Referral Promotion Terms

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.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (September 17 - September 23, 2023) 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 during the promotional period (September 17 - September 23, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 this reward each time a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (September 17 - September 23, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment (excluding Round-Ups® Deposits) in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

September 2023 Referral Bonus - $925 for 4 Acorns Referrals

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 9/17/2023 and 11:59pm PST 9/23/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment (excluding Round-Ups® Deposits) into an Acorns Invest account between 9/17/2023 and 10/7/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (September 10 - September 16, 2023) 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 during the promotional period (September 10 - September 16, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 this reward each time a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (September 10 - September 16, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment (excluding Round-Ups® Deposits) in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

September 2023 Referral Bonus - $325 for 2 Acorns Referrals

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 9/10/2023 and 11:59pm PST 9/16/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment (excluding Round-Ups® Deposits) into an Acorns Invest account between 9/10/2023 and 9/30/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (September 3 - September 9, 2023) 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 during the promotional period (September 3 - September 9, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (September 3 - September 9, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

September 2023 Referral Bonus - $905 for 4 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 9/3/2023 and 11:59pm PST 9/9/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest account between 9/3/2023 and 9/23/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (August 27 - September 2, 2023) 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 during the promotional period (August 27 - September 2, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (August 27 - September 2, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

August 2023 Referral Bonus - $400 for 2 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 8/27/2023 and 11:59pm PST 9/2/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest account between 8/27/2023 and 9/16/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (August 20 - August 26, 2023) 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 during the promotional period (August 20 - August 26, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (August 20 - August 26, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

August 2023 Referral Bonus - $1,200 for 5 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 8/20/2023 and 11:59pm PST 8/26/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest account between 8/20/2023 and 9/9/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (August 13 - August 19, 2023) 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 during the promotional period (August 13 - August 19, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (August 13 - August 19, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

August 2023 Mystery Referral Bonus - $700 for 3 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 8/13/2023 and 11:59pm PST 8/19/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest account between 8/13/2023 and 9/2/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (August 6 - August 12, 2023) 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 during the promotional period (August 6 - August 12, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (August 6 - August 12, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

August 2023 Referral Bonus - $315 for 2 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 8/6/2023 and 11:59pm PST 8/12/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest account between 8/6/2023 and 8/26/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (July 30 - August 5, 2023) 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 during the promotional period (July 30 - August 5, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (July 30 - August 5, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

July 2023 Referral Bonus - $1,100 for 4 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 7/30/2023 and 11:59pm PST 8/5/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest account between 7/30/2023 and 8/19/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (July 23 - July 29, 2023) 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 during the promotional period (July 23 - July 29, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (July 23 - July 29, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

July 2023 Referral Bonus - $725 for 3 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 7/23/2023 and 11:59pm PST 7/29/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest account between 7/23/2023 and 8/12/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (July 16 - July 22, 2023) 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 during the promotional period (July 16 - July 22, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (July 16 - July 22, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

July 2023 Referral Bonus - $900 for 4 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 7/16/2023 and 11:59pm PST 7/22/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 7/16/2023 and 8/5/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (July 9 - July 15, 2023) 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 during the promotional period (July 9 - July 15, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (July 9 - July 15, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

July 2023 Referral Bonus - $1,200 for 5 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 7/9/2023 and 11:59pm PST 7/15/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 7/9/2023 and 7/29/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (July 2 - July 8, 2023) 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 during the promotional period (July 2 - July 8, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (July 2 - July 8, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

July 2023 Referral Bonus - $325 for 2 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 7/2/2023 and 11:59pm PST 7/8/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 7/2/2023 and 7/22/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (June 25 - July 1, 2023) 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 during the promotional period (June 25 - July 1, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (June 25 - July 1, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

June 2023 Referral Bonus - $925 for 4 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 6/25/2023 and 11:59pm PST 7/1/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 6/25/2023 and 7/15/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (June 18 - June 24, 2023) 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 during the promotional period (June 18 - June 24, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (June 18 - June 24, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

June 2023 Referral Bonus - $700 for 3 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 6/18/2023 and 11:59pm PST 6/24/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 6/18/2023 and 7/8/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (June 11 - June 17, 2023) 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 during the promotional period (June 11 - June 17, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (June 11 - June 17, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

June 2023 Referral Bonus - $450 for 2 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 6/11/2023 and 11:59pm PST 6/17/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 6/11/2023 and 7/1/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (June 4 - June 10, 2023) 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 during the promotional period (June 4 - June 10, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (June 4 - June 10, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

June 2023 Referral Bonus - $1,100 for 5 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 6/4/2023 and 11:59pm PST 6/10/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 6/4/2023 and 6/24/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (May 28 - June 3, 2023) 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 during the promotional period (May 28 - June 3, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (May 28 - June 3, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

May 2023 Referral Bonus - $600 for 3 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 5/28/2023 and 11:59pm PST 6/3/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 5/28/2023 and 6/17/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (May 21 - May 27, 2023) 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 during the promotional period (May 21 - May 27, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (May 21 - May 27, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

May 2023 Referral Bonus - $350 for 2 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 5/21/2023 and 11:59pm PST 5/27/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 5/21/2023 and 6/10/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (May 14 - May 20, 2023) 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 during the promotional period (May 14 - May 20, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (May 14 - May 20, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

May 2023 Referral Bonus - $900 for 4 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 5/14/2023 and 11:59pm PST 5/20/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 5/14/2023 and 6/3/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (May 7 - May 13, 2023) 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 during the promotional period (May 7 - May 13, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (May 7 - May 13, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

May 2023 Referral Bonus - $950 for 4 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 5/7/2023 and 11:59pm PST 5/13/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 5/7/2023 and 5/27/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (April 30 - May 6, 2023) 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 during the promotional period (April 30 - May 6, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (April 30 - May 6, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

May 2023 Referral Bonus - $925 for 4 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 4/30/2023 and 11:59pm PST 5/6/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 4/30/2023 and 5/20/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (April 23 - April 29, 2023) 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 during the promotional period (April 23 - April 29, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (April 23 - April 29, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

April 2023 Referral Bonus - $900 for 4 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 4/23/2023 and 11:59pm PST 4/29/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 4/23/2023 and 5/13/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (April 16 - April 22, 2023) 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 during the promotional period (April 16 - April 22, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (April 16 - April 22, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

April 2023 Referral Bonus - $700 for 3 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 4/16/2023 and 11:59pm PST 4/22/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 4/16/2023 and 5/6/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (April 9 - April 15, 2023) 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 during the promotional period (April 9 - April 15, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (April 9 - April 15, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

April 2023 Referral Bonus - $925 for 4 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 4/9/2023 and 11:59pm PST 4/15/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 4/9/2023 and 4/29/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (April 2 - April 8, 2023) 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 during the promotional period (April 2 - April 8, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (April 2 - April 8, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

April 2023 Referral Bonus - $1,000 for 5 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 4/2/2023 and 11:59pm PST 4/8/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 4/2/2023 and 4/22/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (March 26 - April 1, 2023) 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 during the promotional period (March 26 - April 1, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (March 26 - April 1, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

March 2023 Referral Bonus - $825 for 4 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 3/26/2023 and 11:59pm PST 4/1/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 3/26/2023 and 4/15/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (March 19 - March 25, 2023) 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 during the promotional period (March 19 - March 25, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (March 19 - March 25, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

March 2023 Referral Bonus - $900 for 5 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 3/19/2023 and 11:59pm PST 3/25/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 3/19/2023 and 4/8/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (March 12 - March 18, 2023) 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 during the promotional period (March 12 - March 18, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (March 12 - March 18, 2023) when they sign up for a new Acorns subscription; (2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

March 2023 Referral Bonus - $700 for 4 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 3/12/2023 and 11:59pm PST 3/18/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 3/12/2023 and 4/1/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (March 5 - March 11, 2023) 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 during the promotional period (March 5 - March 11, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (March 5 - March 11, 2023) when they sign up for a new Acorns subscription;(2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

March 2023 Referral Bonus - $425 for 3 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 3/5/2023 and 11:59pm PST 3/11/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 3/5/2023 and 3/25/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (February 26 - March 4, 2023) 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 during the promotional period (February 26 - March 4, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (February 26 - March 4, 2023) when they sign up for a new Acorns subscription;(2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

February 2023 Referral Bonus - $800 for 4 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 2/26/2023 and 11:59pm PST 3/4/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 2/26/2023 and 3/18/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (February 19 - February 25, 2023) 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 during the promotional period (February 19 - February 25, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (February 19 - February 25, 2023) when they sign up for a new Acorns subscription;(2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

February 2023 Referral Bonus - $500 for 3 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 2/19/2023 and 11:59pm PST 2/25/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 2/19/2023 and 3/11/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (February 12 - February 18, 2023) 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 during the promotional period (February 12 - February 18, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a new Acorns customer, meaning a natural person who has never begun signing up for Acorns before, (1) uses your personal invitation code or referral link that you shared with them during the promotional period (February 12 - February 18, 2023) when they sign up for a new Acorns subscription;(2) complete an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

February 2023 Referral Bonus - $900 for 4 Acorns Referral

Friends must be a new Acorns customer, must complete registration between 12:00 am PST 2/12/2023 and 11:59pm PST 2/18/2023 (the Promotional Period), each have a verified account in good standing, make their first successful investment into an Acorns Invest between 2/12/2023 and 3/4/2023 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Once your friend has completed their first investment into an Acorns Invest Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Acorns will purchase shares for your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and use your personal invitation code or referral link when they sign up during the Promotional Period. A new customer means a natural person who has never begun signing up for Acorns before. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2023 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (February 5 - February 11, 2023) 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 during the promotional period (February 5 - February 11, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 a first time Acorns subscriber (1) uses your personal invitation code or referral link that you shared with them during the promotional period (February 5 - February 11, 2023) when they sign up for a new Acorns subscription; (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period; and (3) maintain their account in good standing for 30 days following the settlement of their first investment. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. Referral awards are made at the sole discretion of Acorns, we can waive these requirements. All referrals must be made in accordance with the Acorns Referral Agreement and Referral Promotion Terms and Conditions. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (January 29 - February 4, 2023) 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 during the promotional period (January 29 - February 4, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (January 29 - February 4, 2023) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. Referral awards are made at the sole discretion of Acorns, we can waive these requirements. All referrals must be made in accordance with the Acorns Referral Agreement and Referral Promotion Terms and Conditions. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (January 22 - January 28, 2023) 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 during the promotional period (January 22 - January 28, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (January 22 - January 28, 2023) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

January 2023 Referral Bonus - $500 for 3 Acorns Referral

Friends must complete registration between 12:00am PST 1/22/2023 and 11:59pm PST 1/28/2023 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 2/11/2023. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (January 15 - January 21, 2023) 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 during the promotional period (January 15 - January 21, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (January 15 - January 21, 2023) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

January 2023 Referral Bonus - $325 for 2 Acorns Referral

Friends must complete registration between 12:00am PST 1/15/2023 and 11:59pm PST 1/21/2023 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 2/4/2023. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (January 8 - January 14, 2023) 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 during the promotional period (January 8 - January 14, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (January 8 - January 14, 2023) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

January 2023 Referral Bonus - $1,000 for 4 Acorns Referral

Friends must complete registration between 12:00am PST 1/8/2023 and 11:59pm PST 1/14/2023 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 1/28/2023. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (January 1 - January 7, 2023) 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 during the promotional period (January 1 - January 7, 2023) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (January 1 - January 7, 2023) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

January 2023 Referral Bonus - $700 for 3 Acorns Referral

Friends must complete registration between 12:00am PST 1/1/2023 and 11:59pm PST 1/7/2023 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 1/21/2023. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (December 25 - December 31, 2022) 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 during the promotional period (December 25 - December 31, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (December 25 - December 31, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

December 2022 Referral Bonus - $900 for 4 Acorns Referral

Friends must complete registration between 12:00am PST 12/25/2022 and 11:59pm PST 12/31/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 1/14/2023. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (December 18 - December 24, 2022) 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 during the promotional period (December 18 - December 24, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (December 18 - December 24, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

December 2022 Referral Bonus - $400 for 2 Acorns Referral

Friends must complete registration between 12:00am PST 12/18/2022 and 11:59pm PST 12/24/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 1/7/2023. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (December 11 - December 17, 2022) 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 during the promotional period (December 11 - December 17, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (December 11 - December 17, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

December 2022 Referral Bonus - $600 for 3 Acorns Referral

Friends must complete registration between 12:00am PST 12/11/2022 and 11:59pm PST 12/17/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 12/31/2022. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (December 4 - December 10, 2022) 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 during the promotional period (December 4 - December 10, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (December 4 - December 10, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

December 2022 Referral Bonus - $1,000 for 4 Acorns Referral

Friends must complete registration between 12:00am PST 12/4/2022 and 11:59pm PST 12/10/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 12/24/2022. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (November 27 - December 3, 2022) 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 during the promotional period (November 27 - December 3, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (November 27 - December 3, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

November 2022 Referral Bonus - $300 for 2 Acorns Referral

Friends must complete registration between 12:00am PST 11/27/2022 and 11:59pm PST 12/3/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 12/17/2022. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (November 20 - November 26, 2022) 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 during the promotional period (November 20 - November 26, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (November 20 - November 26, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

November 2022 Referral Bonus - $700 for 4 Acorns Referral

Friends must complete registration between 12:00am PST 11/20/2022 and 11:59pm PST 11/26/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 12/10/2022. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (November 13 - November 19, 2022) 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 during the promotional period (November 13 - November 19, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (November 13 - November 19, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

November 2022 Referral Bonus - $200 for 2 Acorns Referral

Friends must complete registration between 12:00am PST 11/13/2022 and 11:59pm PST 11/19/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 12/3/2022. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (November 6 - November 12, 2022) 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 during the promotional period (November 6 - November 12, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (November 6 - November 12, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

November  2022 Referral Bonus - $500 for 3 Acorns Referral

Friends must complete registration between 12:00am PST 11/6/2022 and 11:59pm PST 11/12/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 11/26/2022. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (October 30 - November 5, 2022) 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 during the promotional period (October 30 - November 5, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (October 30 - November 5, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

November 2022 Referral Bonus - $900 for 4 Acorns Referral

Friends must complete registration between 12:00am PST 10/30/2022 and 11:59pm PST 11/5/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 11/19/2022. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (October 23 - October 29, 2022) 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 during the promotional period (October 23 - October 29, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (October 23 - October 29, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

October 2022 Referral Bonus - $350 for 2 Acorns Referral

Friends must complete registration between 12:00am PST 10/23/2022 and 11:59pm PST 10/29/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 11/12/2022. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (October 16 - October 22, 2022) 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 during the promotional period (October 16 - October 22, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (October 16 - October 22, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

October 2022 Referral Bonus - $1,100 for 4 Acorns Referral

Friends must complete registration between 12:00am PST 10/16/2022 and 11:59pm PST 10/22/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 11/5/2022. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (October 9 - October 15, 2022) 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 during the promotional period (October 9 - October 15, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (October 9 - October 15, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

October 2022 Mystery Referral Bonus - $650 for 3 Acorns Referral

Friends must complete registration between 12:00am PST 10/9/2022 and 11:59pm PST 10/15/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 10/29/2022. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (October 2 - October 8, 2022) 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 during the promotional period (October 2 - October 8, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (October 2 - October 8, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

October 2022 Referral Bonus - $375 for 2 Acorns Referral

Friends must complete registration between 12:00am PST 10/2/2022 and 11:59pm PST 10/8/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 10/22/2022. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (September 25 - October 1, 2022) 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 during the promotional period (September 25 - October 1, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (September 25 - October 1, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

September 2022 Referral Bonus - $700 for 3 Acorns Referral

Friends must complete registration between 12:00am PST 9/25/2022 and 11:59pm PST 10/1/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 10/15/2022. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (September 18 - September 24, 2022) 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 during the promotional period (September 18 - September 24, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (September 18 - September 24, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

September 2022 Referral Bonus - $1,200 for 4 Acorns Referral

Friends must complete registration between 12:00am PST 9/18/2022 and 11:59pm PST 9/24/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 10/8/2022. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (September 11 - September 17, 2022) 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 during the promotional period (September 11 - September 17, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (September 11 - September 17, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

September 2022 Referral Bonus - $300 for 2 Acorns Referral

Friends must complete registration between 12:00am PST 9/11/2022 and 11:59pm PST 9/17/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 10/1/2022. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (September 4 - September 10, 2022) 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 during the promotional period (September 4 - September 10, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (September 4 - September 10, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

September 2022 Referral Bonus - $600 for 3 Acorns Referral

Friends must complete registration between 12:00am PST 9/4/2022 and 11:59pm PST 9/10/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 9/24/2022. Bonuses will be invested within 30 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 30 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (August 28 - September 3, 2022) 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 during the promotional period (August 28 - September 3, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (August 28 - September 3, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

August 2022 Referral Bonus - $350 for 2 Acorns Referral

Friends must complete registration between 12:00am PST 8/28/2022 and 11:59pm PST 9/3/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 9/17/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (August 21 - August 27, 2022) 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 during the promotional period (August 21 - August 27, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (August 21 - August 27, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

August 2022 Referral Bonus - $800 for 4 Acorns Referral

Friends must complete registration between 12:00am PST 8/21/2022 and 11:59pm PST 8/27/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 9/10/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $50 and Give $50

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (August 16 - August 20, 2022) in accordance with the eligibility criteria below, you will receive a $50 investment by Acorns in your Acorns Invest account. Each new eligible Acorns subscriber referred by you during the promotional period (August 16 - August 20, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will receive a $50 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. Limit $1,000 in bonuses per Referrer.

Eligibility

You are eligible to receive this reward each time a new subscriber (1) uses your personal invitation code or referral link that you shared with them during the promotional period (August 16 - August 20, 2022). Friends must complete registration between 10:00am PST 8/16/2022 and 11:59pm PST 8/20/2022 (the Promotional Period) and each have a verified account in good standing and completes an initial $5 investment into an Acorns Invest Account from a linked bank account funding source by 9/3/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (August 14 - August 20, 2022) 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 during the promotional period (August 14 - August 20, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (August 14 - August 20, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (August 7 - August 13, 2022) 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 during the promotional period (August 7 - August 13, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (August 7 - August 13, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

August 2022 Referral Bonus - $500 for 3 Acorns Referral

Friends must complete registration between 12:00am PST 8/7/2022 and 11:59pm PST 8/13/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 8/27/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (July 31 - August 6, 2022) 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 during the promotional period (July 31 - August 6, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (July 31 - August 6, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

August 2022 Referral Bonus - $300 for 2 Acorns Referral

Friends must complete registration between 12:00am PST 7/31/2022 and 11:59pm PST 8/6/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 8/20/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (July 24 - July 30, 2022) 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 during the promotional period (July 24 - July 30, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (July 24 - July 30, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

July 2022 Referral Bonus - $600 for 3 Acorns Referral

Friends must complete registration between 12:00am PST 7/24/2022 and 11:59pm PST 7/30/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 8/13/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

July 2022 Referral Bonus - $700 for 3 Acorns Referral

Friends must complete registration between 12:00am PST 7/24/2022 and 11:59pm PST 7/30/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 8/13/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (July 17 - July 23, 2022) 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 during the promotional period (July 17 - July 23, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (July 17 - July 23, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $100 and Give $50

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (July 17 - July 23, 2022) in accordance with the eligibility criteria below, you will receive a $100 investment by Acorns in your Acorns Invest account. Each new eligible Acorns subscriber referred by you during the promotional period (July 17 - July 23, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will receive a $50 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. Limit $600 in bonuses per Referrer.

Eligibility

You are eligible to receive this reward each time a new subscriber (1) uses your personal invitation code or referral link that you shared with them during the promotional period (July 17 - July 23, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $100 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (July 17 - July 23, 2022) in accordance with the eligibility criteria below, you will receive a $100 investment by Acorns in your Acorns Invest account. Each new eligible Acorns subscriber referred by you during the promotional period (July 17 - July 23, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period 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. Limit $600 in bonuses per Referrer.

Eligibility

You are eligible to receive this reward each time a new subscriber (1) uses your personal invitation code or referral link that you shared with them during the promotional period (July 17 - July 23, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

July 2022 Referral Bonus - $400 for 2 Acorns Referral

Friends must complete registration between 12:00am PST 7/17/2022 and 11:59pm PST 7/23/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 8/6/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get annual membership of Tripadvisor Plus 

The Reward

When a new Acorns subscriber sets up an Acorns Invest account using your personal invitation code, or referral link that you shared with them, during the promotional period (July 10 - July 16, 2022) in accordance with the eligibility criteria below, you will receive a free year of Tripadvisor Plus. Terms apply. 

Eligibility

You are eligible to receive this reward when a new subscriber uses your personal invitation code, or referral link that you shared with them, during the promotional period (July 10 - July 16, 2022) when they sign up for a new Acorns subscription. Limit one Tripadvisor Plus bonus per Referrer. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is distributed. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing rewards. Valid through 7/23/22. You will receive a free year of Tripadvisor Plus with offer code, then your membership will renew annually until canceled at the then-current price, charged to your payment method on file. Cancel auto-renewal any time by signing into your Tripadvisor account. Terms apply. See Tripadvisor site for more details.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (July 10 - July 16, 2022) 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 during the promotional period (July 10 - July 16, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (July 10 - July 16, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

July 2022 Referral Bonus - $700 for 3 Acorns Referral

Friends must complete registration between 12:00am PST 7/10/2022 and 11:59pm PST 7/16/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 7/30/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get 3 months Grubhub+ and Give 3 months Grubhub+

The Reward

When a new Acorns subscriber sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (July 3 - July 9, 2022) in accordance with the eligibility criteria below, you will receive 3 free months of Grubhub+. Each new eligible Acorns subscriber referred by you during the promotional period (July 3 - July 9, 2022) who completes the set up of their Acorns Invest account and verifies their account within the Promotional Period will also receive 3 free months of Grubhub+. Limit one Grubhub+ bonus per person. Grubhub+ $0 delivery fees are applicable on orders with a subtotal of $12+ (before tax, tip, and fees) from Grubhub+ eligible restaurants only. Additional fees (including service fees) may apply and vary on orders. Free 3 month or 90 day trial available for 90 days from date trial is initiated. Grubhub+ is an automatically renewing membership service requiring recurring payments. After your free trial ends, your free trial will convert to a paid Grubhub+ membership and Grubhub will automatically charge you each month at the then-current rate (currently $9.99) plus applicable tax until you cancel. Subject to restaurant and delivery availability. Grubhub reserves the right to change whether a restaurant is eligible for Grubhub+ at any time with or without notice to members. See Grubhub+ cancellation and refund policy and full terms at https://lp.grubhub.com/legal/plus/. To the maximum extent permitted by law, Grubhub reserves the right to cancel, suspend and/or modify any aspect of or the entirety of this offer, for any reason at any time, with or without notice, including, without limitation, if any fraud or technical failure impairs the integrity or proper functioning of the offer. Offer cannot be combined with other free trial offers.

Eligibility

You are eligible to receive this reward when a new subscriber uses your personal invitation code or referral link that you shared with them during the promotional period (July 3 - July 9, 2022) when they sign up for a new Acorns subscription. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is distributed. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing rewards. Customers who are existing Grubhub+ members or who previously participated in Grubhub+ are not eligible (as determined by Grubhub). Qualifying Existing Customers and New Customers will receive an email confirmation from Acorns that they may redeem the Grubhub+ offer. Qualifying Existing Customers and New Customers may redeem the Grubhub+ offer by signing up at https://grubhub.com/partner/acorns no later than 8/31/2022 at 11:59 PM PT. Maximum one free Grubhub+ trial for each Existing Customer and New Customer. This offer is available in the United States only (not available in Puerto Rico or the U.S. Virgin Islands). 

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (July 3 - July 9, 2022) 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 during the promotional period (July 3 - July 9, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (July 3 - July 9, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

July 2022 Referral Bonus - $1,000 for 4 Acorns Referral

Friends must complete registration between 12:00am PST 7/3/2022 and 11:59pm PST 7/9/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 7/23/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get 3 months Grubhub+ and Give 3 months Grubhub+

The Reward

When a new Acorns subscriber sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (June 26 - July 2, 2022) in accordance with the eligibility criteria below, you will receive 3 free months of Grubhub+. Each new eligible Acorns subscriber referred by you during the promotional period (June 26 - July 2, 2022) who completes the set up of their Acorns Invest account and verifies their account within the Promotional Period will also receive 3 free months of Grubhub+. Limit one Grubhub+ bonus per person. Grubhub+ $0 delivery fees are applicable on orders with a subtotal of $12+ (before tax, tip, and fees) from Grubhub+ eligible restaurants only. Additional fees (including service fees) may apply and vary on orders. Free 3 month or 90 day trial available for 90 days from date trial is initiated. Grubhub+ is an automatically renewing membership service requiring recurring payments. After your free trial ends, your free trial will convert to a paid Grubhub+ membership and Grubhub will automatically charge you each month at the then-current rate (currently $9.99) plus applicable tax until you cancel. Subject to restaurant and delivery availability. Grubhub reserves the right to change whether a restaurant is eligible for Grubhub+ at any time with or without notice to members. See Grubhub+ cancellation and refund policy and full terms at https://lp.grubhub.com/legal/plus/. To the maximum extent permitted by law, Grubhub reserves the right to cancel, suspend and/or modify any aspect of or the entirety of this offer, for any reason at any time, with or without notice, including, without limitation, if any fraud or technical failure impairs the integrity or proper functioning of the offer. Offer cannot be combined with other free trial offers.

Eligibility

You are eligible to receive this reward when a new subscriber uses your personal invitation code or referral link that you shared with them during the promotional period (June 26 - July 2, 2022) when they sign up for a new Acorns subscription. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is distributed. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing rewards. Customers who are existing Grubhub+ members or who previously participated in Grubhub+ are not eligible (as determined by Grubhub). Qualifying Existing Customers and New Customers will receive an email confirmation from Acorns that they may redeem the Grubhub+ offer. Qualifying Existing Customers and New Customers may redeem the Grubhub+ offer by signing up at https://grubhub.com/partner/acorns no later than 8/31/2022 at 11:59 PM PT. Maximum one free Grubhub+ trial for each Existing Customer and New Customer. This offer is available in the United States only (not available in Puerto Rico or the U.S. Virgin Islands). 

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (June 26 - July 2, 2022) 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 during the promotional period (June 26 - July 2, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (June 26 - July 2, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

June 2022 Referral Bonus - $500 for 2 Acorns Referral

Friends must complete registration between 12:00am PST 6/26/2022 and 11:59pm PST 7/2/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 7/16/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (June 19 - June 25, 2022) 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 during the promotional period (June 19 - June 25, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (June 19 - June 25, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

June 2022 Referral Bonus - $1,000 for 5 Acorns Referral

Friends must complete registration between 12:00am PST 6/19/2022 and 11:59pm PST 6/25/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 7/9/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

June 2022 Referral Bonus - $1,200 for 5 Acorns Referral

Friends must complete registration between 12:00am PST 6/19/2022 and 11:59pm PST 6/25/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 7/9/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (June 12 - June 18, 2022) 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 during the promotional period (June 12 - June 18, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (June 12 - June 18, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

June 2022 Referral Bonus - $1,000 for 4 Acorns Referral

Friends must complete registration between 12:00am PST 6/12/2022 and 11:59pm PST 6/18/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 7/2/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

June 2022 Referral Bonus - $900 for 4 Acorns Referral

Friends must complete registration between 12:00am PST 6/12/2022 and 11:59pm PST 6/18/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 7/2/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (June 5 - June 11, 2022) 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 during the promotional period (June 5 - June 11, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period will also 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 or referral link that you shared with them during the promotional period (June 5 - June 11, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $50 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (June 5 - June 11, 2022) in accordance with the eligibility criteria below, you will receive a $50 investment by Acorns in your Acorns Invest account. Each new eligible Acorns subscriber referred by you during the promotional period (June 5 - June 11, 2022) who completes the set up of their Acorns Invest account and makes a first investment within fourteen (14) days after the end of the Promotional Period 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. Limit $1,000 in bonuses per Referrer.

Eligibility

You are eligible to receive this reward each time a new subscriber (1) uses your personal invitation code or referral link that you shared with them during the promotional period (June 5 - June 11, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source within fourteen (14) days after the end of the Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

June 2022 Referral Bonus - $600 for 3 Acorns Referral

Friends must complete registration between 12:00am PST 6/5/2022 and 11:59pm PST 6/11/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 6/25/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (May 29 - June 4, 2022) 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 during the promotional period (May 29 - June 4, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (May 29 - June 4, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (May 29 - June 4, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

May 2022 Referral Bonus - $350 for 2 Acorns Referral

Friends must complete registration between 12:00am PST 5/29/2022 and 11:59pm PST 6/4/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 6/18/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

May 2022 Referral Bonus - $200 for 2 Acorns Referral

Friends must complete registration between 12:00am PST 5/29/2022 and 11:59pm PST 6/4/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 6/18/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (May 22 - May 28, 2022) 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 during the promotional period (May 22 - May 28, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (May 22 - May 28, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (May 22 - May 28, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

May 2022 Referral Bonus - $1,000 for 5 Acorns Referral

Friends must complete registration between 12:00am PST 5/22/2022 and 11:59pm PST 5/28/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 6/11/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

May 2022 Referral Bonus - $600 for 5 Acorns Referral

Friends must complete registration between 12:00am PST 5/22/2022 and 11:59pm PST 5/28/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 6/11/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (May 15 - May 21, 2022) 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 during the promotional period (May 15 - May 21, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (May 15 - May 21, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (May 15 - May 21, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

May 2022 Referral Bonus - $500 for 3 Acorns Referral

Friends must complete registration between 12:00am PST 5/15/2022 and 11:59pm PST 5/21/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 6/4/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (May 8 - May 14, 2022) 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 during the promotional period (May 8 - May 14, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (May 8 - May 14, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (May 8 - May 14, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

May 2022 Referral Bonus - $300 for 2 Acorns Referral

Friends must complete registration between 12:00am PST 5/8/2022 and 11:59pm PST 5/14/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 5/28/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (May 1 - May 7, 2022) 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 during the promotional period (May 1 - May 7, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (May 1 - May 7, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (May 1 - May 7, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

May 2022 Referral Bonus - $300 for 2 Acorns Referral

Friends must complete registration between 12:00am PST 5/1/2022 and 11:59pm PST 5/7/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 5/21/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (April 24 - April 30, 2022) 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 during the promotional period (April 24 - April 30, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (April 24 - April 30, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (April 24 - April 30, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

April 2022 Referral Bonus - $400 for 4 Acorns Referral

Friends must complete registration between 12:00am PST 4/24/2022 and 11:59pm PST 4/30/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 5/14/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

April 2022 Referral Bonus - $500 for 4 Acorns Referral

Friends must complete registration between 12:00am PST 4/24/2022 and 11:59pm PST 4/30/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 5/14/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (April 17 - April 23, 2022) 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 during the promotional period (April 17 - April 23, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (April 17 - April 23, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (April 17 - April 23, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

April 2022 Referral Bonus - $800 for 6 Acorns Referral

Friends must complete registration between 12:00am PST 4/17/2022 and 11:59pm PST 4/23/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 5/7/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (April 10 - April 16, 2022) 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 during the promotional period (April 10 - April 16, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (April 10 - April 16, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (April 10 - April 16, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

April 2022 Referral Bonus - $600 for 3 Acorns Referral

Friends must complete registration between 12:00am PST 4/10/2022 and 11:59pm PST 4/16/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 4/30/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

April 2022 Referral Bonus - $575 for 3 Acorns Referral

Friends must complete registration between 12:00am PST 4/10/2022 and 11:59pm PST 4/16/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 4/30/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (April 3 - April 9, 2022) 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 during the promotional period (April 3 - April 9, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (April 3 - April 9, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (April 3 - April 9, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

April 2022 Referral Bonus - $700 for 5 Acorns Referral

Friends must complete registration between 12:00am PST 4/3/2022 and 11:59pm PST 4/9/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 4/23/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (March 27 - April 2, 2022) 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 during the promotional period (March 27 - April 2, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (March 27 - April 2, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (March 27 - April 2, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

March 2022 Referral Bonus - $900 for 6 Acorns Referral

Friends must complete registration between 12:00am PST 3/27/2022 and 11:59pm PST 4/2/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 4/16/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

March 2022 Referral Bonus - $1,000 for 6 Acorns Referral

Friends must complete registration between 12:00am PST 3/27/2022 and 11:59pm PST 4/2/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 4/16/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer. 

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (March 20 - March 26, 2022) 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 during the promotional period (March 20 - March 26, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (March 20 - March 26, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (March 20 - March 26, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source of which they are the owner, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

March 2022 Referral Bonus - $600 for 4 Acorns Referral

Friends must complete registration between 12:00am PST 3/20/2022 and 11:59pm PST 3/26/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 4/9/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer.

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, a bank account in the name of the Referee 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $5

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (March 13 - March 19, 2022) 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 during the promotional period (March 13 - March 19, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (March 13 - March 19, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (March 13 - March 19, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

March 2022 Referral Bonus - $500 for 3 Acorns Referral

Friends must complete registration between 12:00am PST 3/13/2022 and 11:59pm PST 3/19/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 4/2/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer.

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

Acorns - Invite Friends, Get $5 and Give $10

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (March 13 - March 19, 2022) 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 during the promotional period (March 13 - March 19, 2022) who completes the set up of their Acorns Invest account and makes a first investment also will receive a $10 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 or referral link that you shared with them during the promotional period (March 13 - March 19, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (March 13 - March 19, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 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 Invest account using your personal invitation code or referral link that you shared with them during the promotional period (March 6 - March 12, 2022) 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 during the promotional period (March 6 - March 12, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (March 6 - March 12, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (March 6 - March 12, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

March 2022 Referral Bonus - $900 for 5 Acorns Referral

Friends must complete registration between 12:00am PST 3/6/2022 and 11:59pm PST 3/12/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 3/26/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer.

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 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 Invest account using your personal invitation code or referral link that you shared with them during the promotional period (February 27 - March 5, 2022) 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 during the promotional period (February 27 - March 5, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (February 27 - March 5, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (February 27 - March 5, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

March 2022 Referral Bonus - $700 for 4 Acorns Referral

Friends must complete registration between 12:00am PST 2/27/2022 and 11:59pm PST 3/5/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 3/19/2022. Bonuses will be invested within 14 days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer.

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 Invest Account. Shares are purchased within 14 days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 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 Invest account using your personal invitation code or referral link that you shared with them during the promotional period (February 20 - February 26, 2022) 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 during the promotional period (February 20 - February 26, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (February 20 - February 26, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (February 20 - February 26, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

February 2022 Referral Bonus - $1,000 for 6 Acorns Referral

Friends must complete registration between 12:00am PST 2/20/2022 and 11:59pm PST 2/26/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 3/12/2022. Bonuses will be invested within 14 business days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer.

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 Invest Account. Shares are purchased within 14 business days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 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 Invest account using your personal invitation code or referral link that you shared with them during the promotional period (February 13 - February 19, 2022) 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 during the promotional period (February 13 - February 19, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (February 13 - February 19, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (February 13 - February 19, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

February 2022 Referral Bonus - $300 for 2 Acorns Referral

Friends must complete registration between 12:00am PST 2/13/2022 and 11:59pm PST 2/19/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 3/5/2022. Bonuses will be invested within 14 business days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer.

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 Invest Account. Shares are purchased within 14 business days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 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 Invest account using your personal invitation code or referral link that you shared with them during the promotional period (February 6 - February 12, 2022) 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 during the promotional period (February 6 - February 12, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (February 6 - February 12, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (February 6 - February 12, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

February 2022 Referral Bonus - $600 for 3 Acorns Referral

Friends must complete registration between 12:00am PST 2/6/2022 and 11:59pm PST 2/12/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 2/26/2022. Bonuses will be invested within 14 business days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer.

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 Invest Account. Shares are purchased within 14 business days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

February 2022 Referral Bonus - $700 for 3 Acorns Referral

Friends must complete registration between 12:00am PST 2/6/2022 and 11:59pm PST 2/12/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 2/26/2022. Bonuses will be invested within 14 business days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer.

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 Invest Account. Shares are purchased within 14 business days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 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 Invest account using your personal invitation code or referral link that you shared with them during the promotional period (January 30 - February 5, 2022) 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 during the promotional period (January 30 - February 5, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (January 30 - February 5, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (January 30 - February 5, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

February 2022 Referral Bonus - $1,000 for 5 Acorns Referral

Friends must complete registration between 12:00am PST 1/30/2022 and 11:59pm PST 2/5/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 2/19/2022. Bonuses will be invested within 14 business days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer.

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 Invest Account. Shares are purchased within 14 business days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 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 Invest account using your personal invitation code or referral link that you shared with them during the promotional period (January 23 - January 29, 2022) 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 during the promotional period (January 23 - January 29, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (January 23 - January 29, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (January 23 - January 29, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

January 2022 Referral Bonus - $300 for 2 Acorns Referral

Friends must complete registration between 12:00am PST 1/23/2022 and 11:59pm PST 1/29/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 2/12/2022. Bonuses will be invested within 14 business days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer.

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 Invest Account. Shares are purchased within 14 business days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 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 Invest account using your personal invitation code or referral link that you shared with them during the promotional period (January 16 - January 22, 2022) 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 during the promotional period (January 16 - January 22, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (January 16 - January 22, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (January 16 - January 22, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

January 2022 Referral Bonus - $600 for 3 Acorns Referral

Friends must complete registration between 12:00am PST 1/16/2022 and 11:59pm PST 1/22/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 2/5/2022. Bonuses will be invested within 14 business days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer.

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 Invest Account. Shares are purchased within 14 business days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 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 Invest account using your personal invitation code or referral link that you shared with them during the promotional period (January 9 - January 15, 2022) 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 during the promotional period (January 9 - January 15, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (January 9 - January 15, 2022) when they sign up for a new Acorns subscription and(2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (January 9 - January 15, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified, have a linked funding source, and are in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements. 

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

January 2022 Referral Bonus - $600 for 4 Acorns Referral

Friends must complete registration between 12:00am PST 1/9/2022 and 11:59pm PST 1/15/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 1/29/2022. Bonuses will be invested within 7 business days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer.

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 Invest Account. Shares are purchased within 7 business days from when your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. Acorns defines an account in good standing as a verified investment account with a linked funding source for the account and a successful investment. If a gift card is used for an initial investment by the Referrer or Referee, 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 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 Invest account using your personal invitation code or referral link that you shared with them during the promotional period (January 1 - January 8, 2022) 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 during the promotional period (January 1 - January 8, 2022) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (January 1 - January 8, 2022) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (January 1 - January 8, 2022). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 Acorns and/or its affiliates.

January 2022 Referral Bonus - $1,000 for 8 Acorns Referral

Friends must complete registration between 12:00am PST 1/1/2022 and 11:59pm PST 1/8/2022 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 1/22/2022. Bonuses will be invested within 7 business days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer.

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 Invest Account. Shares are purchased within 5 business days from when  your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. 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 by the Referrer or Referee, 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2022 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 Invest account using your personal invitation code or referral link that you shared with them during the promotional period (December 26 - December 31, 2021) 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 during the promotional period (December 26 - December 31, 2021) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (December 26 - December 31, 2021) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (December 26 - December 31, 2021). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2021 Acorns and/or its affiliates.

December 2021 Referral Bonus - $600 for 7 Acorns Referral

Friends must complete registration between 12:00am PST 12/26/2021 and 11:59pm PST 12/31/2021 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 1/14/2022. Bonuses will be invested within 7 business days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer.

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 Invest Account. Shares are purchased within 5 business days from when  your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. 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 by the Referrer or Referee, 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2021 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 Invest account using your personal invitation code or referral link that you shared with them during the promotional period (December 19 - December 25, 2021) 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 during the promotional period (December 19 - December 25, 2021) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (December 19 - December 25, 2021) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (December 19 - December 25, 2021). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2021 Acorns and/or its affiliates.

Acorns - Invite Friends, Get and Give $20 (Money Pie)

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (November 24 - December 31, 2021) in accordance with the eligibility criteria below, you will receive a $20 investment by Acorns in your Acorns Invest account. Each new eligible Acorns subscriber referred by you during the promotional period (November 24 - December 31, 2021) who completes the set up of their Acorns Invest account and makes a first investment also will receive a $20 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 or referral link that you shared with them during the promotional period (November 24 - December 31, 2021) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (November 24 - December 31, 2021). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2021 Acorns and/or its affiliates.

December 2021 Referral Bonus - $500 for 6 Acorns Referral

Friends must complete registration between 12:00am PST 12/19/2021 and 11:59pm PST 12/25/2021 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 1/8/2022. Bonuses will be invested within 7 business days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer.

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 Invest Account. Shares are purchased within 5 business days from when  your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. 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 by the Referrer or Referee, 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.  Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2021 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 Invest account using your personal invitation code or referral link that you shared with them during the promotional period (December 12 - December 18, 2021) 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 during the promotional period (December 12 - December 18, 2021) who completes the set up of their Acorns Invest account and makes a first investment 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 or referral link that you shared with them during the promotional period (December 12 - December 18, 2021) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (December 12 - December 18, 2021). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2021 Acorns and/or its affiliates.

Acorns - Invite Friends, Get and Give $20 (Money Pie)

The Reward

Each time someone becomes a new Acorns subscriber and sets up an Acorns Invest account using your personal invitation code or referral link that you shared with them during the promotional period (November 24 - December 31, 2021) in accordance with the eligibility criteria below, you will receive a $20 investment by Acorns in your Acorns Invest account. Each new eligible Acorns subscriber referred by you during the promotional period (November 24 - December 31, 2021) who completes the set up of their Acorns Invest account and makes a first investment also will receive a $20 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 or referral link that you shared with them during the promotional period (November 24 - December 31, 2021) when they sign up for a new Acorns subscription and (2) completes an initial $5 investment in an Acorns Invest Account from a linked bank account funding source during the promotional period (November 24 - December 31, 2021). Anyone who earns a reward under this promotion will only receive such reward if their Acorns subscription and each of their Acorns accounts are verified and in good standing with Acorns at all times between meeting the eligibility criteria and the time the reward is invested. At Acorns discretion, we can waive these requirements.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. Investing involves risk including the loss of principal. Investment advisory services provided 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. Securities in your account protected up to $500,000. For details, please see www.sipc.org. Investments are not FDIC insured and may lose value. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Acorns reserves the right to restrict or revoke any and all offers at any time. Past performance is not a guarantee of future results. Acorns reserves the right to restrict, revoke or change this offer at any time at its discretion. Acorns may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Acorns referral rewards offered during the same promotional period. 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. Securities in your investment account(s) protected up to $500,000. For details, please see www.sipc.org. Custodial and administrative services for Acorns Later IRA accounts provided by Forge Trust. Investments are not FDIC insured. “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 © 2021 Acorns and/or its affiliates.

December 2021 Referral Bonus - $600 for 5 Acorns Referral

Friends must complete registration between 12:00am PST 12/12/2021 and 11:59pm PST 12/18/2021 (the Promotional Period) and each have a verified account in good standing and make their first successful investment into an Acorns Invest Account by 1/1/2022. Bonuses will be invested within 7 business days once Acorns verifies all eligibility criteria have been met. 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. Limit one Bonus per Referrer.

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 Invest Account. Shares are purchased within 5 business days from when  your friend’s account is approved and they have completed their first investment into an Acorns Invest Account. To be eligible for the reward, the persons you refer must use your personal invitation code or referral link when they sign up during the Promotional Period. 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 by the Referrer or Referee, 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.  Acorns may provide other offers to other customers during the same promotional