Betterment Advisor Solutions Platform Fee Waiver Promotion Terms and Conditions

1. Promotion

Betterment Advisor Solutions is offering to waive its platform fee (as described below) through December 31, 2027 with eligible Advisors who (1) complete the opt-in process with Betterment’s Advisor Sales team (the “Opt-In”) by June 30, 2026 and (2) whose clients complete Qualifying Asset Transfers in the aggregate by December 31, 2026 (together, the “Eligibility Requirements”). “Qualifying Asset Transfers” are client asset transfers of at least $10 million in aggregate of new assets from external accounts into Betterment individual, joint, or trust taxable accounts, individual retirement accounts (“IRAs”) and single participant 401(k) accounts (“Solo 401(k)s”), and excludes transfers into or from Betterment Checking and Betterment at Work employer sponsored 401(k) plans. For the avoidance of doubt, Qualifying Asset Transfers may be aggregated across clients of an Advisor’s firm to reach the $10 million qualification threshold. This Promotion is available only to advisory firms that do not, as of the date they opt into this Promotion, have existing funded client accounts on the BAS custody platform (“eligible Advisors”).

Subject to the Required Disclosures provisions below, for Advisors who complete the Eligibility Requirements, Betterment will waive 100% of its Betterment Advisor Solutions asset-based wrap fee (the “Platform Fee”) collected on the total of an eligible Advisor’s firm client assets from the time of the Advisor’s Opt-In through December 31, 2027 (the “Waiver Period”). Betterment’s Platform Fee generally ranges from 0.12% per annum to 0.20% per annum, determined based on the aggregate balance of all of an Advisor firm’s client investing accounts at Betterment (including Solo 401(k)s, but excluding balances held in Betterment Cash Reserve, Betterment Checking and Betterment at Work employer sponsored 401(k) accounts). The Platform Fee waiver applies only to the Platform Fee that would otherwise be charged on eligible client assets managed and custodied at Betterment under the Betterment Advised Client Agreements.

For the avoidance of doubt, Betterment’s Platform Fee waiver is limited to Betterment’s own Platform Fee net of any revenue sharing or similar sharing arrangement (if applicable) and does not apply to any other fees and costs charged by the funds held in the client's portfolio. Betterment reserves the right to retain its Platform Fee, and charge Advisor for the value of any waiver Advisor previously obtained, if Betterment determines that the Qualifying Asset Transfers have been withdrawn or transferred off the Betterment Advisor Solutions platform.

2. Required Disclosure

Advisor understands that Betterment’s Platform Fee waiver offered through this promotion creates an incentive for Advisor to cause clients to transfer assets to the Betterment Advisor Solutions platform by December 31, 2026. Advisor represents to Betterment that Advisor will inform applicable clients of this conflict prior to initiating Qualifying Asset Transfers.

3. Miscellaneous

This Promotion is not valid with any other BAS platform fee waiver or discount offers, unless Betterment expressly permits otherwise in writing. To the extent an Eligible Advisor qualifies for multiple fee waivers or promotions, any overlapping benefits will run concurrently and will not be extended. This Promotion is available only to advisory firms and their advised clients located in the United States and only with respect to accounts held on the BAS custody platform. It does not apply to accounts on the Betterment retail platform or the Betterment at Work platform.

This Promotion is not intended to be, and should not be construed as, a recommendation or solicitation by Betterment that any advisor or client open, transfer, or maintain accounts at Betterment or implement any particular investment strategy. Advisors are responsible for determining whether to move or maintain client assets at Betterment, including by evaluating all relevant factors such as investment options, services, and fees.

This promotion is not valid with any other offers and is non-transferable. In particular, this offer is only available to eligible Advisors (and their advised clients) associated with the eligible Advisor’s or Advisor’s firm email address that receives this promotional offer.

Betterment reserves the right to terminate this promotion at any time (including if Advisor terminates its relationship with Betterment), to limit promotions that Advisor or Advisor’s clients are eligible to receive, and to refuse or recover any promotional award or fee credit if Betterment determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, that any rules or regulations would be violated, or that any terms of the Betterment Advisor and Advised Client Agreements have been violated.