Betterment at Work BetterCredits Promotion Terms

This offer is available to  eligible new and conversion 401(k) plans that execute the Betterment at Work Master Services Agreements and Statement of Work between November 3, 2025 and December 31, 2025, and successfully complete onboarding to the Betterment at Work platform within three months after executing the Betterment at Work Master Services Agreements (such plan, a “Qualified Plan”). Only plans that receive this offer from Betterment at Work directly are considered eligible. This offer does not apply to currently existing 401(k) plans on the Betterment platform.

For eligible plans that complete onboarding, Betterment will automatically apply a fee credit at the time of onboarding. Any excess amount of credit will be applied to offset future plan fees. This offer cannot be applied to fees assessed to individual participant accounts. 

This offer is non-transferable, only available to the plan receiving the offer, is available to plans only in the U.S., and can be revoked by Betterment at any time. This offer cannot be combined with existing offers currently elected by your plan. This offer does not favor highly compensated employees. Tax information provided by Betterment is not a substitute for the advice of a qualified tax advisor. You should consult with your tax advisor to discuss tax-related concerns. 

Betterment reserves the right to limit the discounts plans are eligible to receive, and to refuse or recover a discount if Betterment determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, or that any terms of the Betterment at Work Master Services Agreements, Betterment Participant Terms & Conditions and/or any other Betterment agreements have been violated. Please see additional information at www.betterment.com.