Betterment at Work 401(k) Special First-Year Pricing Promotional Terms

This promotion is available to certain employer-sponsored conversion 401(k) plans (“Plans”). Eligible plans must execute the Betterment at Work Master Services Agreements and Statement of Work by September 30, 2026 and complete onboarding within three months after signing (such plans, “Qualified Plans”). This offer does not apply to currently existing and active 401(k) plans on the Betterment platform.

Qualified Plans that complete onboarding will receive certain fee waivers as part of their Introductory Pricing, as set forth in their Betterment at Work Master Services Agreement. This offer is non-transferable, is available to plans only in the U.S., and can be revoked by Betterment at any time. 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.