Premium 2025 60-Day Upgrade Terms and Conditions

For eligible clients who elect to receive a Premium plan and meet the Account Balance Threshold (as described in the Premium Services Terms and Conditions), Betterment will temporarily waive a portion of the current 0.65% Premium Wrap fee (the “Temporary Fee Reduction”). If you are new to Premium (i.e., you have been participating in Betterment’s Digital plan), you will receive a 60-day waiver of the incremental 0.40% portion of the current Premium Wrap Fee. You will continue paying your 0.25% Digital Wrap Fee for the 60-day period.

This offer is non-transferable, only intended for the client who received this offer, and only valid for clients who elect to participate in the Premium plan on or before November 25, 2025 (the offer expiration date).

The Temporary Fee Reduction will apply automatically, within seven (7) business days, after your election or upgrade to Premium (or after the CFP® team confirms your upgrade, as applicable). After your 60-day trial period, your account will automatically be charged the Premium Wrap Fee, consisting of the 0.25% Digital Wrap Fee set forth in the Betterment LLC Advisory Agreement Wrap Fee Schedule and an incremental fee of 0.40% on assets under $1 million in your Account (together, annually up to 0.65% on investing assets in the Account). This Temporary Fee Reduction does not impact fee waivers which are separately available on client investing account balances over $1 million, as set forth in the Premium Services Terms and Conditions.

This offer can be revoked by Betterment at any time. This offer is available to U.S. residents only. This offer is only available to accounts on the Betterment platform, and does not apply to accounts opened or held through the Betterment Advisor Solutions or Betterment at Work platforms. This offer applies only to assets subject to Betterment’s management fee and does not apply to cash held in any Betterment account. If you are participating in other offers for an increased APY (“APY Boost”) in your Cash Reserve account(s) during a promotional period (“Promotional Period”), and you participate in this offer, your Premium additional rate of  0.25% (the “Preferred Rate”, as defined in the Premium Services Terms and Conditions) will be applied successively to your Cash Reserve account(s), after the current Promotional Period for your other promotional APY Boost has been completed. For the avoidance of doubt, your Premium Preferred Rate is not added on top of any other promotional APY Boost, but rather applies after all other promotional offers have run. Betterment reserves the right to limit fee waivers you are eligible to receive, and to refuse or recover any fee waivers if Betterment determines that they were obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, or that any terms of the Betterment Client Agreements have been violated. Fee waivers apply only to management fees charged by Betterment for investment advisory services and do not include any fees and expenses charged to shareholders by the funds held in your Betterment account, or to expenses associated with cash held in any Betterment account.