Acorns Agreement

The application and use of Acorns expense accounts is subject to approval by Lincoln Savings Bank and certain disclosures, terms and conditions by Lincoln Savings Bank. In particular, to request an Acorns Expense Account, you must agree to each of the following disclosures and agreements with Lincoln Savings Bank, each available in the App: You may terminate this Agreement at any time by notifying Acorns in writing to support@acorns.com that you no longer wish to make referrals or receive reward actions for referrals. After termination, you are no longer a referring customer. Acorns may terminate this Agreement at any time by notifying you at the email address you provided to Acorns for your Acorns Wallet Account(s). If Acorns terminates this Agreement and you have not breached this Agreement, Acorns will credit your account with all Reward Shares you have earned through recommendations in which the Referred Client, before notifying you that we have terminated this Agreement with you, has retained the ETF shares in the Referred Client`s acorn portfolio account from its initial investment of $5 during at least 30 days. If you believe that an unauthorized transfer has taken place on your account, please call the bearer broker immediately at (855) 739-2859, email support@acorns.com or write to the port broker at 5300 California Avenue, Irvine CA 92617. The broker is responsible for the execution of securities orders. The broker may ask you to sign an agreement that, among other things, sets out its responsibilities and your responsibilities with respect to securities trading for the traditional IRA. The custodian and administrator of the ERI has provided you with the disclosure statement required by section 1.408-6 (attached to the program agreement as Exhibit F). You and the Custodian and the Administrator of the IRA enter into the following agreement: Any controversy that may arise between you and the Bearer Broker with respect to any object, problem or circumstance (including controversies relating to an account, order or transaction or the continuation, execution, interpretation or breach thereof, to the advisory agreement, brokerage agreement or other agreement between you and Acorns, or the bearer broker), B. if it was received or created before, from the date of opening of this account, will be determined to the extent applicable by binding arbitration of the Financial Sector Regulatory Authority (“FINRA”). Any dispute between you and the carrying broker that cannot be resolved prior to FINRA will be resolved by binding arbitration by the American Arbitration Association (the “AAA”) in accordance with its rules and procedures and, if applicable, the additional procedures then in effect for consumer disputes, as modified by this binding arbitration provision. You acknowledge and agree that, notwithstanding anything to the contrary, Acorns Pay, its parent and its affiliates, officers, directors and employees have no obligation to perform or be responsible for Lincoln Savings Bank`s failure to perform or perform any of Lincoln Savings Bank`s obligations under the Program, under any of the Lincoln Savings Bank Agreements or Arrangements, unless Lincoln Savings Bank has expressly and properly performed its functions.

delegates and liabilities to Acorns Pay under an applicable agreement between Lincoln Savings Bank and Acorns Pay. In addition to disclosures and agreements with Lincoln Savings Bank, you must agree to Local Found Money`s terms and conditions before you can activate your Acorns debit card. The terms and conditions for money found locally are available in the app. For more information on money found locally, see section G4 below. 1. Notwithstanding anything to the contrary in this Agreement, the allocation of your interest in the Deposit shall comply with the following requirements and shall otherwise be in accordance with Section 408(a)(6) and the provisions contained therein, the provisions of which are incorporated herein by reference. You, Acorns or the Carrying Broker may close all or part of your portfolio accounts and terminate the agreements at any time for any reason. You may close all or part of your Wallet Accounts and terminate the Agreements by sending an email request through support@acorns.com or by sending a signed written request, provided that: This Agreement is amended from time to time to comply with the provisions of the Code, related regulations and other published guidelines. Other changes may be made with your consent and that of the custodian and administrator of the IRA. This Agreement will be amended as necessary to comply with the provisions of the Code (as defined below) and related regulations.

Other changes may be made with the consent of the persons whose signatures appear on the application. You acknowledge that you may obtain information, ask questions and obtain assistance regarding your portfolio account and its transactions and assets by contacting the bearer dealer in support@acorns.com or from 9:00 a.m. .m. to 5:00 p.m.m Pacific Time at (855) 739-2859. The following information is the declaration required by federal tax regulations. You must make this declaration and the applicable filing agreement (i.e., subsequent/traditional custody agreement or subsequent custody agreement/Roth) for individual pension plans (“IRA”). The rules applicable to IRAs are subject to change. The contribution limit information is based on federal law as specified in the Internal Revenue Code and is believed to be accurate. However, eligibility to contribute depends on the condition of your tax return and your personal circumstances. Please consult a competent tax advisor regarding your specific eligibility for contributions and any applicable state laws that may differ from federal law. If you have questions about privacy, please read our Privacy Policy: www.acorns.com/privacy Form 5305-A is a sample custodian account agreement that meets the requirements of Section 408(a) and has been pre-approved by the IRS….