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| 6 | The Fine Print of Acorns Important Disclosures Acorns Early Invest Match Terms & Conditions Link In Bio Disclosures $20 College Student Bonus Promotion Terms & Conditions $25 T-Mobile Tuesday Bonus Promotion Terms & Conditions ECFC Season Ticket on Acorns Promotion Terms and Conditions EarlyBird Promotion [A] EarlyBird Promotion [B] $20 Chicago Sky Bonus Investment Promotion Terms and Conditions Upgrade Incentive Promo Terms Acorns Creator $20 Bonus Investment Promotion Terms and Conditions Begin $50 Acorns Bonus Investment Promotion Terms and Conditions CHICKS IN THE OFFICE GUESS THE CHANGE CONTEST Strava Challenge Reward Terms & Conditions Duolingo $20 Bonus Investment Promotion Terms & Conditions Free Trial Terms & Conditions Acorns Compound Vending Machine Bonus Investment Terms Acorns Dollar Experience Terms Acorns Up To Financial Literacy Month Challenge Terms and Conditions Pathways to Graduation Bonus Terms and Conditions $20 Research Bonus Investment Promotion Terms and Conditions Acorns Research Promotion Terms and Conditions Acorns $50 Opendorse Promotion Terms and Conditions Acorns $20 Money Therapy Bonus Investment Promotion Terms and Conditions $20 VRBO Bonus Investment Promotion Terms and Conditions $20 Kikoff Bonus Investment Promotion Terms and Conditions Acorns & Atom Bonus Investment Promotion Terms and Conditions Acorns & DailyPay Bonus Investment Promotion Terms and Conditions Acorns Investinall Bonus Investment Promotion Terms and Conditions $25 Invest My Tips Tipper Promotion Tip Recipient Terms Tip Recipient Match Terms Acorns Tipper Terms and Conditions ABC Mouse Bonus Investment Promotion Terms and Conditions Terms of Use Wrap Fee Brochure Accessibility Statement Acorns on Social Media Gift Card Terms Mighty Oak Card Gold Tier Tunsgten Promotions Terms Later Match Terms & Conditions Referral Promotion Terms Earn Rewards Match Acorns Returning Customer Promotion Terms and Conditions Acorns Complete Registration Offer Terms and Conditions Existing Acorns Customer Promotion Terms and Conditions Program Agreement Privacy Policy Acorns Early Terms and Conditions Important Disclosures Referral Agreement Business Continuity Plan Form CRS LSB MRDC Disclosure LSB Send Check Disclosure Unaudited Statement of Financial Condition as of June 30, 2026 Audited Statement of Financial Condition as of December 31, 2025 ACORNS PRIVACY NOTICE Effective as of September 29, 2026 FACTS WHAT DOES ACORNS DO WITH YOUR PERSONAL INFORMATION? | 6 | The Fine Print of Acorns Important Disclosures Acorns Early Invest Match Terms & Conditions Link In Bio Disclosures $20 College Student Bonus Promotion Terms & Conditions $25 T-Mobile Tuesday Bonus Promotion Terms & Conditions ECFC Season Ticket on Acorns Promotion Terms and Conditions EarlyBird Promotion [A] EarlyBird Promotion [B] $20 Chicago Sky Bonus Investment Promotion Terms and Conditions Upgrade Incentive Promo Terms Acorns Creator $20 Bonus Investment Promotion Terms and Conditions Begin $50 Acorns Bonus Investment Promotion Terms and Conditions CHICKS IN THE OFFICE GUESS THE CHANGE CONTEST Strava Challenge Reward Terms & Conditions Duolingo $20 Bonus Investment Promotion Terms & Conditions Free Trial Terms & Conditions Acorns Compound Vending Machine Bonus Investment Terms Acorns Dollar Experience Terms Acorns Up To Financial Literacy Month Challenge Terms and Conditions Pathways to Graduation Bonus Terms and Conditions $20 Research Bonus Investment Promotion Terms and Conditions Acorns Research Promotion Terms and Conditions Acorns $50 Opendorse Promotion Terms and Conditions Acorns $20 Money Therapy Bonus Investment Promotion Terms and Conditions $20 VRBO Bonus Investment Promotion Terms and Conditions $20 Kikoff Bonus Investment Promotion Terms and Conditions Acorns & Atom Bonus Investment Promotion Terms and Conditions Acorns & DailyPay Bonus Investment Promotion Terms and Conditions Acorns Investinall Bonus Investment Promotion Terms and Conditions $25 Invest My Tips Tipper Promotion Tip Recipient Terms Tip Recipient Match Terms Acorns Tipper Terms and Conditions ABC Mouse Bonus Investment Promotion Terms and Conditions October Guess the Spare Change Contest Terms Terms of Use Wrap Fee Brochure Accessibility Statement Acorns on Social Media Gift Card Terms Mighty Oak Card Gold Tier Tunsgten Promotions Terms Later Match Terms & Conditions Referral Promotion Terms Earn Rewards Match Acorns Returning Customer Promotion Terms and Conditions Acorns Complete Registration Offer Terms and Conditions Existing Acorns Customer Promotion Terms and Conditions Program Agreement Privacy Policy Acorns Early Terms and Conditions Important Disclosures Referral Agreement Business Continuity Plan Form CRS LSB MRDC Disclosure LSB Send Check Disclosure Unaudited Statement of Financial Condition as of June 30, 2026 Audited Statement of Financial Condition as of December 31, 2025 ACORNS PRIVACY NOTICE Effective as of September 29, 2026 FACTS WHAT DOES ACORNS DO WITH YOUR PERSONAL INFORMATION? 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