Start earning more on every dollar you save

Earn 0.40% APY* on money in your Cash Reserve account View in [browser]( [Log in]( [Betterment.com]( [YOU'RE ALMOST THERE: FINISH SIGNING UP][YOU'RE ALMOST THERE: FINISH SIGNING UP] Betterment Cash Reserve is our no-fee, high-yield cash account designed specifically for the money you save. It's more than just a variable APY earning the national average**. Once your money is with our [program banks]( it's FDIC-insured up to $1 million†. Plus, with money movement taking just 1–2 business days, you can access your cash quickly. We can't think of a better time than now to start earning more. [Complete signup]( For Cash Reserve ("CR"), Betterment LLC only receives compensation from our program banks; Betterment LLC and Betterment Securities do not charge fees on your CR balance. Refer friends to Betterment and earn rewards. [Click Here]( Questions? [Email](mailto:support@betterment.com) | [FAQs]( Follow us [IG]( [FB]( [Twtr]( [LI]( Betterment Cash Reserve *The annual percentage yield ("APY") on the deposit balances in Cash Reserve is 0.40% and represents the weighted average of the APY on deposit balances at the banks participating in Cash Reserve (the "Program Banks") and is current as of 11/02/2020. This APY is variable and subject to change daily. See [Current APY](. Deposit balances are not allocated equally among the participating Program Banks. A minimum deposit of $10 is required, but there is no minimum balance required to be maintained. The APY available to a customer may be lower if that customer designates a bank or banks as ineligible to receive deposits. APY applies only to Cash Reserve and does not apply to checking accounts held through Betterment Checking. Cash Reserve and Betterment Checking are separate offerings and are not linked accounts. See Betterment's [Form ADV Part II]( and [Terms and Conditions]( for additional information, including details of the deposit allocation methodology. **The national average savings account interest rate is reported by the FDIC (as of ) as the average annual percentage yield (APY) for savings accounts with deposits under $100,000. †Betterment Cash Reserve ("Cash Reserve") is offered by Betterment LLC. Clients of Betterment LLC participate in Cash Reserve through their brokerage account held at Betterment Securities. Neither Betterment LLC nor any of its affiliates is a bank. Through Cash Reserve, clients' funds are deposited into one or more banks ("[Program Banks]( where the funds earn a variable interest rate and are eligible for FDIC insurance. Cash Reserve provides Betterment clients with the opportunity to earn interest on cash intended to purchase securities through Betterment LLC and Betterment Securities. Cash Reserve should not be viewed as a long-term investment option. Funds held in your brokerage accounts are not FDIC-insured but are protected by SIPC. Funds in transit to or from Program Banks are generally not FDIC-insured but are protected by SIPC, except when those funds are held in a sweep account following a deposit or prior to a withdrawal, at which time funds are eligible for FDIC insurance but are not protected by SIPC. See [Betterment Client Agreements]( for further details. Funds deposited into Cash Reserve are eligible for up to $1,000,000.00 (or $2,000,000.00 for joint accounts) of FDIC insurance once the funds reach one or more Program Banks (up to $250,000 for each insurable capacity—e.g., individual or joint—at up to four Program Banks). Even if there are more than four Program Banks, clients will not necessarily have deposits allocated in a manner that will provide FDIC insurance above $1,000,000.00 (or $2,000,000.00 for joint accounts). The FDIC calculates the insurance limits based on all accounts held in the same insurable capacity at a bank, not just cash in Cash Reserve. If clients elect to exclude one or more Program Banks from receiving deposits the amount of FDIC insurance available through Cash Reserve may be lower. Clients are responsible for monitoring their total assets at each Program Bank, including existing deposits held at Program Banks outside of Cash Reserve, to ensure FDIC insurance limits are not exceeded, which could result in some funds being uninsured. For more information on FDIC insurance please visit [www.FDIC.gov](. Deposits held in Program Banks are not protected by SIPC. For more information see the full [terms and conditions]( and [Betterment LLC's Form ADV Part II](. Your statements, confirmations, and activity history are available securely at [betterment.com]( and [bettermentsecurities.com](. Advisory services provided by Betterment LLC, an SEC-registered investment adviser. Cash Reserve is offered by Betterment LLC. This message is being sent to you by Betterment LLC. Brokerage services provided to clients of Betterment LLC by [Betterment Securities]( an SEC-registered broker-dealer and member of [FINRA](. To the extent that this message is notifying you of the availability of a trade confirmation or account statement, this notification is being made by Betterment Securities. Betterment Checking made available through Betterment Financial LLC. Checking accounts and the Betterment Visa Debit Card provided by and issued by nbkc bank, Overland Park, Kansas, Member FDIC. Neither Betterment LLC nor Betterment Financial LLC, nor any of their affiliates, is a bank. To the extent this message contains marketing material regarding Betterment Checking, it is coming from Betterment Financial LLC. Investments in securities: Not FDIC Insured • No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and Betterment LLC’s charges and expenses. Past performance does not guarantee future results, and the likelihood of investment outcomes are hypothetical in nature. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Betterment is not registered. If you also have a 401(k) account through Betterment For Business, that account is subject to a separate fee schedule. © Betterment. All rights reserved This email was sent by: Betterment LLC 8 W 24th St, 6th Floor, New York, NY, 10010, USA [Unsubscribe](