Common use of Electronic Funds Transfer Rights and Error Resolution Clause in Contracts

Electronic Funds Transfer Rights and Error Resolution. You, the Client, authorize Betterment and Betterment Securities (collectively “us” or “we” or the “Company”) to electronically transfer funds via Automatic Clearing House or other form of electronic transfer (collectively “Transfer”) to/from your Betterment Securities account to/from your checking account designated by you via Betterment’s website. For purposes of IRAs, your authorization given here is to Company as agent for Sunwest Trust, Inc., custodian of your IRA account. In the event an entry is incorrect, Betterment Securities reserves the right to submit correcting entries. This authorization is simply to establish the Transfer relationship, any recurring Transfer must be established through other mechanisms within the Betterment website. You attest to having provided full and accurate bank account and routing number information within Betterment’s account application process and elsewhere within the Betterment website. You understand that the Transfer activation process may take as many as ten business days from the date of Betterment Securities’s receipt of these instructions and may require your further interaction to complete. You understand that recurring Transfers, if applicable will initiate no later than the next business day assuming availability of funds. You also understand that funds must be readily available in your checking account or there is a possibility the Transfer will be delayed or cancelled, and you may incur a non-sufficient funds or overdraft fee from the institution holding your checking account. You agree to notify us of any willful closure of the checking account referenced herein. Furthermore, this authorization shall remain in full force and effect until instructions to terminate or alter are received in writing by Betterment. You understand that Betterment and/or Betterment Securities reserve the right to willfully terminate this relationship at their discretion at any time. You agree to hold Betterment and/or Betterment Securities and their agents free of liability for compliance with the instructions set forth in this document. It is very important that you contact us at once if you believe your user ID or password has been compromised, or if someone has transferred or may transfer money from your account without your permission. Under applicable federal regulations, the extent of your liability for an unauthorized Transfer is largely determined by your promptness in notifying us or the institution holding your checking account if someone has gained access to your account, or if a transfer or withdrawal in your account statement is incorrect or unauthorized. Notifying us quickly limits your liability:

Electronic Funds Transfer Rights and Error Resolution. You, the Client, authorize Betterment and Betterment Securities (collectively “us” or “we” or the “Company”) to electronically transfer funds via Automatic Clearing House or other form of electronic transfer (collectively “Transfer”) to/from your Betterment Securities account to/from your checking account designated by you via Betterment’s website. For purposes of Individual Retirement Accounts (“IRAs”), your authorization given here is to Company as agent for Sunwest Trust, Inc., custodian of your IRA account. In the event an entry is incorrect, Betterment Securities reserves the right to submit correcting entries. This authorization is simply to establish the Transfer relationship, any recurring Transfer must be established through other mechanisms within the Betterment website. You attest to having provided full and accurate bank account and routing number information within Betterment’s account application process and elsewhere within the Betterment website. You understand that the Transfer activation process may take as many as ten business days from the date of Betterment Securities’s ’ receipt of these instructions and may require your further interaction to complete. You understand that recurring Transfers, if applicable will initiate no later than the next business day assuming availability of funds. You also understand that funds must be readily available in your checking account or there is a possibility the Transfer will be delayed or cancelled, and you may incur a non-sufficient funds or overdraft fee from the institution holding your checking account. You agree to notify us of any willful closure of the checking account referenced herein. Furthermore, this authorization shall remain in full force and effect until instructions to terminate or alter are received in writing by Betterment. You understand that Betterment and/or Betterment Securities reserve the right to willfully terminate this relationship at their discretion at any time. You agree to hold Betterment and/or Betterment Securities and their agents free of liability for compliance with the instructions set forth in this document. It is very important that you contact us at once if you believe your user ID or password has been compromised, or if someone has transferred or may transfer money from your account without your permission. Under applicable federal regulations, the extent of your liability for an unauthorized Transfer is largely determined by your promptness in notifying us or the institution holding your checking account if someone has gained access to your account, or if a transfer or withdrawal in your account statement is incorrect or unauthorized. Notifying us quickly limits your liability:

Electronic Funds Transfer Rights and Error Resolution. You, the Client, authorize Betterment and Betterment Securities (collectively “us” or “we” or the “Company”) to electronically transfer funds via Automatic Clearing House or other form of electronic transfer (collectively “Transfer”) to/from your Betterment Securities account to/from your checking account designated by you via Betterment’s website. For purposes of Individual Retirement Accounts (“IRAs”), your authorization given here is to Company as agent for Sunwest Trust, Inc., custodian of your IRA XXX account. In the event an entry is incorrect, Betterment Securities reserves the right to submit correcting entries. This authorization is simply to establish the Transfer relationship, any recurring Transfer must be established through other mechanisms within the Betterment website. You attest to having provided full and accurate bank account and routing number information within Betterment’s account application process and elsewhere within the Betterment website. You understand that the Transfer activation process may take as many as ten business days from the date of Betterment Securities’s ’ receipt of these instructions and may require your further interaction to complete. You understand that recurring Transfers, if applicable will initiate no later than the next business day assuming availability of funds. You also understand that funds must be readily available in your checking account or there is a possibility the Transfer will be delayed or cancelled, and you may incur a non-sufficient funds or overdraft fee from the institution holding your checking account. You agree to notify us of any willful closure of the checking account referenced herein. Furthermore, this authorization shall remain in full force and effect until instructions to terminate or alter are received in writing by Betterment. You understand that Betterment and/or Betterment Securities reserve the right to willfully terminate this relationship at their discretion at any time. You agree to hold Betterment and/or Betterment Securities and their agents free of liability for compliance with the instructions set forth in this document. It is very important that you contact us at once if you believe your user ID or password has been compromised, or if someone has transferred or may transfer money from your account without your permission. Under applicable federal regulations, the extent of your liability for an unauthorized Transfer is largely determined by your promptness in notifying us or the institution holding your checking account if someone has gained access to your account, or if a transfer or withdrawal in your account statement is incorrect or unauthorized. Notifying us quickly limits your liability:

Electronic Funds Transfer Rights and Error Resolution. You, the Client, authorize Betterment and Betterment Securities (collectively “us” or “we” or the “Company”) to electronically transfer funds via Automatic Clearing House or other form of electronic transfer (collectively “Transfer”) to/from your Betterment Securities account to/from your checking account designated by you via Betterment’s website. For purposes of Individual Retirement Accounts (“IRAs”), your authorization given here is to Company as agent for Sunwest TrustMillennium Trust Company, Inc.LLC, custodian of your IRA account. In the event an entry is incorrect, Betterment Securities reserves the right to submit correcting entries. This authorization is simply to establish the Transfer relationship, any recurring Transfer must be established through other mechanisms within the Betterment website. You attest to having provided full and accurate bank account and routing number information within Betterment’s account application process and elsewhere within the Betterment website. You understand that the Transfer activation process may take as many as ten business days from the date of Betterment Securities’s ’ receipt of these instructions and may require your further interaction to complete. You understand that recurring Transfers, if applicable will initiate no later than the next business day assuming availability of funds. You also understand that funds must be readily available in your checking account or there is a possibility the Transfer will be delayed or cancelled, and you may incur a non-sufficient funds or overdraft fee from the institution holding your checking account. You agree to notify us of any willful closure of the checking account referenced herein. Furthermore, this authorization shall remain in full force and effect until instructions to terminate or alter are received in writing by Betterment. You understand that Betterment and/or Betterment Securities reserve the right to willfully terminate this relationship at their discretion at any time. You agree to hold Betterment and/or Betterment Securities and their agents free of liability for compliance with the instructions set forth in this document. It is very important that you contact us at once if you believe your user ID or password has been compromised, or if someone has transferred or may transfer money from your account without your permission. Under applicable federal regulations, the extent of your liability for an unauthorized Transfer is largely determined by your promptness in notifying us or the institution holding your checking account if someone has gained access to your account, or if a transfer or withdrawal in your account statement is incorrect or unauthorized. Notifying us quickly limits your liability: