A Letter From Acorns CEO <br/>Noah Kerner
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Happy New Year!

My name is Noah, and I get to look after Acorns as CEO. Last year, we welcomed nearly 1,300,000 people into our community, bringing our total number of Acorns investors to more than 2,600,000. Thank you for letting our growing family of 150 in Irvine, Portland, and New York be a part of what you’re achieving.

We have a lot planned for 2018, so before it unfolds I want to pause, say thank you, and connect more personally with you.

About five years ago, Acorns set out to solve a problem — investing was for the wealthy. We aspired to change that, led by the belief that anyone can grow wealth.

I’m going to back up. I’m from New York City. I grew up in an East Village apartment to middle-class parents. We were comfortable, and we had a lot of love, but not a ton of money. Many of my classmates had less. But we lived in the city of dreams, so we knew there was more if we were willing to work, and believe. When I was eleven, I started selling baseball cards. I haven’t stopped working since. The truth is while I am fascinated by technology and a student of finance, that’s not what brought me to Acorns. I’m at Acorns because I believe in people, the power of grit and the indestructibility of The American Dream. I believe that no matter where you start, the future is yours.

Here we are together, proving the possibilities. Just look at the numbers below — how you’ve grown, what you’ve earned, how we’re giving as a community. This year had highs and lows for me personally, but not a day passed when I wasn’t moved by the people I get to work with, and by you.

Looking ahead, I feel hope, energy, and relentless resolve. I believe in our team continuing to do well by doing good. I believe in you and your right to what’s yours. And I am committed to being transparent. We’ve made mistakes. As we grow, we’ll make more, but we’ll never hide. Please hold us to that.

More than ever, we believe that from acorns, mighty oaks do grow. A better future isn’t for the few anymore. It’s for anyone. It’s for you. Whatever’s ahead, let’s help each other remember that, and stay the course. Let’s lift each other up to reach our endless potential!

Grow your oak!

Noah Kerner

P.S. We want your friends to grow, too. Invite 10 to join Acorns this month, and earn a bonus $1,000 from us if they start investing in January.

Friends must sign up on or after 01/01/2018, and have an account in good standing and make their first investment by 01/30/2018. Bonuses paid out by 02/15/2018.

Rewards for inviting friends to join Acorns are a limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved and they have completed their first investment. To be eligible for the reward, the persons you refer must use your personal invitation code when they sign up. Acorns reserves the right to restrict or revoke this offer at any time. Referral amount subject to change at discretion of Acorns Advisers, LLC.

Advisory services offered by Acorns Advisers, LLC (“Acorns”), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Investments are not FDIC insured. Investing involves risk and investments may lose value. Please consider your objectives and Acorns’ fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo and “Invest the Change” are registered trademarks of Acorns Grow, Inc. Copyright © 2018 Acorns and/or its affiliates.