BETTERMENT HOLDINGS, INC.

BETTERMENT

Providing web-based, automated and customized personal financial management services, namely, [ user-directed ] management of personal financial accounts, daily monitoring of financial transactions and account balances, and budget and spending reporting, each through a global computer network;

BETTERMENT EVERYDAY

Providing automated and customized personal financial management services, namely, management of personal financial accounts, monitoring and reporting of financial transactions, account balances and budgets; financial services, namely, investment advisory services; securities brokerage services; online financial planning services; online financial valuations, information, research and investment recommendations;Software as a service (SaaS) services providing software that enables automated and customized personal financial management services, namely, management of personal financial accounts, monitoring and reporting of financial transactions, account balances and budgets; Providing on-line, non-downloadable, interactive software for managing investments; providing on-line, non-downloadable, interactive software and applications for use in financial planning and management of savings products;

BETTERMENT FOR BUSINESS

Individual retirement account services;BUSINESS;Providing temporary use of on-line non-downloadable software for use by investment advisors for financial administration and management of investment and retirement plans and accounts of others, for analysis of retirement plan options, and for investment fund transfer and transaction services related thereto;

BETTERMENT INSTITUTIONAL

Providing financial information and analysis in the field of personal financial investment portfolios of others;INSTITUTIONAL;Providing temporary use of on-line non-downloadable software for use by investment advisors for financial administration, management, and monitoring of investment accounts of others, and for creating reports related thereto;

INVESTING MADE BETTER

Providing automated and customized personal financial management services, namely, user-directed management of personal financial accounts, daily monitoring of financial transactions and account balances, and budget and spending reporting; Financial services, namely, investment advisory services; securities brokerage services; online financial planning services; online financial valuations, information, research and investment recommendations;Providing on-line, non-downloadable, interactive software for managing investments; Providing on-line, non-downloadable, interactive software and applications for use in financial planning and management of investments and retirement savings;

OUTSMART AVERAGE

Providing automated and customized personal financial management services, namely, management of personal financial accounts, daily monitoring of financial transactions and account balances, and budget and spending reporting; financial services, namely, investment advisory services; securities brokerage services; online financial planning services; online financial valuations, information, research and investment recommendations;

SELF-DRIVING WALLET

Providing automated and customized personal financial management services, namely, the management, monitoring and reporting of personal financial accounts, savings products and transactions;Software as a service (SaaS) services providing software that enables automated and customized personal financial management services, namely, the management, monitoring and reporting of personal financial accounts, savings products and transactions;