Stash It Forward Program
Solicitation Disclosure Statement

Effective as of June 10, 2020 (the “Effective Date”)

You have received a designated referral invitation to participate in this rewards program. In order to participate, you must open a new individual taxable brokerage account advised by Stash Investments LLC (“Stash”) or a Stash banking account provided by Green Dot Bank, Member FDIC in accordance with these terms and conditions. Your referring friend who sent you this invitation is a Stash customer and has done so through the Stash it Forward Program (the “Program”). This invitation does not constitute a statement of your friend’s experience with, or endorsement of, Stash.

Eligibility

To participate in this rewards program and receive cash bonuses or stock rewards hereunder, you must complete the account opening process for a Qualifying New Invest Account and/or Qualifying New Banking Account, whichever occurs first, and your Qualifying New Invest Account and/or Qualifying New Banking Account must be and remain in good standing (as defined below).

To constitute a "Qualifying New Invest Account" hereunder, you must (i) complete the process of opening a new individual taxable brokerage account advised by Stash (a “Stash Invest Account”) by using the special designated referral link from your invitation received from your referring friend, (ii) link a funding account (e.g. an external bank account) to your Stash Invest Account, and (iii) initiate a minimum deposit of at least one cent ($0.01) into your Stash Invest Account.

To constitute a “Qualifying New Banking Account” hereunder, you must (i) complete the process of opening a Stash banking account provided by Green Dot Bank, Member FDIC (a “Stash Banking account”), by using the special designated referral link from your invitation received from your referring friend, (ii) link a funding account (e.g. an external bank account) to your Stash Banking account, and (iii) initiate a minimum deposit of at least one cent ($0.01) into your Stash Banking account.

Cash Bonuses & Stock Rewards

Subject to these terms and conditions, after you open either a Qualifying New Invest Account or a Qualifying New Banking Account, whichever occurs first, Stash will compensate you and your referring friend in the form of either a cash bonus or a stock reward (as defined below). You and your referring friend will each receive an offer message directly from Stash that will include the type of compensation (e.g. a cash bonus or a stock reward) and the exact amount of such compensation that you and your referring friend will be eligible to receive.

You understand that your referring friend may be eligible to receive additional cash bonuses or stock rewards for referral invitations they send to any of their other referee friends that open either a Qualifying New Invest Account or Qualifying New Banking Account in accordance with the terms of the Program. The maximum amount of compensation that your referring friend may be rewarded under the Program, in the aggregate, either in the form of cash bonuses or stock rewards is $500 per calendar year, which shall be calculated by Stash in its sole discretion.

Cash Bonuses

If you and your referring friend are offered a cash bonus from Stash, then upon you opening either a Qualifying New Invest Account or a Qualifying New Banking Account, whichever occurs first:

  1. Stash will deposit between $5 and $50 into your Qualifying New Invest Account, and
  2. Stash will deposit between $5 and $50 into your referring friend’s Stash Invest Account.
The actual amount of cash bonuses that Stash will deposit will vary within the thresholds noted above and will be specified in an offer message to you and your referring friend from Stash.

For the avoidance of doubt, in the event you and your referring friend are offered a cash bonus and you open up both a Qualifying New Invest Account and a Qualifying New Banking Account in accordance with these terms and conditions, Stash will only deposit one cash reward of up to $50 into your Qualifying New Invest Account, and only one cash reward of up to $50 into your referring friend’s Stash Invest Account, as specified in your offer.

Cash bonuses received hereunder must remain in your Qualifying New Invest Account for ninety (90) days beginning from the date the cash bonus is deposited into your Qualifying New Invest Account and for the entirety of the 90-day period, which shall be determined by Stash in its sole discretion. The cash bonus awarded by Stash hereunder is a fixed cash value and does not constitute stock or any other security, nor is it a recommendation to buy any specific stock or other security. The value of any cash bonus hereunder may be taxable income to you. You are responsible for any federal or state taxes resulting from receipt of a cash bonus. Please consult your tax advisor if you have questions about the tax treatment of a cash bonus.

Stock Rewards

The term “stock rewards” hereunder means fractional shares of stock of certain publicly-traded companies and/or exchange-traded funds that Stash may offer to you and your referring friend as a form of compensation under these terms and conditions.

If you and your referring friend are offered a stock reward from Stash, then upon you opening either a Qualifying New Invest Account or a Qualifying New Banking Account, whichever occurs first, the following will apply:

  1. Each stock reward will be limited to a maximum value of $20;
  2. You must claim your stock reward in order for it to be credited to your Qualifying New Invest Account or you will receive a $20 cash reward, as further described below;
  3. Your offer will include the specific publicly-traded company and/or exchange-traded fund that will comprise your stock reward.
For the avoidance of doubt, in the event you open up both a Qualifying New Invest Account and a Qualifying New Banking Account in accordance with these terms and conditions, you and your referring friend will only be eligible to claim one (1) stock reward (or cash bonus, as applicable), as specified in your offer.

In order to accept an offer to earn a stock reward hereunder, you must claim your stock reward by completing the interactive instructions on the Stash mobile application within seven (7) calendar days from the date that you open either a Qualifying New Invest Account or a Qualifying New Banking Account, whichever comes first (“Offer Period”). If you fail to claim your stock reward during your Offer Period, you will forfeit your stock reward and Stash will instead deposit a $20 cash bonus into your Qualifying New Invest Account. Stash reserves the right to determine whether you’ve claimed a stock reward hereunder, and may calculate any such replacement cash bonuses in its sole discretion. Any such cash bonuses remain subject to these terms and conditions.

Stash reserves the right to determine and/or change the amount(s) and/or type(s) of stock rewards offered hereunder.

Crediting a Stock Reward to Your Qualifying New Invest Account

By accepting an offer to earn a stock reward hereunder, you are making a decision to invest in that specific underlying stock and you agree that it is your responsibility to review and carefully consider the stock, including the information available to you through the Stash applications and website (collectively, the “Stash Platform”) about such stock, before choosing to accept a stock reward hereunder. Neither this rewards program itself, nor the stock available to be earned through it, is a recommendation to buy any such specific stock. The value of any stock reward you receive may fluctuate over time due to a variety of factors. Please refer to the Stash Platform (stash.com/investments/stocks) for a list of all investments that are available for purchase at any time. Stash reserves the right to change the list of investments available on the Stash Platform at any time and from time to time in its sole discretion.

By accepting a stock reward hereunder, you are agreeing to initiate a “buy” order for such stock in the amount of your stock reward. To deliver a stock reward to your Qualifying New Invest Account, Stash will deposit the monetary amount of your stock reward into your Qualifying New Invest Account and automatically initiate a “buy” order for such stock in the amount of the stock reward. By accepting an offer to earn a stock reward, you are authorizing Stash to direct, and Stash Capital LLC to execute, orders to buy the specific stock offered to you. Any stock reward may take up to four (4) business days to be reflected in your Qualifying New Invest Account. For the avoidance of doubt, you have the ability to decline the offer to earn any stock reward and receive a cash bonus instead, or the ability to subsequently sell any stock reward earned under this rewards program after you receive it in your Qualifying New Invest Account, provided, however, that in each such case, the replacement cash bonus or the sale proceeds must remain in your Qualifying New Invest Account for ninety (90) days beginning from the date the cash bonus or the stock reward is initially deposited in your Qualifying New Invest Account and for the entirety of the 90-day period, which shall be determined by Stash in its sole discretion.

Referral Invitations

Any referral invitations for this Program sent prior to the Effective Date where you already created login credentials for your Stash Invest Account (e.g. username and password) but as of the Effective Date have not yet completed the process of opening your Stash Invest Account will expire ninety (90) calendar days from the Effective Date (September 8, 2020, 2020). Further, any referral invitations for this Program (i) sent prior to the Effective Date where you have not as of the Effective Date created login credentials for your Stash Invest Account (e.g. username and password), or (ii) sent to you on or after the Effective Date, will expire ninety (90) calendar days from the date that you create login credentials for your Stash Invest Account (e.g. username and password). For example, if a referral invitation was sent to you on January 1, 2020 and you created a username and password for your Stash Invest Account on January 15, 2020, then your specific referral invitation will expire on September 8, 2020. However, in the previous example if you did not create a username and password for your Stash Invest Account until July 1, 2020, then your referral invitation will expire on September 29, 2020. Further, if you receive a referral invitation after the Effective Date (e.g. June 30, 2020) and you create a username and password for your Stash Invest Account on July 1, 2020, then your referral invitation will expire on September 29, 2020. If your referral invitation expires and you have not already created login credentials for your Stash Invest Account (e.g. username and password), then you will be eligible to receive future invitations under this rewards program. If your referral invitation expires after you have already created login credentials for your Stash Invest Account (e.g. username and password), then you will not be eligible to receive any future invitations (or earn cash bonuses or stock rewards) under this rewards program.

Other Program Information

The term “Stash” refers to Stash Investments LLC. Stash is not responsible for incorrect entry or other failure on your part to meet standards for qualifying for the cash bonuses or stock rewards specified hereunder or the Program. By choosing to participate in this rewards program, you are expressly acknowledging and agreeing that the individual who referred you to Stash will be notified when you open a Qualifying New Invest Account and/or a Qualifying New Banking Account (as applicable), including updates as you complete the account opening process for either such account.

This rewards program is not valid with any other offers and is non-transferrable. Offer available to U.S. residents only. Stash reserves the right to terminate or amend this offer or the Program at any time and to refuse or recover any cash bonus or stock reward hereunder if Stash determines that such cash bonus or stock reward was obtained under wrongful or fraudulent circumstances, or was awarded to you in error, or that you received this offer from Stash in error, or that inaccurate or incomplete information was provided in opening your account, or that any terms of the Advisory Agreement, Terms of Use, these terms and conditions, or the Program terms have been violated. Tax-advantaged accounts (including Stash Retire and Stash Custodial accounts) are not eligible for this rewards proram and do not constitute Qualifying New Invest Accounts hereunder. Stash Investments LLC is an SEC registered investment adviser. You may view Stash’s Wrap Fee Brochure, our Advisory Agreement and other customer agreements at https://www.stash.com/disclosurelibrary.

Stash and/or Green Dot Bank reserve the right to determine in our/its sole or joint discretion whether an account is closed and/or in good standing. An account in good standing for purposes of this rewards program is an account for which all required opening documentation has been completed and verified, and is not locked, or restricted, or otherwise flagged in any way. If either account is closed or not in good standing for any reason at any time, any cash bonuses or stock rewards will be forfeited.

A Stash Banking account opened hereunder is also subject to approval by Green Dot Bank, Member FDIC. You must pass Green Dot Bank’s customer identification procedures and otherwise be approved by Green Dot Bank for a Stash Banking account, and you must agree to electronic delivery of disclosures, Green Dot Bank’s deposit account agreement, and any other account documentation required for opening in order to open a Stash Banking account. There is no guarantee that you will be approved to open a Stash Banking account.

Investing Involves Risk. Information shown is strictly for illustrative and educational purposes only and should not be considered a solicitation to buy, an offer to sell, or a recommendation for any security in any jurisdiction where such an offer, solicitation or recommendation would be unlawful or unauthorized. Any preliminary information provided to prospective customers prior to Stash accepting a signed advisory agreement does not constitute investment advice and should not be relied on as such. Investment advice is only provided to Stash customers. Investment products, stock rewards, and services are offered by Stash, not Green Dot Bank, and are Not FDIC Insured, Not Bank Guaranteed and May Lose Value.

Debit account services are provided by Green Dot Bank and Stash Visa Debit Card issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Visa is a registered trademark of Visa International Service Association. Green Dot Bank operates under the following registered trade names: GoBank, Green Dot Bank and Bonneville Bank. All of the registered trade names are used by, and refer to a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Green Dot is a registered trademark of Green Dot Corporation. © 2020 Green Dot Bank. All rights reserved. This Program is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any aspect of this Program.