Company: WLTH
Filing Date: 2025-07-28
Form Type: DRS/A
Source: 0001628279-25-000486
Chunk: 180

Company: WEALTHFRONT CORP
Filing Date: 2025-07-28
Form: DRS/A
Chunk 180
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 fee structure, thereby increasing trust and underscoring our aligned incentives. Because our platform abstracts away the complexity of sophisticated financial services, our products are easy to use and prioritize user experience and convenience while helping our clients achieve their financial goals.

### Cash Management

#### Cash Account
: Our cash account offers clients, through our program banks and the aggregation of FDIC deposit insurance across the sweep program, the opportunity to earn an industry-leading APY 25 with zero account fees, up to $8 million of FDIC insurance for individual accounts and $16 million for joint accounts, minimum $1 balance requirement and free 24/7 instant transfers to other institutions. Client funds held in our cash accounts have generated approximately $2.8 billion in interest for our clients through January 31, 2025. The sticky nature of our client assets incentivizes program banks to extend more competitive rates to us than to other digital financial services providers. We are able to offer a large multiple of the traditional bank’s FDIC insurance coverage of $250,000 per depositor by sweeping cash in

25 Based on data collected by us on APY offered by a total of sixteen competitors offering online cash savings or cash management products from October 2022 to January 2025. As of January 31, 2025, clients could earn between 4.00% and 4.50% APY in a Cash Account.

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their accounts across more than 30 program banks, each of which offers $250,000 of FDIC insurance for individual accounts and $500,000 of FDIC insurance for joint accounts.

Our cash account has both checking and savings functionality, allowing clients to maximize their utility with just one account. Checking functionality our cash account offers includes: debit cards, account and routing numbers for paying bills, direct deposit, bill payment, mobile check deposits, access to over 19,000 free ATMs nationwide; for any out-of-network ATMs, Wealthfront will reimburse two domestic fees per month (up to $7.50 each), early paycheck access of up to two days early by enabling direct deposit, and free wire transfers to title and escrow companies and clients’ personal accounts at other institutions.

We also offer some automated features that make it easier to save and invest including automated savings plans and recurring transfers, cash categories for easy budgeting and customizable saving goals and the ability for couples to track combined net worth and set shared goals with customized categories.

#### Investment Advisory
Our investment advisory products