Jan 2025 Promo Brokerage Transfer Bonus Terms and Conditions 

Promotion Period: January 1, 2025 (12:00 AM EST) through January 31, 2025 (11:59 PM EST).

During the Promotion Period, this promotional offer is valid for new and existing M1 customers who successfully complete and settle a Brokerage Account Transfer (“BAT”) of at least $10,000 in aggregate across your account(s) (“Transfer Account Value”) (together, the “Promotion”). The appropriate M1 account must successfully receive settled funds prior to expiry of the Promotion Period (e.g., IRA to IRA). Any unsuccessful BAT will be deemed ineligible (including but not limited to, any incorrect instructions, or unsettled funds). This offer is non-transferable, and not valid with any of the following: (i) internal transfers, (ii) ACH deposits (bank transfers), (iii) wire transfers, or (iv) direct 401(k), 403(b) and/or 457(b) rollovers.

Cryptocurrency is not eligible for BAT. Additionally, any security transferred via BAT that is neither traded nor carried by M1 will be automatically liquidated upon receipt, including but not limited to Mutual Funds and Over-The-Counter securities. M1 reserves the right to automatically liquidate any securities without any notice.

If you satisfy the aforementioned conditions, M1 will make a one-time deposit equal to 0.5% (one-half of one-percent) of the total aggregate Transfer Account Value successfully completed across your account(s) (“Promotional Payout”) not to exceed $25,000 (the “Payout Maximum”), into the cash balance of your M1 taxable investment account (the “Payment Account¹”) within thirty (30) days of the Promotion Period expiry (the “Payout Date”). However, the Promotional Payout can only be deposited into your Payment Account, and the following accounts are ineligible to receive any Promotional Payout: any retirement (IRA, 401(k)), custodial or trust accounts. The “Transfer Account Value” is determined as the net accounts transfer value (defined below) of all holdings and cash transferred during this Promotion Period, in aggregate, on the day the transfer is successfully completed to the qualifying/matching account(s). Net accounts transfer value of securities is calculated utilizing the quantity of settled shares and the closing price on such share(s) settlement date. The Transfer Account Value must remain equal to, or greater than, the value after the net transfer was made (minus any losses due to trading, market volatility or margin debit balances) at time of the Payout Date in order to be eligible for the Promotional Payout. However, reallocation of any Transfer Account Value funds transferred for this Promotion either externally (e.g., another broker, or bank), or internally to any other M1 services (e.g., M1 High-Yield Savings Account, M1 Cash Account), prior to January 31, 2026 (e.g., 365 days after Promotion Period expiry) (the “Holding Period”) will disqualify you from the Promotion and any Promotional Payout will be returned back to M1 without any further notice to you (e.g., via liquidation, direct transfer, ACAT return, etc). Any transfer of the Promotional Payout back to M1 will be reflected on your then-applicable monthly statement for your Payment Account. The Promotion Payout deposited by M1 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. M1 Finance may charge the account for the cost of the offer at its sole discretion. M1 reserves the right to restrict or revoke this offer at any time without any notice. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business.

For illustrative purposes only: 

Transfer Account Value	Promotional Payout
$10,000	$50
$5,000,000	$25,000

¹Payment Accounts 

Promotional Payout(s) are deposited into your Payment Account. If you have more than one Payment Account, M1 will deposit the Promotional Payout into your Payment Account with the highest balance at the time of payout. A Payment Account must be a taxable individual or joint brokerage account (funding not required). A Payment Account cannot be a retirement, trust or custodial account of any kind. It is solely your responsibility to open a valid Payment Account, and without a valid Payment Account, you will not be able to receive any Promotional Credit.

ADDITIONAL TERMS & CONDITIONS: 

Any Promotional Payout will not apply for any transfer which has completed retroactively prior to the Promotion Period.

This Promotion is independent from the M1 Referral Promotion available to you at any given time, but you are expressly prohibited from qualifying for or combining this Promotion with any other BAT promotion during this Promotion Period, if any.

This Promotion is not valid with any other offers and is non-transferrable. Offer available only to individuals who are 18 years or older and are legal U.S. Residents. M1 reserves the right to terminate this offer at any time without notice, to limit the amount of account bonuses you are eligible to receive, and to refuse to pay, or recover from you, any Promotional Payout, in part of in full, if M1 determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided, any portion of the Transfer Account Value was diminished prior to the expiry of the Holding Period, or that any terms of the M1 Terms of Use or your Account Agreement have been violated. In the event the aggregate Transfer Account Value is diminished in any proportion prior to expiry of the Holding Period, M1 will automatically deduct the Promotional Payout from any valid M1 account prior to any transfer or account closure without further notice. This offer is not valid if the name on the M1 account is different than the name on the outside brokerage or retirement account requested for the BAT.

General Conditions: By participating in this Promotion, you agree to release, discharge, indemnify, and hold harmless, M1, its affiliates, related third parties, retailers, and advertising and promotion agencies, and all of their respective officers, directors, members, managers, partners, and employees from any liability or damages that may arise out of participation in this Promotion or out of acceptance, use, misuse or possession of the cash deposit attained through this promotion. All applicable federal, state, and local laws and regulations apply.

Taxes related to M1 promotional offers are your responsibility. All promotional items and cash received during the calendar year will be included on your consolidated Form 1099. You are encouraged to consult a legal or tax advisor for the most recent changes to the U.S. tax code and for rollover eligibility rules.

Your Personal Information: Personal information collected in connection with this offer will be used in accordance with M1’s Privacy Policy.

The Promotion Period expires at 11:59pm ET on January 31, 2025. M1 is the sole timekeeper of this Promotion.