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We are pleased to announce that we plan to introduce margin borrowing by the end of September 2019 to users of the Folio Investing website, with margin interest rates at least 2% (two full percentage points) better than Charles Schwab's and TD Ameritrade's currently published rates.

We plan to enable margin borrowing for users of the Folio First website before the end of this year. If you would like to take advantage of this sooner, you can open a Folio Investing brokerage account at www.folioinvesting.com , and select from the available pricing plans.

We are also making changes to the cash interest rate formula in our Customer Agreement that will be effective on September 30, 2019.

Website Maintenance and System Update

We will conduct routine system maintenance from 11:00 to 11:30 p.m. ET on Saturday, September 21st.

Site access may be limited during this time. We appreciate your understanding and patience while we make these updates to enhance our website.