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SOFI INVEST:

SoFi Invest is a trade name used by SoFi Wealth LLC and SoFi Securities LLC offering investment products and services. Robo investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser. Brokerage and self-directed investing products offered through SoFi Securities LLC, Member FINRA/SIPC.

For disclosures on SoFi Invest platforms visit SoFi.com/legal. For a full listing of the fees associated with Sofi Invest please view our fee schedule.

Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.

Exchange Traded Funds (ETFs) may have their own management fees paid directly by the fund. Please consider these fees and objectives in the fund’s prospectus before investing.

Investing in IPOs comes with risk, including the risk of loss. Please visit https://www.sofi.com/iporisk/. Offered via SoFi Securities LLC, Member FINRA/SIPC.

Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org) /SIPC(www.sipc.org).

Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options.

SoFi Plus Exclusive Limited-Time 2% Match on NEW IRA Contributions: Terms and conditions apply. SoFi Plus members are eligible to receive a 2% cash match on eligible new contributions made to a SoFi Traditional or Roth IRA up to the annual IRS limit during the limited-time promotional period (1/15/2026 – 4/15/2026). Eligible contributions must be made via ACH transfer or cash transfer from a SoFi Bank account. To keep the match, the contribution amount and the 2% match must remain in the IRA account for a minimum of five (5) years. Rollovers and transfers from other brokerage accounts are not eligible. The value of the reward may be considered taxable income. Click here for the 1% Match terms and conditions.

1% Invest Match: Must be an active SoFi Plus member at the time a recurring deposit is received into your SoFi Invest account to qualify. The match is calculated on each settled recurring deposit made via ACH and paid out in cash within five (5) business days. SoFi reserves the right to change or terminate this promotion at any time without notice. For complete eligibility and terms, please see the SoFi Plus terms.

Appointments with financial planners: SoFi Plus members can schedule an unlimited number of appointments with a financial planner. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

SoFi members who do not meet the SoFi Plus eligibility criteria can schedule one (1) thirty-minute appointment with a financial planner

Members can only schedule an unlimited number of appointments with a financial planner during periods in which the member meets the SoFi Plus eligibility criteria. The ability to schedule appointments is subject to financial planner availability. SoFi reserves the right to change or terminate this benefit at any time with or without notice. Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.

SOFI PLUS:

SoFi Plus: SoFi Plus is a premium membership that gives members access to our best rewards, benefits, and more when they pay the SoFi Plus Subscription Fee. Between 12/9/25–3/30/26, members with Eligible Direct Deposit or Qualifying Deposits will receive complimentary access to SoFi Plus. Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of SoFi Plus apply. To learn more about SoFi Plus and available benefits and terms, please see the SoFi Plus page.

$10 subscription fee: Subscribers are billed every 30 calendar days based on the initial date of subscription.

$1,000 Value of SoFi Plus membership: The value of a SoFi Plus membership varies depending on benefits used, and there is no guarantee you will reach or receive any specific value. $1,000+ estimated value is based on (i) the average activity of existing SoFi Plus members for the following benefits over a 12-month period and (ii) publicly available Urban Institute’s American Affordability Tracker data regarding average annual grocery spending used to estimate potential Smart Card cash back rewards: an estimated $600 in annual cash back rewards at grocery stores with SoFi Smart Card (estimated earnings based on 5% cash back rewards on grocery store purchases and the average monthly grocery spend for a family of four, as reported in the Urban Institute’s American Affordability Tracker, released October 2025. Actual rewards earned will vary based on household size, grocery spending, and card usage), an average of $17,000 deposited in a SoFi savings account with a 3.60% APY at the start of the 12-month period, $21,500 average annual spend on the SoFi Unlimited 2% Credit Card (with a 10% boost on cash-back rewards), and one additional 30-minute session (beyond the basic member benefit) with a certified financial planner, with an assumed value of $300. Other Plus benefits are available beyond those stated above. SoFi Credit Card cash back rewards are earned in the form of rewards points, and rewards points redeem at a rate of 1 cent per point. SoFi Plus members must be approved for a SoFi Credit Card or SoFi Smart Card in order to receive the corresponding benefits. Savings and spend assumptions are based on average activity from existing SoFi Plus members between the period of 10/1/2024 – 9/30/2025. Terms apply.

Smart Card: The SoFi Smart Card is a charge card issued by SoFi Bank, N.A., Member FDIC, that is secured by your SoFi Checking and Savings account. The Smart Card is exclusively available to individual SoFi Checking and Savings accountholders who pay for SoFi Plus membership and is subject to application and approval. To qualify for the Smart Card, you must meet SoFi’s eligibility requirements, including verification of sufficient income to support your ability to pay for Smart Card balances. We will not extend credit if you do not meet our pre-established criteria. Your eligibility for a SoFi Smart Card, or a subsequently offered product or service, is subject to the final determination by SoFi Bank, N.A., as issuer, pursuant to license by Mastercard® International Incorporated. The SoFi Smart Card can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND ELIGIBILITY. See full terms and conditions at SoFi.com/SoFi-Plus/smart-card.

5% cash back rewards at grocery stores: Earn 5% cash back rewards on eligible grocery store purchases with the SoFi Smart Card. Cash back rewards are issued in the form of SoFi Member Rewards points. Members earn 5 points for every dollar spent on eligible grocery store purchases. SoFi, in its sole discretion, determines grocery store eligibility. Superstores like Walmart and Target, warehouse clubs like Costco and Sam’s Club, convenience stores, grocery delivery services, and meal-kit delivery services are not considered grocery stores. This benefit is subject to continued paid SoFi Plus subscription. All terms and conditions applicable to the use of SoFi Member Rewards apply. To learn more about SoFi Member Rewards, please see the SoFi Member Rewards page. No rewards points will be earned with respect to reversed transactions, returned purchases, cash advances, or other similar transactions.

Exclusive live event access: SoFi Plus members or guests of SoFi Plus members are eligible to attend SoFi Member In-Person Experiences (a “Member Experience”). For complete SoFi Plus eligibility, please see the SoFi Plus terms.

By signing up for a Member Experience, you acknowledge that SoFi may record or photograph the Member Experience (including you, your likeness and voice) and may use such recordings or photographs publicly or privately in any form of media, including for commercial purposes. By attending a Member Experience, you consent to the recording and photographing of such Member Experience and grant SoFi an unrestricted, perpetual, non-excluding, and sublicensable license, to take, use, display, perform, distribute or exploit for any lawful and commercial purpose any recordings or photographs. By attending a Member Experience, you also agree that you will make no monetary or other claim against SoFi for the use of the recordings or photographs. If you do not agree, please do not claim a ticket and do not attend the event. We believe our community should be truly open for everyone. As such, we are committing to providing a friendly, safe, and welcoming environment for all regardless of gender, sexual orientation, disability, race, ethnicity, national origin, age, or religion. View the SoFi Experiences Code of Conduct.

SoFi Plus loan rate discounts:

Personal loan rate discount: SoFi Plus members are eligible for an interest rate reduction of 0.25% on a Personal Loan. To be eligible for the discount, you must meet the SoFi Plus eligibility criteria within 31 days of the funding of your loan. For complete SoFi Plus eligibility, please see the SoFi Plus terms. When you enroll in SoFi Plus, the discount will lower the interest rate that applies to your loan only during periods in which you are enrolled in SoFi Plus. The discount will be removed during periods in which SoFi determines you are not enrolled in SoFi Plus. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to change or terminate this offer for unenrolled participants at any time. You are not required to enroll in SoFi Plus to be eligible for Loan approval.

Student loan refinancing rate discount: SoFi Plus members are eligible for an interest rate reduction of 0.125% on a Student Loan Refi nancing. To be eligible for the discount, you must meet the SoFi Plus eligibility criteria within 31 days of the funding of your loan. For complete SoFi Plus eligibility, please see the SoFi Plus terms. When you enroll in SoFi Plus, the discount will lower the interest rate that applies to your loan only during periods in which you are enrolled in SoFi Plus. The discount will be removed during periods in which SoFi determines you are not enrolled in SoFi Plus. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to change or terminate this off er for unenrolled participants at any time. You are not required to enroll in SoFi Plus to be eligible for Loan approval.

Parent private student loan rate discount: SoFi Plus members are eligible for an interest rate reduction of 0.125% on a Private Parent Student Loan. To be eligible for the dscount, you must meet the SoFi Plus eligibility criteria within 31 days of the funding of your loan. For complete SoFi Plus eligibility, please see the SoFi Plus terms. When you enroll in SoFi Plus, the discount will lower the interest rate that applies to your loan only during periods in which you are enrolled in SoFi Plus. The discount will be removed during periods in which SoFi determines you are not enrolled in SoFi Plus. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to change or terminate this offer for unenrolled participants at any time. You are not required to enroll in SoFi Plus to be eligible for Loan approval.

Home purchase or refinance mortgage discount: SoFi members are eligible for a one-time standard discount of $500 off the standard $1,495 origination fee for a SoFi Bank home purchase or refinance mortgage. SoFi Plus members are eligible for an additional one-time discount of $500 off the standard origination fee for a home purchase or refinance mortgage.

Home equity loan discount: SoFi members are eligible for a one-time standard discount on loans originated by SoFi Bank of $200 off the $1,295 origination fee for home equity loan. SoFi Plus members are eligible for an additional one-time discount of $200 off the origination fee for home equity loan. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

To be eligible for the standard SoFi member discount, you must be a registered SoFi member at the time the home loan application is approved (indicated as “final approval”), and the applicant must have a current or prior SoFi Personal Loan, Student Loan, SoFi Money, or SoFi Checking and Savings account with an account balance greater than $0, or be a SoFi Invest account holder with a balance greater than $10,000. SoFi may change or terminate this discount at any time.

The SoFi member and SoFi Plus Discounts described above are not available on loans where no origination fee is assessed, including all home loans in Texas and VA loans. And, the discounts are not available to any person who previously had a loan of the same type. Consult your tax advisor to determine if the discounts have any tax consequences.

SOFI PERSONAL LOANS:

SoFi Personal Loans: Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi’s underwriting requirements. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. Additional terms and conditions may apply. Lowest rates reserved for the most creditworthy borrowers. The average of SoFi Personal Loans funded in 2024 was around $33K. Information current as of 1/9/26. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details.

Same-Day Personal Loan Funding: Same Day Funding means that most borrowers receive funds the same day when loan is approved and the loan agreement is signed by 5:30 PM ET on a business day. SoFi does not guarantee this, and delays may occur outside of our control, such as if inaccurate information is submitted, the receiving bank declines the transfer. Your bank may have rules on when the funds become available. Does not include personal loans originated with a SoFi partner bank.

SOFI HOME EQUITY LOANS:

Home equity loans: SoFi Bank, N.A. NMLS #696891 (Member FDIC), offers loans directly or we may assist you in obtaining a loan from Spring EQ, a state licensed lender, NMLS #1464945.

All loan terms, fees, and rates may vary based upon your individual financial and personal circumstances and state.

You should consider and discuss with your loan officer whether a Cash Out Refinance, Home Equity Loan or a Home Equity Line of Credit is appropriate. Please note that the SoFi member discount does not apply to Home Equity Loans or Lines of Credit not originated by SoFi Bank. Terms and conditions will apply.

Before you apply, please note that not all products are offered in all states, and all loans are subject to eligibility restrictions and limitations, including requirements related to loan applicant’s credit, income, property, and a minimum loan amount. Lowest rates are reserved for the most creditworthy borrowers. Products, rates, benefits, terms, and conditions are subject to change without notice. Learn more at SoFi.com/eligibility-criteria. Information current as of 1/9/26.

In the event SoFi serves as broker to Spring EQ for your loan, SoFi will be paid a fee.

No origination fee options: No origination fee is available for borrowers who are eligible and obtain a SoFi Bank home equity loan and opt to pay a higher interest rate. Other closing costs are still applicable. This offer may be changed at any time.

No in-home appraisal for most: Between December 23, 2024 to May 23, 2025, approximately 81% of SoFi Home Equity Loans did not require a traditional in-person appraisal.

SOFI STUDENT LOAN REFINANCING:

SoFi Student Loan Refinancing: Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY TERMS AND DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME. To qualify for refinancing, you must fulfill all SoFi eligibility requirements. SoFi only refinances student loans totaling at least $5,000 that you used to fund tuition at an eligible Title IV accredited school where you were enrolled at least 50% time. Loans currently being used to fund education for actively enrolled students are not eligible for refinancing. For more detail, see SoFi.com/eligibility. Lowest rates reserved for the most creditworthy borrowers. You may pay more interest over the life of the loan if you refinance.

Notice: SoFi Refinance Student Loans are private loans. When you refinance federal loans with a SoFi loan, YOU FORFEIT YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers including, but not limited to: Public Service Loan Forgiveness (PSLF), Income-Based Repayment, Income-Contingent Repayment, extended repayment plans, PAYE or SAVE. Information current as of 1/9/26 and subject to change. SoFi Refinance Student Loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).