CRYPTOCURRENCY AND OTHER DIGITAL ASSETS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

Cryptocurrency and other digital assets are highly speculative, involve significant risk, and may result in the complete loss of value. Cryptocurrency and other digital assets are not deposits, are not insured by the FDIC or SIPC, are not bank guaranteed, and may lose value.

All cryptocurrency transactions, once submitted to the blockchain, are final and irreversible. SoFi is not responsible for any failure or delay in processing a transaction resulting from factors beyond its reasonable control, including blockchain network congestion, protocol or network operations, or incorrect address information. Availability of specific digital assets, features, and services is subject to change and may be limited by applicable law and regulation.

SoFi Crypto products and services are offered by SoFi Bank, N.A., a national bank regulated by the Office of the Comptroller of the Currency. SoFi Bank does not provide investment, tax, or legal advice. Please refer to the SoFi Crypto account agreement for additional terms and conditions.

¹

¹The following terms and conditions govern your participation in the SoFi Crypto $100K BTC Weekly Giveaway Promotion during the Promotion Period (as defined below).

PROMOTION PERIOD:

February 16, 2026 at 12:00 a.m. E.T. – March 31, 2026 at 11:59 p.m. E.T.

The calculation and prize pool will reset and restart weekly during this period, every Monday at 12:00AM ET

ELIGIBILITY:

This Promotion is open to New SoFi Crypto Members Only. New SoFi Crypto members are defined as

1. An individual who has not previously opened and/or has an existing SoFi Crypto account.

2. A legal resident of the 50 United States (and the District of Columbia), who is at least 18 years of age and who has not previously opened a SoFi Crypto account.

Employees of Social Finance, LLC and its affiliates are not eligible.

QUALIFYING ACTIONS:

To qualify for an equal share of the weekly prize pool, an Eligible Participant must:

1. Successfully open a new SoFi Crypto account during a designated Weekly Prize Period.

2. Ensure the account is fully approved and in good standing.

WEEKLY PRIZE PERIOD:

The calculation and prize pool will restart weekly.

Each “Weekly Prize Period” begins at 12:00 a.m. E.T. on the Start Date and ends at 11:59 p.m. E.T. on the End Date.

Weekly Prize Period	Start Date	End Date
Week 1	February 16, 2026	February 22, 2026
Week 2	February 23, 2026	March 1, 2026
Week 3	March 2, 2026	March 8, 2026
Week 4	March 9, 2026	March 15, 2026
Week 5	March 16, 2026	March 22, 2026
Week 6	March 23, 2026	March 31, 2026*

*Note: Week 6 is an extended period to encompass the final days of the promotion through March 31st.

PAYOUT CALCULATION:

For each weekly Prize Period, SoFi will award a total promotional bonus of $100,000, payable in Bitcoin (BTC), to be split equally among all eligible participants who successfully opened a SoFi Crypto account during that Weekly Prize Period.

1.   Calculation -The payout per member is calculated by dividing $100,000 by the total number of New SoFi Crypto Members who successfully opened an account during the applicable Weekly Prize Period. 

2.  Market Price – The per-participant bonus amount will be converted into Bitcoin (BTC) based on the market price of Bitcoin (BTC) at 12:00 AM ET on the Monday immediately following each applicable Weekly Prize Period. 

3.  Payout Method – Bonuses will be paid in Bitcoin (BTC) and credited directly to the Participant’s SoFi Crypto account. 

4.  Payout Timing – Bitcoin (BTC) bonus payout will be credited to the Participant’s account within 10-15 business days following the close of the applicable Weekly Prize Period.

ADDITIONAL IMPORTANT TERMS:

Participation constitutes acceptance of these Official Rules.

•  Bitcoin is a volatile asset. The USD value of any BTC awards are subject to market risk, may fluctuate significantly before and after the promotional bonus is credited, and may lose value. SoFi makes no representations or guarantees regarding the future value of any BTC awarded.

•  BTC rewards are subject to market risk and may lose value.

•  Bonuses are considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC.

•  Promotion is non-transferable and limited to one per account.

•  SoFi reserves the right to exclude any members from participating in this Promotion for any reason, such as suspected fraud, misuse, or suspicious activity.

•  SoFi reserves the right to modify, suspend, or terminate this promotion at any time without notice.

²ELIGIBILITY:
This Promotion is open and available to SoFi members who are legal residents of the fifty (50) United States and the District of Columbia and are at least eighteen (18) years of age or older as of time of promotion period. Open to SoFi members who are legal residents of the 50 U.S. states/DC, 18+, with active SoFi Plus, Checking/Savings, and Crypto accounts. SoFi Plus status must be active at the time of an eligible crypto buy to qualify for the 1% match.

PROMOTION TIMING & PHASES:
The Promotion runs from January 15, 2026, through December 31, 2026, and is divided into two phases. To be eligible for this Promotion, you must participate in the Offer Phase and maintain the digital assets through the Holding Phase.
  1. Offer Phase (Buying Window): Jan 15, 2026 (9:00 AM ET)-March 30, 2026 (11:59 PM ET).
  2. Holding Phase (Holding Window): March 31, 2026 (12:00 AM ET)-December 31, 2026 (11:59 PM ET).

HOW IT WORKS:

SoFi Plus members can earn a 1% Match on “Net Funded Crypto Buys” made through SoFi Bank, N.A., capped at a total buy volume of $250,000.

•  Funding: Eligible crypto buys must be funded directly from your SoFi Checking & Savings.

•  Incoming crypto transfers do not qualify.

•   Calculation: The 1% Match is based on the total USD value of eligible crypto buys made during the Offer Phase, MINUS the value of any cash or digital asset withdrawals from your SoFi Crypto accountant any time before Dec 31, 2026.

•  Selling digital assets does not reduce your match amount provided the proceeds remain in your SoFi Crypto account or are used to buy other digital assets.

1% MATCH CALCULATION EXAMPLES

•  Standard Buy and Hold
A SoFi Plus Member executes $1,000 worth of crypto buys during Offer Phase and holds the digital assets on platform through Dec 31, 2026.
1% Match: $10 in stablecoin.

•  Cash/Digital Asset Withdrawal
A SoFi Plus Member executes $1,000 worth of crypto buys during Offer Phase and withdraws $500 (cash or digital asset withdrawal) before Dec 31, 2026.
1% Match: $5 in stablecoin – 1% of the remaining $500 net funded amount

•  Trading/Rebalancing Portfolio
A SoFi Plus Member executes a $1,000 BTC crypto buy. Later, sells $500 of BTC to buy ETH. No withdrawals made and holds digital assets on platform through Dec 31, 2026.
1% Match: $10 in stablecoin – 1% Match based on original net funding for crypto buys

•  Market Value Changes
A SoFi Plus Member executes $1,000 worth of crypto buys. Market drops portfolio value to $800. No withdrawals made and digital assets held on platform through Dec 31 2026.
1% Match: $10 in stablecoin – Market performance does not affect 1% match payout.

•  PAYOUT METHOD & TIMING:
The 1% Match payout will be paid in a one-time bonus, in stablecoin, credited to the member’s SoFi Crypto account. The stablecoin used for the match payout will be determined by SoFi at its discretion. The member must maintain an active SoFi Crypto account to receive the payout. Payments will begin at the conclusion of the promotion period on or around January 2027.

ADDITIONAL IMPORTANT TERMS:

•  The SoFi Plus 1% Crypto Match Promo may be combined with other SoFi Crypto promos.

•  Promotion is non-transferable and limited to one per account.

•  SoFi reserves the right to exclude any members from participating in this Promotion for any reason, such as suspected fraud, misuse, or suspicious activity.

•  If SoFi suspects that there may have been fraudulent activity and/or a violation of these Terms & Conditions in connection with the Offer, or a violation of the customer agreement, SoFi reserves the right to either decline to grant the Match, or to rescind the Offer. SoFi reserves the right to liquidate any digital assets to make up for any shortfall.

•  SoFi also reserves the right to modify, suspend, or terminate the Promotion at any time without notice.