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.

Crypto and other digital assets are not bank deposits, involve risk and are not insured by FDIC or SIPC, and may lose value unless otherwise stated. Blockchain transactions are generally final and irreversible once submitted.

Please refer to the SoFi Crypto Account Agreement for additional terms and conditions.

SOFID STABLECOIN IS NOT FDIC INSURED • IS NOT BANK GUARANTEED • MAY LOSE VALUE

SOFID (SOFIUSD) is a payment stablecoin designed to maintain a stable value relative to the U.S. dollar and made available through SoFi Bank, N.A., a U.S. national bank regulated by the Office of the Comptroller of the Currency.

SOFID is not a deposit, is not insured by FDIC or SIPC, and is not legal tender. SOFID is intended to be redeemable 1:1 for US dollars, with reserves consisting primarily of cash. However, holding or transacting in SOFID involves risks and may be subject to delays, disruptions, or permanent loss.

SOFID may be used for digital payment transactions on supported blockchain networks, including certain 24/7 transfer functionality. Blockchain transactions are generally final and irreversible.

Please review the SOFID Terms of Use and SOFID Risk Disclosure carefully before acquiring or using SOFID.

Apple Pay™ is a trademark of Apple Inc. Google Pay™ is a trademark of Google LLC. Apple Inc. and Google LLC are not affiliated with, and do not sponsor or endorse, this offering or service. Availability of Apple Pay and Google Pay may vary by device, operating system, and eligibility requirements.

SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.

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SoFi Crypto Referral Program

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.

Crypto and other digital assets are not bank deposits, involve risk and are not insured by FDIC or SIPC, and may lose value unless otherwise stated. Blockchain transactions are generally final and irreversible once submitted.

Please refer to the SoFi Crypto Account Agreement for additional terms and conditions.

The following terms and conditions govern your participation in the SoFi Crypto Referral Program (“Crypto Referral Program”) during the Promotion Period (as defined below).

PROMOTION PERIOD: September 9, 2026 at 12:00 a.m. E.T. - June 30, 2027 at 11:59 p.m. E.T.

TERMS AND CONDITIONS:

This is a limited-time offer from SoFi with limited availability, and is subject to expire at any time. See SoFi Referral Program Official Rules and full Crypto Referral Program terms at: https://www.sofi.com/referral-program/.

ELIGIBLE CRYPTO REFERRER REQUIREMENTS: To be eligible for a referral bonus under this Promotion, a referrer (an "Eligible Crypto Referrer") must:

1. Share their unique referral link during the Promotion Period to the eligible recipient.
2. Have an existing SoFi Crypto account in good standing at the time of their referral bonus payment.

ELIGIBLE CRYPTO RECIPIENT REQUIREMENTS: To be eligible for the bonus, an eligible recipient must:

1. Apply and successfully open a SoFi Crypto account prior to the end of the Promotion Period by clicking the referral link from their friend (individuals who have previously applied for but did not successfully open or enroll in another SoFi product remain eligible)
2. Make a single qualifying crypto purchase of at least $25 within 30 days of enrollment.

For existing SoFi members, enrollment occurs when they log in using a unique referral link. For new SoFi members, enrollment occurs when the eligible recipient opens a new SoFi Crypto account through a unique referral link.

A qualifying crypto purchase means a successful SoFi Crypto purchase transaction to buy Supported Digital Assets, EXCEPT for stablecoin, tokenized deposit, or other cash-equivalent purchases.A qualifying crypto purchase can be funded from your choice of available funding sources. Third-party fees may apply and will be shown before you confirm. Funding from SoFi Checking & Savings does not incur processing fees. See the Crypto Fee Sheet for more information.

REFERRAL BONUS

Once the crypto referrer and the eligible crypto recipient have met all eligibility requirements all required, SoFi will credit each party a bonus with the amount determined as follows:

• Eligible Crypto Referrer Bonus - The eligible crypto referrer will receive a referral bonus of $50 in SOFID credited into their SoFi Crypto Account.
• Eligible Crypto Recipient Bonus - The eligible recipient will receive a one-time bonus of $25 in SOFID credited into their SoFi Crypto Account.

SOFID

SOFID is a U.S. dollar stablecoin issued by SoFi Bank, N.A., a nationally chartered U.S. bank. It is designed to enable 24/7 settlement and programmable dollar movement while operating within the U.S. banking regulatory framework.

Each SOFID is redeemable 1:1 for a U.S. dollar, with reserves held in high-quality, highly-liquid cash or cash equivalents in accordance with applicable law and the SOFID Terms of Use.

BONUS PAYMENT TIMING

Bonus payments will be credited to the referrer and the referred member's respective SoFi Crypto account within seven (7) business days following confirmation by SoFi that all required activities have been completed by the referrer and referred member.

Eligible Crypto Referrers will not earn a referral bonus if the eligible recipient has previously opened a SoFi Crypto Account or does not use the unique referral link provided by the referrer to open a SoFi Crypto account during the Promotion Period.

If the eligible crypto recipient does not successfully complete SoFi Crypto account opening and onboarding, or if the referred member's SoFi Crypto Account is not successfully opened or is restricted, suspended, closed, or otherwise not in good standing at the time the bonus award would otherwise be credited, then no bonus award will be granted.

Additional Terms

An Eligible Crypto Recipient may receive referral bonuses only once when opening their first SoFi Crypto account. After opening their account, they may then participate as an Eligible Crypto Referrer and earn referral bonuses for their qualifying referrals, subject to the terms of the Crypto Referral Program.

In no event will any Eligible Referrer be entitled to receive more than $10,000 in cumulative referral or direct deposit bonuses under all available SoFi referral programs within any calendar year.

Bonuses are considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). SoFi is required to do this reporting in compliance with applicable federal and state reporting requirements. Recipients are responsible for any applicable federal, state, or local taxes associated with receiving a bonus; consult with your tax advisor to determine applicable tax consequences. SoFi reserves the right to exclude any Member from participating in the Program for any reason, including suspected fraud, misuse, or suspicious activity.

OTHER IMPORTANT DETAILS

• This offer can be combined with other SoFi Crypto promotions
• SoFi reserves the right to disqualify any participant from the referral program at its sole discretion, including but not limited to cases of actual or suspected fraud, abuse, gaming of the program, or conduct inconsistent with the spirit or intent of these terms.
• SoFi further reserves the right to verify eligibility, withhold or revoke any bonus, or modify, suspend, or terminate this offer or the referral program at any time without notice.

SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.

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