SOFI CRYPTO DIGITAL ASSET AWARD CLAW PROMOTION

OFFICIAL RULES

Last Updated: April 3rd, 2026

Participating in the SoFi Crypto Digital Asset Award Promotion (“Promotion”) constitutes your acceptance of these Official Rules. By participating in the Promotion, you represent and warrant you meet the eligibility requirements stated herein and acknowledge that failure to meet all eligibility requirements will result in disqualification. SoFi reserves the right to modify or terminate this Promotion at any time.

This Promotion is not sponsored, endorsed or administered by Apple® or Google®.

Offer: Get up to $1000 in USDC or other digital asset award when opening a new SoFi Crypto Account and completing the required onboarding steps. See detailed eligibility below. No purchase of digital assets is required to participate.

Eligibility: Up to $1,000 in USDC or other digital asset award is available to Participants who (i) successfully register for a new SoFi Crypto Account and complete all required onboarding steps and (ii) within thirty (30) days of such account opening, utilize the one-time electronic claw “grab” (as defined below) (each, a “Participant”).

Eligibility for this Promotion is also subject to the SoFi Crypto Account Agreement and any other eligibility requirements applicable to opening and maintaining a SoFi Crypto Account. Among other requirements, to open a SoFi Crypto Account, you must be a United States citizen, permanent resident, or other lawful resident of one of the fifty (50) states or the District of Columbia; be at least 18 years of age; have a valid Social Security number or Individual Taxpayer Identification Number; and have a physical residential street address in the United States (no P.O. Boxes).

This Promotion is available only in jurisdictions where SoFi Crypto Accounts are lawfully offered by SoFi Bank, N.A., and is subject to product availability, account approval, and any other applicable eligibility requirements or restrictions.

Existing SoFi Crypto account holders are not eligible for this Promotion.

Employees of SoFi Bank, N.A. (“SoFi” or “Sponsor”) and its subsidiaries, affiliates, advertising, public relations and promotion agencies, or any company or individual involved with the development or execution of the Promotion (collectively, the “Promotion Entities”), and their immediate family members and individuals living in the same household with any Promotion Entities, whether related or not, are not eligible to participate. The Promotion is subject to all applicable U.S. federal, state and local laws and regulations, and shall be governed by and interpreted under the laws of the State of New York, without regard to its conflicts of laws principles. Void where prohibited by law.

Offer Period: The Offer Period for the Promotion is from April 3rd, 2026 onwards. SoFi may change this date or end the Offer at any time without notice.

How to Enter: Download the free SoFi App or visit SoFi.com and follow the onscreen instructions to open a SoFi Crypto Account and participate in the Promotion. Upon beginning the SoFi Crypto account opening process, Participants will have the opportunity to enter the Promotion by engaging an electronic claw to “grab” a promotion piece during account opening. Once “grabbed,” the Participant’s screen will display a dollar award amount from the possible award amounts identified in the section below.

The award will be satisfied by crediting to the Participant’s SoFi Crypto Account the displayed dollar value of USDC or such other supported digital asset as determined by Sponsor in its sole discretion (the “Award”), within ten (10) business days after the Participant has satisfied all Promotion eligibility requirements. If the Award is satisfied in a digital asset other than a stablecoin, the quantity credited will be based on the applicable market price at the time of fulfillment, as determined by Sponsor or its service provider. A Participant’s receipt of an Award is subject to that Participant’s eligibility and verification by Sponsor and/or its agent. A screenshot is not proof or evidence of winning an Award. Limit: one (1) claw “grab” per Participant.

If the Participant does not successfully complete SoFi Crypto account opening and onboarding, or if the Participant’s SoFi Crypto Account is not successfully opened or is restricted, suspended, closed, or otherwise not in good standing at the time the Award would otherwise be credited, then no Award will be granted.

Rewards are randomly assigned in amounts of $5, $10, $25, $100, or $1000. Higher-value rewards are less likely; most recipients receive $5 in digital asset award. Odds vary based on eligible participants and reward allocation.

Each Participant has only one opportunity to participate in the Promotion and only the Award identified shall be credited to the Participant’s SoFi Crypto Account. All subsequent Participants will have the same opportunity and odds of selecting the Awards identified above. Participants will never compete against each other and one Participant’s award will not affect another Participant’s chances of selecting the same award amount. Not all award amounts will be selected and awarded.

Once rewards have been credited to a SoFi Crypto Account, they are subject to market risk and may lose value. Digital assets, including stablecoins, involve risk and may fluctuate in value. Stablecoins may not maintain a stable value at all times, and other digital assets may be highly volatile. To learn more about SoFi Crypto Accounts, please visit SoFi.com.

No substitution or transfer of any Award to a third party is permitted and awards cannot be redeemed for cash value, except by Sponsor, who reserves the right in its sole discretion to substitute an award of equal or greater value. If applicable, all taxes, fees, federal, state, local or other expenses relating to the use, acceptance and possession of any award are the sole responsibility of each winner.

Conditions on Claiming Award: Awards will only be granted to persons who successfully complete both eligibility conditions: (i) opening a SoFi Crypto account and satisfy all onboarding requirements and (ii) within thirty (30) days of account opening, utilizing their one-time electronic claw “grab.” Participants are responsible for notifying Sponsor of changes in their email addresses or mobile number(s). An IRS Form 1099-MISC will be filed with the IRS in the name of any Participant who selects and receives an Award valued at $600.00 or more.

Consent and Release: To the fullest extent possible by law, Participants themselves, and on behalf of their respective heirs, executors, administrators, legal representatives, successors and assigns (“Releasing Parties”), agree to release, defend and hold harmless the Promotion Entities from any and all actions, causes of action, suits, dues, agreements, promises, lost profits, indirect or direct damages, consequential damages, incidental damages, punitive or exemplary damages, judgments, extent, executions, claims and demands whatsoever, in law, admiralty or equity, whether known or unknown, foreseen or unforeseen, against Promotion Entities which any one or more of the Releasing Parties ever had, now have, or hereafter can, shall, or may have which in any way arise out of or result from Participant’s participation, acceptance and use or misuse of an award. Sponsor is not responsible for any mechanical or human error or failure or for any typographical or other error in the printing, operation or administration of the Promotion or in the display of any award. In the event Sponsor is prevented from continuing with the Promotion as contemplated herein by any event beyond its control, or otherwise, including but not limited to fire, flood, earthquake, explosion, labor dispute or strike, act of God or public enemy, satellite or equipment failure, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared), or any federal, state or local government law, order or regulation, or order of any court, or other cause, Sponsor shall have the right to modify or terminate the Promotion. Furthermore, the Sponsor reserves the right to terminate the Promotion if it becomes technically corrupted (including if a computer virus or system malfunction inalterably impairs its ability to conduct the Promotion) or for any other reason in its sole discretion. Participants assume all liability for any injury, including death or damage caused or claimed to be caused, by participation in this Promotion or use or redemption of an award.

Arbitration / Class Action Waiver: BY PARTICIPATING IN THIS PROMOTION, YOU ACKNOWLEDGE AND AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING IN ANY WAY TO THIS PROMOTION, THESE OFFICIAL RULES, OR THE AWARD SHALL BE RESOLVED ON AN INDIVIDUAL BASIS THROUGH FINAL AND BINDING ARBITRATION, RATHER THAN IN COURT, EXCEPT TO THE EXTENT SUCH DISPUTE IS EXPRESSLY EXCLUDED FROM ARBITRATION UNDER APPLICABLE LAW OR THE APPLICABLE TERMS GOVERNING YOUR SOFI CRYPTO ACCOUNT. ARBITRATION SHALL BE ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) IN ACCORDANCE WITH ITS APPLICABLE RULES. YOU AND SPONSOR EACH AGREE THAT ANY PROCEEDING WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, MASS, COLLECTIVE, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL ACTION. YOU AND SPONSOR EACH WAIVE ANY RIGHT TO A JURY TRIAL AND ANY RIGHT TO PARTICIPATE IN A CLASS ACTION OR CLASS-WIDE ARBITRATION.

TO THE EXTENT YOU HAVE AGREED TO AN ARBITRATION PROVISION IN CONNECTION WITH YOUR SOFI CRYPTO ACCOUNT, THAT ARBITRATION PROVISION IS INCORPORATED HEREIN BY REFERENCE AND SHALL GOVERN ANY DISPUTE RELATING TO THIS PROMOTION TO THE MAXIMUM EXTENT PERMITTED BY LAW. IF THERE IS A CONFLICT BETWEEN THESE OFFICIAL RULES AND THE APPLICABLE ARBITRATION PROVISION IN YOUR SOFI CRYPTO ACCOUNT AGREEMENT, THE ARBITRATION PROVISION IN THE SOFI CRYPTO ACCOUNT AGREEMENT SHALL CONTROL.

General: The Sponsor is not responsible for error, omission, interruption, deletion, defect, delay in operations or transmission, theft or destruction or unauthorized access to or alterations of the Promotion, or for technical, network, telephone equipment, electronic, computer, hardware or software malfunctions of any kind, or inaccurate transmission of or failure to access the App and Promotion by any Participant on account of technical problems or traffic congestion on the Internet or at any website or any combination thereof. Sponsor reserves the right at its sole discretion to disqualify any individual that tampers or attempts to tamper with the operation of the Promotion or violates these Official Rules. LEGAL WARNING: ANY ATTEMPT BY AN INDIVIDUAL, WHETHER OR NOT A PARTICIPANT, TO INTERFERE WITH THE OPERATION OF THE PROMOTION, IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES AND DILIGENTLY PURSUE ALL REMEDIES AGAINST ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW.

Privacy: Information provided by Participants in connection with opening a SoFi Crypto Account and participating in this Promotion is subject to Sponsor’s privacy policy located at www.sofi.com/privacy-policy.

Sponsor: SoFi Bank, N.A., 2750 East Cottonwood Parkway #300, Cottonwood Heights, Utah 84121.

THE SPONSOR’S DECISIONS ARE FINAL AND BINDING IN ALL MATTERS RELATED TO THE PROMOTION.

THIS PROMOTION IS NOT SPONSORED, ENDORSED, ADMINISTERED BY, OR ASSOCIATED WITH APPLE®, GOOGLE®, META (FACEBOOK/INSTAGRAM), LINKEDIN, OR X (TWITTER). BY PARTICIPATING, YOU AGREE TO RELEASE THESE PLATFORMS FROM ALL CLAIMS AND LIABILITY RELATED TO THIS PROMOTION.