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.

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SoFi cryptocurrency products and services will be offered by SoFi Bank, N.A., subject to applicable regulatory approvals. Participation is subject to the promotion's terms and conditions and does not constitute an offer or guarantee of access to cryptocurrency-related products or services. Cryptocurrency and other digital assets are highly speculative and involve significant risk, including the potential for complete loss of value. These assets are not insured by the FDIC or SIPC and do not carry any bank guarantee.

PROMOTION PERIOD This Promotion is from January 8, 2026, to February 7, 2026, at 11:59 PM ET.

ELIGIBILITY New SoFi Crypto accounts opened during the promotion period are eligible for the $10 New Account Promo.

QUALIFYING ACTIONS You must open and/or have an existing SoFi Checking and Savings account in order to fund your SoFi Crypto Account to trade crypto. To receive the promotion bonus, you must complete ALL of the qualifying actions by February 7, 2026:

1. Open a new SoFi Crypto Account.

2. Fund your SoFi Crypto Account with a SoFi Checkings and Savings Account

3. Make a single qualifying crypto buy transaction of at least $10.

PAYOUT METHOD Eligible participants will receive a $10 payout bonus in stablecoin credited to their SoFi Crypto Account. The stablecoin used for the payout will be determined by SoFi at its discretion.

PAYOUT TIMING

Bonus payments will be paid out within 2 weeks following the conclusion of the promotion.

ADDITIONAL IMPORTANT TERMS

•   The SoFi Crypto $10 New Account 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.

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

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