SoFi Checking and Savings is offered through SoFi Bank, N.A.. The SoFi Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. ©2023 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender.

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SoFi members with direct deposit activity can earn 4.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a deposit to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate.

SoFi members with Qualifying Deposits can earn 4.60% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder’s SoFi Checking and Savings account (“Qualifying Deposits”) during a 30-day Evaluation Period (as defined below). Qualifying Deposits only include those deposits from the following eligible sources: (i) ACH transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.e., external transfers from PayPal, Venmo, etc. and internal peer-to-peer transfers from a SoFi account belonging to another account holder), (iv) check deposits, (v) instant funding to your SoFi Bank Debit Card, (vi) push payments to your SoFi Bank Debit Card, and (vii) cash deposits. Qualifying Deposits do not include: (i) transfers between an account holder’s Checking account, Savings account, and/or Vaults; (ii) interest payments; (iii) bonuses issued by SoFi Bank or its affiliates; or (iv) credits, reversals, and refunds from SoFi Bank, N.A. (“SoFi Bank”) or from a merchant.

SoFi Bank shall, in its sole discretion, assess each account holder’s Direct Deposit activity and Qualifying Deposits throughout each 30-Day Evaluation Period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit or $5,000 in Qualifying Deposits to your account, you will begin earning 4.60% APY on savings balances (including Vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these APYs for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity or $5,000 in Qualifying Deposits without interruption.

SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity or Qualifying Deposits activity before adjusting rates. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Direct Deposit activity or $5,000 in Qualifying Deposits during the current 30-day Evaluation Period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either Direct Deposit or Qualifying Deposits until you have Direct Deposit activity or $5,000 in Qualifying Deposits in a subsequent 30-Day Evaluation Period. For the avoidance of doubt, an account holder with both Direct Deposit activity and Qualifying Deposits will earn the rates earned by account holders with Direct Deposit.

Members without either Direct Deposit activity or Qualifying Deposits, as determined by SoFi Bank, during a 30-Day Evaluation Period and, if applicable, the grace period, will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances.

Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.

^‡Early access to direct deposit funds is based on the timing in which we receive notice of impending payment, which is typically up to two days before the scheduled payment date.

^{^}Our account fee policy is subject to change at any time.

^††10x based on FDIC monthly interest savings rate as of October 24, 2023.

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The following describes the terms that apply to participation in the SoFi Checking and Savings direct deposit promotion (the “Direct Deposit Promotion”) offered by SoFi Bank, N.A, Member FDIC (“SoFi”).

Eligible Participants: All new and existing members without any history of direct deposit transactions into their SoFi Checking and Savings account are eligible for the Direct Deposit Promotion. Members who previously enrolled in direct deposit into either SoFi Money or SoFi Checking and Savings, whether currently still enrolled or not, do not qualify for this Direct Deposit Promotion. Bonuses are limited to one per SoFi Checking and Savings account. In the case of a joint account, only the primary account holder (the member who signed up first) is eligible for a bonus.

Promotion Period: The Direct Deposit Promotion will begin on 01/01/2023 at 00:01AM ET and end on 12/31/23 at 11:59PM ET.

Bonus Terms: In order to qualify for eligibility for a bonus, SoFi must receive at least one Direct Deposit (as defined below) from an Eligible Participant before the end of the Promotion Period. Direct Deposits are defined as deposits of $1,000.00 or greater from an enrolled member’s employer, payroll, benefits provider, or government agency via ACH deposit. Deposits that are not from an employer, payroll, benefits provider, or government agency (such as check deposits; P2P transfers such as from PayPal or Venmo, etc.; merchant transactions such as from PayPal, Stripe, Square, etc.; and external bank ACH transfers not from employers) do not qualify for this Direct Deposit Promotion. The amount of the bonus, if any, will be calculated during the Direct Deposit Bonus Period as described and defined below.

Direct Deposit Bonus Period: The Direct Deposit Bonus Period begins when SoFi receives a Direct Deposit within the Promotion Period and ends 25 calendar days later (the “Direct Deposit Bonus Period”). For the avoidance of doubt, the Direct Deposit Bonus Period shall not extend beyond the Promotion Period. The bonus amount will vary based on the total amount of Direct Deposits received during the Direct Deposit Bonus Period. Once the Direct Deposit Bonus Period has elapsed, SoFi will determine if you have met the offer requirements and will deposit any earned bonus into your checking account within seven (7) business days. For example, if SoFi receives between $1,000.00 and $4,999.99 in Direct Deposits during the Direct Deposit Bonus Period, you will receive a one-time cash bonus of $50. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if Direct Deposits subsequently increase after the Direct Deposit Bonus Period.

Total Direct Deposit Amount in Direct Deposit Bonus Period	Cash Bonus Tier
$1,000.00 - $4,999.99	$50
$5,000.00 or more	$250

Bonus Payment Timeline: SoFi will credit members who meet qualification criteria within seven (7) business days of the end of the Direct Deposit Bonus Period.

Bonuses are considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). SoFi reserves the right to exclude any Members from participating in the Direct Deposit Promotion for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or change the Direct Deposit Promotion at any time.

SoFi members with direct deposit can earn up to 4.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 4.60% APY for savings (including Vaults). Members without direct deposit will earn up to 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet

SoFi Invest®: SoFi Invest refers to the three investment and trading platforms operated by Social Finance, Inc. and its affiliates (described below). Individual customer accounts may be subject to the terms applicable to one or more of the platforms below.

1) Automated Investing and advisory services are provided by SoFi Wealth LLC, an SEC-Registered Investment Adviser (“Sofi Wealth“). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC.

2) Active Investing and brokerage services are provided by SoFi Securities LLC, Member FINRA(www.finra.org)/SIPC(www.sipc.org), (“Sofi Securities). Clearing and custody of all securities are provided by APEX Clearing Corporation.

For additional disclosures related to the SoFi Invest platforms described above, including state licensure of SoFi Digital Assets, LLC, please visit SoFi.com/legal.

Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform. Information related to lending products contained herein should not be construed as an offer or pre-qualification for any loan product offered by SoFi Bank, N.A., or SoFi Lending Corp.

SoFi Student Loan Refinancing: Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. Your existing student loan(s) must total a minimum of $5,000 to be eligible for refinancing. Additional terms and conditions may apply. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., have graduated with an associate degree or higher from an eligible Title-IV-accredited college or graduate program, and meet SoFi’s pre-established underwriting requirements, including verification of sufficient income to support your ability to repay; see SoFi.com/eligibility. Lowest rates reserved for the most creditworthy borrowers. SoFi refinance loans are private student loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Information current as of 8/26/22 and subject to change. SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details.

Notice: SoFi’s Refinance Loan is a private student loan. Understand that when you refinance federal loans, you forfeit all flexible federal repayment options that are or may become available to federal student loan borrowers. If you expect to incur financial hardship that would affect your ability to repay, you should consider federal consolidation loan options.

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 2021 was around $33K. Information current as of 8/26/22. 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.

Screen images are simulated. ST22-929012

SOFI GAME PLAN SWEEPSTAKES OFFICIAL RULES

NO PURCHASE OR ACCOUNT FUNDING NECESSARY TO ENTER OR WIN. A PURCHASE OR FUNDING AN ACCOUNT OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING.

ENTRY INTO THIS SWEEPSTAKES CONSTITUTES YOUR ACCEPTANCE OF THESE OFFICIAL RULES (“RULES”) AND THE DECISIONS OF SOFI, WHICH SHALL BE FINAL IN ALL RESPECTS. SWEEPSTAKES IS GOVERNED BY U.S. LAW AND IS SUBJECT TO ALL FEDERAL, STATE AND LOCAL LAWS, REGULATIONS, AND ORDINANCES.

ELIGIBILITY: To be eligible to enter the SoFi Financial Game Plan Sweepstakes (“Sweepstakes”), you must be a legal resident of the 50 United States (including the District of Columbia) age 19 years of age or older in Alabama and Nebraska; 21 years of age or older in Mississippi; or 18 years of age or older in all other states including the District of Columbia at time of entry (collectively referred to as an “Entrant”). Employees of Social Finance, Inc. (the “Sponsor” or “SoFi”), and its respective parent company, subsidiaries, affiliated or successor companies; subsidiaries, distributors, dealers, sales representatives, web masters/suppliers, advertising and promotional agencies, anyone associated with the development, implementation or execution of this Sweepstakes (collectively referred to hereafter as the “Sweepstakes Entities”), and members of the immediate families (defined as: spouse, biological, adoptive and step-parents, grandparents, siblings, children and grandchildren, and each of their respective spouses, regardless of where they reside) or households (whether related or not) of any of the above are not eligible to enter or win. Void where prohibited or restricted by law.

SWEEPSTAKES ENTRY PERIOD: Sweepstakes begins at 12:00:00 a.m. Eastern Time (“ET”) on September 7, 2022 and ends at 11:59:59 pm ET on November 29, 2022 (“Sweepstakes Entry Period”). The Sweepstakes will consist of twelve (12) weekly entry periods plus one (1) grand prize drawing. Refer to chart within the “how to qualify for entry” section (below) for each weekly period’s deadline date.

Weekly Entry Periods
	Starts	Ends
1	12:00:00 AM ET on September 7, 2022	11:59:59 PM ET on September 13, 2022
2	12:00:00 AM ET on September 14, 2022	11:59:59 PM ET on September 20, 2022
3	12:00:00 AM ET on September 21, 2022	11:59:59 PM ET on September 27, 2022
4	12:00:00 AM ET on September 28, 2022	11:59:59 PM ET on October 4, 2022
5	12:00:00 AM ET on October 5, 2022	11:59:59 PM ET on October 11, 2022
6	12:00:00 AM ET on October 12, 2022	11:59:59 PM ET on October 18, 2022
7	12:00:00 AM ET on October 19, 2022	12:00:00 AM ET on October 25, 2022
8	12:00:00 AM ET on October 26, 2022	12:00:00 AM ET on November 1, 2022
9	12:00:00 AM ET on November 2, 2022	12:00:00 AM ET on November 8, 2022
10	12:00:00 AM ET on November 9, 2022	12:00:00 AM ET on November 15, 2022
11	12:00:00 AM ET on November 16, 2022	12:00:00 AM ET on November 22, 2022
12	12:00:00 AM ET on November 23, 2022	12:00:00 AM ET on November 29, 2022

HOW TO QUALIFY FOR ENTRY IN THE GRAND PRIZE AND WEEKLY RANDOM DRAWINGS: There are three (3) ways to earn entries:
Method 1: An Entrant who is not an existing SoFi member can download the SoFi app and follow all onscreen instructions to register for SoFi membership (each a “new SoFi member”) to receive one (1) entry into the grand prize drawing and for the weekly random drawing he or she qualifies for based on date/time the entry is received.
Method 2: Existing and new SoFi members who open (not funds) a SoFi Checking & Savings account during the Entry Period will receive one (1) additional entry into the weekly random drawing he or she qualifies for based on date/time the entry received.
Method 3: Existing and new SoFi members will receive one (1) entry into the grand prize drawing and one (1) entry into the weekly random drawing he or she qualifies for when Entrant successfully refers a friend (“Referee”) to open a SoFi Checking & Savings account. Entrant must use the unique referral link assigned by SoFi and will receive one (1) additional entry for every successful referral during the Entry Period.

ALL NON-WINNING WEEKLY ENTRIES WILL AUTOMATICALLY BE ENTERED IN SUBSEQUENT WEEKLY ENTRY PERIOD DRAWINGS (IF ANY) AND THE GRAND PRIZE DRAWING.

Any attempt by an Entrant to obtain more entries by using multiple/different accounts, identities, registrations and logins, or any other methods will void that Entrant’s entries and that Entrant will be disqualified. Use of scripts, macros, or any other automated system to participate or subvert the process is prohibited and will result in disqualification. In the event of an identity dispute, entry will be considered made by the registered owner of the email account used for entry. Entrants must have a valid email address. Potential winner may be required to show proof of being the authorized account holder. All entries submitted become the property of Sponsor and will not be acknowledged or returned.

GRAND PRIZE & WEEKLY WINNER SELECTION & ODDS: Each weekly winner will be randomly selected from all eligible entries received for a given weekly drawing within three (3) days after the end of each Weekly Entry Period. The grand prize winner will be randomly selected from all eligible entries received during the Sweepstakes Entry Period on or about December 1, 2022. All random drawing will be conducted by the Administrator, whose decisions are final and binding. Odds of winning a weekly prize are determined by the number of eligible entries received for a given Weekly Entry Period. Odds of winning the grand prize are determined by the number of eligible entries received during the Sweepstakes Entry Period.

GRAND PRIZE & WEEKLY WINNER NOTIFICATION & VERIFICATION: All potential winners will be notified by email within three (3) business days from random drawing date and will be required to complete and return an Affidavit of Eligibility/Liability/Publicity Release plus an IRS W9 Form which must be completed, signed, and returned to Administrator within three (3) days from date on notification. At the sole discretion of the Sponsor, disqualification, forfeiture and the selection of an alternate winner may result from any of the following: [1] a potential winner’s failure to respond to email notification within three (3) days after emailing/transmission; [2] the return of an email notification or message as undeliverable; [3] the receipt of any other notice from Sponsor or an undeliverable prize; [4] a potential winner’s failure to provide Sponsor with satisfactory proof of age, identity and residency; [5] a potential winner’s failure to execute and return within three (3) days after its deployment or mailing notification an Affidavit of Eligibility/Liability/Publicity Release and/or any required documents; [6] a potential winner’s failure to claim prize within three (3) days after he or she is confirmed as a winner; and [7] any other non-compliance with Rules. In the event of prize forfeiture, the Sponsor may, in its sole discretion, award or not award the forfeited prize to an alternate winner. Sponsor shall have no liability if notification is lost, intercepted, or not received for any reason. Sponsor is not responsible for any change in winner’s email account or other contact information after entering the Sweepstakes.

EACH POTENTIAL WINNER IS SUBJECT TO VERIFICATION BY SPONSOR AND ITS ADMINISTRATOR. AN ENTRANT IS NOT THE WINNER UNLESS AND UNTIL HE/SHE HAS BEEN VERIFIED AND NOTIFIED THAT THE VERIFICATION IS COMPLETE.

PRIZE DETAILS: ONE (1) GRAND PRIZE: Grand Prize winner receive $50,000 plus a 2 days/2 nights trip to Los Angeles, CA (“Game city”) for winner and up-to-four friends to attend the January 1, 2023, Chargers vs Rams game at SoFi Stadium (“Game”). Approximate value of trip: $30,000. $50,000 cash prize will be awarded directly to winner’s SoFi’s Checking & Savings account within 30-60 days from the day the Administrator verifies winner. If Grand Prize winner does not have a SoFi Checking & Savings account, he or she can open an account for free on the SoFi app or at SoFi.com.

TWELVE (12) WEEKLY PRIZES: Weekly Prize winners (one prize awarded per weekly entry period) will each receive $2,500 in SoFi Reward Points plus a signed Justin Herbert swag valued at $75.00 each. SoFi Reward Points prizes will be awarded within 30-60 days from the day the Administrator verifies a winner.

If the actual value of trip and/or any swag prize is lower than the stated ARV when prize is procured and fulfilled, then the difference will not be awarded. Prizes are not transferrable to a third party and prizes may not be redeemed for cash value, except by Sponsor, who reserves the right in its sole discretion to substitute any prize (or any portion of prize) for a prize of comparable or greater value. All taxes, fees, federal, state, local or other expenses relating to the use, acceptance and possession of prize are the sole responsibility of each winner. An IRS form 1099 will be filed in the name of each winner for the retail value of the prize won. Arrangements for the fulfillment of prizes will be made by Sponsor and/or its designated agent.

Grand Prize trip consists of: round-trip economy class airfare (for winner and up-to-four guests) from/to a major commercial airport nearest to winner’s primary residence to/from (or ground transportation, if winner resides within a one hundred and fifty (150) mile radius of Game city as determined by Sponsor at its sole discretion); double occupancy accommodations for winner and guests for two (2) nights (up-to-three rooms at Sponsor’s discretion (total) and room tax only); up-to-five (5) tickets to attend Game, in stadium private suite access, and game day experience. All meals, ground transportation (other than as noted), taxes, gratuities, incidentals, upgrades, service charges or other expenses not specified herein are not included and are the sole responsibility of the winner and/or each guest. All Grand Prize details, including selection of stadium seats, are at Sponsor’s sole discretion. Game tickets are not for resale. Sponsor is not responsible for any flight or transportation delay/cancellation, and not liable for any expenses incurred because of any delay/cancellation.

Grand Prize winner and guests must travel together on the same itinerary, and dates specified by the Sponsor (tentatively scheduled for December 31, 2022 through January 2, 2023) or forfeit all rights to the trip. Travel, hotel, and other accommodations are subject to availability. Certain restrictions may apply. Grand Prize winner acknowledges that Game is beyond the control of the Sponsor and is subject to being rescheduled, modified, or cancelled. In the eventuality the Game is postponed or canceled, no compensation or substitution will be provided, and the Sponsor shall have no further obligation to the winner (and guests) other than to supply a trip to Game city minus the Game portion of prize. Should this be the case, trip must be taken within ten (10) months from the date of winner’s verification. If for any reason whatsoever, the winner and/or any guest(s) are unable to travel or attend the Game for any reason whatsoever after all travel arrangements have been made and paid, the Sponsor shall have no further obligation to winner and/or guest(s). Grand Prize winner and guests are responsible for obtaining proper documentation (i.e., valid photo ID, proof of vaccination, etc.), prior to travel. If winner is a minor in his/her state of residence, a parent or legal guardian will need to accompany minor on trip as winner’s guest. If guest is a minor, the winner must be the guest’s parent or legal guardian. Guests will be required to execute and return a Liability/Publicity Release prior to travel. Except where prohibited by law, entry and acceptance of prize constitute permission for Sponsor and its agents to use each winner’s name, prize won, hometown, likeness, video tape, photographs, and statements for purposes of advertising, promotion, and publicity (including online posting) in any and all media now or hereafter known throughout the world in perpetuity, without additional compensation, notification, or permission. Furthermore, Sponsor and/or its agents may film, record and/or take photographs of the Grand Prize winner (and/or his or her guests) before/during/after the Game, and may use the resulting footage, recordings, or photographs for a range of purposes, including, without limitation, for marketing and promoting Sponsor and/or its promotion partners/agents and their respective products and services. No additional compensation will be provided for any resulting footage.

The Sponsor will not be responsible for weather conditions; acts of God; acts of terrorism; civil disturbances; local, state, or federal regulation, order, or policy; work stoppage; epidemic, pandemic, or any other issue concerning public health or safety; or any other event outside of their control that may cause the cancellation or postponement of, or the restriction on fans attending Game. Grand Prize winner and his guests agree to comply with all applicable SoFi Stadium and venue regulations in connection with the Grand Prize. The NFL reserves the right to remove or to deny entry to the winner and/or his/her guests who engage in a non-sportsmanlike or disruptive manner or with intent to annoy, abuse, threaten, or harass any other person at the Game, including the Sponsor’s brand ambassadors present at the private suite. Game tickets awarded herein must not be resold, offered for resale, or used for any commercial or promotional purpose whatsoever. Any such resale or commercial or promotional use may result in disqualification and prize forfeiture and may invalidate the license granted by the NFL. Admission to SoFi Stadium is subject to all rules, requirements, and policies, including, without limitation, all security, and safety and health requirements and policies, put in place by SoFi Stadium, including requirements relating to face masks and enhanced health screenings (which may include a requirement that ticket holders be tested for COVID-19 prior to or during the Game or provide proof of full vaccination against COVID-19 prior to attending the Game) as they may be updated from time to time. The winner and winner’s guest(s) must also comply with all applicable laws, policies, orders, protocols, and guidelines issued by federal, state, and local authorities respecting COVID-19 and other communicable diseases, and attendance at the Game is conditioned on such compliance. Receiving the prize is contingent upon compliance with these Rules and passing any required background check to the Sponsor’s satisfaction in the Sponsor’s sole discretion.

CONSENT AND RELEASE: To the fullest extent possible in law, Entrants and any coordinating entity, and on behalf of their respective heirs, executors, administrators, legal representatives, successors and assigns (“Releasing Parties”), release, defend and hold harmless the Sweepstakes Entities and their associated companies and directors, including but not limited to the NFL Entities and their respective parent, subsidiary, affiliated or successor companies and their respective owners, members, shareholders, officers, directors, partners, equity holders, agents, representatives, employees and all others associated with the development and execution of this Sweepstakes (collectively, “Releasees”) from and against any and all claims, actions, causes of action, suits, liabilities, debts, dues, sums of money, accounts, reckonings, bonds, bills, specialties, covenants, contracts, controversies, agreements, promises, variances, trespasses, 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 Releasees 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 Entrant’s participation, acceptance and use or misuse of a prize or resulting from any travel related activity (if determined a winner).

By entering this Sweepstakes, you as an Entrant, agree, represent and warrant that: [1] you will be bound by the Rules and SoFi’s and its Administrator’s decisions, which shall be final in all respects; [2] in the event viruses, bugs, unauthorized human intervention, or regulations of any governmental or supra-national authority, war, national emergency, accident, fire, riot, strikes, lock-outs, industrial disputes, acts of terrorism or other matters beyond the Sponsor’s reasonable control, corrupt, prevent or impair the administration, security, fairness or proper play of the Sweepstakes, that it cannot be conducted as originally planned, except where prohibited by law, Sponsor has the right, in its sole discretion, to modify the Rules or to cancel, terminate or suspend the Sweepstakes; and in such event, to select applicable winner(s) by such method as Sponsor in its sole discretion shall consider equitable; [3] the Releasees are not responsible for typographical or other errors in the offer or administration of the Sweepstakes, including but not limited to: errors in the advertising, Rules, selection and announcement of winners; [4] the Releasees are not responsible for any inability of winner to accept or use prize (or any portion thereof) for any reason; [5) the Sponsor has the right, in its sole discretion, to disqualify any individual it suspects of any of the following: (a) tampering or attempting to tamper with the entry process or the operation of the Sweepstakes; (b) violating the Rules and/or the Sponsor’s Privacy Policy; (c) violating any other terms, conditions of use and/or general rules or guidelines of any Sweepstakes property or; and (6) any attempt by any individual to deliberately undermine the legitimate operation of the Sweepstakes is a violation of these Rules as well as criminal and civil laws; and should Sponsor believe or become aware that such an attempt has been, is being, or will be made, it has the right to seek remedies and damages from any responsible individuals to the fullest extent permitted by law, including without limitation criminal prosecution.

By participating in this Sweepstakes, each Entrant expressively waives and relinquishes all rights and benefits afforded by California Civil Code 1542 and does so understanding and acknowledging the significance of this waiver. Section 1542 states as follows: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DID NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN, BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR THE RELEASED PARTIES.”

ARBITRATION: This Sweepstakes shall be governed by and interpreted under the laws of the State of California, U.S.A., without regard to its conflicts of laws provisions. Each Entrant hereby agrees that any and all disputes, claims, causes of action, or controversies (“Claims”) arising out of or in connection with this Sweepstakes or prizes shall be resolved, upon the election by Entrant or Sponsor, by arbitration pursuant to this provision and the code of procedures of either the National Arbitration Forum (“NAF”) or the American Arbitration Association (“AAA”), as selected by Entrant. IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM. FURTHER, NEITHER SPONSOR NOR ANY ENTRANT WILL HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY ON BEHALF OF THE GENERAL PUBLIC OR OTHER PERSONS SIMILARLY SITUATED, OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT AN ENTRANT WOULD HAVE IF ENTRANT WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION. ANY CLAIMS, JUDGMENTS AND/OR AWARDS SHALL BE LIMITED TO ACTUAL OUT-OF-POCKET COSTS ASSOCIATED WITH ENTERING THIS SWEEPSTAKES. EACH ENTRANT HEREBY WAIVES ANY RIGHTS OR CLAIMS TO ATTORNEY’S FEES, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ENTRANT, WHETHER FORESEEABLE OR NOT AND WHETHER BASED ON NEGLIGENCE OR OTHERWISE. The arbitrator’s authority to resolve Claims is limited to Claims between Sponsor and any Entrant alone, and the arbitrator’s authority to make awards is limited to awards to Sponsor and Entrant alone. Furthermore, claims brought by either party against the other may not be joined or consolidated in arbitration with Claims brought by or against any third party, unless agreed to in writing by all parties. No arbitration award or decision will have any preclusive effect as to issues or claims in any dispute with anyone who is not a named party to the arbitration. Notwithstanding any other provision in these Rules and without waiving either party’s right to appeal such decision, should any portion of this provision be deemed invalid or unenforceable, then the entire provision (other than this sentence) shall not apply.

In the event there is a discrepancy or inconsistency between disclosures or other statements contained in any Sweepstakes-related materials or made by any representative of Sponsor, and the terms and conditions of these Rules, these Rules shall prevail, govern, and control.

PRIVACY: By entering the Sweepstakes, the information Entrants provide may be sent to promotional partners. Entrants may be contacted by the Sponsor and any promotional partners with future promotional offers. Information provided by Entrants to participate in this Sweepstakes is subject to Sponsor’s privacy policy located at www.sofi.com/privacy-policy.

SPONSOR: Social Finance Inc., 234 First Street, San Francisco, CA 94105.

ADMINISTRATOR: Ventura Associates International LLC, 494 Eighth Avenue, Suite 1700, New York, NY 10001.

SEVERABILITY: The invalidity or unenforceability of any provision of these Rules shall not affect the validity or enforceability of any other provision. In the event any provision is determined to be invalid or otherwise unenforceable or illegal, these Rules shall otherwise remain in effect and shall be construed in accordance with their terms as if the invalid or illegal provision were not contained herein.

WINNERS’ LIST: For a Winners List (available after December 31, 2022), send a self-addressed, stamped envelope by December 31, 2022 to: SoFi Financial Game Plan Sweepstakes Winners’ List Request, c/o: Ventura Associates International LLC, 494 Eighth Avenue – Dept: DE, Suite 1700, New York, NY 10001.

This Sweepstakes is in no way promoted, endorsed, or administered by, or associated with any social media entity, including, but not limited to Twitter and Instagram. Any questions, comments or complaints regarding the Sweepstakes must be directed to the Sponsor or Administrator, and not to any social media entity.

The National Football League, its member professional football clubs, including but not limited to The Los Angeles Chargers, NFL Ventures, Inc., NFL Properties LLC, NFL Enterprises LLC, NFL Productions LLC, and NFL International LLC and each of their respective subsidiaries, affiliates, shareholders, officers, directors, agents, representatives and employees (collectively, the “NFL Entities”) will have no liability or responsibility for any claim arising in connection with participation in this Sweepstakes or any prize awarded. The NFL Entities and the Los Angeles Chargers have not offered or sponsored this Sweepstakes in any way.

All NFL-related trademarks are the property of the National Football League.

All other trademarks used herein are the property of their respective owners.