SoFi Checking and Savings NPS Cash Back Rewards Program: New and existing SoFi Checking and Savings members can earn 25% cash back rewards on all eligible purchases using their SoFi Bank Debit Card at Waypoint at the Naval Postgraduate School campus between 9/15/2025 at 12:01am PT and 4/30/2028 11:59pm PT (“Promotion Period”). This offer is only available for purchases made with your SoFi Bank Debit Card. SoFi Credit Cards are not eligible for this promotion. Purchases made outside of Waypoint at the Naval Postgraduate School campus are not eligible for this promotion. All purchases on food, beverage, or merchandise on your SoFi Bank Debit Card while you are inside Waypoint qualify to earn 25% cash back. SoFi shall, in its sole discretion, determine the eligibility of purchases for this Promotion.

Cash back is earned in the form of rewards points. SoFi will credit members who meet qualification criteria within 14 calendar days of eligible purchases. SoFi reserves the right to exclude any Members from participating in the Program for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or make changes to the Program at any time. No opt in required. Cash back rewards 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 the rewards. A maximum of 12,500 rewards points, corresponding to a maximum spend of $500, can be earned from this limited-time offer. After the Promotion Period ends, or once you have earned the maximum points offered by this Promotion, your cash back rewards earning rate will revert back to your base earn rate, if applicable. 12,500 rewards points are worth $125 when redeemed toward active SoFi accounts, including but not limited to, your SoFi Checking or Savings account, SoFi Active Invest account, SoFi Credit Card account, SoFi Personal Loan, Private Student Loan, Student Loan Refinance, or toward SoFi Travel purchases.Terms and conditions applicable to the use of SoFi Member Rewards can be found at SoFi.com/terms-of-use/#rewards. SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. 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.