Program terms: Part I

Loan Referral Program

The terms below and those set forth in Part II govern your participation in SoFi Bank, N.A.’s (“SoFi Bank“) Loan Referral Program (the “Loan Referral Program“) described below. The Loan Referral Program is open to any consumer who registers on SoFi’s website and who resides outside of the state of Vermont (the “Eligible Loan Referrer(s)“). Employees of Social Finance, LLC and its affiliates are not eligible to receive Loan Referral Bonuses under the Loan Referral Program.

Eligible Loan Referrers are limited to refer friends, colleagues, family members, and other people they (collectively, the “Eligible Loan Recipient(s)“) believe may be interested in applying for a student loan or personal loan product as described in a specific promotional campaign (collectively, the “Eligible Loan(s)“). SoFi Bank reserves the right to disqualify anyone from participating in the Loan Referral Program at any time. The Eligible Loan Referrers will NOT receive a Loan Referral Bonus for referrals for any other SoFi Bank loan products. Anyone who violates these terms and conditions is ineligible for payment of any bonus.

To receive credit for a referral under the Loan Referral Program, Eligible Loan Referrers must send their unique referral link to an Eligible Loan Recipient, the Eligible Loan Recipient must use their Eligible Loan Referrer’s unique referral link within 120 days after receipt of the Eligible Loan Referrer’s unique referral link, and the Eligible Loan Recipient must meet the terms and conditions of the specific promotional campaign associated with the unique referral link that was used for the referral. Further, in order for the Eligible Loan Recipient to receive their Loan Welcome bonus for a SoFi Personal Loan, the loan must still be an active loan in good standing ninety (90) days after the disbursement date. For Private Student Loan referrals, the Eligible Loan Recipient and Eligible Loan Referrer will receive their bonus sixty (60) days after their first loan disbursement, and the Eligible Loan Referrer is eligible for a maximum of 5 total referral bonuses for the Private Student Loan product. Further, for referrals for the Private Student Loan product no payments will be made if the Eligible Loan Referrer is employed by a qualified educational institution. If the Eligible Loan Recipient uses the Eligible Loan Referrer’s unique referral link and meets the terms and conditions of the specific promotional campaign associated with that unique referral link, SoFi Bank or its designee shall pay to (a) the Eligible Loan Referrer, a referral bonus into a SoFi Bank Checking or Savings account in the amount specified in the promotional campaign associated with the unique referral link that was used for the referral (the “Loan Referral Bonus“); and (b) the Eligible Loan Recipient, a welcome bonus into a SoFi Bank Checking or Savings account in the amount specified in the promotional campaign associated with the unique referral link that was used for the referral (the “Loan Welcome Bonus“). Only one Loan Referral Bonus and one Loan Welcome Bonus will be awarded for each referred Eligible Loan Recipient, regardless of whether the Eligible Loan Recipient takes out multiple Eligible Loans. Further, and notwithstanding the above, the following additional restrictions shall apply (1) no Loan Referral Bonus will be paid to otherwise Eligible Loan Referrers who are residents of Vermont, and (2) no Loan Referral Bonus will be paid for otherwise funded loans made to Vermont residents. An Eligible Loan Referrer will not earn a Loan Referral Bonus if the Eligible Loan Recipient has or had an existing funded SoFi loan account, or if the Eligible Loan Recipient does not use the unique referral link provided by the Eligible Loan Referrer.

If the Eligible Loan Recipient already has a SoFi loan account, is on our opt-out list or the national email opt-out list, or has already used another Eligible Loan Referrer’s unique referral link, the Eligible Loan Recipient may not be sent an email. We cannot disclose to you any information about funded loans opened by any Eligible Loan Recipients you refer to us. Participation in the Loan Referral Program serves as a one-time limited waiver of privacy rights by both parties, whereby each may become aware of the presence of an account relationship with SoFi Bank.

$1,000 Medical and Dental Referral Offer: All referral program terms and conditions apply. Offer is subject to lender approval and not available to residents of Vermont. The offer is only open to new medical or dental Student Loan Refinance borrowers and may not be combined with other offers aside from the autopay discount. For both the referrer and referee to each receive a $1,000 bonus, the referee must: (1) register and apply for a medical or dental student loan refinance through the referral link provided; (2) meet SoFi’s underwriting criteria; (3) complete and fund a loan with SoFi; and (4) have or apply for a SoFi Checking and Savings or have a SoFi Money account to receive the bonus. Once conditions are met and the loan has been disbursed, both the referrer and referee welcome bonus will be deposited into their respective SoFi Checking and Savings or Money account within 30 calendar days. Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of $600 or greater in a single calendar year will be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time with or without notice.

Invest Referral Program

The terms below and those set forth in Part II govern your participation in the SoFi Invest Referral Program (the “Invest Referral Program”). The Invest Referral Program is open to all current SoFi Invest account holders who meet the criteria below, and wish to refer someone to open a SoFi Invest Self-directed Invest Account offered by SoFi Securities LLC. A referrer must have a SoFi Invest Self-directed Invest Account offered by SoFi Securities LLC or an Automated Invest account offered by SoFi Wealth LLC which is funded and in good standing (i.e., not suspended) (an “Eligible Invest Referrer(s)”). Employees of Social Finance, LLC and its affiliates are not eligible to receive Invest Referral Bonuses under the Invest Referral Program.

The Eligible Invest Referrers are encouraged to refer friends, colleagues, family members, and anyone else they believe may be interested in opening a SoFi Invest Self-directed Invest account (the “Eligible Invest Recipient(s)”). The Eligible Invest Referrers will NOT receive an Invest Referral Bonus for referrals to open a SoFi Invest Automated Account or a SoFi Invest Self-directed IRA Account. SoFi Securities LLC, or its designee (collectively, “SoFi Securities”) reserve the right to disqualify anyone from participation in the Invest Referral Program at any time.

Under the Invest Referral Program, an Eligible Invest Referrer must access their own unique referral link and send it to the Eligible Invest Recipient(s) whom they wish to refer to open a new SoFi Invest Self-directed Invest Account. To receive the bonus, eligible Invest Recipient must 1) use the Eligible Invest Referrer’s unique referral link to open the new SoFi Invest Self-directed Invest Account within 90 days of clicking on the Eligible Invest Referrer’s unique referral link, 2) fund with a minimum deposit of $25.00, and 3) meet any additional terms and conditions that may apply to a specific promotional campaign associated with the unique referral link that was used for the referral.

For each Eligible Invest Recipient who opens and funds a New SoFi Invest Self-directed Account within 90 days after receipt of the Eligible Invest Referrer’s unique referral link, and meets the terms and conditions of the specific promotional campaign associated with the unique referral link that was used for the referral, SoFi Securities will: (a) credit an Invest account of the Eligible Invest Referrer with a referral bonus and (b) credit the New SoFi Invest Self-directed Account of the Eligible Invest Recipient, with a one-time welcome bonus (the “Invest Welcome Bonus”). Only one Invest Referral Bonus and one Invest Welcome Bonus will be awarded for each referred Eligible Invest Recipient, regardless of whether the Eligible Invest Recipient opens and funds multiple accounts. An Eligible Invest Referrer will not earn an Invest Referral Bonus if the Eligible Invest Recipient has or had an existing funded SoFi Invest account or does not use the unique referral link provided by the Eligible Invest Referrer.

Please note that if the Eligible Invest Recipient already has an Invest account, is on our opt-out list or on the national email opt-out list, or has already used another Eligible Invest Referrer’s unique referral link, SoFi Securities will not send an email to such Eligible Invest Recipient. We cannot disclose to you any information about New SoFi Invest Self-directed Account opened by any Eligible Invest Recipients you refer to us. By sending a referral link, you agree that you have express consent to send the recipient promotional messages about SoFi’s products and services.

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Credit Card Referral Program

Referred participants must first apply and successfully open a SoFi Checking and Savings account. To receive the promotional bonus, they must then make a deposit of $50 or more that settles within 14 days of registration. The deposit must be made via an ACH transfer from a linked bank account, via “Instant Transfer” from a debit card (if available), or from cash deposits, mobile check deposits, or wires. P2P transfers (ACH-based P2P or debit-card based P2P from Venmo, PayPal, Apple Cash, Square Cash, etc.) are excluded. Within 7 business days of such a qualifying deposit, SoFi will: (a) credit referred members a one-time cash bonus of $25 into their SoFi Checking and Savings account and (b) credit the referrer a one-time cash bonus of $75 into their SoFi Checking and Savings account. The referrer must have an open SoFi Checking and Savings account within 60 days of a successful referral in order to receive their one-time cash bonus of $75. Note that this is a limited-time offer from SoFi with limited availability, and is subject to expire at any time. Referrer will not earn a referral bonus if the recipient has or had an existing SoFi account or profile, or does not use the unique referral link provided by the referrer. Employees of Social Finance, LLC and its affiliates are not eligible to receive referral bonuses under the Bank Referral Program. In no event will any referrer or recipient be entitled to receive more than $10,000 in cumulative referral or welcome bonuses under all available SoFi referral programs within any calendar year. Bonuses are considered miscellaneous income, and will be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). This SoFi Checking and Savings Referral Offer cannot be combined with the SoFi Checking and Savings “account $20 open offer.” SoFi reserves the right to disqualify anyone from participation in the referral program at any time. SoFi reserves the right to change or terminate the offer at any time without notice.

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Bank Referral Program

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

Promotion Period:

July 30, 2025 at 12:00 a.m. E.T. -February 28, 2026 at 11:59 p.m. E.T.

Terms and Conditions:

To receive the referral bonus, a referrer must complete the following required activities: (i) share their unique referral link during the Promotion Period; (ii) have an existing SoFi Checking and Savings account at the time the referred member opens their SoFi Checking and Savings account; and (iii) be a SoFi Plus member at the time the referred member opens and funds their SoFi Checking and Savings account with the referrer’s unique referral link. To enroll in SoFi Plus, see the SoFi Plus Terms and Conditions for additional details.

To receive the referral bonus, a referred member must complete the following required activities: (i) apply and successfully open a SoFi Checking and Savings account and (ii) make deposits totaling $50 or more that settle within 21 calendar days of clicking the referral link. Deposits must be made via an ACH transfer from a linked bank account, direct deposit, via “Instant Transfer” from a debit card (if available), from cash deposits, mobile check deposits (if available), or wires. Peer-to-peer (P2P) transfers are excluded (P2P transfers are defined as ACH-based P2P or debit-card based P2P transfers from Venmo, PayPal, Apple Cash, Square Cash, Zelle, etc).

Once the referrer and the referred member have completed all required activities, SoFi will: (i) credit the referrer a one-time cash bonus of $100 into their SoFi Checking account ; and (ii) credit the referred member a one-time cash bonus of $25 into their SoFi Checking account. Please note that, if the referrer is not a SoFi Plus member at the time the referred member opens and funds their SoFi Checking and Savings account, the referrer will only receive a bonus of $75.

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

This is a limited-time offer from SoFi with limited availability, and is subject to expire at any time.

Referrers will not earn a referral bonus if the referred member has previously opened a SoFi Checking and Savings account or does not use the unique referral link provided by the referrer to open a SoFi Checking and Savings account during the Promotion Period.

Employees of Social Finance, LLC and its affiliates are not eligible to receive referral bonuses under the Bank Referral Program. In no event will any referrer or referred member be entitled to receive more than $10,000 in cumulative referral or welcome 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 the applicable federal and state reporting requirements. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; 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 if suspicious activities are observed.

This offer cannot be combined with the SoFi Checking and Savings “account $20 open offer.”

Joint Accounts:

• Only the primary account holder who opens the new joint Checking and Savings account is eligible for the referral bonus.
• The secondary account holder added to the joint account is not considered a referred member for this offer and will not receive a referral bonus for joining the joint account.
• The secondary account holder can still refer new members and earn referral bonuses for their own successful referrals.
• A referred member can only receive one referral bonus at the time they open their first SoFi Checking and Savings account.

Interest Rates:

SoFi members can earn the following annual percentage yields (APY):
With Eligible Direct Deposit:
Savings (including Vaults): 3.30% APY.
Checking: 0.50% APY.
No minimum Direct Deposit amount is required to earn the 3.30% APY on savings.

Without Eligible Direct Deposit:
Savings (including Vaults): 1.00% APY.
Checking: 0.50% APY.

Other Rates Details:
Rates are variable and are subject to change at any time.
Rates are current as of 12/23/25.
No minimum balance is required.

Fees may reduce earnings.
Additional information can be found at
https://www.sofi.com/legal/banking-rate-sheet.

Credit Score Monitoring Referral Program

SoFi will give you 1,000 rewards points (equivalent to $10) if the person you refer registers to use, and successfully activates SoFi Credit Score Monitoring within 60 days of the person clicking on your unique referral link. Referrer will not earn rewards points if the recipient already has or had another SoFi product, or does not use the unique referral link provided by the referrer. In order to refer others and receive rewards points, you must be actively enrolled in credit score monitoring and accept the SoFi Member Rewards Program Terms and Conditions. Once the referral qualifications have been met, SoFi will: (a) credit referred members 1,000 rewards points and (b) credit the referrer 1,000 rewards points (equivalent to $10) within 7 business days. See Official Referral Program Rules for additional information.

Eligibility: The Program is open to all members who are of the legal age of majority in the state in which they reside. SoFi employees are not eligible to participate in this Program.

Referral Cap: In no event will any referrer or recipient be entitled to receive more than $10,000 in cumulative referral or welcome bonuses under the Referral Program within any calendar year.

Tax Reporting

Referral bonuses may be considered income and may be reportable on IRS Form 1099-INT, 1099-MISC, or Form 1042-S as applicable. SoFi is required to do this reporting in compliance with applicable federal and state reporting requirements. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult with your tax advisor to determine applicable tax consequences.

Other Important Details

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 or end the Promotion at any time.

SoFi Crypto Referral Program

CRYPTOCURRENCY AND OTHER DIGITAL ASSETS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

SoFi cryptocurrency products and services are 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.

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: February 4, 2026 at 12:00 a.m. E.T. – December 31, 2026 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.

To receive the crypto referral bonus, a referrer must complete the following required activities:

(1) Share their unique referral link during the Promotion Period to the referred member.
(2)Have BOTH an existing SoFi Checking and Savings account AND an existing SoFi Crypto account at the time the referred member opens their SoFi Crypto Account.

To receive the crypto referral bonus, a referred member must complete the following required activities:

(1) Click the referrer’s unique referral link during the Promotion Period
(2) Apply and successfully open BOTH a SoFi Crypto AND a SoFi Checkings and Savings account

(3) Make a single qualifying crypto purchase of at least $50 within 30 calendar days of clicking the referral link.

A qualifying crypto purchase means a successful SoFi Crypto purchase transaction to buy Supported Digital Assets: (i) cryptocurrencies (ii) stablecoins. A qualifying crypto purchase must be funded directly from your Sofi Checking and Savings.

REFERRAL BONUS
Once the referrer and the referred member have completed all required activities, SoFi will:
(1) credit the referrer a one-time cash bonus of $25 into their SoFi Checking and Savings account AND (2) credit the referred member a one-time cash bonus of $25 into their SoFi Checking and Savings account.

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

Referrers will not earn a referral bonus if the referred member 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.

Employees of Social Finance, LLC and its affiliates are not eligible to receive referral bonuses under the Crypto Referral Program. In no event will any referrer or referred member be entitled to receive more than $10,000 in cumulative referral or welcome bonuses under all available SoFi referral programs within any calendar year. Bonuses are considered miscellaneous income, and will be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable).

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.

General Terms and Conditions: Part II

Referral Cap

In no event will any person be entitled to receive more than $10,000 in cumulative referrals or welcome bonuses under these Referral Programs within any calendar year. In addition, SoFi reserves the right to, at any time, limit the maximum number of times a Referral Link can be used. Referral Bonuses and Welcome Bonuses are each considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable).

Non-Solicitation Agreement

If you participate in any of the Invest Referral Program, Money Referral Program, or the Loan Referral Program described above (collectively, the “Referral Program(s)”), you agree not to participate in any other solicitations for SoFi products. Other than as set forth herein, you agree not to compensate or accept any compensation from applicants whom you refer to SoFi through any of the corresponding Referral Programs described above. You further agree that your activities will be limited to referring potential customers as described above, so they may independently decide whether to apply. You may not collect information from eligible recipients under any Referral Program, assist with filling out an application, or discuss specific product terms.

No Spam

You must comply with all applicable laws and regulations, in soliciting referrals. Eligible referrers may not purchase internet search terms or publicly advertise SoFi’s products or name in any fashion. Further, any distribution of a program link that could constitute unsolicited commercial email or “spam,” any content which impersonates or implies an affiliation with or endorsement by SoFi or any SoFi subsidiary, or any actions which otherwise violate any terms or conditions imposed by SoFi, or that SoFi determines in its sole discretion to be fraudulent in nature, are prohibited and will be grounds for immediate termination from a Referral Program. We will not honor referral payments for referrals which are generated using any of the foregoing means.

Independent Contractor

Your participation in a Referral Program is solely as an independent contractor. Neither you nor SoFi intend to establish an employment relationship, and you are not entitled to any benefits. We may require completion of a Form W-9 prior to payment of any referral or welcome bonus. Any payments that are not claimed within 180 days of the date the funds have been made available because either the direct deposit bank account or required tax information have not been provided are subject to forfeit.

Conflict

In the event any of the terms of these Terms of Service conflicts with any terms in a specific promotional campaign associated with a unique referral link, the terms of these Terms of Service shall govern.

Discontinuation of Previous Referral Program

The Referral Programs described herein replace all earlier versions of such SoFi referral programs. SoFi reserves the right to temporarily, or permanently modify or discontinue the Referral Programs at any time, for any reason, at our sole discretion and without notice to you.