SoFi Plus: 1% Deposit Match Terms & Conditions

SoFi Securities LLC (“SoFi Securities”) and SoFi Wealth LLC (“SoFi Wealth”) are offering the SoFi Plus 1% Match promotion (the “Match” or “Benefit”), which is governed by the following Terms and Conditions:

Match Benefit:

SoFi Plus members are eligible for a 1% Match on deposits made into their existing or newly opened non-retirement self-directed SoFi Invest account (offered by SoFi Securities) or non-retirement Robo investing SoFi Invest account (offered by SoFi Wealth) during the Benefit Period (the “Eligible Deposit”).

Benefit Period:

The Benefit Period is from August 18, 2026 through the date SoFi terminates the Benefit. SoFi may modify, suspend, or terminate the benefit at any time in its sole discretion without advance notice.

Eligibility:

To receive and retain the full value of this promotion, a SoFi Plus member must:

  1. Be a SoFi Plus subscriber at the time each Eligible Deposit settles; and

  2. Maintain each Eligible Deposit in the non-retirement account for five (5) years from the settlement date. Each Eligible Deposit shall be subject to its own independent five (5) year holding period measured from its respective settlement date.

Deposit refers to an instant cash transfer from a SoFi Bank account or ACH deposit into either a non-retirement self-directed SoFi Invest account or SoFi Robo Invest account during the Benefit Period. The deposit must be settled before the end of the Benefit Period to be eligible for the Match.

For the avoidance of doubt, “Eligible Deposit” excludes Internal transfers between SoFi Invest accounts, Automated Customer Account Transfers (ACATs), securities transfers, interest, dividends, fee reversals, promotional credits, and other non-cash credits.

Calculations and Payments:

The Match is calculated on each incoming instant cash transfer from a SoFi Bank account or ACH deposit. Matches will be paid in cash into the same account receiving the deposit within 5 business days of the deposit being settled, subject to verification of eligibility and compliance with these terms. Funds deposited into a self-directed account will not be automatically invested (you must take action to invest them).

Matches will not be paid out on accounts that are closed or pending closure. The SoFi Plus member’s SoFi Invest account must be in good standing to receive the Match. SoFi reserves the right to delay payment of any Match pending review for fraud, abuse, or violation of these Terms.

Example: If you complete a deposit of $1,000 into your non-retirement self-directed SoFi Invest account, you will be paid a 1% Match on your deposit, equaling $10.

Limitations:

This Benefit may not be combined with any other SoFi Invest offers `unless expressly permitted by SoFi in writing.

SoFi Plus members must keep Eligible Deposits in the account that earned the Match for five (5) years to keep the entire Match amount. If a SoFi Plus member makes a withdrawal before the five (5) year holding period is complete, they will be subject to an early withdrawal fee and SoFi will remove a proportional amount of the Match from the member’s account. The proportional amount is based on the breach in retention value, not retention period. To avoid this early withdrawal fee, the total equity value of the SoFi Plus member’s account (“total equity value”) must at minimum equal the original pre-promotion total equity value in the account, plus the qualifying deposit and Match amount. The “pre-promotion total equity value” means the total equity value (market value of securities held plus cash balance) of the eligible account, as reflected in SoFi’s records, as of the most recent completed end-of-day balance preceding the date on which SoFi determines that the qualifying deposit was received and all applicable eligibility requirements were satisfied, as determined by SoFi in its sole discretion. If a withdrawal causes the total equity value to fall below this combined amount, the early withdrawal fee will be applied. SoFi may apply reasonable rounding or a de minimis tolerance to account for ordinary market fluctuations.

The early withdrawal fee will apply if the SoFi Plus member initiates a withdrawal and the total equity value has decreased, for any reason including investment losses. However, the early withdrawal fee will not apply if the SoFi Plus member’s total equity value has risen by an amount greater than the withdrawal amount, either by investment gains or additional deposits.

The proportional early withdrawal fee is deducted from the requested withdrawal amount. In the event of an ACAT transfer out, there will be an early withdrawal fee for the entire Match amount. For clarity, an ACAT transfer out during the applicable five (5) year holding period will result in forfeiture of the Match associated with the applicable Eligible Deposit(s) that have not satisfied their respective holding period(s). If insufficient cash is available in this account, the early withdrawal fee will be debited from an outgoing financial institution or added to a margin balance. SoFi reserves the right to liquidate securities to pay for this early withdrawal fee. SoFi will also bill an ACAT out fee separate from an early withdrawal fee. For additional details on the SoFi fee schedule click here.

Early Withdrawal Fee Examples:

Deposit	1% Match	Total Equity Value	Withdrawal Date	Withdrawal Amount	Remaining Equity Valur
$1,000	$10	$1,010	5+ years from deposit date	– $600	$410
$1,000	$10	$1,010	Less than 5 years from deposit date	– $600	$410
$1,000	$10	$1,310 Account balance increases due to investment gains	Less than 5 years from deposit date	– $250	$1,060
$1,000	$10	$950 Account balance decreases due to investment losses	Less than 5 years from deposit date	– $250	$700

Fraud and Violations:

SoFi reserves the right to decline, rescind, or delay granting the Match if fraudulent activity or violations of these Terms are suspected. SoFi may liquidate securities as reasonably necessary to recover any match amounts owed. SoFi’s determinations under this section shall be made in its reasonable discretion

Taxes:

The Match may be considered income and will be reportable on IRS Form 1099-INT, 1099-MISC, or Form 1042-S as applicable. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the benefit; consult with your tax advisor to determine applicable tax consequences.

Disclosures:

Nothing in this benefit constitutes a recommendation to buy, sell, or hold any security or to engage in any investment strategy. Brokerage services are provided by SoFi Securities LLC, Member FINRA/SIPC. Robo investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser. All terms and conditions applicable to the use of SoFi Plus apply.

SoFi Plus:

SoFi Plus: SoFi Plus is a premium membership that gives members access to our best rewards, benefits, and more when they pay the SoFi Plus Subscription Fee. Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of SoFi Plus apply. To learn more about SoFi Plus and available benefits and terms, please see the SoFi Plus page.

¹

SoFi Invest is a trade name used by SoFi Wealth LLC and SoFi Securities LLC offering investment products and services. Robo investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser. Brokerage and self-directed investing products offered through SoFi Securities LLC, Member FINRA/SIPC.

For disclosures on SoFi Invest platforms visit SoFi.com/legal. For a full listing of the fees associated with SoFi Invest please view our fee schedule.

1% Invest Match: Available to SoFi Plus members who make eligible cash deposits into taxable SoFi Invest accounts. You must be a SoFi Plus member at the time of deposit and keep the deposited funds in the account for five (5) years. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

Restrictions apply. Excludes internal transfers and ACAT transfers. Match may be taxable.

²Appointments with financial planners: SoFi Plus members can schedule an unlimited number of appointments with a financial planner. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

SoFi members who do not meet the SoFi Plus eligibility criteria can schedule one (1) thirty-minute appointment with a financial planner.

Members can only schedule an unlimited number of appointments with a financial planner during periods in which the member meets the SoFi Plus eligibility criteria. The ability to schedule appointments is subject to financial planner availability. SoFi reserves the right to change or terminate this benefit at any time with or without notice. Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.

³IPO allocation priority: SoFi Plus members have the opportunity to receive preferred IPO allocations. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

Investing in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation.

⁴$10 subscription fee: Subscribers are billed monthly based on the initial date of subscription.

⁵SoFi Plus APY Benefit: SoFi Savings is a tiered-rate account for SoFi Plus Subscribers. Earn 4.50% Annual Percentage Yield (APY) on up to $20,000 in one SoFi Savings account, and 3.10% on all other Savings balances with a paid SoFi Plus subscription. Promotional APY boost offers cannot be combined on balances earning a 4.50% APY. Rates are current as of 5/28/26. APY is variable and subject to change at any time. There is no minimum balance requirement. Fees may reduce earnings. Terms apply at www.sofi.com/terms-of-use/#sofi-plus. See additional rates and information at: www.sofi.com/legal/banking-rate-sheet/March312026. SoFi Bank, N.A. Member FDIC.

⁶2x rewards points on qualifying activities: SoFi Plus members can earn double the rewards points as stated in the “Ways to earn” section of the Membership & Rewards Center for qualifying earning activities. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

Members can only earn 2x rewards points for periods in which the member meets the SoFi Plus eligibility criteria. The qualifying earning activities exclude the following: Credit or Debit card spend paid in rewards points, welcome bonuses paid in rewards points (including any referral bonuses paid in rewards points), and select promotions with bonuses paid in rewards points. The specific number of rewards points is subject to change at any time and can be found in the “Ways to earn” section of the Membership & Rewards Center. Members must enroll in SoFi Member Rewards to redeem rewards points, but not to be eligible for 2x rewards points. Rewards points are subject to the SoFi Member Rewards terms.

⁷10% Boost on Cash Back Rewards Points for SoFi Credit Card Purchases: SoFi Plus members are eligible for a 10% boost on cash back rewards rates for all eligible purchases made with a SoFi Credit Card (the “Promotion”). For complete SoFi Plus eligibility, please see the SoFi Plus terms.

A 10% boost means that a 10% multiplier shall be applied to existing cash back rewards rates (e.g., a purchase previously earning 100 rewards points would now earn 110 with the promotion). For purposes of calculating the 10% boost on cash back rewards points, each transaction shall be rounded to the nearest dollar, and fractional points shall be rounded to the nearest whole point. The 10% boost shall not apply to (i) transactions that are not eligible for cash back rewards points, including: fees or interest charges, balance transfers or cash advances, purchase of traveler’s checks or other cash equivalents, purchase or reloading of prepaid cards, or other quasi-cash transactions; or (ii) courtesy rewards points that are manually awarded. SoFi shall, in its sole discretion, determine whether a transaction is eligible to earn the 10% boost under this Promotion.

Members must enroll in SoFi Member Rewards to redeem rewards points, but not to be eligible for the Promotion. Rewards points are subject to the SoFi Member Rewards terms. All new and existing SoFi Credit Card members who meet the SoFi Plus eligibility criteria during the Promotion Period are eligible for this Promotion. SoFi Smart Card accounts are excluded from this Promotion. Offer limited to one per SoFi Checking and Savings account. A SoFi Credit Card account will only benefit from the 10% boost under this Promotion if the primary SoFi Credit Card account holder is a SoFi Plus member. SoFi reserves the right to exclude any member from participating in this Promotion for any reason, including suspected fraud, misuse, or if suspicious activities are observed. Promotion Period: The Promotion will begin on 4/1/24 at 1:00 PM ET. SoFi reserves the right to terminate or make changes to this Promotion at any time.