SoFi Creator Guidelines

1. Background Information on SoFi and the SoFi Credit Card

• Social Finance, Inc. (“SoFi”) is a member-centric, one-stop shop for digital financial services that allows members to borrow, save, spend, invest and protect their money. Our mission is to help our members achieve financial independence to realize their ambitions.

• The SoFi Credit Card is designed to help members save, invest and pay down eligible SoFi debt.

• Members earn 2 rewards points for every dollar spent on purchases. No rewards points will be earned with respect to reversed transactions, returned purchases, or other similar transactions. When you elect to redeem rewards points into your SoFi Checking or Savings account, SoFi Money® account, SoFi Active Invest account, SoFi Credit Card account, or SoFi Personal, Private Student, or Student Loan Refinance, your rewards points will redeem at a rate of 1 cent per every point. For more details, please visit the Rewards page. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA/SIPC. SoFi Securities LLC is an affiliate of SoFi Bank, N.A.

• If a Member elects to redeem points for cash deposited into their SoFi Checking and Savings account, fractional shares in their SoFi Invest account, or as a payment to their SoFi Personal or Student Loan Refinance, such Member’s points will redeem at a rate of 1 cent per every point. If a SoFi Member elects to redeem points as a statement credit to their SoFi Credit Card account, their points will redeem at a rate of 0.5 cents per every point. For more details, please visit the SoFi Rewards page (see link below).

• Points earned through using the SoFi Credit Card are automatically added to any other Rewards Points that a member earns under the SoFi Member Rewards Program.

• Helpful Resources:

    — SoFi Credit Card Terms and Conditions: https://www.sofi.com/card/terms
    — SoFi Rewards: https://www.sofi.com/card/rewards/

2. Language to Avoid in Endorsements

• Federal law requires that financial institutions include additional disclosures when certain terms are used in advertisements. In order to avoid triggering these additional disclosures, is it important that SoFi Creators do not use the terms listed below in their endorsements of the SoFi Credit Card or any other SoFi products.

• Do NOT use or reference the following terms:

    — Annual Percentage Rate (APR);
    — No annual fee;
    — Monthly payment amount;
    — Circumstances under which a finance charge may be imposed; and
    — Explanation of how a finance charge is determined.

• Additional Considerations:

    — SoFi Creators may state that the SoFi Credit Card is designed to “pay down debt” but should avoid using the phrase “pay off debt.”
    — SoFi Creators should be clear that SoFi Rewards Points are awarded for all eligible purchases.

3. Inclusion of FTC Endorsement Disclosure

• Pursuant to Section 255.5 of the Federal Trade Commission’s (FTC) Guides Concerning the Use of Endorsements and Testimonials in Advertising, each SoFi Creator should fully disclose his or her connection with SoFi as it concerns the marketing of the SoFi Credit Card.

• Facebook, Twitter, Instagram and TikTok Posts: All posts must include “#ad” or “#sponsored” above the “see more” fold.

• Instagram Stories: All Instagram story slides must include “#ad” or “#sponsored” on the screen.

• YouTube Videos:
    — Written: All video descriptions must include “#ad” or “#sponsored” above the “see more” fold.
    — On-Screen: “Ad” or “sponsored” must appear in the video itself in a conspicuous manner for five (5) seconds at the beginning of the SoFi mention.
    — First 30 Seconds: A verbal disclosure of the sponsored content must appear within the first 30 seconds of the video (i.e., “Thanks to SoFi for sponsoring a portion of this video”), along with an on-screen disclosure of “Sponsored by SoFi” or “Sponsored.”
    — Bracketed Mention: SoFi Creators must include a verbal disclosure at the start of the bracketed mention (i.e., “This portion of my video is sponsored by SoFi”), along with an on-screen disclosure of “Sponsored by SoFi” or “Sponsored.”
    — Close of Sponsored Section: SoFi Creators must include a verbal disclosure at the end of the bracketed mention before moving on to the non-sponsored content (i.e., “Thanks again to SoFi for sponsoring this portion of my video”).

• Each SoFi Creator should clearly and conspicuously disclose the payment or promise of compensation prior to and in exchange for the endorsement of the SoFi Credit Card (i.e., “SoFi pays me for every referral using this link.”).

• SoFi recommends that SoFi Creators include a “see more” link in the description of all Facebook, Twitter, Instagram, TikTok and YouTube posts that includes a link to the Terms and Conditions for the SoFi Credit Card.

4. Code of Conduct

• SoFi is proud of the values with which it conducts business. It has and will continue to uphold the highest levels of business ethics and personal integrity in all types of transactions and interactions. To this end, SoFi requests that each SoFi Creator conducts himself or herself in accordance with basic standards of ethical and legal behavior.

• Age Restriction: SoFi Creators must be at least 18 years of age before creating content that includes an endorsement of SoFi products.

• Compliance with Laws and Regulations: SoFi Creators should comply with all applicable governmental laws, rules and regulations at all levels of government at all times.

• Misleading offers: SoFi Creators may not represent any offer in a deceptive, misleading or unfair manner. By way of example, SoFi Creators may not: (i) State that an offer is lower,” “free,” at “no cost” or use similar phrases when there may be a cost to a customer; or (ii) claim that a SoFi product or service can do more than it promises.

• Sub-Affiliates: SoFi Creators may not engage or permit any sub-affiliates, resellers or advertising networks to promote or distribute SoFi information unless such SoFi Creator has received prior permission from SoFi.

• Third-Party Services: SoFi Creators may not violate the terms and conditions or guidelines of any third-party mail/communication service or system. This includes the posting of advertisements within user generated content (UGC) sites that may violate that service or systems terms of use.

• Trademarks: SoFi Creators may not use third-party trademarks to direct traffic to the SoFi website in a manner that is confusing, tarnishes such trademark or implies an endorsement by, or association with, the trademark owner without the prior written consent of such trademark owner.

• Images: SoFi Creators may not use any person’s name, image or likeness (including celebrities) without such person’s prior written consent.

• Other Content: SoFi Creators may not use any third-party content (such as graphics, text, video, and audio) without the prior written consent of such third party, except to the extent permitted by applicable law.

• Prohibition on Charging Consumers:> SoFi Creators must not charge consumers for providing information about SoFi and may not solicit, distribute or fill out loan applications for SoFi’s student loan or personal loan products.

• Bona Fide User: If a SoFi Creator represents that he or she uses the SoFi Credit Card, then the SoFi Creator must be a bona fide user of the SoFi Credit Card at the time of the endorsement (e.g., “Each time that I make an eligible purchase with my SoFi Credit Card, I receive 2 SoFi Rewards Points”). If a SoFi Creator has not personally used the SoFi Credit Card, then he or she can speak to the features and benefits of the SoFi Credit Card (e.g., “Each time that a SoFi Member uses their SoFi Credit Card, they earn 2 SoFi Rewards Points.”) but must not represent such discussion as personal experience.

• Prohibition on Alcohol, Drugs and Weapons in Advertisements: Any content produced by SoFi Creators concerning the SoFi Credit Card or any other SoFi product must not reference, feature or include, in any capacity, alcoholic beverages, drugs, firearms and other weapons.

5. Acceptance of Terms and Conditions

• Prior to participating in the SoFi Creator Program, all prospective SoFi Creators must review and agree to the Terms and Conditions included herein.