Name of Promotion: Social Media Only Referral Swag Promotion

Eligible Participants: Eligible Participants are Eligible Bank Referrers under the SoFi Bank Referral Program Terms, available at: https://www.sofi.com/referral-program/#official-rules, who have completed the below qualifying steps, including posting a comment on SoFi’s designated Reddit or X thread. Eligible Participants must also have an existing SoFi Checking and Savings account in good standing. Employees of Social Finance, LLC and its affiliates are not eligible.

How to Qualify During the Promotion Period:

•  The Eligible Participant must share their unique SoFi Checking and Savings referral link.

•  The referred person must apply for and successfully open their first SoFi Checking and Savings account using the Eligible Participant’s unique referral link in accordance with the SoFi Bank Referral Program Terms.

•  The referred person must make deposits totaling $50 or more into their SoFi Checking or Savings account that settle within 21 calendar days of clicking the referral link. Qualifying deposit methods are set forth in the SoFi Bank Referral Program Terms and exclude peer-to-peer (P2P) transfers (e.g., Venmo, PayPal, Apple Cash, Square Cash, Zelle, etc.).

•  After SoFi confirms, in its sole discretion, that all referral requirements are successfully completed, the Eligible Participant must reply in the designated Reddit or X thread with a screenshot of their personalized email received from SoFi confirming that a successful referral has been completed.

Promotion Period: Mar 19, 2026 1:00 PM PDT – Mar 31, 2026 12:00 PM PDT

Offer Terms: Eligible Participants who complete all requirements during the Promotion Period will receive one (1) limited-edition SoFi hat (approximate retail value: $18.50), while supplies last. Limit one (1) hat per person. The referred person will not receive a hat.

After SoFi verifies that all promotion requirements have been satisfied, SoFi will ship a hat to the mailing address provided by the Eligible Participant in approximately six (6) weeks.

Additional Terms:

This promotion is separate from, and in addition to, the SoFi Bank Referral Program. Participation in this promotion requires compliance with the SoFi Official Rules and SoFi Bank Referral Program Terms, available at: https://www.sofi.com/referral-program/#official-rules. This is a limited-time offer from SoFi with limited availability, and is subject to expire at any time.

SoFi reserves the right to modify, suspend, or terminate this promotion at any time without notice. SoFi may disqualify any participant for suspected fraud, misuse, or suspicious activity.

Reddit and X are not affiliated with or a sponsor of this promotion.

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.

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 rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet.