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

Cryptocurrency and other digital assets are highly speculative, involve significant risk, and may result in the complete loss of value. Cryptocurrency and other digital assets are not deposits, are not insured by the FDIC or SIPC, are not bank guaranteed, and may lose value.

All cryptocurrency transactions, once submitted to the blockchain, are final and irreversible. SoFi is not responsible for any failure or delay in processing a transaction resulting from factors beyond its reasonable control, including blockchain network congestion, protocol or network operations, or incorrect address information. Availability of specific digital assets, features, and services is subject to change and may be limited by applicable law and regulation.

SoFi Crypto products and services are offered by SoFi Bank, N.A., a national bank regulated by the Office of the Comptroller of the Currency. SoFi Bank does not provide investment, tax, or legal advice. Please refer to the SoFi Crypto account agreement for additional terms and conditions.

¹

SoFi cryptocurrency products and services will be 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. These assets are not insured by the FDIC or SIPC and do not carry any bank guarantee.

PROMOTION PERIOD This Promotion is from January 8, 2026, to February 7, 2026, at 11:59 PM ET.

ELIGIBILITY New SoFi Crypto accounts opened during the promotion period are eligible for the $10 New Account Promo.

QUALIFYING ACTIONS You must open and/or have an existing SoFi Checking and Savings account in order to fund your SoFi Crypto Account to trade crypto. To receive the promotion bonus, you must complete ALL of the qualifying actions by February 7, 2026:

1. Open a new SoFi Crypto Account.

2. Fund your SoFi Crypto Account with a SoFi Checkings and Savings Account

3. Make a single qualifying crypto buy transaction of at least $10.

PAYOUT METHOD Eligible participants will receive a $10 payout bonus in stablecoin credited to their SoFi Crypto Account. The stablecoin used for the payout will be determined by SoFi at its discretion.

PAYOUT TIMING

Bonus payments will be paid out within 2 weeks following the conclusion of the promotion.

ADDITIONAL IMPORTANT TERMS

•   The SoFi Crypto $10 New Account Promo may be combined with other SoFi Crypto promos.

•   Promotion is non-transferable and limited to one per account.

•   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, suspend, or terminate the Promotion at any time without notice.

²ELIGIBILITY:
This Promotion is open and available to SoFi members who are legal residents of the fifty (50) United States and the District of Columbia and are at least eighteen (18) years of age or older as of time of promotion period. Open to SoFi members who are legal residents of the 50 U.S. states/DC, 18+, with active SoFi Plus, Checking/Savings, and Crypto accounts. SoFi Plus status must be active at the time of an eligible crypto buy to qualify for the 1% match.

PROMOTION TIMING & PHASES:
The Promotion runs from January 15, 2026, through December 31, 2026, and is divided into two phases. To be eligible for this Promotion, you must participate in the Offer Phase and maintain the digital assets through the Holding Phase.
  1. Offer Phase (Buying Window): Jan 15, 2026 (9:00 AM ET)-March 30, 2026 (11:59 PM ET).
  2. Holding Phase (Holding Window): March 31, 2026 (12:00 AM ET)-December 31, 2026 (11:59 PM ET).

HOW IT WORKS:

SoFi Plus members can earn a 1% Match on “Net Funded Crypto Buys” made through SoFi Bank, N.A., capped at a total buy volume of $250,000.

•  Funding: Eligible crypto buys must be funded directly from your SoFi Checking & Savings.

•  Incoming crypto transfers do not qualify.

•   Calculation: The 1% Match is based on the total USD value of eligible crypto buys made during the Offer Phase, MINUS the value of any cash or digital asset withdrawals from your SoFi Crypto accountant any time before Dec 31, 2026.

•  Selling digital assets does not reduce your match amount provided the proceeds remain in your SoFi Crypto account or are used to buy other digital assets.

1% MATCH CALCULATION EXAMPLES

•  Standard Buy and Hold
A SoFi Plus Member executes $1,000 worth of crypto buys during Offer Phase and holds the digital assets on platform through Dec 31, 2026.
1% Match: $10 in stablecoin.

•  Cash/Digital Asset Withdrawal
A SoFi Plus Member executes $1,000 worth of crypto buys during Offer Phase and withdraws $500 (cash or digital asset withdrawal) before Dec 31, 2026.
1% Match: $5 in stablecoin – 1% of the remaining $500 net funded amount

•  Trading/Rebalancing Portfolio
A SoFi Plus Member executes a $1,000 BTC crypto buy. Later, sells $500 of BTC to buy ETH. No withdrawals made and holds digital assets on platform through Dec 31, 2026.
1% Match: $10 in stablecoin – 1% Match based on original net funding for crypto buys

•  Market Value Changes
A SoFi Plus Member executes $1,000 worth of crypto buys. Market drops portfolio value to $800. No withdrawals made and digital assets held on platform through Dec 31 2026.
1% Match: $10 in stablecoin – Market performance does not affect 1% match payout.

•  PAYOUT METHOD & TIMING:
The 1% Match payout will be paid in a one-time bonus, in stablecoin, credited to the member’s SoFi Crypto account. The stablecoin used for the match payout will be determined by SoFi at its discretion. The member must maintain an active SoFi Crypto account to receive the payout. Payments will begin at the conclusion of the promotion period on or around January 2027.

ADDITIONAL IMPORTANT TERMS:

•  The SoFi Plus 1% Crypto Match Promo may be combined with other SoFi Crypto promos.

•  Promotion is non-transferable and limited to one per account.

•  SoFi reserves the right to exclude any members from participating in this Promotion for any reason, such as suspected fraud, misuse, or suspicious activity.

•  If SoFi suspects that there may have been fraudulent activity and/or a violation of these Terms & Conditions in connection with the Offer, or a violation of the customer agreement, SoFi reserves the right to either decline to grant the Match, or to rescind the Offer. SoFi reserves the right to liquidate any digital assets to make up for any shortfall.

•  SoFi also reserves the right to modify, suspend, or terminate the Promotion at any time without notice.