SoFi Member Rewards: All terms and conditions applicable to the use of SoFi Member Rewards apply. To learn more about SoFi Member Rewards, please see the Rewards page. No points will be earned with respect to reversed transactions, returned purchases, or other similar transactions. When you elect to redeem rewards points toward active SoFi accounts, including but not limited to, your SoFi Checking or Savings account, SoFi Money® account, SoFi Active Invest account, SoFi Credit Card account, SoFi Personal Loan, Private Student Loan, Student Loan Refinance, or toward SoFi Travel purchases, your rewards points will redeem at a rate of 1 cent per every point. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA /SIPC. SoFi Securities LLC is an affiliate of SoFi Bank, N.A.

SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.

SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC) (www.nmlsconsumeraccess.org). For additional product-specific legal and licensing information, see SoFi.com/legal.

SoFi Invest refers to the two investment and trading platforms operated by Social Finance, Inc. and its affiliates (described below). Individual customer accounts may be subject to the terms applicable to one or more of the platforms below.

1) Automated Investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser (“SoFi Wealth“). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC.

2) Active Investing and brokerage services are provided by SoFi Securities LLC, Member FINRA/SIPC. Clearing and custody of all securities are provided by APEX Clearing Corporation.

For additional disclosures related to the SoFi Invest platforms described above, including state licensure of SoFi Digital Assets, LLC, please visit SoFi.com/legal.

Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform. Information related to lending products contained herein should not be construed as an offer or pre-qualification for any loan product offered by SoFi Bank, N.A.

SoFi Credit Cards are issued by SoFi Bank, N.A. pursuant to license by Mastercard® International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

‡ SoFi Plus is a premium membership product that gives members access to our best APY, offer discounts, rewards, and more when they set up direct deposit. Benefits are subject to change and may not be available to everyone. To learn more about SoFi Plus and all of the terms and conditions, see SoFi.com/terms-of-use/#br22-764967_sofi-plus.

† At the time of a checkout transaction using SoFi Travel, you may have the option to redeem available rewards points into qualified Travel purchases. Qualifying purchases are subject to change and may include hotels, cars, flights, and activities. Packages are excluded. No points will be earned with respect to reversed transactions, returned purchases, transactions or portions of transactions paid for with points, 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, or for a SoFi Travel purchase, your rewards points will redeem at a rate of 1 cent per every point. For more details, please visit Rewards Terms. SoFi reserves the right to change or terminate this feature at any time with or without notice.

^2x rewards points on qualifying activity: SoFi Plus members can earn double the rewards points as stated in the “Ways to earn” section of the “Membership & Rewards” page for qualifying earning activities during periods in which the SoFi Plus member has enabled Direct Deposit. 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” page.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google Inc.

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SoFi doesn’t provide tax or legal advice. Individual circumstances are unique. Consult with a qualified tax advisor or attorney about your specific needs.