SoFi® Checking and Savings is offered through SoFi Bank, N.A. Additional information can be found at http://www.bankperks.com/r.php?url=http:// www.sofi.com...king-rate-sheet

†The following describes the terms that apply to participation in the SoFi® Checking and Savings / SoFi Money® / Samsung Money by SoFi direct deposit promotional program [“Program”] offered by SoFi Bank, N.A. [“SoFi”].

The following describes the terms that apply to participation in the SoFi the SoFi Checking and Savings direct deposit program [“Program”] offered by SoFi Bank, N.A Member FDIC[“SoFi”].

Eligible Participants: All new members who open a SoFi Checking and Savings account during the Promotion Period and all existing SoFi Checkings and Savings customers who have not previously set up Direct Deposit transactions [“Direct Deposit”] into their SoFi Checking and Savings account as of the beginning of the Promotion Period are eligible for the Program.

Promotion Period: The Program will be available from 4/5/22 12:01AM ET to 5/31/22 11:59PM ET.

Bonus Terms: In order to qualify for eligibility for a bonus, SoFi must receive at least one Qualifying Direct Deposit from an Eligible Participant during the Promotion Period. The SoFi® Bank Debit Mastercard® is issued by The Bancorp Bank 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.

1 SoFi members with direct deposit can earn up to 1.25% annual percentage yield [APY] interest on all account balances in their Checking and Savings accounts [including Vaults]. Members without direct deposit will earn 0.70% APY on all account balances in Checking and Savings (including Vaults). Deposits that are not from an employer [such as check deposits; P2P transfers such as from PayPal or Venmo, etc.; merchant transactions such as from PayPal, Stripe, Square, etc.; and bank ACH transfers not from employers] do not qualify for this promotion. No bonuses shall be paid for qualifying Direct Deposits of less than $1,000 during the Evaluation Period [defined below].

Evaluation Period: The bonus amount will vary based on the total amount of Qualifying Direct Deposits received during the Evaluation Period. Rate of 1.25% APY is current as of 04/05/2022. Qualifying Direct Deposits are defined as deposits from enrolled member’s employer, payroll, or benefits provider via ACH deposit. The amount of the bonus, if any, is described below. Interest rates are variable and subject to change at any time. The Evaluation Period is defined as 30 days from the date your first Qualifying Direct Deposit is received. For example, if you receive $1,000-$1,999 in Qualifying Direct Deposits in the Evaluation Period, you will receive a cash bonus of $50. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if inflows subsequently increase beyond the Evaluation Period.

Total Qualifying Direct Deposit amount in 30-day Evaluation Period Cash Bonus $1,000 – $1,999 $50 $2,000-$4,999 $100 $5,000 or more $300

Payment timeline: SoFi will credit members who meet qualification criteria within 14 days of the end of the Evaluation Period.

This offer cannot be combined with the SoFi Checking and Savings Direct Deposit rate discount on a SoFi personal loan. Bonuses are considered miscellaneous income, and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). SoFi reserves the right to exclude any Members from participating in the Program for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or make changes to the Program at any time.

241x based on FDIC monthly interest checking rate as of March 21, 2022.

3We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees incurred when using out-of-network ATMs are not subject to reimbursement. SoFi’s ATM policies are subject to change at our discretion at any time.

4 Overdraft Coverage is limited to $50 on debit card purchases only and is available to customers with monthly direct deposits of $1,000 or more. Members with a prior history of non-repayment of negative balances are ineligible for Overdraft Coverage.

5 Earn up to 15% cash back on local retailers. List of retailers may vary. See our terms and conditions.

^ Our account fee policy is subject to change at any time.

*Requires direct deposit of funds. Early access to direct deposit funds is based on the timing in which we receive notice of impending payment, which is typically up to two days before the scheduled payment date. Deposits in checking and savings accounts are insured up to $250,000 per depositor for each account ownership category under the FDIC’s general deposit insurance rules.

SoFi Bank, N.A., 2750 E Cottonwood Pkwy STE 300, Salt Lake City, UT 84121. Screen images simulated. BK21-68395

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