Today: The first 1,000 new SoFi Plus members get a smoothie on us 🥤

Get $10 in rewards points for your daily pick-me-up.

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Wouldn't a smoothie hit right now? SoFi has got you covered. We've been blending up something special: Use the link in this email to be one of the first 1,000 people to subscribe to SoFi Plus today and get $10 in rewards points1 you can use for a pick–me–up on us. Offer ends 6/13.     Treat yourself—and your money—to an upgrade with SoFi Plus.     It's SoFi's new premium membership, unlocking $1,000+ in annual value with qualifying activities.2     Our highest APY on SoFi Bank savings.3     Rate discounts on personal loans4 and student loan refis.5     Exclusive access to live music experience and sporting event ticket offers and giveaways.6     Plus, so much more—for just $10 a month7 or at no cost with eligible direct deposit. Get in the mix for yourself.     Get SoFi Plus       Have questions? Contact us   Download the SoFi app   SoFi Plus: SoFi Plus is a premium membership that gives members access to our best APY, discounts, rewards, and more when they set up Eligible Direct Deposit or pay the SoFi Plus Subscription Fee. Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of SoFi Plus apply. To learn more about SoFi Plus and available benefits and terms, please see the SoFi Plus page. 1PARTICIPATING IN THE SOFRIDAYS PROMOTION ("PROMOTION") CONSTITUTES YOUR ACCEPTANCE OF THESE OFFICIAL RULES. BY PARTICIPATING IN THE PROMOTION, YOU REPRESENT AND WARRANT YOU MEET THE ELIGIBILITY REQUIREMENTS STATED HEREIN AND ACKNOWLEDGE THAT FAILURE TO MEET ALL ELIGIBILITY REQUIREMENTS WILL RESULT IN DISQUALIFICATION. SOFI RESERVES THE RIGHT TO MODIFY OR TERMINATE THIS PROMOTION AT ANY TIME. PROMOTION PERIOD: This Promotion is valid for a limited time between May 23, 2025 at 12:00 AM PT and June 27, 2025 at 11:59 PM PT (the "Promotion Period"). This offer is only valid on select Fridays between 12:00 AM PT and 11:59 PM PT during the Promotion Period on which SoFi distributes Promotion marketing materials indicating a prize giveaway ("Eligible Fridays"). SoFi reserves the right to exclude certain Fridays from this Promotion at any time. ELIGIBILITY: This Promotion is limited to the first 1,000 new SoFi Plus members who successfully sign up for SoFi Plus between 12:00 AM PT and 11:59 PM PT on Eligible Fridays during the Promotion Period through the Promotion link by following the steps outlined below. Users who have previously enrolled in this Promotion or previously signed up for SoFi Plus are not eligible. This Promotion may not be combined with other SoFi Plus welcome offers. All terms and conditions applicable to the use of SoFi Plus apply. HOW TO ENTER: During the Promotion Period from 12:00 AM PT to 11:59 PM PT on Eligible Fridays, please follow the steps below: Follow the Promotion link and instructions provided in the promotional material you received or viewed to complete and submit the registration form to sign up for SoFi Plus. You can join SoFi Plus in one (1) of two (2) ways: Open a Checking or Savings account with SoFi bank and receive an Eligible Direct Deposit. You will be eligible for the giveaway when SoFi Bank detects your Eligible Direct Deposit (as defined in the SoFi Plus Terms and Conditions) into your SoFi Checking or Savings account. Due to the inherent delay in the direct deposit schedule, if you open a Checking or Savings account with SoFi Bank prior to the end of the Promotion Period, you will have a grace period within 35 days of the Eligible Friday until 11:59 PM PT, for SoFi Bank to detect your Eligible Direct Deposit. This grace period is only for those who have signed up for direct deposit to their new checking or savings account. Subscribe to SoFi Plus by paying the SoFi Plus Subscription Fee of $10 every 30 days. Subscribers are billed every 30 calendar days based on the initial date of subscription. Subscribers must make one successful payment in order to be eligible to earn 1,000 SoFi rewards points. Once you have successfully signed up for SoFi Plus, and meet the eligibility criteria outlined above, no further action is required. CONDITIONS ON CLAIMING A PRIZE: All prizes will be paid out in the form of SoFi rewards points, regardless of the promotional representation. In the event of a joint account, only the primary account holder is eligible for the rewards points payout. To learn more about SoFi Member Rewards, please see the Rewards page. PRIZE PAYMENT TIMELINE: SoFi will credit 1,000 SoFi rewards points to the first 1,000 members who meet the eligibility criteria on an Eligible Friday within 60 days of the qualifying Eligible Friday in the Promotion Period. OTHER IMPORTANT DETAILS: SoFi reserves the right to exclude any members from participating in this Promotion for any reason, such as suspected fraud, misuse, or suspicious activity. 2$1,000 Value of SoFi Plus membership: The value of a SoFi Plus membership varies depending on benefits used and there is no guarantee you will reach any specific value. $1,000 value assumes a SoFi Plus member uses the following benefits in the year: $6,000 deposited in a high yield savings account, $27,000 spent on the SoFi Unlimited 2% Credit Card, and one additional annual session (beyond the basic benefit) with a financial planner. Other benefits may be available. Rewards points redeem at a rate of 1 cent per every point. SoFi Plus member must be approved for a SoFi Credit Card in order to receive the corresponding benefit. Savings and spend assumptions are based on median activity from existing SoFi Plus members for the period of 10/16/2023 - 10/16/2024. SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. 3SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus. When you open a SoFi Savings Account, SoFi Bank will also automatically open a SoFi Checking Account in your name. See the SoFi Bank Deposit Account Agreement for details. 4SoFi Plus members are eligible to receive an additional (0.25%) interest rate reduction on Personal Loans by setting up Eligible Direct Deposit (defined below and when recognized by SoFi) into an eligible SoFi Checking and Savings account offered by SoFi Bank, N.A. (a "Direct Deposit Account"), or paying the SoFi Plus Subscription Fee. To be eligible to receive the interest rate reduction for setting up Eligible Direct Deposit, you must have an open and eligible SoFi Checking and Savings account within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Eligible Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi's reasonable procedures and requirements to be determined at SoFi's sole discretion. Eligible Direct Deposit means a recurring deposit of regular income to an account holder's SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder's employer, payroll or benefits provider or government agency ("Eligible Direct Deposit") via the Automated Clearing House ("ACH") Network during a 30-Day Evaluation Period (as defined below). Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're receiving the Personal Loan discount, we encourage you to check your SoFi Plus status in the Membership & Rewards Center the day after your Eligible Direct Deposit arrives. If your SoFi Plus status is not reflected in the Membership & Rewards Center, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start receiving the Personal Loan discount from the date you contact SoFi for the rest of the current 30-Day Evaluation Period. You will also be eligible for the Personal Loan discount on future Eligible Direct Deposits, as long as SoFi Bank can validate them. Deposits that are not from an employer, payroll or benefits provider, or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. SoFi Bank shall, in its sole discretion, assess each account holder's Eligible Direct Deposit activity to determine eligibility and may require additional documentation to complete this verification. The 30-Day Evaluation Period refers to the "Start Date" and "End Date" set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the "30-Day Evaluation Period"). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. SoFi Plus member benefits will be lost during periods in which the customer has turned off Eligible Direct Deposit into their account. If you are a joint account holder of a SoFi Checking and Savings account and either you or your joint account holder receives Eligible Direct Deposit into your SoFi Checking and Savings account, then you will be eligible for all SoFi Plus benefits, including on accounts you hold in your own name. To be eligible to receive the interest rate reduction by paying the SoFi Plus Subscription Fee, you must pay the SoFi Plus Subscription Fee within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Eligible Direct Deposit to your SoFi Checking and Savings account or in which you have not paid the SoFi Plus Subscription Fee. You are not required to enroll in Eligible Direct Deposit to receive a loan. 5 SoFi Plus Discount: To be eligible to receive an additional (0.125%) interest rate reduction on your Student Loan Refinancing (your "Loan") for enrolling in SoFi Plus, you must enroll in SoFi Plus within 30 days of Loan funding, either by receiving an Eligible Direct Deposit to your SoFi Checking and Savings account, or by paying the SoFi Plus Subscription Fee. Once eligible, you will receive this discount during periods in which you have received Eligible Direct Deposit to your SoFi Checking and Savings Account, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount lowers your interest rate but does not change the amount of your regular monthly payment. This discount will be removed during periods in which SoFi determines you have turned off Eligible Direct Deposit to your Checking and Savings account or in which you have not paid the SoFi Plus Subscription Fee. SoFi reserves the right to change or terminate this interest rate reduction offer for unenrolled participants at any time without notice. You are not required to enroll in Eligible Direct Deposit or to pay the SoFi Plus Subscription Fee to be eligible for Loan approval. Eligible Direct Deposit means a recurring deposit of regular income to an account holder's SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder's employer, payroll or benefits provider or government agency ("Eligible Direct Deposit") via the Automated Clearing House ("ACH") Network during a 30-Day Evaluation Period (as defined below). Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're receiving the Student Loan Refinance discount, we encourage you to check your SoFi Plus status in the Membership & Rewards Center the day after your Eligible Direct Deposit arrives. If your SoFi Plus status is not reflected in the Membership & Rewards Center, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start receiving the Student Loan Refinance discount from the date you contact SoFi for the rest of the current 30-Day Evaluation Period. You will also be eligible for the Student Loan Refinance discount on future Eligible Direct Deposits, as long as SoFi Bank can validate them. Deposits that are not from an employer, payroll or benefits provider, or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. SoFi Bank shall, in its sole discretion, assess each account holder's Eligible Direct Deposit activity to determine eligibility and may require additional documentation to complete this verification. The 30-Day Evaluation Period refers to the "Start Date" and "End Date" set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the "30-Day Evaluation Period"). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. SoFi Plus member benefits will be lost during periods in which the customer has turned off Eligible Direct Deposit into their account. If you are a joint account holder of a SoFi Checking and Savings account and either you or your joint account holder receives Eligible Direct Deposit into your SoFi Checking and Savings account, then you will be eligible for all SoFi Plus benefits, including on accounts you hold in your own name. 6Member in-person experiences: Unless otherwise specified, you must be a SoFi Plus member or guest of a SoFi Plus member to attend a SoFi Member In-Person Experience (a "Member Experience"). By signing up for a Member Experience, you acknowledge that SoFi may record or photograph the Member Experience (including you, your likeness and voice) and may use such recordings or photographs publicly or privately in any form of media, including for commercial purposes. By attending a Member Experience, you consent to the recording and photographing of such Member Experience and grant SoFi an unrestricted, perpetual, non-excluding, and sublicensable license, to take, use, display, perform, distribute or exploit for any lawful and commercial purpose any recordings or photographs. By attending a Member Experience, you also agree that you will make no monetary or other claim against SoFi for the use of the recordings or photographs. If you do not agree, please do not claim a ticket and do not attend the event. We believe our community should be truly open for everyone. As such, we are committing to providing a friendly, safe, and welcoming environment for all regardless of gender, sexual orientation, disability, race, ethnicity, national origin, age, or religion. View the SoFi Experiences Code of Conduct. 7$10 subscription fee: Subscribers are billed every 30 calendar days based on the initial date of subscription. SoFi Technologies, Inc. values your privacy and the security of your personal information so please do not include sensitive personal information, such as your Social Security number, in any email or letter that you send to us. SoFi Technologies, Inc. 234 1st St., San Francisco, CA 94105 Unsubscribe | Privacy Policy | Licenses © 2025 SoFi Technologies, Inc. All rights reserved. MB25-2613550-B1