Membership Generation
This Agreement applies to Early Members of the Silo Blue Rewards plan. Early Member status applies to clients whose Silo Rewards subscription began, with the first membership payment completed, between August 1, 2026 and 11:59 p.m. Pacific Time on October 31, 2026. Your account does not need to be funded by that date. Your membership generation is shown on your Silo profile next to your name. If you believe it is incorrect, contact support@silomarkets.com.
Your membership generation is set separately for each account type (for example, Individual, Roth IRA or Trust), based on the date that account’s subscription began, not the date the account is funded. If you later subscribe an additional account type, that account is placed in the generation open for new enrollment on the date its subscription begins.
The Early Member generation is closed to new enrollment. Early Member benefits continue for as long as you maintain continuous eligible membership. If you cancel and later re-subscribe, your membership may be placed under the rewards program in effect at the time you rejoin.
You may request a move to a later membership generation through Silo Support. Moves are not automatic, cannot be reversed, and may forfeit benefits available only to your current generation. Limited-time promotions or individually approved terms may supersede the standard terms of your generation where Silo has confirmed them to you in writing.
Program Overview
This Silo Blue Rewards Program Agreement (the Agreement) sets the terms and conditions for your enrollment in the Silo Blue Rewards plan (the Program). The Program is offered by Silo Rewards LLC (Silo), an affiliate of Silo Financial LLC, a registered investment adviser. Brokerage services are provided to Silo clients by Interactive Brokers LLC (IBKR), a registered broker-dealer and member of FINRA and SIPC.
Under the Blue Rewards plan, eligible clients accrue Silo Points at an annual rate equal to 0.5x of their account’s NLV on the first $50,000, resulting in a maximum of 25,000 points per year. To accrue points for any month, you must maintain a minimum NLV of $1,000 as of the last business day of that month. The Program is available exclusively to subscribed clients who maintain eligibility.
Membership Fees and Billing
The annual membership fee is $95. Any subscription that begins on or before 11:59 p.m. Pacific Time on the last day of a calendar month is eligible for a points credit in the following month, provided all other eligibility criteria are met. Membership fees are non-refundable unless Silo determines otherwise in exceptional circumstances. Clients may contact Silo Support with an explanation to request a refund. Each account type (Individual, Traditional IRA, Roth IRA, etc.) must maintain its own subscription to earn points.
Upgrades, Downgrades, and Cancellation
You may upgrade your plan at any time; the higher plan’s terms apply beginning with the next calendar month following the upgrade, and points accrual will reflect the upgraded plan starting that month. Downgrades and cancellations take effect at the end of the current billing cycle, and a final points credit for that cycle will be issued if eligibility requirements are met. After cancellation, no additional charges will occur unless you re-subscribe. Upgrading or downgrading between plans does not change your membership generation: you remain an Early Member, and the Early Member terms for your new plan apply.
Points Accrual and Crediting
Monthly points are calculated using the NLV reported by IBKR as of market close on the last business day of each month, with monthly accrual equal to the annual accrual (0.5x on $50,000 NLV) divided by 12; for example, a $45,000 NLV earns 22,500 points annually and is credited 1,875 points for that month. If your NLV is below $1,000 at month-end, no points will be credited for the following month. Your Silo account must be open and in good standing with IBKR at month-end and on the crediting date. Accrued points are credited to your Silo Points balance during the first ten days of the subsequent month.
Redemption
Silo Points are redeemable for cash at a rate of 100 points to $1, subject to a maximum cash redemption of 25,000 points per calendar month. Silo Points may also be redeemed for travel through the Silo Travel Portal at a rate of 1.0 cent per point, subject to availability and the Travel Portal’s separate terms. Cash redemption requests are generally reviewed and processed within three to five business days, though processing may be extended if additional verification is required. Cash redemptions are paid only to a bank account linked to your Silo account and held in your name. They are not deposited to your brokerage account. The monthly cash redemption limit applies per calendar month, and unused amounts do not carry over. Silo may approve a higher limit at its discretion. Travel bookings are subject to the Travel Portal’s cancellation and change policies. Silo Points may also be transferred to participating airline transfer partners as they become available, subject to separate terms and limits. Points do not expire while you maintain an active subscription. If all subscriptions are canceled and your brokerage account is no longer active or in good standing, points expire after 12 months of inactivity. Points are not property, have no cash value until redeemed under these terms, and are not transferable (beyond Silo transfer partners), assignable, or sellable.
Program Modifications and Termination
Silo retains the right to modify or terminate the Program at its discretion. In the event of terminations, members will be given thirty days written notice. If the Program is terminated, Silo will determine the date on which the current service period ends, refund a pro-rated portion of any prepaid membership fee for the unused remainder of that period, and prevent automatic renewal thereafter. Silo may withhold, reverse, or adjust points or redemptions in cases of error, ineligibility, suspected fraud or abuse, or manipulation of balances near month-end.
Taxes and Reporting
Redemptions, including cash equivalents or transfers to partners, may be taxable. Where required, Silo may report redemptions to the Internal Revenue Service on Form 1099-MISC or other applicable forms. You are responsible for any tax liabilities associated with points accruals and redemptions and should consult a tax advisor. Silo may publish additional guidance on the tax treatment of Silo Points on its website.
Disclosures and Limitations
Participation in the Program does not constitute investment advice and does not create an advisory relationship beyond standard advisory services. Information on Silo’s website is general in nature and should not be construed as a personalized recommendation or a solicitation to transact in securities. Silo does not guarantee the accuracy of performance projections or tools, including savings calculators or estimated earnings figures. This Agreement supersedes any conflicting summary, description or statement of the Program, including on Silo’s website, the Silo Membership Generations page, the Silo app, emails, or statements by Silo personnel. Terms that Silo approves for an individual member apply only to that member, only as confirmed in writing, and do not change this Agreement for anyone else.
Social Media and Promoter Disclosures
All investing involves risk, and past performance does not guarantee future results. Silo may use paid promoters, endorsements, and testimonials on platforms such as YouTube, TikTok, and Instagram. These promoters may receive flat-fee compensation or variable compensation based on the number of clients referred, which may present a conflict of interest. Silo may issue press releases or authorize coverage by third-party publishers and may compensate such publishers with cash or soft-dollar benefits, including backlinks. Additional disclosures are available at https://www.silomarkets.com/disclosures.
Contact
Questions regarding this Program may be directed to support@silomarkets.com.
Acknowledgment and Agreement
By enrolling in this Program, you confirm that you have read, understood, and agreed to all terms of this Agreement.
Silo Financial LLC is a registered investment adviser located in Austin, Texas. This Agreement is governed by the laws of the State of Texas.
