Limited Time Welcome Bonus

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Frequent Miler Boosted Welcome Bonus

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New Silo Platinum Rewards members who sign up through the Frequent Miler affiliate link are eligible for a boosted one-time welcome bonus of up to 200,000 Silo Points. The boosted welcome bonus equals a 0.2x points multiple of the total eligible transferred amount, up to $1,000,000 in qualifying transfers, and replaces the standard 0.15x welcome bonus. All other welcome bonus eligibility requirements, transfer deadlines, and settlement conditions remain unchanged. To qualify for the boosted welcome bonus, members must sign up through the designated Frequent Miler affiliate link. No additional verification or action is required.

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Welcome Bonus

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New Silo Platinum Rewards members can earn a one-time welcome bonus of up to 150,000 Silo Points. Each person may receive one welcome bonus per Social Security number, so you are not eligible if a Silo welcome bonus has already been credited under your SSN.

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For this offer, your Bonus Month is November 2026, your Settlement Month is December 2026, and your crediting date is January 10, 2027. To earn the welcome bonus, your Silo Platinum Rewards membership must begin between November 1, 2026 and 11:59 p.m. Pacific Time on November 30, 2026. Your qualifying transfers must settle into your Silo account between November 1, 2026 and 11:59 p.m. Pacific Time on December 31, 2026. The welcome bonus will be credited on January 10, 2027, even if your transfers settle earlier.

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Qualifying transfers are ACH deposits, wires, checks, and ACATS transfers into your Silo account, as well as internal transfers from another IBKR account. If you start a transfer outside the Silo app, such as at your bank or in the IBKR portal, Silo may not be able to see it, and you should email support@silomarkets.com a confirmation of the transfer so it can be counted. A transfer that has not settled by the end of your Settlement Month is excluded from the calculation, although Silo may, at its discretion, include a late transfer if the delay was not caused by you. Transfers that are returned, reversed, or rejected are also excluded.

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The welcome bonus equals 0.15x your net qualifying transfers, counting up to $1,000,000. Your net qualifying transfers are the settled value of your qualifying transfers, minus any withdrawals or outgoing transfers from your Silo accounts between the start of your Bonus Month and the crediting date. Cash is counted at the amount received or withdrawn, and securities are counted at their market value on the date they settle into or leave your account. Moving money between your own Silo accounts is not treated as a withdrawal. For example, if you transfer $400,000 and make no withdrawals, your welcome bonus will be 60,000 Silo Points.

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The welcome bonus is calculated across all Silo account types held under your SSN, including individual, IRA, trust, and other accounts. If you hold active memberships on more than one Silo Rewards plan, you will receive a single welcome bonus, calculated under whichever plan produces the larger amount.

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To receive the welcome bonus, your membership must be active and your Silo account must be open and in good standing on the crediting date. Welcome bonus points are separate from, and do not count toward, the annual and monthly maximums described in Points Accrual and Crediting. Once credited, they are Silo Points and are governed by the Redemption and Taxes and Reporting sections of this Agreement.

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This offer does not affect your participation in other Silo offers or reimbursement programs.

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Program Overview

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This Silo Platinum Rewards Program Agreement (the Agreement) sets the terms and conditions for your enrollment in the Silo Platinum 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.

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Under the Platinum Rewards plan, eligible clients accrue Silo Points at the following annual rates:

• U.S. exchange-listed stocks and ETFs: 0.25x the market value of eligible stock and ETF positions
• Cash: 3x the eligible cash balance

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Points from stocks, ETFs, and cash count toward a single combined maximum of 1,000,000 points per year and 83,334 points per month. The cash earn rate does not create a separate rewards allowance. Fixed income securities, mutual funds, and all other asset types do not accrue points. To accrue points for any month, you must maintain a minimum NLV of $25,000 as of the last business day of that month. The Program is available exclusively to subscribed clients who maintain eligibility.

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Eligible cash balances earn Silo Points at the cash earn rate only. The cash earn rate is a points multiplier, not an interest rate, and Silo does not pay interest on cash balances. The stock and ETF earn rate is locked in for the duration of each annual membership term, but may change upon renewal to reflect the then-current rates and terms offered by Silo. The cash earn rate and annual and monthly maximums are subject to change at Silo’s discretion in accordance with the Program Modifications and Termination section. The cash earn rate in particular is variable and depends on prevailing market interest rates; Silo may adjust it at any time in response to changes in the federal funds rate or other benchmark rates.

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“Eligible cash balance” means the settled cash balance held in your Silo brokerage account at IBKR. “Eligible stock and ETF positions” means stocks and exchange-traded funds listed on a U.S. national securities exchange and held in your Silo brokerage account. Securities that are not listed on a U.S. exchange, including over-the-counter securities, are not eligible.

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Membership Fees and Billing

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The annual membership fee is $960. 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.

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Upgrades, Downgrades, and Cancellation

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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.

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Points Accrual and Crediting

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Monthly points are calculated using the values reported by IBKR as of market close on the last business day of each month, with monthly accrual equal to the annual accrual divided by 12. The annual maximum also applies on a monthly basis: points credited for any month are capped at one-twelfth of the annual maximum (83,334 points), regardless of the value of your eligible holdings. For example, a Platinum member holding $1,000,000 in eligible stocks and ETFs and $100,000 in eligible cash earns 550,000 points annually (250,000 from stocks and ETFs plus 300,000 from cash) and is credited 45,834 points for that month. If your NLV is below $25,000 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.

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Redemption

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Silo Points are redeemable for cash at a rate of 100 points to $1, subject to a maximum cash redemption of 100,000 points per calendar month. Silo Points may also be redeemed for travel through the Silo Travel Portal at a rate of 1.3 cents 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.

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Program Modifications and Termination

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Silo may modify or terminate the Program at its discretion, including changes to earn rates, annual and monthly maximums, redemption rates, eligibility requirements, and membership fees. Silo will give at least thirty days’ notice of any material modification or termination by email or by posting on the Silo platform. Notice may be shorter, or not given in advance, where a change is required by law or where the cash earn rate is adjusted in response to changes in market interest rates.

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Modifications apply prospectively and do not reduce points already credited to your balance. If the Program is terminated, Silo will set the end date of your current service period, refund a pro-rated portion of any prepaid membership fee for the unused remainder, and will not renew your membership.

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Notwithstanding the above, 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.

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Taxes and Reporting

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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.

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Disclosures and Limitations

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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.

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Social Media and Promoter Disclosures

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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.

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Contact

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Questions regarding this Program may be directed to support@silomarkets.com.

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Acknowledgment and Agreement

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By enrolling in this Program, you confirm that you have read, understood, and agreed to all terms of this Agreement.

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Silo Financial LLC is a registered investment adviser located in Austin, Texas. This Agreement is governed by the laws of the State of Texas.