You can change plans anytime from the Rewards tab. Upgrades take effect right away. Downgrades take effect at the end of your current billing period.

Can I Downgrade/Upgrade My Rewards Tier Mid-Year?

You may be able to change your Rewards membership tier during the year, subject to the options and terms available for your Silo account. If you downgrade, it gets into effect at the end of the billing cycle. If you upgrade, you pay the prorated amount between the lower tier and the higher tier, and it is immediately in effect.

If you are currently enrolled in Gold Rewards, for example, you may be able to move to Blue Rewards if the downgrade option is available.

Is My Annual Fee Prorated?

The treatment of your annual fee depends on whether you upgrade or downgrade your Silo Rewards tier. If you upgrade, the annual fee for your new tier is prorated based on the remaining portion of your membership year, and you will be charged the applicable prorated amount. If you downgrade, the annual fee is not prorated or refunded, and your current annual fee remains in effect for the applicable membership period.

Do not assume that the difference between the two annual fees will automatically be refunded on a prorated basis. Review the terms presented when you request the downgrade or contact Silo Support to confirm whether any refund or credit applies to your specific account.

What Happens to My Rewards Points?

You retain all previously earned points. A plan change (upgrade or downgrade) only affects how future points are calculated, earned, and limited:

• Your new plan's balance cap and earning rules apply to future monthly calculations.
• Your new plan's annual maximum cap governs future earning potential.
• Benefits tied to your old plan end, and benefits of the new plan begin.

Points already in your account are never removed or forfeited due to a plan change.

What If My Rewards Balance Looks Incorrect?

If your rewards balance does not look right after a plan change, follow these troubleshooting steps:

• Check your current plan details in the Rewards tab.
• Review your recent activity statement for posted points.
• Confirm the effective date of your plan change (upgrades are immediate, while downgrades apply at the end of the billing period).
• Review your plan's earning limits and balance caps.
• Contact Silo Support if the issue persists.

Will My Other Rewards Benefits Change?

Yes. Moving to a lower tier may change or remove benefits that were available with your previous plan.

Before confirming the downgrade, review the new plan's:

• Annual fee.
• Eligible balance limit.
• Annual points cap.
• Included benefits.
• Applicable membership terms.

When Does the Downgrade Take Effect?

The effective date of a downgrade occurs after the current billing period ends. Downgrades do not result in a prorated refund, and your existing tier remains active through the end of the current billing period.

Silo should provide the applicable details when you submit or confirm the tier change. If the timing is important because of an upcoming renewal or fee, contact Silo Support before making the change.