How Are My Points Calculated?

Silo Rewards points are calculated based on your eligible stock and ETF holdings, eligible uninvested cash balances, the applicable Rewards rates, and the calculation and timing rules for your Rewards plan.

Silo offers two types of points earnings:

• Stocks & ETFs: Earn 0.25X points annually on the value of eligible stock and ETF holdings.
• Uninvested Cash: Earn up to 3X points annually on eligible cash balances, depending on your Rewards plan. Cash earn rates are variable and may change based on prevailing market interest rates, including the federal funds rate.

The basic annualized calculation is:

Eligible Stock & ETF Balance × 0.25 = Annualized Stock & ETF Points

Eligible Cash Balance × Applicable Cash Earn Rate = Annualized Cash Points

Both types of points count toward your plan's combined annual point cap.

Each Rewards plan has its own earning rates, annual point cap, and membership fee:

• Blue: Stocks & ETFs: 0.25X; Cash: 1X; Annual Point Cap: 50,000; Annual Fee: $95
• Gold: Stocks & ETFs: 0.25X; Cash: 2X; Annual Point Cap: 250,000; Annual Fee: $240
• Platinum: Stocks & ETFs: 0.25X; Cash: 3X; Annual Point Cap: 1,000,000; Annual Fee: $960

The cash rates above reflect currently published rates and are subject to change.

For example, a Gold Rewards member with $200,000 in eligible stocks and ETFs would earn points at an annualized rate of 50,000 points, assuming the eligible balance remains unchanged. Any additional points earned on eligible cash would count toward the same 250,000-point annual cap.

Bonds, mutual funds, and other ineligible investments do not earn Silo Points under the standard Member program.

The applicable calculation, timing, and earning rates are subject to your Rewards Agreement. Members enrolled under earlier Rewards generations may have different earning rates and terms.

Are the Rewards Rates Monthly or Annual?

Silo Rewards earning rates are expressed as annualized points rates, not monthly rates.

For example, the 0.25X stock and ETF rate represents an annualized earning rate. Points credited during an individual month are determined according to the applicable Rewards calculation, balance snapshot, and timing rules.

Cash earn rates are also annualized but are variable. Unlike the stock and ETF earn rate, which is locked for your annual membership term and may change upon renewal, cash earn rates may change during your membership based on prevailing market interest rates.

The cash earn rate is a points multiplier, not an interest rate. Silo does not pay interest on cash balances under the Rewards program.

You should not multiply your current portfolio balance by an annualized earning rate and expect that exact number of points to appear every month.

Is the Calculation Based on My Highest Balance During the Month?

No. Points are not calculated based on the highest balance your account reaches during the month.

Silo uses the applicable balance snapshot, calculation, and timing rules for your Rewards plan. A temporary increase in your account balance does not automatically mean you will earn points based on that highest balance.

Only eligible stock and ETF holdings and eligible uninvested cash balances are considered when calculating standard Rewards earnings.

Why Do My Monthly Points Vary?

Your monthly points can vary because your eligible holdings, cash balances, or applicable earning rates may change from month to month. Changes can result from:

• Deposits or withdrawals.
• Cash or investment transfers.
• Changes in the value of your eligible stocks and ETFs due to market movements.
• Purchases or sales of eligible investments.
• Changes to the variable cash earn rate.
• Reaching your annual point cap.
• Changing Rewards plans.

Because eligible balances are determined using Silo's applicable calculation and snapshot timing, the balance used for a particular month may differ from your balance at other times during the month.

What If My Portfolio Balance Increases Significantly?

There is no separate eligible portfolio balance limit under the standard Member Rewards program. Instead, each Rewards plan has a combined annual point cap.

For example, a Blue Rewards member can earn up to 50,000 points annually from eligible stocks, ETFs, and cash combined, regardless of how large their portfolio becomes.

If your eligible balance increases, you may earn additional points until you reach your plan's annual point cap.

Investments that are not eligible for Rewards, including bonds and mutual funds, do not generate points regardless of their value.

What If My Eligible Balance Decreases?

If your eligible stock and ETF holdings or eligible cash balance decreases, previously accrued points are generally not taken back simply because your balance decreased.

However, your future points calculation may be lower because the eligible balance used for the calculation is lower.

What Happens When I Reach My Annual Point Cap?

Once you reach your plan's annual maximum point limit, you will not earn additional standard Rewards points beyond that cap for the remainder of the applicable Rewards period.

The annual point caps are:

• Blue: 50,000 points
• Gold: 250,000 points
• Platinum: 1,000,000 points

These are combined caps across eligible stock and ETF earnings and eligible cash earnings.

For example, if you are a Gold Rewards member and earn 100,000 points from stocks and ETFs and 150,000 points from cash, you have reached your combined annual limit of 250,000 points. You will not earn additional standard Rewards points until a new annual Rewards period begins.

Your monthly Rewards calculation may continue to be processed, but no additional standard points can be awarded once the annual maximum has been reached.

Reaching your cap does not cause previously earned points to disappear. Existing points remain subject to the applicable Rewards terms, including redemption, expiration, and account eligibility rules.

Promotional bonuses and other special Rewards offers may have separate limits and exclusions, as specified in their applicable terms.

When Does My Point Earning Reset?

Your annual point limit resets according to your applicable Rewards membership period and the terms of your plan.

The reset does not necessarily occur at the beginning of the calendar year. Check your Rewards information or applicable Rewards Agreement to determine your specific membership period.

Does Changing Tiers Change My Point Cap?

Changing your Rewards tier may affect your cash earn rate, annual point cap, and other Rewards benefits.

Under the standard Member program, the stock and ETF earn rate is 0.25X across all three tiers, while cash earn rates and annual point caps differ by plan.

However, upgrading does not necessarily mean that previously earned points or your current annual cap will automatically be recalculated. The treatment of previously earned points and the timing of any new limits depend on the applicable Rewards plan terms.

If you are close to your annual maximum and are considering changing plans, contact Silo Support for clarification.

Are Multiple Accounts Aggregated?

Eligible accounts associated with the same SSN may be aggregated when determining Rewards eligibility, eligible balances, and applicable annual point limits.

You should not assume that each individual account receives a separate 50,000, 250,000, or 1,000,000-point annual cap.

The specific account aggregation rules are governed by the applicable Silo Rewards Agreement.

Do All Points Count Toward the Same Annual Cap?

Under the standard Member Rewards program, points earned from eligible stocks and ETFs and points earned from eligible uninvested cash count toward the same combined annual point cap.

However, promotional bonuses, referrals, and other special Rewards offers may have different earning rules, exclusions, and limits.

The applicable Silo Rewards terms determine which points count toward a particular annual cap.

Do My Points Expire?

Silo Points do not expire while you maintain an active Rewards subscription.

If you cancel all of your Silo Rewards subscriptions and your brokerage account is no longer active or in good standing, your existing points remain available for 12 months of inactivity. After that period, unused points expire.

To avoid expiration, maintain an active eligible Rewards subscription and an active brokerage account in good standing.

Why Haven't I Received My Points Yet?

Points may not appear immediately after an eligible transaction or activity. Some points require time for the transaction or activity to be processed and verified before they are added to your Rewards balance.

Your points balance may differ from your estimate because:

• Points are still processing or pending.
• The holdings, cash balance, transaction, or activity was not eligible.
• You reached your applicable annual point cap.
• The eligible balance used for the Rewards calculation differs from your expectation.
• The variable cash earn rate changed.
• Points were previously credited or adjusted.
• Additional terms or conditions apply.

If you believe you completed an eligible activity but have not received the expected points, first review your account activity and Rewards balance. If the points remain missing after the applicable processing period, contact Silo Support with relevant details such as the transaction date, transaction type, and expected points.

Cash Transfers and Withdrawals

The following information relates to moving brokerage cash and is separate from the Rewards points calculation.

How Do I Withdraw Cash From My Silo Account?

Go to the Transfers section of your Silo account, select your linked bank account, enter the amount you want to withdraw, and submit the request.

Standard withdrawals are processed and delivered to your financial institution according to standard banking timeframes.

Can I Withdraw Funds to a Different Bank Account?

Generally, funds transferred into Silo must be withdrawn back to the original originating bank account.

If you attempt to withdraw funds to a different, non-originating bank account, those funds are generally subject to a 90-day holding period before they become eligible for withdrawal to the new account.

What Is Silo's ACH Transfer Limit?

Silo has a maximum $100,000 ACH transfer limit across a rolling 7-business-day period.

The limit applies cumulatively to incoming and outgoing ACH transfers and is designed to support account protection and liquidity management.

What Are Instant Deposits?

Eligible accounts may receive up to $1,000 in instant deposits, allowing deposited funds to become available for use immediately after an eligible deposit is initiated.

However, instant deposits remain subject to a standard 4-day settlement hold before they can be withdrawn or transferred out of Silo.

When Can I Withdraw Funds From an Instant Deposit?

Funds received through an eligible instant deposit may generally be used immediately, but they cannot be withdrawn or transferred out of Silo until the applicable 4-day settlement hold has ended.

Important

Rewards calculations, earning rates, point limits, expiration rules, account aggregation, referral or promotional offers, and transfer requirements are subject to the applicable Silo agreements and terms.

Stock and ETF earning rates are generally locked for the applicable annual membership term and may change upon renewal. Cash earning rates are variable and may change during an active membership based on prevailing market interest rates, including changes in the federal funds rate.

Members enrolled under earlier Rewards generations may have different earning rates, eligibility requirements, and limits based on their applicable agreements.

If the information displayed in your account differs from this article, the applicable agreement and account-specific terms control.