Exhibit A
Exhibit B
Refi your Student Loans today Members,save an average of$19k
Exhibit C FIND YOUR RAT£ >
Exhibit D
Exhibit E
Savin ·. our mem • ers an average of $316/month.
Exhibit F
Exhibit G
San Francisco, CA 94129 94129 CA Francisco, San | 4700 Suite | A Building Drive, Letterman One | SoFi
PRSRT STD Don't Bank Oee U.S. POSTAGE PAID SoFi Ii~ CAROL STREAM, IL PERMIT N0. 35
Refinance student loans with lower rates!
Variable Rates % as low as2.14 APR* Fixed Rates as low as 3.50% APR*
*With AutoPay; see details inside. 0416-SL-OE-A
Job Name: 0416_SL_OE_A Description: SLR April OE A Prints: 3/0 (RRD_FG0222 (SoFi Navy), Black, RRD_FG0230 (SoFi Light Blue)) Modification:February 26, 2016 1:52 PM Size: #10 - 11” x 9.1523” (Flat) 4.125” x 9.5” (Finished) M-ERKLE Stock: 70# Gloss Release Date Acct. Writer Creative Studio Window Size: 4.25”x .375” FL: .625” FB: .625” K. Condron 8.375"
3.5” in federal and private in federal $8 billion and start saving today at today and start saving SoFi.com/XXXXXXXXXX Refinance your student loans Refinance your eligible for deferred payments or job eligible for deferred payments search assistance.* includes interview coaching, resume and negotiating tactics.* review, to start new companies while deferring for 6 months.* payments over student loan debt. fees and no pre-payment penalties. fees and no pre-payment SoFi has already refinanced has already refinanced SoFi If you become unemployed, you may be may you become unemployed, If you Access to our career support center that enable qualified entrepreneurs even We no no catch. SoFi loans have There’s
Please see SoFi.com for terms and conditions. Unemployment Please see SoFi.com for terms and conditions. Unemployment benefits are offered in three-month increments and capped at the life of loan. 12 months, in aggregate, over About SoFi as a savings enjoy You’ll more as a customer and even member of the SoFi community! • • • • • *
SLIT SLIT & NEST & NEST
SLIT SLIT & NEST & NEST o•• Reduce the Cost of Your Student Debt SoFi Ii~ Refinance, make one monthly payment, save thousands Apply online at SoFi.com/XXXXXXXXXX Confirmation #: S0416X-<12345678> Limited-time offer ends XX/XX/XXXX 3.75" Firstname Lastname 12345 Any Street Any City, ST 12345-1234
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Dear XXXXX,
FOLD Have you seen what many financial experts are saying about student loans FOLD like yours? You can save money by refinancing — and enjoy the convenience SoFi’s Current Rates of combining your student loans into one low monthly payment. Plus, you’re Multiple loan terms available already pre-selected for a loan. Apply in less than two minutes. Save thousands. Variable Rates with AutoPay You can choose to reduce your monthly payment now or save more money over the long term, and sometimes accomplish both, depending on your debt. % There are no application or origination fees and no pre-payment penalties. 2.14 APR * How much can you save? SoFi customers average over $18,936^ in savings during the lifetime of ranging up to 6.19% APR* 3.75" their loan by refinancing. That’s cash in your pocket — available for investing, vacations, buying a home, whatever. Fixed Rates with AutoPay We refinance both federal and private student loans. Apply today! SoFi is not “too good to be true.” We reduce student loan costs for thousands % of working professionals like you every day. Apply online today to start saving money on your student debt. 3.50 APR * Sincerely, ranging up to 7.99% APR*
FOLD FOLD Mike Cagney Apply online at Co-Founder & CEO SoFi.com/XXXXXXXXXX
P.S. You’re already pre-selected for a loan, so visit Confirmation #: SoFi.com/XXXXXXXXXX by XX/XX/XXXX. S0416X-<12345678>
Offer ends XX/XX/XXXX
3.5" *See reverse for important terms. See enclosure for more information about SoFi. Notice: SoFi’s Refinance Loan is a private loan. Understand that when you refinance federal loans, you forfeit certain flexible repayment options. If you expect to incur financial hardship that would affect your ability to repay, you should consider federal consolidation loan options.
You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1-888-5-OPTOUT (1-888-567-8688). See PRESCREEN AND OPT-OUT NOTICE on the other side for more information about prescreened offers.
0416-SL-LTR-A LSR-X
Job Name: 0416-SL-LTR-INS-A-LSR-ADEHIU Prints: 3/3 Description: SLR April Letter and insert Control A (LSR: ADEHIU) (RRD_FG0222 (SoFi Navy), Black, RRD_FG0230 (SoFi Light Blue)/Same) Modification:March 15, 2016 4:05 PM Flat Size: 8.375” x 15” Finished Letter Size: 8.375”x11” Finished Buckslip Size: 3.5”x8.375” M-ERKLE Folds to: 8.375” x 3.75” Stock: 70# Matte Release Date Acct. Writer Creative Studio Folds: 3.875”, 7.75”, 11.50” K. Condron Comments: Slit & Nest, Bleeds 3 sides Personalization (April): Duplex 8.375" application process, and exceptional customer service.” ingredient in the ‘do well by doing good’ aspect of their mission. Save a fortune in interest if you to refi qualify “They’re offering something these retail banks aren’t Its 100,000 or so borrowers are ‘members,’ invited offering, which is an enhanced approach to lending offering, which is an enhanced approach to lending You will have great things to say, too. smothers customers with personalised service. service. smothers customers with personalised through a combination of better rates, a simple What financial experts SoFi.com/XXXXXXXXXX are saying about SoFi “SoFi stands for ‘social finance’ — a key “To distinguish itself from banks, SoFi your college or grad student loans.” to parties thrown by the firm.” Contact us today! SoFi Economist YAHOO/ HUFFINGTON FINANCE POST The THE
3.5" o•• I i ~
SLIT SLIT & NEST & NEST
SLIT SLIT & NEST & NEST SoFi Student Loan Refinance — Frequently Asked Questions
What is a direct consolidation loan? Who should refinance? A Direct Consolidation Loan is a government program that allows you Refinancing is a great solution for working graduates who have to combine multiple federal education loans into a single loan. The high-interest, unsubsidized Direct Loans, Graduate PLUS loans, and/ resulting interest rate is a weighted average of your prior loan rates. or private loans. Federal loans do carry some special benefits, for Refer to www.sofi.com/consolidate-student-loans-vs-refinance for example, public service forgiveness, income-based repayment, and more information. economic hardship programs, that may not be accessible to you after you refinance. Check out this blog post that provides more information: What is the AutoPay discount? When to Consolidate Federal and Private Loans through Refinancing 3.75" The AutoPay discount is a 0.25% interest rate reduction on loans (www.sofi.com/blog/student-loan-smarts-consolidate-federal-private- in which you authorize the loan servicer to automatically deduct loans). Or, call us for a free consultation about your particular situation. monthly payments from any bank account you choose. Am I eligible for a SoFi Refinance loan? Can I refinance previously consolidated loans with SoFi? To be eligible for a SoFi loan, you must be a U.S. citizen or permanent Yes. Whether you previously consolidated federal loans through resident, reside in one of our eligible states, and have graduated from the government’s Direct or FFEL consolidation programs or you a selection of Title IV accredited university or graduate programs. did a consolidation loan with a private lender, you can still apply to Loan eligibility also depends on a number of additional factors, such refinance the consolidated loan through SoFi just the way you could as your credit score, your income, and employment status. Please with any other federal or private loan. review our Eligibility Criteria or call us for further details.
When is the best time to refinance? Is it possible to refinance both federal and private student loans? FOLD The earlier you refinance to a lower loan rate, the more money you Yes, you can refinance both federal loans and private loans with SoFi. FOLD will save. Even if you are in your grace period, interest accrues for unsubsidized federal loans. SoFi will honor any existing grace period of What is the minimum and maximum amount I can borrow with SoFi? the loans you refinance with us. The minimum amount is $5,000 (and may be higher in certain states due to legal requirements). The maximum amount is the full balance of your qualified education loans.
Check online to see additional FAQs Get your rates and see what you’ll save in less than two minutes. Visit SoFi.com/XXXXXXXXXX today! 3.75" Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. To qualify, a borrower must be a U.S. citizen or permanent resident and meet SoFi’s underwriting requirements. SoFi loans not offered to residents of Nevada. Other state restrictions may apply. This information is current as of March 14, 2016, and is subject to change based on market conditions and borrower eligibility. SoFi loans are originated by SoFi Lending Corp. (dba SoFi), California Finance Lender #6054612. NMLS #1121636.
PRESCREEN AND OPT-OUT NOTICE: You received this “prescreened” offer of credit because we used information from your credit report to determine that you satisfied certain criteria. This offer is not guaranteed if you no longer meet our criteria used to screen you for this offer, you do not meet additional credit criteria needed to be creditworthy for this offer or you add a joint applicant. We are allowed by law to prescreen you for these offers. However, if you do not want to receive prescreened offers of credit from us and other companies, you may exercise the right to not be included on prescreened lists by calling the consumer reporting agencies toll-free at 1-888-5OPT-OUT (1-888-567-8688); or writing to: Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123, TransUnion, Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505, Experian Consumer Opt Out, P.O. Box 919, Allen, TX 75013.
Refinance Loans FOLD Your existing student loan(s) must total a minimum of $5,000 to be eligible for refinancing. Minimum loan amount may be higher in specific states due to legal FOLD requirements. Fixed rates from 3.50% APR (with AutoPay) to 7.99% APR (without AutoPay) depending on loan term selected, your credit and other factors. Variable rates currently from 2.14% APR (with AutoPay) to 6.19% APR (without AutoPay). Interest rates on 5, 7, and 10-year terms are capped at 8.95% APR, 15 and 20-year terms are capped at 9.95% APR to the extent permitted under law. Interest rates on variable-rate loans vary based on loan term selected, your credit and other factors. Variable-rate caps may be lower in some states due to legal requirements and may impact your eligibility to qualify for a SoFi loan. SoFi rate ranges are current as of March 14, 2016 and are subject to change based on market conditions and borrower eligibility. Variable 2.14% APR (with AutoPay) assumes current 1-month LIBOR rate of 0.44% plus 1.70%. Few applicants qualify for the lowest rate. To qualify for the lowest rate, you must have excellent credit and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on the term you select and a variety of factors, including credit usage and history, years of experience, income and other factors. For the SoFi variable-rate product, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and changed monthly. APRs for variable-rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.
3.5" ^Lifetime Savings Average savings calculation is based on all SoFi members who refinanced their student loans between 1/1/15 and 12/31/15. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members who refinanced their student loans. SoFi’s average savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (projections for variable rates are static at the time of the refinancing and do not reflect actual movement of rates in the future), 2) members make all payments on time, 3) members do not prepay loans, 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans, 2) the term length of the SoFi loan is greater than 25 years, 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average savings amount and to minimize the risk of member data error skewing the average savings amount.
© 2016, Social Finance, Inc. All rights reserved. SOFI LENDING CORP. REFI EDUCATION LOAN APPLICATION AND SOLICITATION DISCLOSURE VARIABLE RATE LOAN Loan Interest Rate & Fees Federal Loan Alternatives and Disclosure Regarding Benefits Reference Notes Your starting interest rate will be between Loan Program Current Interest Rates by Program Type Disclosure Regarding Federal Loans • See your loan agreement for important disclosures about the consequences of and PERKINS for Students 5.00% fixed 2.39% 6.19% refinancing federal student loans in this SoFi Lending Corp. ReFi Education Loan. After the starting rate is set, your rate will then vary with the market. DIRECT LOANS for 4.29% fixed Undergraduate Subsidized Students 4.29% fixed Undergraduate Unsubsidized Variable Interest Rate Your starting interest rate (upon approval) 5.84% fixed Graduate Unsubsidized • This loan has a variable interest rate that is based on a publicly available index, the 1-month The starting interest rate you pay will be determined after you apply. It will be based on your London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a credit history and other factors (co-signer credit, term of your loan, etc.). If approved, we will PLUS for Graduate/ 6.84% fixed Federal Direct PLUS margin between 1.95% and 5.75% to the 1-month LIBOR. notify you of the rate you qualify for within the stated range. Professional Students Your interest rate during the life of the loan • The rate will not increase more than once per month. The maximum rate for your loan is Your rate is variable. This means that your rate could move lower or higher than the rates on this PLUS for Parents 6.84% fixed Federal Direct PLUS 8.95% if your loan term is five, seven, or 10 years or 9.95% if your loan term is 15 or 20 years. form. The variable rate is based upon the 1-month LIBOR rate (as published in The Wall Street Journal). For more information on this rate, see the Reference Notes. You may qualify for federal education loans. AutoPay Discount For additional information, contact your school’s financial aid office or the Department of • If you make monthly principal and interest payments by an automatic, monthly deduction Although the interest rate will vary after you are approved, the interest rate will never Education at studentaid.ed.gov. from a savings or checking account, the Variable Rate will be reduced by one-quarter of one exceed 8.95% for the 5-year, 7-year, and 10-year terms. For the 15-year and 20-year term • Private education loans are not eligible to be included in a Federal Direct Consolidation Loan. percent (0.25%) for so long as you continue to make such automatic, electronic monthly product, the interest rate will never exceed 9.95% (the maximum rates for these loans). payments. This benefit is suspended during periods of deferment and forbearance. Loan Fees • You may be able to consolidate your outstanding federal loans into a Federal Direct Borrower Eligibility Criteria Application Fee: $0 Consolidation Loan. The current interest rate for a Federal Direct Consolidation Loan is • Must be a U.S. citizen or permanent resident alien without conditions and with proper Origination Fee: 0% — the fee that we charge to make this loan the weighted average of the interest rates being consolidated rounded up to the nearest one-eighth of one percent. evidence of eligibility. Loan Guarantee Fee: 0% Repayment Fee: 0% • Think carefully before taking out a SoFi Lending Corp. ReFi Education Loan to pay off • Must be 21 or older at the time of loan application. your federal loans. If you refinance your federal loans through this SoFi Lending Corp. Late Charge: 4% of the amount of the past due payment or $5, whichever is less • Must have graduated from a SoFi-eligible school and program of study. Returned Check Charge: $10 ReFi Education Loan, you will not be able to select income-based repayment or other flexible payment plans that are available to federal student loan borrowers. In addition, federal • Must reside in a state in which SoFi is authorized to lend. Loan Cost Example student loans offer deferment and forbearance options that are not available to you if you take The total amount you will pay for this loan will depend on the actual amount required to pay off out a SoFi Lending Corp. ReFi Education Loan. Co-Signers the loans you select for consolidation. • Must be 21 or older at the time of loan application. • See studentaid.ed.gov/types/loans/federal-vs-private for a description of the benefits and Repayment Option Amount Interest Loan Term Total Paid repayment options available to federal student loan borrowers. Bankruptcy Limitations Provided Rate (how long you Over Entire • If you file for bankruptcy you may still be required to pay back this loan. (amount paid (highest have to pay off Loan Term Next Steps to others on possible the loan) More information about loan eligibility and repayment deferment or forbearance (includes 1. Find out about other loan options your behalf) starting rate) associated fees) options is made available in your agreement. The Federal Direct Consolidation Loan may have student loan benefits and terms not detailed MAKE FULL PAYMENTS $10,000.00 5.190% 5 years $11,375.04 on this form. Contact your school’s financial aid office or visit the Department of Education’s Pay both the principal starting after your website at www.loanconsolidation.ed.gov for more information about other consolidation and interest first payment loans. MAKE FULL PAYMENTS $10,000.00 5.320% 7 years $11,999.20 Pay both the principal starting after your 2. To apply for this loan, complete the application and interest first payment If you are approved for this loan, the loan terms will be available for 30 days (terms will not MAKE FULL PAYMENTS $10,000.00 5.570% 10 years $13,064.82 change during this period, except as permitted by law). Pay both the principal starting after your and interest first payment MAKE FULL PAYMENTS $10,000.00 5.940% 15 years $15,131.14 Pay both the principal starting after your and interest first payment MAKE FULL PAYMENTS $10,000.00 6.190% 20 years $17,458.45 SOFI LENDING CORP. Pay both the principal starting after your California Finance Lender License No. 6054612 first payment o•• and interest One Letterman Drive, Building A •o• Suite 4700 About this example The repayment example is based on the Loan Amount and Loan Term shown in the above table. ••o San Francisco, CA 94129 It is based on the highest starting rate currently charged and associated fees. The example SoFi Lending Corporation assumes that the borrower begins repayment one month after disbursement. 0416-SL-INS2-A
I I Job Name: 0416_SL_INS2_A Description: SLR April Insert 2 Prints: 1/1 (Black) Modification:March 15, 2016 3:01 PM Size: 11” x 8.5” (Flat) 8.5” x 3.6875” (Folded) M-ERKLE Stock: 60# White Offset Release Date Acct. Writer Creative Studio Folds: F1: 3.667” F2: 7.4375” K. Condron SOFI LENDING CORP. REFI EDUCATION LOAN FIXED RATE APPLICATION AND SOLICITATION DISCLOSURE Loan Interest Rate & Fees Federal Loan Alternatives and Disclosure Regarding Benefits Reference Notes Your interest rate will be between Loan Program Current Interest Rates by Program Type Disclosure Regarding Federal Loans • See your loan agreement for important disclosures about the consequences of and PERKINS for Students 5.00% fixed 3.75% 7.99% refinancing federal student loans in this SoFi Lending Corp. ReFi Education Loan. After the rate is set, it will be fixed for the entire term of the loan. DIRECT LOANS for 4.29% fixed Undergraduate Subsidized Students 4.29% fixed Undergraduate Unsubsidized Interest Rate Your interest rate (upon approval) 5.84% fixed Graduate Unsubsidized • Your interest rate will depend on the loan term that you select. The interest rate you pay will be determined after you apply. It will be based upon your credit PLUS for Graduate/ history, the loan term you select, and other factors. If approved, we will notify you of the rate 6.84% fixed Federal Direct PLUS Repayment Options you qualify for, which will be between 3.75% and 7.99%. Professional Students • This SoFi Lending Corp. ReFi Education Loan does not have a grace period. Monthly payments of principal and interest begin the month after the loan proceeds are disbursed unless we grant Your interest rate during the life of the loan PLUS for Parents 6.84% fixed Federal Direct PLUS you a deferment and align your repayment begin date to the expiration of the grace period on Your rate is fixed. This means that your interest rate will never change during the life of your the federal student loans that you are refinancing with us. You understand that interest will loan. For more information on this rate, see the Reference Notes. You may qualify for federal education loans. continue to accrue during this deferment period and that accrued interest will be capitalized at For additional information, contact your school’s financial aid office or the Department of the end of this deferment period. Your interest rate will not vary after you have been approved. Education at studentaid.ed.gov. Loan Fees • Private education loans are not eligible to be included in a Federal Direct Consolidation Loan. AutoPay Discount Application Fee: $0 • If you make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account, the Fixed Rate will be reduced by one-quarter of one percent Origination Fee: 0% — the fee that we charge to make this loan • You may be able to consolidate your outstanding federal loans into a Federal Direct (0.25%) for so long as you continue to make such automatic electronic monthly payments. Loan Guarantee Fee: 0% Consolidation Loan. The current interest rate for a Federal Direct Consolidation Loan is the weighted average of the interest rates being consolidated rounded up to the nearest This benefit is suspended during periods of deferment and forbearance. Repayment Fee: 0% one-eighth of one percent. Late Charge: 4% of the amount of the past due payment or $5, whichever is less Borrower Eligibility Criteria • Must be a U.S. citizen or permanent resident alien without conditions and with proper Returned Check Charge: $10 • Think carefully before taking out a SoFi Lending Corp. ReFi Education Loan to pay off your federal loans. If you refinance your federal loans through this SoFi Lending Corp. evidence of eligibility. Loan Cost Examples ReFi Education Loan, you will not be able to select income-based repayment or other flexible payment plans that are available to federal student loan borrowers. In addition, federal • Must be 21 or older at the time you apply. The total amount you will pay for this loan will depend on the actual amount required to pay student loans offer deferment and forbearance options that are not available to you if you take • Must have graduated from a SoFi-eligible school and program of study. off the loans you select for consolidation and the loan term that you select from five options: out a SoFi Lending Corp. ReFi Education Loan. 5, 7, 10, 15, or 20 years. • Must reside in a state in which SoFi is authorized to lend. • See studentaid.ed.gov/types/loans/federal-vs-private for a description of the benefits and Repayment Option Amount Interest Loan Term Total Paid repayment options available to federal student loan borrowers. Provided Rate (how long you Over Entire Bankruptcy Limitations (amount paid (highest have to pay Loan Term • If you file for bankruptcy you may still be required to pay back this loan. to others on possible rate) off the loan) (includes Next Steps your behalf) associated fees) 1. Find out about other loan options More information about loan eligibility and repayment deferral or forbearance options is available in your loan application and loan agreement. MAKE FULL PAYMENTS $10,000.00 6.240% 5 years $11,666.76 The Federal Direct Consolidation Loan may have student loan benefits and terms not detailed Pay both the principal starting after your on this form. Contact your school’s financial aid office or visit the Department of Education’s and interest first payment website at www.loanconsolidation.ed.gov for more information about Federal Direct MAKE FULL PAYMENTS $10,000.00 6.740% 7 years $12,571.36 Consolidation Loans. Pay both the principal starting after your and interest first payment 2. To apply for this loan, complete the application MAKE FULL PAYMENTS $10,000.00 7.250% 10 years $14,088.12 If you are approved for this loan, the loan terms will be available for 30 days (terms will not Pay both the principal starting after your change during this period, except as permitted by law). and interest first payment MAKE FULL PAYMENTS $10,000.00 7.740% 15 years $16,932.65 Pay both the principal starting after your and interest first payment
MAKE FULL PAYMENTS $10,000.00 7.990% 20 years $20,059.63 SOFI LENDING CORP. Pay both the principal starting after your California Finance Lender License No. 6054612 and interest first payment o•• One Letterman Drive, Building A About these examples •o• Suite 4700 The repayment examples are based on the Loan Amounts and Loan Terms shown in the above ••o San Francisco, CA 94129 table. The Interest Rates shown are the highest possible for each Loan Term. The examples SoFi assume that the borrower begins repayment one month after disbursement. Lending Corporation 0416-SL-INS2-A
Exhibit H
BORROW WEALTH PARTNER COMMUNITY RESOURCES ABOUT US LOGIN FIND MY RATE
Student Loan ReFI Personal Loan
Student Loan Refinancing Members save $18,9362 on average when they refinance student loans.
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SoFi's turning the very idea of banking on its head and creating an experience that puts our members first. We offer better rates, zero fees, unprecedented service, and awesome benefits. Our goal is to help each of our members achieve their goals. Because when they succeed, we succeed. Pretty awesome, huh?
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Exhibit I
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LEADING STUDENT LOAN REFINANCING PROVIDER'
We've refinanced the most student debt in the U.S.. so saving you money on student loans is kind of our thing. In fact, members who refinance with us save an average of $2881 a month-and $22.3591total. So Fl Is one of few lenders that handles federal and private student loan consolidation. Plus, as a member. you'll have access to a whole lot of perks: career strategy services, customer support seven days a week. Invites to SoFI events, and more. Get started by checking your rates onllne In Just two minutes.
RATES AND TERMS
No origination fees in most state~-~no prepayment ponaltios. Whether you're looking to refinance federal student loans, pay off loans sooner, or ggt a lower monthly payment (maybe 311 t hree). we offer a range of rates and terms. Choose what works for you.
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COMMON QUESTIONS
REFIN.ANCING FEDERAL CONSOLIDATING VS ANO PR IVATE LOAN S REFINANCIN G
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STUDENT LOAN CALCULATOR
Learn how you could lower you, monthly payments and ssve on total i1ta rest when you f8f inanca student loans w ith Sofi.
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" A NEW FINANCIAL MODEL IS EMERGING ...ONE OF THE COMPANIES AT THE FOREFRONT OF IT I S SOFI"
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H.Sf1d'!,C,OW11U..b ••ooom COfl!RlHl' L.f(.AL OUHTIOl ~l~~ Pnvtcy&~,.,., fl\Q _,_ """"'"' r.-.mo!UN <et Email Addiess a ...g ,_ ~Atfll'lll'ICl't -·- .,_,.,._°"""'"' f Oil 'I ~ S+ (ij) _,_,,"'- '8,5,S14!i,6.-7134 Pll'MIILOMII -..,. -- - • ....p.,,-'°"".. ,..._ PI..UStt.fNKJnf rl\Q ~yCnt- ,...,,.,..... ,.,,.,..315HiN,1,:1._,,A--... t-..,OKll,f1,¢A9G4d- W-llh~ --,~~7(;34 "'''"""""" -- l~andCc.d,1.1ouAwi,,SOf.lil1StfN(SIHlRJQ-ITIOMOOlfYOlt~T...._PAOOUC"ISA.'IO!li;rEJ:TTSArloH'f1W~wmGJl~IIClloqutl,fr.•~•~M,US«.M'!b!pt 1 foc~..:t;tN,...flltl\Ota,IJl,Yo,1qy,ilf'tlCI' ScfloofldllcDa ao!t090-1c,;dlthllwlllOllfttC1:'fOl/lotd'IN:Off Hcwl'Yet,ll'fO'IC!looMa o,od..ctand~yom~ ¥19 .... ~t'Ollf,...CIICl'1Nip0f'lf!Offl0ntor~COIIN'Nt ~lpftCIN.Wf»dl•COIIIIOaNCltftM'd tffdrep&tlllllllffi6tat,tcl'lfMCftCM. ® -•-.- Exhibit J AT WO:RK SoFi M LOGIN FIIHIIH:3 DISCLOSURES & DISCLAIMERS ""'Sofr II a rq11t•Ntd fradem.arti: Of 50ektl FINnc:e. lne. SOfl •• not lffllllllld With e:olktjl!•• and llftlWttJfiH lmed 011 SOFu:om. Collef:H •nd u'"~111•hH 1,,1.ct on Sofi.corri dO l'M)t tMC;lot.,., promot• or ,.comm.and Sor", loan product-.. Student Loan Refinancing: 1. fix.cl ,.hta horn 3.350% APR to 1.175% APR (with AutoP•y). V1mat>t. rat.. hc>m 2.81$%APR to 6..140% APR (w1tll A.utoPay!, lnl•r•-11 r• t•• on vimable nue loans are capped at e1ltle1 8.95%01 9.95% depend1neon term of loarL See APR examples and tenna. Lowe5t varI.able ,ate of 1.815% APR ass.u~ curtont I MOnth UBOR me of t24%~us t8'2S%mate1n minus0.2S%ACH discollnt.Not all bouow,ars teceive the lowt1st ,ate. If •Pf>l'o-..d tor a io.n, n._. tun•dor van• bhll 1nt•r•st r•I•olhmtd w111(M'~ on your cr«:11tWOflh1n.u, •nd the: IA-rm of tti. io.n atld otri., fAM:ICMIJ. :tnd will be within the ranges of rates lilted above. F'ot the Safi variable rate loan, the 'I-month UBOR Index will ~JU&t monthly and the loan ~eyrmtnt will bo ,o-.1mor11zod .tl)(I m,y ch•n&O mon\hly. APR:I for Vt1111blo ratv wtns may incrHM 1h0101iein1fa:n 1f tho UBOR JlldOA in<::r•atvt. TM Sor, 0.25% AutoPay 1nte1ett t1t• reduction 1equ11e1 you to acree to make monthly pttnc1pa1 and 1nterert pa\menu by 1n 1utom1t11e moothty deduction fforn a uvmgg Of choo.k1ne; account. The benefit will dascontinue and be IOSt ,o, peflOdt: W\ wbich you donot pay by automatic dc-d11Ct1on from• savmp or choelunc kcoun1.. ·ro cM<:k tM ,at•, and torrm vou qu•lify for. SOF11:;onch.1ct• a ,oft c:rod1t mquuy. Vnhke htud credit 1riq1.11r1ea, soft credn 1nq11lnM (or s.ott credit pull$) donot impact your credrt score. Sett ciecl1tlnqu1nes allOW Sdl to ahOW you what ratosaod terrrrs Sofi can offer yo., upfront.Aftorsoo1ngyour ratos, If you etK,oso-a procfoctand continoo your apphcet:ion,.wo-w.11 r«.ucr8l vour full cuxht 10pc)ft horn oner o, ffiOfO comull'Ht1 1Cl>Qfbnc raevnc1u.. whteh n: eontld•1od • ha1d crt>dchnqu11y. H•rd cuxht mqumv• (Ot hard credrt pullt) uerequired for $oF1 to be abll, to ls.sue you • toan.. In addttk)n to requlrinc y-,...r e:,cphcit perm,won, the$0 credit pulls may impact vour c1ed1t sco,e. 2. MomberLifebmeSav1net- Aver•ec membo, llfohmo savincsc&lc~ation of$22.3S81s based on au SoF1 mom~ra WM rofinanced ~r 1tudeol ~.,,, i>IIIWMn 6/16/1017 -.nd 8r.\0/2018. -n.. • •vi~c:.1k:ub1t.on ,,derMtd by f,1,lc.111r. ttt. •shm•litd ldeh~cos! or •ll11.tone stud•rit lo.ins minus the Jif~me eo&t of Sofi loans upon refin,11nclng for SoFi memben who rermanoeQ thelr student Jo.am, Sofi"g 11fethne W{lf"lltl mclhOdokJcy for student loan,cf 1nanci.ne assume-s D members' 1ntttrei:tr•tes do not ctlanp ove, 11,ne lPRClJEC110Ns roR VARlA8LE RATES ARCSTATICAl"O--cnM£a=RU=INANCJNGANOOONOrR(A.(CTAC'IUALMOvtMENTorRArcslNTl-l.:: rU1Ut82)mem~,,mak•all pay~rm on time 3) members make momhly paymt>nts fOf the full duration of their to.an 4) ffl«!'mbers take advan1apof AutoPay, which en,11blff thorn lo lowcn the APR of lhoir loan by0.25%.. ~,~11 avorap aavw,ei. mOlhodolo,y fOf Hudont IOVI rufi:nancine o,cludc:-1 rarinanc1np 111 which n membenefect SoFI loanaw1tl'\lonfl:er matuuiytl'lantt1e1re>0111nc11ucsent k>ans 2)the term leflCl'l'I oftl'le membe(s onelnal student loanCs) I.B iueater than 30 yeats 3) the member did not provide coctectOf comc,lete infotmation reeard,ne his°' her outsta"ld~ balance. loan rype, APR. or CYmmt monthly peymonL SoF1 vxch,das lhv abOv• rof1nanc1np rn an oHort to mtx1mao h•n1p.Hcncy on hOwwa calcuhllw ovr ,vo,ago hietame $8Vl"'C3 al'nC4Jnt and to mlnlm1le the rlsk or member d.11t• etrOf skewinc the aver•ge llfetlme aav1ncs amount. 2b. Total mtrmbof hFolnno sav1no cakulalKM'I o( $1.84811 t>.SGd on 111Sof1 borrowo,a who rohnar'ICOd tho111tudcnt loans between 8/'6/2012 and 9/a0/2016. wf\!eh COl'\.'ll.1t11uu B!i.2% ot our borrower base u ot V./3V20l6. Prtot to rehnan.c1nc, tMMI bOrrower& had a ~lance ot $$..5116 aM hfet1mo payment Of $8.256B at a weietitod a\lor•p rato of 7 .00%. After rofinar,c.ne. these bofrowe,a havo a rlfcbnepayment of $6.810B based on • w•1itJted •ver•co ol new r• t• a 1111Ci1Mtd acrou: bOlh typws u,,u,d and van-lblct) and r••P'i'Cbve IO•n l•rma w th AutoPay. Sof1'1 l1h,1nn1t 1avinpmethodolOfYfor student loan refananc1ne ~me$ 1) members: lnte,e,t rates donot cNnee over time (PROJ(CTIONS FOR VARIABl.F RAT£SASf£.STATICATTI-tl:TMOF~ANODONOTlilEFLECTACTUAL.MOVEMENTOf'RATI:S.,mER.m.lRD2)membersmake an paym-nb on llm. 3) m.mbers mak• ffl0111hly ,,..ymerits10f lhe 1ull du,ation of their loan 4) "'""mt,-rs h•k• ltdwnt.por AutoPay, wtireh enables them to lower the APR of their l~nby0.25%. Bonowets refinancitii&: Joans. Into !oncer terms. typically for'eit sav!np,~ lowe1 monthly paymonts. 2c. MB.A. Oe&ree Lifetime Savin(:& - Ufet1me aavlnp cak:ul:nion of $l0.215 i~ ba&ed on all SoFi mernberi with a IIJ.BA. dei:ree who refinanced thOrr student loons b M.B.A.Oepao Monthly S.vi,nis - Monthf'f' tav.npcalculihooof $2A81s based on all SoR momborsWltha MBA d,eroe who 1cfinanocdthoi1 1tud.-i1 k>ans t-1-weitn 8/16/l0l2 .nd 6/30no18. ~ ealcul.abon ,,derrv~ by avc,.. ging th4' monlhly s.vmcs of Seif• ~be•• w11h II MBA 2d, Mod,Cal M.D. L!fo11mo Sav1n11 - Ufutimo savinp c.alC\lllltK>n of $44..2B2nl tN!sad on 1111 Sot, mambcu, with II mtdical schooldo1JN (M.0.) WhO rehnanced rheu stUden, lcens between 6/14n013 and 8/30/20$. The uvlnpc:alculattc>n ~ derrved b'f' u1kJ~ the estunated IJfettme cosr of o'.(isting studoot loans m inus tho hfet1mo cost of Sofi bins upon tcf1MnCme for SoFl medical s.choOI 2o, Ph1rm11Ci:st Lifut11no Savines - Lif•tJmtt sav1np C'Meul1ti0n of $28.680 IS basod on au SoF, members w,lh I phirmac,,tdee,ff who refinanc.d me1, student lo,ns between 8/18f20L) and 6/30'2016. The QVl.n(t'.S eac1cu1at1on Is derrved by taikl"C the est.1m.atodl1tet•l'N'! coa: ct exist~n« &-tudcnl loans minus the hfctuno OO$t o-f Sofi k>oir\S upon 10-fiftlllne,ne fOf Sofi pharmec1st dceroo members who refinanced their student loans ScF,'s hl•t1mo savinp rrwtthodofoe:v for atudenl loan r•f1nanc1ni, IISUIT)(rS I} member•' 1ntc,ntratctt donot chin~ over t1m• (fROJlCllONS rOft VARWll.C RAU$AA( STATIC l\'f n .:1·1Mt Of R(ANJ\NCINC AHJOO NOt'R(ru CTACTI.W. MOVO,,l(N'TOf RATtS IN rut NTUflS 2l mcmbefa make all pa'(ffitnts on tllnO 3) members m•ko monthty paymont.1 for the full duratJOn of their k>an •lmtmbcrs take advantaec of AutoPay, wtuch • n1bi.1 tti.m tolower the Af'Ro-f tho,r ao..ibyO~%. Sof1'a av.1•gwsav1np ITICrlhodofoCy for student loen 1•imanc111gexc/udh re0nltflClng5 In which 1)member& elect Sofi loans With toneer maturity than their exl1,ttne 111uden1 loans 2) the t.,.nn length of the member's orfC!n.al student loan(s) 16 erca tor H than 30 ye-ara 31 tho roomberdd not p,ovida correct er complete info,malKNI re-eardtni his o, ht!f oubt-1nd1nr; b•lanc;e, lo4ln tyl)(,. APR, or cun•nt monthty pay.,,.riL $of1 eiccludes !he abc>v• r•f1nane,np in .an•fforl to max,mu-e, tt,1,.n1p.a,•ncy on how w,e calculate our aveu,~e l1fetlme nvtngs. amount and to minimize the rtslt of membef dati erroe sli:ewint::the average lifetime savings amount. Pharmaclst Momhly Savlnp - Momhlys.av!np c.akul.auon of $408 ls bHed on all Sofi membe(s with a ph-a1mac11t degree~ refinanced the1t 1tudont loans botwoon2/28/20W Ind8/30/2016, Th0cak:u111tt0n 11dc11vod by 1vet11eme the monthly AV!npof Sofi membcuw,th 11 pha,maettt 2f. Mmnbef Monthly Sav!np - Averae,e monthly Nv.nes calculatron of $288 1s basod on all SoR mcmbors who ,cfinencod their atudent loans ~t~n$fl8n012 and 6/30/2016. fti.t c::a)(:1,1laho,n •• dttnv41d by a..-•ragmc; t~ m(lnlhty uvmg, of Sc>t., mamWrs..whieh ,s c::a)(:ut.t.-d by U'kmg the monthly a.tudent toilln payments prior to refinancint; minus. the month~.student loMI payments after refinanci"le with Sofl SoFi'c monthly s.iY1np m(Jt.hodoloiY fo, studc-nt IOan rermancinea-s:~umos 1) mcmbe1s'mtftrest ratus donot cMn.19 ovo, llrms tfROJECTlONS FORVARIABLE RAn:sAR( s'rA11CAI iH(TM(or RI FINANl'.'.>'GAM:.>00NOfRf.1'l..LC I AC'IUALMOVlM.:N'r Of RA I (SIN DI( 11/f'UROJ)maml)ara makfl all payme-ntc on time, Sofra. monthty savifle$ methodok"fv for ctu 3. If you me yout,ob throu,h oo fault of yout OWf\. yoo may appty fot UoomplOyment Protection. SoA will suspend your monthty SoFi loan l)lymonb 1nd p.ov1d '' Sofi is the leadirc student kNln refinancinc PfOVlder HofJune 2017. The leadme student loan refinanconc p,ovdef •~ defined as the prNate londett that hat ud10allcild tNI most stud4'nt loan dobt of crti:zens and po1m1m:rnt ro-sidont1 of thct U.S.. JTM}itsurod by Ck);'4JJ oneinattOfi vofume.. Ci.aim based on Oita reponed 1n p,esale report, ,,om rall"'l:111;:Cnc.les and aMuaJ repor1aot publlC companies. P• rsonal Loans: ,t. Ifvou kno your job through no fault of YO\lt OWn. vou may 11ppfy for Unsmployrn9n1 f>rot•c:IJOR. Sofi Wlll su,pitlld yc,u, monthtv SOFi kMn paymenu1 and p,oVlde ,IOb pfl!Cefflf!lnt asstseanee durtnc ycHJr forbearance penod. lntere.u WIii contlNHt to accrua a,nd w111 be added to your pnncip.ll balance at the cmd of each for~anco pcnod. to the f!lxtent pc1m,ttcd by &pplictblc law. BcneflU arooffered 1n thfee month 1ntr•ffMl'ntt. and cap~•t 12 montha.., •11rwrat11:1, over Utt J1f• o, U. loin. f o b 5. Fncod rates, from 5A9% APR to 14.24% APR (with AutoP.ay), Va:ri..blet rntes from 5.19% APR to TI.34% APR (with AuroPay). SoFi rate ,an~ 11re eutrent asof June 1. 2017 and .Uf!I a.ub,cct to chanee wrthout notic:o. Not aU rates and amounu avail.able mall statll!s. Sea Perional lo.. _ i''-' ty d ..t., '-Not all apploe:11nts qualify foe tti. lowfft rat.. It •PP'Ov«I for a bin, to q1,1.11.hfy for U,. lowut rate. yo,u mvtl h.,... a ••t.pona,.bl• hnarK;:1at h;nory and meet othefconchuon&. Your .actual rateW1ll bewith,n the ranpof r1ates lttted above and will dependon avariecyof factors. includine ova}uatiOn of your crod1t worth1non, .,.c,11rs of prohr1s,onal u:pononce, ,ncomc and olhar fKtOII. Soe APR v.11.,.,.plw1 •• .i l wima. lnte.1•11 rates on v,rl.lble. rate loans are cap.,.c:t • t 14..9~%.. Lowes, varlJ-bJe. ,ate ot!t..19% APR aasumes cit.ment l-fflOfttl'l UBOR rat.• of 1.2d% plus •.20%-marein minus 0.2S" Aulof'.ay discount. Fot the Sofi ..,anable tate kt.an. the knonth LIBOR mde,; Will adjust monthty aocl the loan payr'l"te1't wiU be 1g..am0fll,Hrd and fflilyChanaa monthly.APR.s for varr.1bkr rato LOam milly incro.iso artor orienw1t1on if tho UBORindox increasn. ThoSoF"1 0.2S% AutoPay tnterellt rate reduct.Ion requ1ro1 you to acree 10 make montl\Jy p,1nc1p.a,1 and 1nterea, payment.a by an automatic monthly dodoetion from a $Win&$ 01 check1ne: account. The benef"it will d.scont1nue and be mt for periods m Which you do I\Ot pay by autom.tJC o.<:tuc::t,on trom • Hvmpo, ch!K:kinc.c:counL io cheek the rate.a and lf!ll'ffl$ you quality to,. Sort eondueu. a .sch credit pull Wt wall not attoet your c.red11 &eore. Mowever. If you el'!oo$e a product and continue your app11e,tton.wo w!M requ~i,.t your fulJ e,f!ldJt ,epon ftom Otlf!I °' more. eontumer repQrttnc aee.,,ciea. Whlel'I l& COMidorod I h.ard c1cd1t pull S-(.c,nr,umur UCv-n~vL 6. Rate ranees fOf ~in&Club and Oia.c:ovN are ba&ed oo data compiled 1n October 2016 from comp,3nv webc11es. Avef&ee credit card fates as of )0117/M from Crcd1te.1ds.com lor aill ca1veo11•1 ol cards. lndi\lid111I rMuln V3fY, 82% of P60Ple whoui6d their Sofl Pericnal lo.11 to consolidate t.10.000• of aed1t ctrd d!bt uw tMlr FICO s.corea lnc1c&10 an avor11guor I? pou,ts w1th1n2 month11.Avcr11p FICOs<:OfO inc1oasa1 ant basod on fonded rnvmbers r,om N~mborlhrovxh Oec:ember 2016.. lnc.re.a.se w.11 computed by comp,ar1nc: 1e_po,ted Vcirslon 8 nco IICOd'es at the ttme or applfc:aucn aptn51 the same ac:01es on Janu.if)' 18. 2017. ~• Peraonal Lo.an bOrrower• rf!ldueed tMit fntere.s1 rate bV '""on averace. baSed on a .lf,Ul"te'f of 1020 SoFi bOrt:)Wf!III wl'IO took ovt a Per$0MI loan to pay off credit ctrdt bo~cn J.nvary and Fet>rua,y 2017, Dt11ctalmer. Many factor& atte.cr your cro,d1t aco,ea and ll'lf!I 1n,erest ,ate.t you ,nay rece•""e. Sof"I i. not a credit rf!lp.,lr orc1naat1on a df!lf1ned undo, federal o, stato law, lllCIUdine: tho C1cd1t Rep.it Oreanttations AeL Sofi does not pro..,lde ·ctod1t repair· wtviOHOf adviOa ot ass.stance r•c11drnJ ·11tb1,111d1n 'Sof•l"'10 7. rill:ed rate• fro,n4..250% APR to 8.000%Al'A (Wnh A1nopay). Vanablt!!I ra1f!IUlMt1"'C from 3..690%APR to 7.1151', ~ !with AutoPay). e.pped •t 9.95" APR Choose from wail~ tcrrm.. If approved for a k>an. tho r.xcd Of van&ble 1ntc,cst,ate offcrodW'llldopand on the borrower's c•.d•lworlhirwu •nd the 11,,,m of the: lolill. and will ba w,thin th9 ra"£1111 of ,a!•$ l11l'kl above. t.ow~I 1•I•$••• ••~ l The, mler••t rat• lex 011.et Pl.US Lo•n• fir•r d,lbur•d on ot •H•r Jvly \, 2011, and ~fo..• July1, 2018. ,s 7%.. The or1gtnabon ,.,_ (·Loan i:.. ; 104" Otrec, PLUS loansd1s.burlf!ld on Of ah.et October l 2016, and befo,e Octobef 1. 2017, k 4.276%. More lnform.atloncan be found at l•llr,,.;l/www.sludt.mta-d,vd--&Q..-l1oii/ly~•uaniJpt1,111. SoFl P•rent Loan Member lifetime Savlnes-The s.av,ngc calculation of $3,637 compares the e$Umated l,feume costof a SoFi Parent Loan Y..1th thO on1m11\0d hf11t1mo c MBA lo,ant.: 3. For lllf Sof1 vauable 11te product.. the 1-monlh Ll80R index will • <11v•t monlhJy and ~ 10an payment will be 1e-amort1.ittd and chanced mon1hly. APRs lo, v.atlable rate loans m:,y increase ahii,r ori(inatlon if I.he UDOR index 1nerea11e1. See re.p1esenraove APR examples. Explore federal klent •nd compare to en$/Jre you undetata.nd the tf.ttrn, and featt11es. Federal loan, offer &taduated tepe1mcnt plan,. ll'IOOn'IOcont1neel'lt r•pirym•nl optlOn., •nd d•l• rm11nt ~ht.a, whreh cthttt tll.ld&nl loans-.,. nc,t ,.,qulr«l lop,ovid• . Entrepreneur Program: ,0, Any unpaid mtcn!lst w,tt bu capetali2.cd •nd added to your P1•nc1p,1t btl1nco al lhc end ot ttw dcfcimunl pemod. Ma.1umum defc1men1 pcrtOd IS$,IIII months. Campus Relatlons: n The Financial EdOJCation Aw.a.-enes.s Coone,! (FEAC) Is a croup of expeneoced and pa»ionate floaoc'81 aid adn-ln1strator, t~t h3't'e voluntec1tld to a,Sfst Sofi w1lh 001 hnancial education efforts. °""'u parhcip,;illon m FEAC does not imply tlf'lyen:iofscment or rtteommcndatlOn ol $(11, on behillf of th•111 Sc;.hoOls.. ~ Qt l~ f:EAC ,.p,••ntatMts •r• (:Om~nuled by SoF1. "TQ(:t.:;:lc th Par•nt PLUS Rortnanclng: 12. A>led rate, from 3..350% APR to 6.750% APR School S11vin91-: 13. UCLA Mtimber Ltlehme Sav1"Cl' - L1f•tune u1nncs c.a5eulahon rs bawd Of'I all $ol'1 membi111• that g,lldual-.:1 hom UCt.A who r•IM"lane.d tt..1r stud~m loan1-belWeen 7/V15&nd 6/30/16. The 1-11vingg calcubtion is denved by taklfli lhe estimated lifetime con of exisdne l'.tudent loans minus the lif•umo c:ost of Sofl lo•n• upon rofinillnc::1ne fo, SOfi mombon thilll 1raduatltd from UCLA who rllfmana,d th4ti1 •tudont k>ans. Sof{t lllenme uv1npITWUIK>dOIOCY tor student loan ret1nanc:1ni; assume, 1} rnembera· Interest r.11es donot ct\anp OYef trrne (PR('JJ(CnOr-,s rOR VARIABLE RATES ARE STATIC I\TTWE TIMEOF RERNAHONGAH:J 00NOT RER£CT ACTUAL MOVEMENT OF RATES IN THE Rm.m 2) rMmbonmako ail ~ymOn\$ on omo 3)mombo11 m,k• monthly p.,ymvnts for tMfull duriation of th0-1r loan ,Omtmbclra ta.Ir.• tdvantoe- of AuroPay, Wl\lct, enable.a them to tower the AP8 of 1t.e1r loan by 0.2$-%. Serfs averace s.avlncs metl'IOdolOCV tQ, ,t~den, IQan 1et1nanc1ng excl1Mfl!la rcfinancirie, inwhie~ 1) mcmbo,s e'4lcl Sofi lo;ms wrth lonecr maturity th.In their ox,stlf\l student ~ns 2) the te,m kln,gth of tho mcmbor'a Oni1rntl ttudtnt loan(al 11 CrHtC1 rt lh•n 2$vt:art Jl lht mtmber dtd not proy,d• eotr.C:l Of eomi>J•t• 1nf-o.-m•tt0r1•t .. d1nc, h1t0f ti.r ourstandlnc balanee, 1-oan type, APR.Qr cunent mon.thly payment Sari eiccludes tho above 1efinal'IC1npI n an effort tQ ,na)l,m11e w1ns,p.sreney on how we calculate our avotaec, lifellmo .»vines amount and tommimlZe the risk of me-mbm data ono, s.lc.ewmethe evarae,o lifclJme HYlf\lli •mounl VCl.A •• nQt •ll11,•tllld w1lh and don r.cl •ndi:w•-. prOmc)I•, Dt' $PQnS(>f fdueatlONII k>•ns m~by Sc)J", t.ndmgCorp. I~. UCLA Member Monthty Savinp Monthly sav,nes calculation is b.lsod on all SoF"1 rnc,mbers that eraduated from UClA who rofin.an.oed thci, '-tud*'11 k>a.ns t:141iWfffl 7/V1S ,..,(9 $/30/16. 1Mcak:ulalo0n r&dtimv,ad by av•r•erng tht-monthly uvm,,ot Sof, nwimbers lhJ,I ie,r•duated from UCLA. WMch is calculated by taklns tt)e monthly studentk>an payments pt'lof to refina~fll ml001 the monthly 1:uden.t loan paymt'1'1t6 after rrrinanc1newith SoFi SoFi's monthly savinp rnttthodokJey ro, student loan H!lf1nanc:ini 85wmes Omcmbe1.s' inttt·e-s1 rates donot ehanpove, hme (i~CfK)NS f'.OR VARIAilU RAl'(S ARE s·rATIC AT n1E1'1MCorNl.'.r1NANC1NO AM.> 00 NO I R[fUCI AClUAl MCW( Mulr Of' RA Its SN l1-IE R/TUfE 2)members make all payments on ume. SoF"i's monlhly sav1ncs methodology for student loan fe1in.aoclng exc:l;,,d,M 1efinancmp. 1n whteh I} mvmbvr• olO<:t • SoFi loan w,lh • shorlOt term ~n lhvi1 pr,or 1t~cnl loen te,m{sl 2) t._ te,m loneth cf lhct SoF'i rrn;:mbor's pti¢, student loan(I.J was &hOrter tl'IAn 5 years o, ~r tl\.3n 2S. years 3) tho Sof'"I member did' not provide eonect 01 complete 1nronn1uJon ree:ardmc hrs Of he( OUUt-ind1ng balance. lo:an t)lpe, APR. 04" <:uttent monthly payment. SOfi ex<:luOes the ab 18.. Rutger15. Member MonlhtyS.vlnp:-Monthly nvlrcs calculation It bal5.ed on all Sof'I member, that if.ad1Jat!!d tom Ruteera who refinanced th011 studvnt loons bctW\."ffl 7/Vts and 8/30/18, TM calculation i11 dorrvod by awrall)na U\emonlhly uv1nas of Sof1 mombon1 lhatc,lklu1tod fTom R11teers. WhlCl'I 1scaJ.eulAted by taltlf\C the morul\!y stl.ld-,nt 10.,n p.,yments pno, to ret•na~1nr. m.nu& ttle monttlly stud~t ~npavrrw,,nt.e, a~e, rofinancin& with Sofi Sofi's monthly a.av,np met~ fOf a.tudcnt loan rcfin.incine .nsumoo 1) membert intc,ost ,ates donot chanfo O'IGI time (PROJl-ClJONS FOR VARlABLE RAUS NII£. STA nc AT THE nME OF ~NE00 NOl RBUc I AC"I UAL MOVl:Nl::NiOF RAl(S IN TI4: J\JT\JRO 2) member& tNke au payments on time. SOffs montMy uv1nes metl\QdolOel for $t\ld0ftt IQ.an ret11\Jneinc eicell.lde., refinancines (n which 1) rrw,mbOfs etcet • Scfi loan w,th • shorter tc1m th.in tho11 poor s.tudent loan tarmta) 2) the term lcnll:lh of the-Son member's PtlOr •tudent loan(t) wn shorter than =>vnn or Ionpr thin 25 year• 3) UM Sor1 membet did not prOVtde c;;orrec:t or c;;omplete Information reprdinc: hi$ or herout,undme balance, l~n typtt. APR. Of <:urrent momhly payment. SoFI exchldie, 1he, aboVf!I retlnanc:lnei In an effort to maximize transparency on how wo calcutato 04.Jf monthly savtn&& amount and to miniffllle the nsk of rncmbcrdillta er,or skcw1ne the monthly uvinea amo,.mt 19. Texa, MomberLifcltmeS.Ylft&:S Llfctu:nenv,ne, ca-k:ulilltion ;s besed on all SoFi mcmbo,s thate,Mtuttod flom the Ul\ivor&rtyofTexa-s at Austm who '*''"*ne-.;l U,.u ..-tu 10. Texas Member Monthly Savlll(& - Monthly uv1ncs cak:ularion ta based on all SoF'i membera that graduated from the Urvve,arty of Texas ar Aua.tm who r6financed their student '°41M between 7/VlS and 6/30/IS.Tbo caleulatJOn 1tdenvod by •veraone tte monthlysavinp of Scfi mttmblir., that r.rltduA!lld lrOm t~ Un1v•111ty of l • x ..al Au.. 11n. wrneh ,s e•k:ut.l..:I by tal;mc this monthly sh,d.,nt Joan ~bprlOf lo refinancinc minus the monthly atudent loan paymenu: after 1efinancine with Sofi. Sof'i's monthly savinp methodology fOf 51udent toan refllllancin&e-w.imos 1) member&' intems.t t8tC$ donot chance over time i:PRoJl:CTIONS FORVAR1ABLE RATES AREstAllCATTHE lltJE OF RI l'INANCINGAN) 00 NOl" R{J-LfCl ACI\JAl,.MOVR,,11-N"t0,,: RA'flSIN l1-tF HJllJR()2) membtlrll nuik• an payments On l1m.t. Sc:,r"i', moc,thly wvin~ methodology for st1.1deot k>an refonainciri,e@xcludes 1eflnanclngain which 1) members electa Sof, loan wi:h a shorter term than thejr p1,01 1otudont lo• n tt111mM 2) lhe term kmi\f'I of tho SoFi membor's pnor student loaOOI) WH ;hotter thin S yit.ns or toni(fr then 25 years J) the soF1 memt:,,or dtd not prollld• eo,rt<:I o, eompl•t• 1nf<11mauon rep1d1n« his 0t tier ouur•nd1ne b•l•~toan type,. APR, or eurr•nt rnQnthly payment. SoFi exctudM th@ above re1tnanc•~ 1n 8" effort to maximize transparency on how we caJc.ulate our monthly aavmes. amount and to mm1m1.:• tho nsk ot mambor dat• ~,,or skewin• thO monthly wvmp •mount. 21. •kN1dia Mernbot L1h1llm• Savmip - Lrfellm• savants calculation ,s basod on all SOF1 membcus tt,at c1adua\cd from tho Un1vi1:rsrty of F!Onda at C.ainesvrne wl\o rer1nar,c;:oc:1 their stvdent loaM between 7MS and 6/JM&. The S&io'lnp c;.ak:ulation u ~ertved t>ytak1n.c the esttmated !llet•me e051: or exishnf student loans mtruJs the Mabme cost of Sofi lc»n! upon rer.nanc,l'I& for SoFi mambc,.s that eraduned ffom the Uru11ors1ty of ~w..-t. •• n ...... ,..,.,,...,,,...,...... -1,.,_., ••••...... ,•ln•n• ~..... ,.,,....., u ...,,. •• ,n,;.1h,,,,,4nin.,.,f,v .,,.,..nt1n...... ,...... ,... ,1,.,..,....--. lnter011ra1CKdonotchane:eove,tYne(PROJEC'TlONSFORVARl,\8l£RA1tSARESTAT1CATTI-EllMl;OFRFAHANONGAN>OONOT AGLECTACn.lAl MCWa,,8r(f OFAAlt.S IN TI-I; A..m.1182) mcmbe,, m.ako all pe~menu on t,me 3) members rrali:c monthly ~nt4for tho run dur•t10n of t~i, lo•n 4) '""mb.rs l•k• ~v•nbg. ol AutoP•y. wtweh •n.ab!n them to lower lhe APR of th•1• loain byO.:ZS'!lli,.. Sof:°l'a •varap uV)np methodoloev fof stude-ot loan retinar,c;:ineexcludes reflnaoclnes in which 1) members e-lect SoFl ~ wtth loni:er mawrfty tMn the,,lr (l.1u,t1ne tt\td.-nt lotn1 2l 1.M' u:um.. ncth of tM m•mbor'• onemal 1tudon1 loan($) 11 cr•at•• ,, than 2S Y••n• 3) tho TIOmber did not PfOVtCM' co,rect o, complet• 1nto,ma110n reprd•ne: ti.110, her outtUndlnft b1lar,ee, k)1n type, APR, or c.unent montht'p' pa~ment. Sof:"1 excl!Jdff the abOW refinancings in an effort to maximue trans.pareoc:y Ofl how we calculate our averaee hfet1me sav1np amount and to mtn1mtze the rMk of member dalil «mor ,.kow1r11 H1• av,uato lif•LIITMI 11-ivtnt:'i ••nounL ~ Uniwrsitvof Flortda 1s not effiliat,-d with end 22. F"fond1 M•mbor MonthPY Sav111fP- Monthly aav1np c:-akvlabon ni based on all Sof1 metmbcra lhlt.,,actuated from lhc Unrv•rs,ty ot Florida at G.a1neav,11e who rl!!fl ~neod ttw,-1r •tudent k>a~ botwcen 1/VIS and 6130/16. The calc:ulation la deuvoci by averavi,c: the monthty aavinp or SoO mcmbon that erildl.Mltod from the UnlYersity ofFlorida at GalnMvlllo.which 1s calculetod by t,alone the monthly student fOilln payments pnoc to r•IU1ar,,;.incmmu1 II• monthly ,tudenl to.n p.-ym4-nt• •h•, tiitf,ruincmg w1th Sofi. SoF"i's monthly1-1vanp methodoloey lor s.tude.nt k,1n reftmtncli:-e:nsumos 1)member~· Interest ratt:11$ do 001 chance ove-r dme CPROJFCT10NS FORVARIABI.E RA'Tei ARESTATICATTHE TIME OF Rl:ffNANCWGAfoO DO NOT RER..£CT ACTUAL MOVEMENTOf RATES IN TH£A.Jll#tE)2) .-netmb(us malto all payments on time. Sofrs monlhll' ••v-,ne• mflthodology for atucktnt IO~ i•hnanc,ng •xelud•• ,.f,n.ancme•'" which 1;) ~t=--,s •I.et • Sor, loan with• 1hoJt•1 •••m ih•n theu prior atudont IQliln 1enn(1) 2) ttM, term length of tM Sof"l ~mti.r,plot" •wd,eo1 loln<1) w.n ihorter th•o 5 ve,,. orlong1;1-1 th,n 2$ -r,;111 3) ~ SoFI member dtd not pravldo eo1roct or comptou, 1nro,mali0n 1oprd1nchrs 01 hvr Ol.1Utand:1ne ~lanco. lotn type. APR. o, cuuont monthly payment. Sor• oxcludft the above retinancmcs Inan 4ttDrt 10rna:iom1.1:o u-,is.p,arency on hoW we calcu14te our monthly IIV'lfll:'I •mount a.nd 10 minimite the nsk of membet d.1ta enot s~ewtng the monthly s.av,ngi amount. 13. Unweurty ofM.e~n Mafflbef l.Jfe11me Savin~ - l•tenme aa11tf\(S caleul,111on 1$ b,Ued on all son ffll!lfflben !;hat gtadua1ed trom the UniVcr$ity of M1Chie-iW"I at AM Arbof who tcfinanc:ed t~•r $t1Jdent loans be~ 7/Vl5 and 6/30/)6. The MVinesc•tculatton is de,ivod by tall•ne lho vst1mwtod lllct1mo cott of uxJtbn& studunt loans mmus tho hfobmo cost of Sof1 loans u~ 1chnanc1ng for Scf1 mombllrs that '11du1tod from Uniwt,.rty of Miehl(an at AM Arbot who tefln.a,w:;e,d th.elf t,tuden11o11na. Sori'a lifetime .u\4np me1hodoloC1 to, ,tudent lo.$,n reflnaneinc IS-$\Jr'OeSl)mcmbor•·•nte,es1ratesd6notc.Mneoov-ertimoO'ROJECTIONSFORVARIABl.ERATESARESTATICATnETIMEOfREFIHANCINl ANODONOTRCA.(CTAClUAJ..MOV£MENTOfRAT(S.,_ll-W"R/fl.JIIO?)memt>tirsm,k•11IIPtYrrwtntsorit1m13)mamt,.,1smak•monthly p3yments ror the full duration of their l~n 41 mombefs take adv:.ntage of AutoPay. which enables them to lower the APR of their 1o:an ~0.25%., SoFi's BW!rae,b savinp: mcthodoloC'f fo, stud~nt loan 1elin1ncineexciudcs ,cfinancin&a in which I) m&mbe,a ~lecl Sofi loans with k>flee• maturity lh•n lheur ex1.$l1ng student loans 2) th• t•rm ~hof lhe tnembar"sOl!f.1n•I student ~) ,s grffl•r 1--1 t.han :7S fl'•'• 3) the mambltr did not prQl'lllde co11ect or oomplete Information ,eprd1nc hts o, he, outs.tanc:hne balaoc:e. loan type. APR. or cunent monthly ~yment. Sofi exoludoa lhlt• bov• 1ofn1ncines in 1111 .t'fon to maximi.z.o uans1>-11t1ncy on how wu cak:ulato ovr avora~ lifolimu uvings anount •~ 10 m1nirtna tho 11sk 01 member data error sk:ewlnf! the avera.i:tn llfet1rne 116V1np -'mount The UnMtftlty of M.c:hlt3n 1, not at1111ated With and Ck>os not endor$e. prOfflOto. oc sponsor cduc•tion.l IOens mad& by Sofi lend,ne Corp. :,,,1 Mich-can Member Monthty Savln£t,-Monthly QV!.nrra ~•cu!Jltlon 11 ba4od on all SOfl member1 tM11 craciuaTed ftom urwe,,ny 01 M1Ch.1£An a1 Ann Arbor who rcf.Mn<:cd thoir student loins between 7/V1S and 6/30/16. ThccaleulatiOn is do,ivod by avefeeiJlt:: tho monthty nv~es of SoFi members that critdvat~ fram tt1• UmvtrattV of M1ch1(*n at Ann Arbof. whle:h 1s c:aleulatt'd by tlklnC lht monthh stud•nt loan ~Y"ITT*nts i;>rlOf lo rc,fin,nelnc mlnu, tho mon~hly ituderit lo.an paymonrs ,tt-,, t11tfiMne1n1 with Son. Sori'-1 monthly a.avrnp methodoloey fo, IJ.lvdent k)an refinancini assumos 1) members' interest ratesdo not cha~ ovor time CPRO.ICT10NS FORVARIABl..E RATES ARE STATICATTHETI'-E OF AU"INANONGANOOONOI ROlJ.Cr ACIUALM0VtM£KfOI RAT(SIN l"I-U.fUTURE)2) ~mt.-s mak.41 all paym•nls on t,~. $Qt1'1 monthly u\nnp. methodo!Qfy for student loan refinanclne exclvdM refin.aoc:r°'s in which 1) members electa Sofi kl-an ~ha&horter lerm than (heir puor student Joan tc1m(1) 2) th!! term len£1.h of the Sof"1 mttmber'a p1101 stucUmt IOlln(s) Wil'S shOltcr than S voa,s Cl k>necr than 25 ve•rs 3) tho $di nw,ml)er dtd nor pro~eo,r-.e:1 o,eomplet• lntorma11on rtpr¢1,ie: hitQt ~r ou,u1rw;1ne: b1tane-. io11,n IVS:-, APR. o, eurrent mQtlthly payffl"nt. SoFl e-xcfude,: the abo¥e re-fintnci0£' m M"I effon to maldmkze transparency on~we calcul-ate our monthtv 5-IIV'lf'll?f. amount aod to mln1mi.to lho rnl~ or mumbor data etror slWWltl&: thO monthly uvino amo,.mt. UniVeraity <>f North Carohna Membe, Uehme Sa11ing11 - L.det,me uvingg ca1col-1t1on tt ~&ed on all Sofi membl!!n: that graduated from Unrvo,s1ty of North Carohna wtio rofm•~ lhct!r ttudont kJi;ns betwovn 711/IS•nd 6130/16. Tho.. v1nca alcvl1Uon fl dc-rrvod by takme tho ear.mated ltfe11,ne cou of ex1&ttf\C studen1 loans m1t1t11 the lifetime 00$1 ot Sor1 bsM upon ref1nanc1nc to, SQFt rr.embett tMt paduated r,om University ofNorth C.rohna who refinanced thc1ri.tudent klens. Sofi's lifet,me &a-vine, methodoloeY for student loan rofinancinf assumes I) mcrmbtrr1'"1l•rt1t11tadonotc:-han,;.011erb~(F'ROJ(CJlONSIORVA.RIAULC RAlaNlt.SrATlCAllltEl~O(~ANOIX) NOTRO=UCT AC'TUA!,.MOVrM(Nl'Of"RATtSINn.-Rm.JRO,)membe,a make all p.aymen111cn um,e 3) rnemberamake monthly payment& lot tho full durabon of their loan 4) mem~a take advtntaee of AutoPay. wtlieh (mables them to lower the APR of their loan by 0.25%. SoFt's averaee p,11ng1 methOdology IOr •l~tk)an ,.,hn•nc1'1(t •xC.h.J(kn "'f1n1ne:mi• m whaeh l) memb.11 • I.el Sc)J-1 t(ian$ with ~•rn"hm1y than O•u exi&tlne nudent loans 2} the tiMm length of the member's ori~Istudent loan($) 11 peate, 111 thaf-1 25 yNfa 3) the Tternbef dkt not J)f"OVkfe c:om,ct or compklt• mfOfmalion •~&:ardm& h11 o, hG-r oulllandifl& bll•nc•. bllfl typer, APR. or cuuont monthly pl)!MnL Sofi vxcludff the ebow r•hnanelt1£1 In an etton: tc, 1MK.lmi1:r• u•n$parency on hQW we ealeulft• our aV41r1p hfttlfl'MJ P¥1f1C$ amount a,i,d 10 m1n1mlt• tr.. r~k ot rnembctr data error lkewircthe a11e••i:e lifetJme ~Vtnes amount. The Universityof North Carolina is. not affiliated with .and do,,e& not endon;e. J)fon'IOte. o, sponsor oducational /Olm mado by Sofi lcnd1ne Cc1~ UnrY01S1tv ol W1SC:Otl$1n Momb41-r llf•tJme, Savmp- Lrf•tn-nt savinet c1lculatKH1 1a btt~on all SOf1 rncnnt.ra Uut &radvat.-d hom Un1vors1lyof Wl9ccnsln who 1ef!nanced the111n.ident foons between 7MS and 6/30116. The aavrnp cak:ul:ltion i1 derlvl!!d bytttkl.n, the estimated hfet!me coat ofex11hnes.tudcnt loans minus tho l,fonmeoostof SoAto.r\3 upon refinanc1ne:for Sofimembars t.Nt eiad,.oted l,orn The Unwer,,tyof W,seons,n whO ••l1nancitd UMlli. t1udent k>•nl-SoF,·1 l1f•time Uiwmi, mtthodo\Qtv lor 1tUCMnt ~n r•lm•neeng _.umt• 1) ~~•·mt•••st rates do not chanee over 11me (PROJFC110NS FOR VAA:IARlf RATF.S AR.f. STATICA TTHFT». Of RFFINAHCNG AHOOONOT RFR.ECr ACTUALMOVf.MENl'OltRATEslNbEAJl'\JRE)Z)roombers m.ikulll p,ymc-ntsoo tJmu 3) memtxrrsmak.c monthly J)l'fments to, Uao full dur11irOnQI u..,,r io.n 4) nwmbtr• t•k• ach,antageot AutoPay, wfueh •n•blc• ~mto ~r !he, APRot IN1'1r IOJinby 0$%. Sot,-.~~ saVlngsmethodoloiv for student loan refH'!3nclngexcludM refinaoolng1 in whiich 0 membets electSofi k>aric w11h ~ maturity than thelr u.i,tm& ttudo-nt loans 2l Ukttcum kmeth oftti. mvmbv1'1oriemal studon\ 101n Baylor Un1vo111ty Mcrmbcn Lrlot.Jmo Savmp - LJ1ollmo U\tlf1P ealculal.!On u; based on all Sof1 mumbc:'11- lhit gredntod ham Baylol Unrvo1S1tv who refinanced rh04r student iocln.s be-tween 7M5 and 6130/16. The .so-vine, calcula110n tS derived by takine the ut,m,utd Dftmme co1t1 of oxis.tine nud1mt loans Minus tho hfot1rric ~tof SoFi baM upon rcfiMnCtne foe SoFi membera that rraduated frcm Bavkw Unrversiey Who r•lmanc.:::I lho11 stu Oonue• Umv.,s,ty Member L1fetJmo Sav1n1s - l,t•hmc, Hvlnts calculation IS baHd on all Sor1 membefs that crtduated from Gonu!ll Unsvo,slty who 1efiMneod lhoir studen1 lmn.s ~tween 7MS and 6/30/16. The e.vi11p c.alculatk>n t, der~ by raklnc tho e.stimat~ l1frlmme cost ofexisMC studl'.'nt loans minus tho fifetimecostofSofi IOans upon ,ef,nancine:for Sof"imembors that eractuated f,ornGon.zae.a Un1~urty who r•trn11ncold ~r 1tudeot k>41ns. Sot,·s lrl•t•me savinp. m.thodology for 11udent loain 1•hnanc111i,: ••nime-t I) ,:rw,rnbers' 1nterett rthn donot chanfl9overtlme~FORVARIABLERATESARESTA11CATTI--IETIMEOfREflNANCN3NEOONOTRER.ECTACTIJAl MOVEMENTOf RATES INTiiE FUTUAE)2) membvrs maket all payrnonu on tun• 3) mcmbo1s make monthly paymc-nlil fo, lho ,ull duretion or 1\111 cn,,aoon ot their loan 4) mem.bets U'k• actvanta.p of AutoPay, wNch •na~• them to lower rhe APR of their loan by0.2S~ SoA't averap UVl"ngs Met~ fot student loan ref,nancine • xch1 The: Unrvt1rsity or Ktnsaa M•mbfn Ld•bm.t Sav1n(I - LJf•bm• •~c:akulatton II b1MKI on all Sd1 mombe1t lhtp-Mtuat-.d horn Th4it UnfversltV of K:ar1$aS who u!lfinaneed ~rstudent loans between 7/t/lS and 6/30/16. The sa11ine5 c.a1colaHon tS d,rived b-., ukine the esttm3ted 1,1ctirnc cost or ox1st1ne stuaent toa.ns minw tM utoume c~t of 80f-1 ioans upon ret1nanc1n1 '°' SOt1 memocrs tlllt eraauatCCJ from IM Un~r-.1ty o! k•nus who ,.f.,..nr;lfd t.,..r st.udenl IQ.ains. Sofls ltt•tun• uv1riga rfl4othodology for atudent loan ,etinancin('! ••,.u~ 1) miJffibers' lnter"trateadonotchanpovertimeCPR0JEC'TlONSFQtVNtlABLERATESARESTATlCAT lHETlMEOFRE;RN,\NONGN«JOONOT flEfUCTACTUALMOVEMENT OfRATESINll-1; f\/1\ME>2) ITICtmbcua ma'.ku all payments on limo 3)m.mbers rrakomonthly paymont-s for lhc Ml dl.U'auon ot tMlr loan 4) rnltffiban: ull.• .OVantap of AutoPay, wruch•~s them to bwer the APR of thfllr loan b,v0.2~"'-. $offs averat4 s.iv,ne-s methodololV fOf studeot loan refinanclne exctt,,ldes refln.ancff\i:i ln whi,ch 1) mombefs &le<::tSoFl kt.Int w11h kit9'" matvntv than their uJLisllne a1udont k>ana 2) lhv to1m Jongth of lhtt mvmbvr's 0tiein11 studont loan Pv1duo Unrwrsity Mombo, LlfotJmo S.v1ncs - llfvtnno sav1nca c:-ak:ulatton 111 bal«I on an Sofr mcrmbon1 lhat11-adatcd from Pu1duo Unrvers1ty who u!lfinaneed lh&4r student ban,; be1Wl!len 7/1/15 and 6/30/16, The s.win,cs ealeu1t111ion • derived by u kinc the Uhmautd Jlfet,rne CQ&t of ox is.tine stodenl loans minus tho tifotimo cost of Sofi loam upon refinancme fot SoFi mcmbets that rriadu.ated frcm PutdlHl Unlve,s.ityWho r-1mano,d 1he1, :stuihnt kt,ans. SQf1's lrf• t-uv1nc:s mi,thodolccv for stu~nt loan r-,i1nanc::io1 Hs1,mlfS• 1J mtrnt..11' mt•rftt r•t•• d¢ not change OW!r time ~ F0A VARU\8U' RATU ARE STATIC ATTHI; Tit.E OFRf:FINANCING AN:> 00NOT RFR,FCTACTUAL MOVEMENT Of RATES INTI-iEAJTUR02) members make ell payments on tlfflO 3) mcmben mako monthly paymmt.s for the full duration of t~ir ~n 4) membtu• ~k• ,11Qv.,1tap Qt AutoP•v. which eri:,t:>J.t:• ttw,m IQ k'Jw•r lt'Mt APR of IM!u loa.-. bv 0 .15%.Soft '• •~•!ft' ...-v1nr,s methodology for stud«it loan refirutnck\& excludes ref1nancinp in which 1) membe,s elect SoFI ic»ns wtth lonee· rminmty than their exlat1,c 1tud Um,,.1Sitv of 0,09:on Mtmbet Lif• t11M Sav1nga - Lif•~m411 saV1ng1 c,lculat,on is be.od on ,H Sof1 m<:-mbe-11 t hat 1JldU1tvd from tho Un1vorsity of Oret?Oft w ho ret1nar'IQ&d the-Ir .st\MSont 1031\$ between 7M!t and 6130/16. TM &aY1np c.aleulJf!Qn 1• (lerJ\fftd by taking thie est1mst4'd 111,,t1me C0$1 of oxisting student IO•f'I• minus tho lrfot imc COit of SoFi loins upon 1efinanc,nc fOf" Sofi membc,s that craduatodffom tho Urw,ors,ty of Oregon whO r•f~ne.d lhtu stud•nt ro.na. SoUs ltf.-t1~ uv1ne;s methOdotocv for 1hidcnl loin1•lm1ncins •as11mn I) mcmbera' mte,est r1te1 do not eNn~cwettfrnetrRO..:CTlONSrOAVARIARl.('RATC$AM$TATICAT TI-1:TtMrorRmNANC1NCAJ,.:;,OONOTRCAICTACT\JAl MOVEMENTOf RATES INTI--E FUTURE)2) member~ make all payments on bmc 3l members make montht'y payments for tho full duration of t"-ar lr;tirn d) rn411m~r1-i.k• •d'v•nt•t•<>I AutQPl'f, which • n•bi.• th4:lm toiow., 1i. APRQI thlt•r loan bv D.7!,%. Sof't', __,,~uv1ncs. me'(hodolocv for student loan refi~ncine e xcludes refin,1nclnei ln which 1) membtr& cei~t SoFi loan• with lonee· matunty than thelt e x lf.tine atud&nt 1oans 2) the term kfneth of tho member's 011e.,nal tludent k>anfs\ 111 c,e.itet 1s than 25 year& 3;} the membe1 did not p 1ovlda concct o, c;omp1•t• mf()lmahon •tllf.-lldmgh1,.Q( har QI.Jll.1-"ndlftf! b•l•ne•. '°"n lype, APR, DI cUmimt monthly pay~nt. $Qf1exc::lud•11 the aJ:;x:,vi,: refinafl()lnp 1n an effort to max1m11e uanspareocv on how we (:alcu•ate QUt 1ve-rlie hfetime savi,. amount and to mmnmze the rkk of member data an01 lllvwme \ho ..,orapl1f0Uma savmes amounL Tho Ltniwrs1tyot Oraion it not affilratod with and doos 1101 ondoJff. promotu, or Spot'\$0r oduellttonal IQaru made by Sofl Lend1ne coc-p. Tho University ot Sovlh Carohnif Mombll1 Lifu1irna S•vinp - Lifoum• a•v10p calcvl1t1on is bawd on• 11 Sof, mo-mbcha I.he? 11•duat«i hom Untverslty Qf South Carol,r1a who ref1nsneed their tl\Kfent bal\$ betweein 11V15 and 6130/16. t he HVlftf$ caleul111on t1 denved by rak1nc the $$llm3ted liifetmle c Un~r11ty ol Kantuckv Member Lilehnw: Sav1np--Ll•h~ u"'inp caleulation ia ba.-d on aU Sof'1 me.mbers 1.h•I £{.-du•t4'd horn Unrvou-•1ty ol Kentucky who refinanced their stud4!-nt loan-s b&tween 7M5 and 6/30/16. Tbe nvircsc-alcu1abon lana upon rurwwncina ror Sof1 mombor• lh•t erac,uncd horn UnJVGt11ty of K4nt1JCky WhO ref1nanc~ thetr atUd4int loans. Sol'.l"a i tte11me, s.mnp ~t/'loClo'°C'f fOI studenr loan reftnanc:tng 11wmes I) mern.,.ts" lnt~rest 1atesdonotohangeoveft•me D~r•••Speclflc Metrics Avo1aee numbier •nd amoont of loans refinanced bydee,ec typo ts based ot'I mcmbc,-submlttcd dce,ec mformitJOl'I tnd in¢lodes loans f unded bollWhn D8fl6120Rand 04/03/2017 OegrooType Avg. Amount Refinanced # Loans Refinanced Undergradu&tes $48,281 50,250 Oomal $199,939 3,083 Ph&tmacy $!05,696 4,858 Law SI00.689 17,581 Nursing $85,675 9,963 MBA s10.on 20.142 Engineering $50,680 4,071 .....th SS0.384 611 Medlclno- M O. & 0 .0. $178,706 10,158 Uodlc:IRG CO M.O. and 0.0~ Savings: M.O. and 0.0. Llfetil'n4!! ~vlnp-lltetimtt UYIOfll calcul.lt1on or 146.086ls based on all SoF1 memOOrs with an M.0. or 0.0. de(fee who rurtnancod U'loi, stvdc:nt lo4lm betwffn 06/M/2013 1nd06/30/2016. TtMt HYinp c:alc:ulattOn b dorivod by t111kin& !he 01iumatod l1fotJme cost of ertsunc uuo-..11 loans minus the 111•t1me eos:t o, Sof1 ioan.s UP0" ref!MnCU\f fo, Son M.0. 11)d 0.0 ctecree memMrs who r•tIrunc!MI ttielr studen1 loans. Sofi's l1fet1me UVfniJ methOdoloeY fOf student loan ,ermncine assumes n membera' interelt ,.itE-S do not chance OYEW" time CPROJECTIONS f'OR VARIABl.E RATES AM. STATICAT THE TWI: OF RER-WDNG N6'00NOT R£A.ECT ACT\JAl. MOVE~Of RATES IN TUC n.rrutO 2l 1T1emb6r,.m11k0 111 p.aymonn °" timo 3) member, l"Nllce rnon.thl'y paymofltlJ for the fl.Ill duratton 01 their 100on 4} members take adYantae,e of AutoPay. wtwc:l\enables them to lower the APR of their loan by 0.25%. SoFi's awraeo saYInes mttthodoloey for student loan r•lm111C1nt •xciudet 111tm.anc1nc1 in wh.c:h Dmemt=--rs elect Sof'1 loan.a: with ionc,tr maturity than lhair •x1,1llnc stU M.O. and O.O. Mc)nthly S..vmea - MQnthly ,avme,. t;ak::ullliqn of $8'101, bued Qn iill SoF• ~bfu with an MO. QI' 0.0.d.,,Crff whQ 1efm,.1ni;:-1 their studeM lo.in~ betweoo 10/25/2013 and 0GJ30/2017, The cafculation S, derived by averagfne the montbty s.aviigsof Sofi member, with an M.D. or 0.0.oca,ov. which ia c:.ik:ulatod by lalune tho monthlyslvdont k>an paymc-n,11 puor tourfin..ncm& monusUtO monthly 11udvnt IOan p,:,iyments .1110, rot,n•ncJnc wttn SOFL SoFfs monthly .,...,1,ic:s methOdolQcy tor &tJJdont loan retll'\aAClftC aM.Umo.a l membert· tntorut rates do notch.lneeo>Jertime~FORVARll\BlERATESARE:STAllCATTI-ETIMEOFRERNN«lNGAN:>OONOTRER..ECTACTUI\L MOVEMENTOf RA TIS IN THE FUTURE>2l members make all paymonts on luncr. Sofft monthly an1np mothodooev fOf 1ludonlloan rehn._nc.Incexc::Judfl,1 retJnal\ClneS 1n Whl¢1'1 U mombers ele,c;t a $QF1 loan w,th a .sl'l(H'ter term than ttte,r p,ior atudalt I0.n term(I,} 2) the term leneth of the SoFi member'& prKII student loln(s) was ahort~r t~n 5 yc.ws ot Jonier than 30 years 3) the SoFi mcl'M)er didnot provide ootrect Of comP1•t• inlorm.at10n ••1•1d1nc ht10f hrer oulltanchnc b.al•nc•. loan typs, Af1t 0t currttnl monthly .»ymenl 4) kam with l•rms ov•r 2S -r-ars 11 the repgrt('(f balance is Wlder SGOk. Sofi exclude& the aboYe reflnanclflC'& in an effort to m.;aiximilo tnimparency on how we calculate our monthty savif'lis amount and to min.mizc the risk ol membor data ertot. d;ewinrtho monthly Y¥i"'i5 ,moonL Nuning Savings: Nurt,nf! Llf•hlTMII SaV9np-Lil•••~ UVJng•caleuUltJOn O'! $1.5.0!>1' rs. bu.ct on ,n Sof, momti.,s w,th I nur,mg d1:1e:r• who r•lmanced lh81r student loans betwoeo 6/1..4/2013 and 6/30/2016. The nv',np c:alculat.ion ls derived by taking the estimated lifet•~ c~t or exkw1g &tudent loan, m,rw, tho lifeli me cost of Sofi 104tns upon ,er1nahC1fl& for Sof, nursma de&,ee mf!mbf!'r& who rcfiJMllnced thtir studf:nt loans. Sor,'s lift1t1rno uV\np met~oev'°' student IOan ret,nanc.ll'lf. a.uumet 1) memb4rt" interest rates do not crunee over time (PIIOJ(CTIONS fON VARIABl.r RATES /IRE.STATIC ATTI--£TME OFRfRNANCING N«:J DO NOTRER.ECTACTUAL MOVEMENT OFAATESINll-£ FUTURE) 2) members malo;e all P1JYmontson til?Mt 3) mvmbcrs m•k•monthty sn,ymcnt& fOf I.ho fulldu1aoonof lhoir ban 4) mvmbora tak••dv.intaeoof Au\OPav, whieh enables them to IOWer lhe APFf Of the~ loan by 0,75%. So,:'fa average uvancs methodoloCYfOf stUdent IOan rewvnc•nc elllc;ludes o,rInanclnp 1n which D mombo,a oto<:t Sofi io.n, w,th \of'lec, mat,mty thin their ox1ttme student loans 2) tho tetm loni{hof the member'• original •tudont loan (t) 11 er•at•r 11 th•n 30 Y'Hrl 31 th-u membcu did not PfOV1de couoet °'comPlat• mfOfmallon ,e,g-,dme b,s o, M r oubtwndme ~lancfl, loan type, APR.or current rnonthty payment. Sofi excludos the •hove 1efiMnc1nc1 ln an effort to mHiml~e uonsparericy onhow we calculate our aYeraee I,tet1.mo Mvine, amoont and to m,m,ruzc tho r,sk of member data error akowioe tho avcrliee lifct1rM sav1ncs •mount. Nureinc Monthly S,avanp-Monthly s.o,~npcalculnt_ton of S3t1 lS ba,ed on all Sof'I member, wtth • nuriinc: degroo who r11financod I heir nudent loans between 718/2013 and 6/30/2016. Tho calculiltion i,dcnvod by •vera&inr the monthly sav1np of Sofi mom,e,a with a nu,:s.ing dceroe. which rs cak::ul.al.:f by t.r,lunc, t~monthtw' 11udent 10.r,o paym•n11 prtOt IQ ulf,nanc,ne, m,nus the, m()('lthly &ti.Iden! loan pay~nts •f1•r 1ef,nanc:1~ w1m SQfi. Sofie monthly savinpmethodoloey fOfawdentk>&n refmanci1'1'ASUITTH 1) membors"mtefe&t r.1tesdo notChSJIC'9 ova.. i•rne CPRO.ECTIONS FOR VARIABt.E RATES AM.STATIC AT THE TIME OfREFNANCING N6'00NOT AER.ECT ACllJAL ~ OFRAlES IN n«: ruttJR8 2) memb4rs m,.ka an payments on t11n4. SofO monthty UYU\l!!l lNlthooolofY to, stuOent loan r•hnanclng excJl.lde.1 r•financi~ tn wtuch D members e1ect • SoFi IO.in with• shorter te-,m than me;r pnor student loall term(&) 2J the term J.eng'th of the SoFI member's o,iof etudent loan(a) WU sh6rtc1 lhan Syvars Or k)nec, than 30 ye.in :n \Ml SoFi mombor did n6l provide Coruk:! o, complcto Info,m1b6n10~11,d1na. hi1 o, hcrr ouui1anc:t1nc: balance. lo.In typo, APR. o, current monthly payment. SoF1 exctuoes the above ret1nan,:::u,cs, ln an ettort to rnaJ111m1ze transp.arenc:y ()I\ Mw wo ca1¢uleto oot monthty savinp •mount and to mwmizo thtli o&Ji; of member dat• errot .ske"Mn& tho mortthly $Wines amount Attorney Llfotime S.vmp- ltfetime sa'tinp ea~lation of $31..398' i& b.lsed on all Sofi members with• law s.chool dcpco Who refinanced their ,ti.Id•"' k,""' ~lwlNlfl H/6/2012 •nd 8/30/7'018. fhe ..,VIJIC' c.,t,C:11lal10n q; denvtlld by t.ak1ne th• tnllmal..,d 11'.,lmi• eo.t Of (tXlltme: ,t~nt loan& minus the llfeuma CO&t or Sofl k)an, upon refin3nclne for SoFi law achoo! decree members who teflnanced thelf &tuden1 loons.. SoFi'& l1fet1mc YvInpmelhc:>dok>trf for student loan rcf1n11nane assumes n membera' Intr1est ratus donot chanel!t O'Yf)T tune CPROJECTIONSFOR VARIAOl..( RAl'tS Alff STATIC AT tt-1( TIMf:'Of:" IRrJ'.WANONO ANl 00N(lr RCru.cr ACllJAL M()V(M(NT Of'. ltAT(S INTI~ rl}'rt.ll() '2) members make ;111 payments on Ume 3)mombe,s m3ke monthly p:iymenu for the futl duradon of the,lr loaf'l 4t members take adYanta,e,e of Autofay, which e-nabltH thorn to lower ttw APR of lhou lo.n by 0-25%. Sofi's ....out~ s.avinp mVthodOlotY for st~dcnt loan rofmancllllj: <1xctvdn rehn,nclt1£1 ~wtt.ieh 1) members elOCt S,oO ~ru, wtth IOn~rm.aturrty than their e111st11\£ nooent k)ans 2) 1he terl!'I IOl'l(ttl ot !he: member'$ or,e1n.al stlide-nt loan(,) is ereater rt than 30 years 3) the meimbor dd not provide conect o, complete ,nfOfmatlOfl reeard,ne hi& o, h6f oulsland1ne b1lanco, ~n type, APR. 01 cun9"flt monthly paym•nL Sof1 Hclvdcs lho aboy• ,et1nanc:me:s man ctforl to max,miio t1an1pa1•ncy on how WO (;lllCUlate, our IIIV6t'!!p l1fll!ltlmf! NIVIAP, amount MCI to ,n1nim11e the rls.k Of rnetnbftt' dllUI ftfrot P.ew•nctl'le l'M13£'0 lifetime--~ •mount. Anorney Mon1hly Savinp-Mon1hly ~npc;,lcularionof ~ isba.sed on.all Sofi mem~rswitha law~hoold&g,eewho refiMnc.ed their studont loans betwOCfl 1V6/2012 and 6/30/2016. Tho calculation is derived by avc,~ne the monthly .sevine, of Sofi mambcr, with• law .sc::hoo• da(?.., wh..::h 1tr,ku l.at-.ct by tak1rie lh-9 mQflthty ttud•nt lmin p.1ynw1mh prior to r•f11Ync;m1 minut t~mc)nthly ,t~ot ~npaynw:nts •ll•r retinan<,l,ie whh SoFl SoFl's. monthly savings methodolocy for 1-ludent loan reflnancin1 a6S\lme& 1) members' ime Mtrates dQ not chan1:9 over tune (PROJECTIONS FOftVAfllAEI..£ RAlESARE STATIC AT THE nt-EOF AEANANCING ANO 00NOT RER.ECT ACTUAL MOVEMENTOF RATES IN n-1..1 U'rlm)1) "'-ml)ll,s m.ak• atl p.r,yment.1 on t1~ Sof'.1'• ff'M)nthly uv1ries FN-thQdolor.v tor ttud4Jint loan 1etIn.anc1ne •xeloc&et retin.1ne,ngs In which 1) members. elect a SoF1 loan with a 1-horter te-rm than theIf prk>r s.ti,ident loan term(1) 2) the lerm length cf the SoFi me-mbor's p(iof' •tudont loanCll wn lho1to, than S vv•" Of ~r than 30 years 3) the Sofl mombvf did not pco-ndo conect or compie to mformatiOn ,qardlflfl': hi& or Mrout.stSndJ"f! balAnc;e, k»n ~pe, A~ or current montnty P"'(~nL Son fll11Clude$ thoe aboYe retln.al\Cltl(l U\ an eNort to mH1m1ze transparency oo Mwwo calculate out monthty savmgs a-mount .1nd to m1n1m-zo tf)o risk; of member data ertor s.kowine the month~ savinp •mount Oont1.st lifetime Sa~nga, - lif~tlme MVmp calcul.et,on of $59.6'-t i, basodon all Sofi members ~th•dental 1oehooe degree w1lo refinanced Lhtiu studrsnt l0tn1 bwtWkn 2/28/2014 and 6/30rl016, ~ uvmo cak:ul1bon 111 ct.1,v.O by takJnc ltl9"•1tim1tt OentJ&t Monlhly SAVlnp - Mont"lY1,av1np cak:ulImon of $800 ls based on all Sor:1 members wrtll a dentar tc~dec,ee WhO refinanced 11'Nl•r student k>a.~ belWeen 2/28/20'4 and 6/30/2016. Tho c-ak:ulauon 1-s ckmvod by ,vefailn(tho rnonthty &aYlnes of Sofi members. With a dental school d•CrN, wh.c:h 11 cal<::ul•l.c:t by taktnc the monthly a.tudent IOan ~YTtMnta 5){10f to r•linanemc minus u,., rronlhty tt~tlo.an paymeolt afte, refinancing with Sofi. SoFi's monthly savlng1 methodok>gy" for &tudent loan refinanclnc aS$Umes 1) member( Interest ,ates donot chance ow,, t.mc(PROJECTIONSFORVAAIABt.£AAltSAR£STATICATTl£ TIMEOf~ANDOONOTAEFL'Cl" ACTUAL~OF HAlfSIN IH[ l\ln.Jl82) mc,mt)efs ~k• all paym.,nlson t,nw11. Sol'i"s n'!Onlhfy ll.llvt.nt* rrMlllhodoiOtV Jor student IO.:an ref1n1ncmg•xcludM refinancincs In which 1)memborg etect a SoA loan with a 1-horter term thall tllelf prior student toan tMm(s) 2) tile term length of the.SOR m•mbor'1p1ior wtuckmt to.nlt)WU1ih0t'twr lhan Sf41:ilJW or lof'l&(t1 than 30 yc,.i1i3>thv SOfi momti.r dtd l'!Olp1ovli:lo c:-oc1oc:to1 comp10tfl Intormat10n rag,rdtng his Qr Mroutstand•ne bala.nea, loan type. APR. or current rnonu,1y ruyment. Sol'taxeludes the aboWI rafln.ane1n.p In an effort to mexlmtZe tram.parency oo hoW we calculate out monthtv &av.n~ amount and to minima-& the tlf>k of member d3t.a ertot 11-kewinc the monthly HYlntl 111movnL The 1nfor~tionoont&1ned horein docs not oonst1tutc an offer to scl4 aocunt1Cs Of• sohcitlitiOn of llf'I ofter to boy socorrhcs.. Purchases Of sa&o, ol Mtcunhos 1)1Mltvly o!h111od by SoF, or 1lt•lf1l1•tcs lthv-SOcu11tJcsi can only b.ii l'rHl I nvestor Educet1on and Pro t ect ion: An 111"""1~ brochu,e aboul $QF-.t S.Curd'", I.LC rs. av• rlabl• QR FINRA (JrQketC~k at btc,o1;•rcl11t<.lt.lm, 1 ,1-YOJ can also c.aJI th$ 6'okerCh4t<:k ho11ioa at (800l 1R9-11fflor acces.s dlf! broader F1NRA web$1teat YMw.f nrl..Ofl!' Wealth: The SoFi Wealth ptatform 1s operated and ma,nta.if"IOd by SOFi Wealth LLC. an SEC Rceistc,od lnYestmont Ad\flsa-. Brokeraec ser-..1Ccs arc prO\'ldf,d tocl,ants of Sor• Waalth I.LC by Sore S.,Ctu,h,H UC, an aff1li•ii9d bt-ol:11:\!.r~ale, r-e,rtar~ wrlh the S.Cur,h•• and LilchJ.n,;• Commlg.slonand a mem~r or AN~N51PC. Investment, are not FDIC Insured. haYeNoGu.ar11n1eeand May Lose'✓alue lnvestfoe lnsecuutlM invotvos nth.and 1he1c ,s atways the potanual of 10s1ne moooywhen you investln &OCtJ1100tl.. Ciea11n& end cu!lOcly of all secwities a,a provded by APEX Clea11"4 Corpou.tlOI\. AdditJQMI E:itpl1nat04'Y NQtu •nd Olse:IQf.ur•• Ratate,d to P•n'ormanc:e= SoF'l W11alth UCl"'Sofl Wcralthi 11 an SEC roipatored IRVllSlmonl Ad11iff1. lnformallon J;>Ortllnif\i: to Sofi Woa!lh'1advttory opor1t1ons. MIVICC111, -and tee.s 1:1 s,et tonn lllSoF"l W~lt,l'ls c;urrent formAOV Pan 2(8tochure), a eopyofwhleh l.$ wa1lablo upon reqvest an(! at www.admeflnfo.sec.gov, The ma1erlal in this present.anon ts based on Information from a vauety of aourcec we consider reltable. but we: do not represent that the lnfoffrt,,ttlOf\ tl eocuteta or oornpletc. The matoriat provided llcto&1n is for in!otMahMal l)Ufpo,6S onty. $di We.11,lrh does not pro111de tu ad\rlce tons c11ent1- All ltlvestors • re at,oncJY urpd to eonSUit wtth their tall acvi$0t'.$ reprd.nc •ny pot&ntlAl lnvc1tment. TM COftlent 1s not Intended to be used as a ceneral cuIde 10 1nvest1nc. or aa • source ot any 11,pecrhc ~estmen.1 iecom.merwsanona. and tl'\&ke4- no ~plied Ot oxp(c» tocommcndattens oonoern1n& the manMt in which eny clienf$ account should Of ~ld bo handled. u epproPriate straloe,os depend UPofl the clr,imt'1 5f)cK'thc c11cum1ta.ncvs •nd inYOlltm<=-nt obtoctrvoa. The prcsentat10n or pcrformanco rs neither an offCf to s.cll nor a sohcrtation of eo offer to buy anysecunt.os. o.ct.lcstedpcrforrranccaNO'fanrndtalardfuturo~Ulfraurta. Tha resultard~l)Ol"torRWJC1C"d•WalconotolfC"1cdtolfM:Stonanddo --NOT repre&ent rattans thal 11fft inYaaor acnl3lty atuined. B.-lctteded N!lldtli are caAcubtad by t:ha ratmactiwtappfication al a ~ ccns.1;ructed on lho besis olhistorical data and bacd on assumptiona ~ to tho rnodcl which may ortnllf notbo lost.able Mdam aqoct to los5cs. F\ac~e,tM! perform.mce is developed w,th the benefit or hmd&ieht and ha1 Inherent l1m.Jlatlona. Specrfically, backtes.ted resutta do not reflec:1 actual ttedm& o, the effect of m.tem11I econom,c and market fa<:tors on the docli10n-maklnr Pf00e$s. Sinoc uad~s h&vo not a<:tualfv been 1ueeuh1d, r••\llb ""'Y ~ under-Qr (Milr..t;Om~n.al.-d IOf U-.1mpael. 11 ilny,ol e•1ta1n mar'k• t l.C:t(>r•.auch a• l.el.¢1 hqutd.ty, •nd may not reflect the impact that c;:ertaln economic or market fa,clOfs may have had oo the dec•sion-maki,. proceu.. Further, back.testong allowi the tecunty selection methodolo&Y to be fd,usted unlll pa-,t H'.~-tu1n~ •re 1TM1,c.1m11ud. Actual performuK:u mly d1m!·1 SJemrie•ntly rrom btc:ktmted pel'formanc,e. future returM are not pnnteed Md• loss ot ptW'IClpll rnayoocw. Bac:Jr.1ostod results aro adJi.mod to r•Roct tho r Results t5s:umv that SOFi Wo•h.h woukt have bot-n ablo to purchase the 50CUntMls r(tCQOlmunded by N mc>dilll alld thO markttl" wore, ,un'C'iently liquid to permit au 1ra<11ne-Ch•n£ftl In tl'l,ei,e ,.swmpuons m1y have• rn.i•n111rnpaet on tl'la: ~kt1Ht~ ,,turnspr • .sented. Certftlr, auumptk)nis h<1Ye been made fo, modelinc purp,os.es ¥Id are unlilc.ety to b& realized. No rep,1esentatioms. and w.a!fantaea are made•~ to the rttt1i011,1bhinou of tN, anuml)liOns.Thia information II provided for 1llustr1tivo l)UIPQSW onlY. -...- Sofi Woelth construc:tod thv 1nd~sC)f0$Cntilfd 1.111111 a"'"" of ETra that fo!Jowa ~t of111lvs of 0Wn Performanee ,esulta assume, th& rei1wee.tlT'M!nt of dMdend-s af'ld eap1t.al (l~e. and monthly reb,11111,neincat tho endol eaci-. month. The monthly return ,s calculated with tho assumption that tho SoFi index is perlo-c:Uy in bat.nee at the end ofeaeh month. In11etu11 I Sofi pon:foliOs. r,eb1laoc:1ne;ocxv1s •tno&iil hrne, and tueh .CllQn:I a•• dttPf!nditnt on both mao•k•t c»ndJbon:I and 1nr;b11id~I c;:loent lequic:;l1ty intlows and outnoW$. a1ioo&:wtiti the OO§t Impact of such t,:.nu,ctioos on the ove,.111 portfolM>. n,41 ~,f0r~ne• QI t~ Sot-, 1nd101i11 r•llec;:t•; and ,s ,wt ¢1 t~ett~t of Sof.1's. annual ,n-•1ma-nt m•n•r:tmant , ..of 0-2$%, btlled qu.1,1.,ty. Actual Soft Wealth advlso,y fe,es may be d1Herent than that dluatrated. The fee utirized k the 1-!icflest fee SofiWealth ch.ar,es as of the date o1 tho chart. Dcpoooine oo the amount of your H'!lt!l$ und&, m.inapmetnl. your m\/Cstmcnt manal(Jmcnt loo may btl&ss. S1nco wo eccept no fees rto,n 1nV41:11tn•nt ptOduet flrll"l..l, S0,:-11,11•1 •nda:it flJncl data l).IMJd on nat a1-"'1 value returns, Which •r• net oft"-fTI" •xpen••• only. Ews,• nses ot the underty,n& hokllnes we1e Mtimated osinB a welehted a11era~e of the expense ratk>ti fOf the ETF's unlized In ttie SoFJWealth model portfohos: at tho dato ol lho charL Attho\lst, ETF", ,miy mm1mi10 tu.liab,lltios from shot\ and lonij:a\crm caprt.al 1ams.any r01ultin11: t.u. li.1bil1tyffnot de(lucfed trom pertorrnance ,esultt,. SoA weart:h ~11, not l;harge-ttan11,,aetion feel, but other l;\1$tody ralated eiq>en."" may ap_ply and are not reflecteod. which reduoe ret111ru.. Allot 1Maeeurrues used in the Sof"J tncHces were rw>t available du11ne the tJme period p«esente No taxvs a,o takvn into account-cm.rt IIHumos tho account usod 10 invwst 1a a nonta:ublo i,ccount tha t it an onJOif\11: c:oncv,n throvct,out ttio pa.rlOd presentOd Roprcscnt.ativo mdvx1n& of Sofi WoatUft conso,valJvv sbatOKV uodorpcrfoima tho 11s~11Hc-d bonchnwk duo to shorl dural1on b4H and concenu.atlOft of 11:ited ln(:.Ofl"tfl.. Bcnohmarks havo been conwucted USHl& combinations of MSCI ACWI and mo Bloomberg Berciay:s Glob-fl A&groeate «:>ollat Hodpxfi Total -Ralurn ,f'ldex. bkrnded to rtlt)fCHnl the wtt1ghtms: ot equity and ltxfd 1ncome alkXlbonl mamtarn.d in U.. anoa•tod Sof, Index. S.nchm,uk coru:truction 1, lntend«:t to capture the appro11:1mate equNalent riek between the benchmark •nd the a.aao::;1:ued Son Indox. ~lor•nc•• to ma,ket Of eomp011ta Kldic:u. benchmarks o, olhii, RMHure1 of r11l1lJn mark•t i::,wrforman<=• ow,• 1~1ltedp,tnod or lm~ •r• ptovided fo, vour lnfo,rnatlon only. Reference roan index doea not imply t.Mt we believe • Sofi Wealth po,tfotlo wltl achieve tlltllfns, vo&atf11ty or othof re.suits similar to tho HKktx.. The com~bon of•benchmarlc. may l'IOt reflact the manner ~ wh1eh a Sofilndcx l'I const,uctecl in tolatiaft to •ilPlll'Cll!ld Qr ach•11~ r• tu,ns, inve•(~I hOldJflC'. pc..-tlol10 r,u,$1,,_., ,_hictlf)IU, Met.ors, COH.t• hons. eonr::enl1•l10R:1. vQl.lhhty or Ha<:kine errOJ urpti, all or which .ire s.ubJect to change ove< time-. P.rlQrmanc:• 1esults. usumethll retnv.ttlm•nl Of d1~.1 and e..p1tal IP""• •nd rnon1hly 1wbltanc;:1n1t:at ttwandol •ach month. The monthly retum is calcul.ated with the ass.umption that the be-nctimark. ts perfectly ln balarice at the eod ot each month. The pttrform111nc• of lhtt ~hm..,k r•l'-<:t11lndl 1s "-tof tht!l t1tl-.ctof ""•uumoi!d "•~'•rnutu:iil h.r.nd I• " oP ,'9baslJ; po1ri,t:1. whtc;hwa.a expressed In the Mo,r ~tar "'015 f._ StoJ Tii. volattllty ot a beneM'\lrk l,ndax fflJY ~ mate11a11y d 1ttarent rrom IN lndtvidtJJI Pfrforrrunee attaln,e Key- Mooeratefy Moderatefy iilifrf§ijf·• AggressJV.e Conservatrva us 35% 45% 30% 25% Developed Ex US 25% 10% -5% 0% - EM Equity 30% 15% 10% 5% us Energy 5% 0% 0% 0% REIT 5% 0"/4 0% 0% S% EMUSO 5% 10% 15% 5% Inflation Linked 0% 0% 0% Trca~ury Short Duration 0% 0% 0% 70% Treasury lntermedllte Treasury 0% 0% 5% 10% Intermediate Corp 0% 7% 17.50% 10% Shon: Term Corp 5% 10% 10% 0% Barclays High Yleld S% 10% S% Short Term HY 15% 18% 17.50% 0% Short Te1m Inv Munl 0% 0% 0% 0% Inv Munl 0% 0% 0% 0% High Ylekt Muni 0% 0% 0% 0% 1-3 Month 8111 0"/4 0% 0% 0% ..... All lnwstmen{a are subject to risk. wtwch 1hoold be consldeted prlof to fflJlldnc and lnve&rm~t dec.iuona. txchanc• lra Fixed incoms securities are also ,ub}e<:t to credit nsk, wh6c:h Js the chance that an issuer will fail to pa,y interest a ponclpal on time. Many fixsd 1ncotrMJ 1ucurilln1oceJVO c1edit rat.mp from NatKHlally Retcot:ni.tod Statislical Ratine Oliani.zations (NRSROs}. T')ne N~Os ass{in ratmp to aecur1110J by H&el$ll"IC thO kkel1ll00d of l1$UOl ck'11urt. CPu1neo• 1n trwt credit &ffe~h or"" 1$11.ler may reduce the cr0d1t rat1ncot Its debt Investment, and may affoct their vttuo. High,quar11,y debt 1nstrumcnu are r,ltod et ~ast A.A or rts equNalCnl by riy NRSROor aro unrated dobt 1nst1ument1 of equrval•nt quahty. l11ut1n of h,ctt-c,ade debt 1111-tn,menla at• considerad lo hav• a W.tY 1tronc capacaty to pa'f pnnc1pal al1CI lntsr~,1. Investment grado debt ln&truments 1tre rstod st least 8aa or ita equivalent by any NRSRO or are unrated :febt lnstru~t• or equivalent qu.ahty. Baa ratod socur11J&S a,e consi U.S. C:.OV.rn~I M(:;uutJ&s mel~ -.c:uut.. s ,.-ued or l!\l•rant!Md by lhtl U.S.. Tr•asu,y; ,uued by• U.S. Oov.e,mm4,nt a,::1imcy; or 1u\Jltd by,. ~rnment•Sponsofed Enterprise (GSE>. U.S.Tre;ttury securrt~ include direct obfl&:at.tons of the U.S.. Tre.isury, (i.e.. Treasury btU~ nQle& .toe! bonds). U.S. Govcunmcnt aecncy bonds a1~ backcefby tho full fa1lh and credit of thctU.S.GoY1Jmmont o, pa,an',09d by lhoU.S. TroatuJy(1uch ...•cuHhes 0111\e c;ovunfN!l,nf Nauonal Mon:C-lA AUOCQlW)tl (CNMA Ot GiMI. MN)). GSE boN:ft; are LU~ b'f e•rt.1111 ,.oe,..uy.e.haner~ but privately-owned corporation'$.. t>ut are ~the, direct obl,~atlOOS of. nor t:>acl:ed by the-ful faith ~nd <:fedIto,. the U.S. Gow1nme1"1t GSE bonds include; bonds 1nu.ci by Fodor•! Homo Lo.;in 8.anks (FHLB). fvdoral Farm Credit 8.anks (FCS). FOdur11 Homa Loan Moftpl;C Cof Po111lK>n (FHl.MC or Fre«,w, MM:) and I.ha facter•I NatJoNII Mortpp A$$0els11on (F'NMA 0, Fanrue Mae}. lnt01Mllontl Scc:urttJC'I lnte.ma11oru11 1nves1~n1einvolve addlllONI nsli:& you fflOUld be aw.11e 01. Which 1netUde d1tr,,re.rtee& In f1n.ane1.11 tee0unt1n.cat.andArd&, curr&rw::y ffuc.tuatlons. political ms.tabilrty. f0fe1en ttxes and recul• tions. new3 that can trieeer Yol-atllc cond1tiom. and the potential for illiquid markets. Small Cap c0mJ)• mcr1 m these markets may rHC:l W1tl11rHhrr YOl•tlltlY 1n reKlllOO lo.et1v1lln m lhOs• m• rkOlL t II mor• d1fficutt toobt1m reliable Information about gome forel(:n &eCUritie$. The cost.s of lnvestmg In wme foreten markeu may be h,ehe1 than lnves1me in domestic markets. Investments tn fore"" securities also are wbjeet tocutceriey fluctuations. Dt Ca&.h and ca~h Alternatives Ca5h lYPtCillly includes t..nk a,ccovnta or c.rtificatln of d•poiit, whieh ar• insured by m. FedoraI 0.posit lnsur;nc. C<>rporatiOn 11p to I l1m1t per aeCOtJnt. C •!Sh A1ten,.einves tyJ)leally 1neJude money m.,111:et ae-eumio.. U.S. ttONury b1IJ.&.,1ntJ other 1nv•utrrv,ue tMt .110 ,eaolly eonvert1Ne tocash.havo a ,t1blcmarket valoo, a,w;t a very$hort tcrmmat\rnty. U.S. Tro.aSi.lrybilts are b-Kkod by tMfult fa,tfland croct.toftho U.S.. C3o-Hlmment and.. when held lom.atuuty. provide ufety of pnnc1peL (See the "Rl1ks lnhe1ent tn lnvesuner MC\10r m Un lml)Oftanl Ot1closuro tnto,mation for• summ.ary of1he rtsk• •$$0Cl11tod with i~&tl"C' in. e•sh alte,n,nves.) ilond, 8ond• a,e elthet" domes1ic tu.SJ or l,10bal debt1$9CUrrt,es i1su~d by either pnv~te CQrpot.thC:lfl$ or eqvemmecn-&. cSee the ~RIP& Inherent in lnvcsbn(' sect.iOn In lh1s Import.ant 0.sclo,uro IAformatiOn for a summery of tha risks au,oc1-&tod with inYo&tJf'II mbond,.,. Bonds are also c.allod 9f1x-.d rncom. sllilc::1,mt1•L1 Domenic eovernme-nt bond, are backed by th$ fult fatth and ert'.ldit of the U.S. Govetnmc-nt and ha"" supenor liquiditv and. when held to malunty. utely ot p.1nc:1ptl, Oom.st1c c0tpo,•h• bond• carry t~cn,d1l ,1sk of lhelr tUUitn llnd thos u.sualty 011•1 add1honal y-'d. Oom.stic irovemment and COfpofato bond& can be wb-dMded bued upon thei1 term to maturity. Short~tMm bond& ha Stocka ato 1,.."QUllV MICUUttcq; of d0TT101t•C t1nd forv,an COq)otlOoffl. (See tM "'Rl$kl lnheront in lnvvtt.1111" wc:tion ill thfl lmpc>rtant Ol$CJ0$u1• tntormatlon for a S1Jmma"' o f the r1&1c11ssoc1atedW1th 1nvoatl}\f! ln etocka.J Oomwtic atocka 11•vquity ~nlJHof U.S. eotporations. Comntic 1ux:Mi aro often sub-divtdod baMd upon tho mark•t CJIJ)llaiiabOn of lhl compeny(ttw, market vaiuo Of t l'\e c:ompanys 11toc:k). "1..alr,tc:ap-etoc:k& 110 trom larr.91' comp.tnio-. -mk:I c:ap-frcm the ~IO r1nco ot comptnio,, a'KI •$11'1&11 c,p~ from smaller, perNPS newor.comp.i-.ie$. Genor•lly, smell capstoek.t oxpertCi'ICC &ruter mar ket voJ.1t1lity than 1tocksof com~nttrt w1lh la,ecr capdahzation. Small cap docks ate pn(tially thot• from com~fllln whos• capitall.uit1on IIktss t hanSSOO m1u1on. mid cap ttock, thole bOtwoftn S.500 million and S5 blll10n..anc1 large cap over $5 bllllOft. Lari1' cap, m1d cap and 1m111I cap may bo lurlher svb d1v1dod 1nto·'7owth· and ·va1uo· calVSottOS. G rowth companws arc thoff with an onent•tton tow:1111ds ,rowtb., otton et\araetor~Od t,; commonly l.l$C(I me:tnc:& aucl'I as 1'11C-f\elr pneo-to--bQol< &nd p,lco--to--oa,nlf\C\11 ratliM. Arwik>eollsly. valuccomparuM aro tho5o with a.n onentabOn toward1o value. oftencha,ectenzod by commonfy u~ metrics wch" k>wCf p,k:c- t~•nd pnc.. to,411rn1n,gs ralJOs... International stocks •re oqu,ty securities from foro1&n COrpoflltiOns:. lntomattORII ~tock$ are often aub-01vtded 11110 those from "d,evoloped~ COUfll11es •nd those hOM ••~rgine mark•ts.• Ti.~•t ine: m•rhb• r• 1n.... d4iv!Mope,d oountrl>lts. With •mtrfng t,,eOnom.. 11 that ~ybe char11C1e1ized by lower Income per capita, leM developed lnfrastructull!I end Ra$Cent caplt•I marJ,;ea.The&e ·emerpll mar1ceui• uwally are less economically and polilJC•ll't s t•ble than th0 •devc1opcd market s.." WolcomG Bonus.: Term• and condition& apply, Offer is sub)9Ct to lender aPJ)fOY.a-1, To receive ih& offer. you ffiU$C (I) r9'i&ter and/or apply lhrouBh the referr1I I-on~ 'fOU wu,u Vfflt1;(2)completa I lolnappticalion with Sofi;(3)h8vti and pl'Ovido QI valtd US bank account to,~rMbonus:I') and mt..-etSoF"fs unc:1etw11nni eriter1.1. once eon,chtt0n1 a,e me1 and tM loan nu be4[1n d1.sbu,..O, 'f()l.t wtll r.-eeiv. you, welcome boN.11 vu 1utonutltdeJeart ne_ house (ACH) klto your c:hecklng .account with•n 30 calendar da','&.. 8onusec that .are not redeemed within 190 calendar days of thed-ate they wo,o mado 1v11l1blo to lho ,ociJ;HOnt may bo wbjc-ct to (O(fCi'-Bonuu amountJ: of $600 or "°oato, in II tmflo calond"u vet111 may bet ropartod to 1M Internal Revenue Serw::e (IRS) .umllCllllanoou1 income 10 thll r&elplent on F'.orm XJOS--MtSC tn the yaa1 received at ,equlrod by app11ca1)l& law, Reciprent is respoMibfe for any applicable federal state, or local ta.Kes asaociated With recewlne the bonus offer. eoo&IJll your tax adv1&0( to dolormmo 11ppbeabl•lax consoQUCOCn. SoF, rO"tOrYH lho ndit lo ch•fl£9 or to,mmto tho olfctr al any lJma v,1th or withovt notioo. (Mombor- Rato Discount Program: Elilrtting Sofi members with• Sofi Mort&"ae-e. Personal Loan, or SWdent Loan Who t.1ke out• MW k)afl of a dtffore,t prod\JCt iype win roool'Ve tho 0.12S% Member Rat ct DPKount on that now loan. To bet OhRJtrio ro, lho Mctmbe-r Rate 01M:ount Protram. mombon mual meet lho lol1owm1 C111e11a: 1} UWI ffM!lmbl!!, mu&t be ,n good at.andll'l(wtll'\ tM,r eurrent aM poo, Sdi lo.al\8- :Zl the member Ms n.eve1beel'\60Qf more day& pt.!itd11e on a cumint and p,1ot Sofi k>en:3J the member hes: not been 30 or motod.lys past due mo,e than once ona cuuent and poor SoFi k>e.n:and 4) the mt1mbo1 was nev.r m f°'bHranc• o.n • Sof1 loan. TMt M~bt11 Rate Oiacount must be to, ad11!•1•nt type o1 loan, thus 11 doe1 nol apply to anothe1 loan of the ume type. Fo, lns.tanoe, an exl&11ne SoFi Per$0nar Loan bcwnw.,,e, i& not eligible to recetve the Member Rate Oi&COUnl on a second Sor, Personal loan. but rs elieib'8 to 1eoeivo the Mcmbe, Rate Oisooont on• Sofi Motteaeo. Morteaee Rcf1nanoo. Studer\? lo.n Riilil1nanc., P111ent PL.US Studenl Lolln R-1..-.•nce. or a Par(N'lt !,,_.School L~n. SoFl Wealth members with oo SoFi kMln account& will el,o 1e<:eive tho Member R•te Discount on•~ loan 1f tM member's oXistme Sofl w.111th .-:count ~ta rnm1ITI'l,llm blll•nc;• e,,,.,j. dt~11blJ,d bt)Ow Ill UM hme of (N1t,1..-ll(ln of u..--.w lc»n. Si;,f'.1 We•lth "'*fflbtlirs. .,.•h£1ble to 1908fWI the Me-mber Rite Otoootmt on a MorteJ.lil9 Loan 1f they ~ve and ma,nta1n a minimum bal•noe of $50,000 In tt"te1r SoFI Woalth acooont. Sofi Wtallh mcmbC>rs a,<, 0He1lble to ro-co1v• UM1 MOtnbor Rate Di1covnt on • ,,_,sonal •nd Studonl Loan if ltw',' hlllvo •nd maintain a mmmum b,1anee ot $JO.ODO 1n th.tlr SQf1 W•iotth aeeount Tho SOFi Wt11ffl plotfo,m is operated &Rd mtint11nod by SOfi WHlth LLC. an SE:C Rt11sto1ad lnvMtment Adwc,. 8rokortto s Stand.sifd& and l,Jmlt3hortll 711 Adi~tablo R•tc Morteaec lARM) loan products w,11 rcc&ivo tho Member Rate O.scount for-the duration of the flXed portOd. 1.0. 7 years only. L1m1t~Mt-mbe1 Rate Otscount per kNlrl. M.mtMrRate CJKountannot. be combtnttd wrth other rate d1scounll, wrth the except.ionoflha 0.25% A"toPay rat e diae,ount SoF=i reserve& the net,, to t;hanc.e or tennlNte tht!i Mornber ~Jte Oiaeount PrO(.Tamto lll'llmrolled p.articiP-'l'lt.S at an't ttme with or w,thout notice. Pe rsonal loan Member Rate Discount Average Savings Member Rate O.soountProe,amevorae,e Mv1r,es of $147forSoFi Pof'$0f"III loan-s 15 based on all Sofi members wto finenccd 1hc1r poraooel loanl between VV2016 anOONOT REfl£CT ACl\JAI. ~ Of RATES IN -11 11;: rurt.e:)2) membe-rsmake aH pavm,ent a ontlffM!I J)rnernbeta m3ke montl'lty p.ay~ra 101 th6 Mt dur• tJOn of t halt 101n 4)ffM!lmbers t•ke &dYantAp Of AlltoPay, Wt\ich en:ittles them to towe, the APR OI ,i,e., lOM bV 0.Z5%. StudeQt Loan Member Rilte OiscountA'l'OnlC'I' Savinp Mctmbor Rato Oiicount Pl"OIJ'atn •v~-ec, savinl'I of $659 for Sof'1 StUOOn\ Loans,,_ b4w-d on all SoF", mcmbcns wtlo tof'INlncc:etween Vl/2016 and lVJl/2016. Tl'lo savlnp calculation 11 dorrved byt1k1nctM ldohmeco11 of SoF"1loarw1mlrw&U'le lifetime cost of Sol-I loaM a™Jmine a 0.125% discount The s.avin1:aca1Culatl0ft aswmes an aver•&e t.ate of ~ APR. an a1,1er~e te,m of 137.AJ month5. .1nd an avv1at9 bal1nco S1IA.9!.. SoFfs lllvt1mo nv1ne, me\hodOloeY tor 1tud~nt I011n nitmilhClnl a1P11Tlft 1lmombo,s' ,11to,ctsl ,at.-, do nOt cbtnto nverttmo(l>R01-clJONSl·ORVARII\IJl.(Rl\lLS~Si"AllCAT ll€ UMCOf"~I\NOOONOI Rl,J'U.Cr AClUl\l..MOYIMaN( oF RATISINTI-ERIT1JREJ2) mcmbe1&M11lco •U pe'(Mentton t1mo 3)members make MOnthlyp,eYft'Ktnta tot tho-full dvtatlon Of t001rl0an 4) mambs~ tak• advan tap-of Autof'ay, whJC"h 111n1bl•1 them to tow.r th• APft of thilu ban by 0.2$%. M•mber Dally savings: Averap da,tv uv1ncsca1eu1a11onof $91.1 baaed on a11Sof:1 rnem.ber1 WP\o reti.nanced 11'1e1, stlJOflnt loaru between 8/16/2012 and6/J0/10l6. The calcu1abon is de11Ved bV avc-raeine: the mohthly MYln&a of SoFi mom~,s. which is c•leulated by t•it.n& tho monthly student loen payf'ncnta pn01 to relm.1ne:1nc: minus. th9 monthtv ll~nlloan payments 1lht1 r•lmanc-111~ with Soft. and U.n l•kmi thf-da1[y a...... -at• of that moolhly 1-1v1np, SoFi'&dailyuvlnp methodokJeyforstudont loonte,fiMnc1ne a~umeg I) members't11re1eat ratesdOnot chan~over tune IPROJECTIONSFOR VARIABL.E RATES ARE STATIC ATTHE TIME OF RE~.MO00 NOTRER£CTACTUALMCMMEKT Of RATES IHTHE FlmM) 2) m•mt..rs. m111k.t, ,ill p,iyrrMJn1- on tlfn(J. S(,f",._ d•1Jy -.,vmp. mttU,odOlor.v IQC stl,M;t..,t to.in ,ehn111nc1n«111xclvd•• ••t~ni::int,s. 1n whl(:h I) 1TMITT1b.11. e'9Ct a Soft loan with• &hortet tom, th.afl their prior atudent loan tetm(s) 2) the term 1enett, of the, SoF1 member'ap,rkw atudent toao(s) W.1$ thOttur thllr'I 5 'te.l!s or tonp r than 30 vv-a,s 3) tho Sofi mumbo, did not providCt correct e r compl9t• inrormation,uw»rdme his er hur 01.1ttUnct1nc t>at,noe, ~" type,. APR, or eun•nt rnQflthly paymanL SQf1 Hel\ldff thl: abov• re-tlntnt;1np 1n an etto,,: to ~iomU• tt1n1par•nev on how we c.a1cu1•te otir da1ty, a.vln~ amount and tomln•mlla the risk of memberdata erro, Uewinlil thed3'ily Hvings amot1nt. Mombor Roforral Progr~.m: L1tet1rne ,eterral borw,: P.,'(l'flent ca1eu111non 1$ ~ on the tot•• tul\d.s ~ic, o, penct•n« p-"fment 10 sor1 N!ller,i1membe,.., WftO earned one or mQfo !M!lcome bonuae5 throuifl the ,oferr.al p,oeram between W10fl4- VJ0/2017,relilardle-5' or whethec" the fufld&ha..,ebeen disbursed Tl'\e member t1fetime uvinp ealeula11on 01 $120.509,138 Is tor Sol'I retorrecl membera Who l\ad tl'lelr etudent o, s;o,rent plus loar14 rehMncod between 711712013- 1n7l'2017. Sofi'$ Met•me nv1og5 mefhodoloevto, student IOan refinaoc•ngas$lJine& t) member.s• lfltere1t r.atesdonot c:hang• ovor time CPRoJI.C'l IONS I-OR VARIABU: RA n.s.ARI: SlAllC AT1~ IM01- REflNANCING MEDONO I REH.I.Cl ACl UAL MOV(MFN'l'Of" RAl'J's IN 'I'll(rune) i, member& ffl.$ke au payme,ns on time 3) membeltt make monthly payrnMts ror tl'\e Juli duranon 01 tha1r loan 4) mombore tako ad'vant•ceof A.utoP•y. Which enables t M:m to k>wer the APR of !hair loan by 0..2S%. B:>rrowcrs refiNOC.inC loans Into ~'t• rms lyl)t(:•11';' forltlt uv1np fOf lonr monthly l)lYtnfflta. Ufottme welcome bonus pavmcnt cateuJat 1on I$ based on the total funds paid OJ pond1r11 payment toSof"I rcferril1 members whooarR(!d • -~...... tvw-.,,._ •.,~..., •..., • ....,. ,,..,..,,., ...,,...,.,... i-..1-nnnn.t-11"V11?017 ••••••ii•••,..,,...... ,,..,., t"-luM• ...... __...... , ..--i Employer Contribution Program: A¥1lfiCO &wollco Lifetime Sr,,q:s AvfHll(.tl •n,on1,. llf•t1rn. aaV1np ealcu1.Jit10n ot $6,357..SO •• bJls.d an .1111 •mpk,yws or SOfi's £mp,oy., Conlnb1hOn Pro1p•m p.rln.er• who received co,mibutions between Sll3/2016 and 4/5/2017. SoFl h:1-etf is a pj,rttcipant In the Emplove• Contobutioo i'togram. The sav•nes calculation is de11ved by t•kil'lf the estimated hrCttimo ooot of the enrouoc·s ex11tinc:ttudont loan w.thOut the cmploye, contnbutiOn mimtn the l1l•t~cost OI' e)l!lt1ft1 stl.ldent '°"" with the employer'"I contnbU110n added H 1nadditlOl\11 payment ucl'I mocilfl. Sof:f1 average 111et1irne uv'ln~ methodol<>i'f fo, Its Employer Contnbutlon Proe,am auumes.: 1) dna ente1ed durlfle emoflment In the ccntrlbution p,ogram k accurate; 2>4Jmollff'l'intOr"1t1atvadonotchanti•ov.rt11nt~fORVARIABLERATESARE.STATICATTH(TMEOfREFINANCINGNlJJDO NOYRrn.tcr AC'rUIU.MOvt'MI N'r0tAA'f(SINT1N n.lfUR0:31 lffltotleee.make 111 ~yrnent1 on time 4):enroiiees m:ai:e thel.r m•n1mum monthl)I payment fot tho full duration of thi,r toen; 5) employer contributlOO is apphod fo, the duration of the en,ollcc's k>an; and 6) cnroflee r•m•m• •m~bv th• c:omptny to, ttl41 durthon Of tM11 loan. SOfi'• h•r•ro lrtotimt ...vmp: mothodoloCY lo· ,ta EmpJoy•r Contt1bullon Proeram Mclude.s: 1) enrollees homemploye,e. th.n c£o not apply tho ~onni~tlon for (he dur.ation of the enrotle-e'a '°8n: 2) Of'ltol~.ei wrth IQ:an terms of 2Syeara or crc•tcr who ha~a remain1ne loan balance under $60.000: and 3) enrotlc)e, w,th loan terms .,-eater thin 30 yeara. AYeraca, Monthly Fmpklyer Contribution Annrlt AYOf• monthly employer contribution amount ()i)lculatioo or $88.« is beSOd on ••I of SoRtEmployer ContnbutJOn Proeram partner• who ha~ otter..-1 • monthly contr,buhon betw.•11 Srll/1018 and 4/5/2017, Sal'."1,t.MII ,.. a SMrt,c,panl in thti [rr,pioy.r Conh,butlOn Prof!um,. r~ celculatloo I• de-rived by a't'era;fng the mcxnhfy conuibutlon amount ottered to each eruoflee fOf ~.-ch employer. the-fl av91'aglrc all of the vmployt:tr'a fflOflthly conu1blltJOn a.moun\$. Sofi"s IIV'""11K$ monthly eontJib\l\Jon amount motl'IOdOlotY f0t 11.1 Emplovi>r ConLnbullon P,¢1,.m uqs. ti,. contribtmon •mount ttat enrollees teotl'Ve as of .t.r..;.,2017. Total~Comnbutiooa Amount lot.al employer contnbu110n.s •mount ealeutAtion Qt $478.$56.94 •• based on .1111 Qt Sorn, (mplOyer Conmbution P'r0£ffim ~rtne•• wl'IO l'l.llvo offered a monthty contribution between 5113/2016 Jncl 4/5/2017, Sof'I ,u.eff" • pamcip.ant ,n the Eml)N)Yer Coot11but100 Proe,am. The cak:ulat,on is A\lefa&'O Enrolco ~ Yoers Aodruood Avo1a19 un10lln,•paymvnt vo-ar110ro,cram. The ,epayment years toduced calcul,tion i, derivad by takine the Mtimatod years of repayment for the entoilee't cXistine student loan Without the employer o;intnbuho11 rn,nut, n,-y,,a,,or tlllp.Jymo,nt or ,..x,shn,i,; ,t~l~ w,lh I~•mpl(,yl,r"s t:onh1bulio11 •dd.-d •••11 • SoA Liend•ne Co.p. holds COMUmer '8ndioClicensct ifl the foOow1nc Sl&to-s: State License Type Alabama 21983 Consumer Crodtt California 6054612 / NML# 1121636 Anance lender Delawaro 30278 Lendor DC MLBlt2l636 Mooay Lendet:51-Class A Idaho RRL-9120 Rogulatod Londor Indiana 18090 COnsumer Credit lcwo NRR2014-009e Rogul.,tod Loan Loul~ana 1171636 uccnM!d Lendittr Maryland 1471 Consumor Loan Mlchtpn RL-0019084 Regulatory Loan Mlnne:5i0ta RL-167 Regulated Loan Co. Missouri 367-14-7215 Consumer Credit Loan Co. Montana 1121636 Con$umer loan Novad• 4635 Brokw Uconoo North Dakota 1121636 Money 8roker Orog<>o 0436-001-C Con:.umor Flnanco Ponn:.ytvanla 42140 C-oMumer Dlscoont Co. Rhodols;l_,r,d 20153065LL Londor SOUth O.ikota MYLJ015 Money Lending Uecns,os Tennessee 3745 lndusuial Loan & Thrift LIC9flte Texas 154481 Rcgulatod Lender Uccnso Vermont 6705 Lander W.i-:.hlngton CL-1121636 Consumor Loan SOFI LENDING CORP. MORTGAGE STATE LICENSING DETAILS SoA lcnd,nitCorP. 1san Equ,t HouSinelcnd!!r. A$prohtb1ted byfedcrall•w. wedO not ene,aeo III bu&1nos.s practJCI'.!$ that d,sc11M1n.ateon the bau, ol 111C•. eotof, r•ll&JOn. n,tion.f OrJClR. M1t. mant1I sbtva.. •1'11 (prov.o.ct you haw tt,e, t:•1>K1ly to enter into• b1ndm1 conbacU. ~•ua••l t or part of your Income may be derived from any pubhc a~stance proer11m. o, bec,1u59 you havo. In eood fanh. 011erc1,ed any 1li(:ht under tho Con$Urr'\et Credit PiQtectioflAct. The federal aeoney that edm1n,:.te11 oul eomph.ance with these feckt1al l8'ws 1slhc ,:cde,al iu1de Cornmi»ion. £qu.al C,~rt Opportunity, WHh,ngton., OC. 70580. Ala bama CoMumcr Crod1t ~MBNo. 21S83 Arizona SoF1 londm• Colp., 1O:J!> W. Qvoon C,Hk Rd St.9101 Ch•ndkrr, Al. 852480. Morteago Banke, l.ieunH #8K-09342rb; californle LJcenscd by tM De~rtmcntof Bu1,n¢S$Over$1iflt under tM c.tif01ni.e Rnan<:G lender law Uoonsc No. 605'61UNMLS # 1121636 Colorado Motta:.aati Comp,liny R.9f:1a-lratron ~.so;1m6:J6 conn.cncut 0.lawaro Lendor Liconso # :30278 Dls:trlct Of Columbia Florida Mortsa~ Lc.onder ServK:01 License# MLDIIOS Goorgla CeorlJl• Mottpp Lender Lteense No. 42010 Idaho Illinois m1no1s RH)denn1.1 Mor11aie UCeMH LM:•nsa No. MB..616106.J Deparm'IMlt of rm•ncfal and Professk>nal ReculaUOO DMsion of 8.ankine 100 West Ra,ndo,lph. 9th Aoor Chlea£()\. IL 6060131:i'-814--4500 Indiana Maryland Maryland ~pLendflr Lieense I i 1ss~ MtnnHota Montana Lioenaed by 1heMonran,11 Ptv1s.1on ol 8-nking 11nd J'.a,m1C:ial IMtrt\lllON.Montolltta Mcrtg,,g& l.tln New Jersey Now York Licensed MOf'teaee B-anke1 - NYC Department of rm.ancl.a1 SeMCM Liceo&e Number 108933 - NMLS 112)636 North Carolina North Dakota MoneyB,Qker Ucenise No. M8102164 ore,gon Or~eon Mort,aee, lend1ne Uoons«t # Ml-5418 P"nnsylvenla Rhode Island Rhode lsl.and l ender UCcnsc # 201S306$LL Tann• ssee i • nn.rn•o MOflC•lfl Lendinc L,cens. # 121518 Toxas Con$umersWist.me to file• complaint c.e•ln-st • MOrt&a&o company or a lioens.ed rnorte.aeo cotropany-rcskScntaalmori:11:.-eo loan on1tInat0f ,hould oomphtl• and SC!lnd a compl•1nt l0tm to ll'lo lttx• .s 0.p.r1ffl"nl OI S.V1ngs and Mor(e~ t.rld,ng. 7601N«th t.mar, Su11•70 1, AUlllhn. Texas 78705. Comptal:nt. forms aod ln6:tructiom; may be obt.amed from the depairt.ment'•we,bsrte a,t WWW.SML'l"EXAS.GOV A toll-free consume, hOtltoe is tv•ilablo at l-Sn-276-5550. The department m.aintalni • rocoYery fund lO make piyment& of certain actual out of poc:ketd:amaps ius.talnec by bo«owers caused by act!S or Ncensod motl&ap company residential morlia&;O k>an orie:1n.ators. A written •~ication fo, 1e1mbors&fn(lnt horn the ,~,y fund must be 111,ic! with •nd mvHt~•t..:;11 by lhe d•~rtmenl prlQI to the: paymffll ol • clam,. for mor• mlormahoo atx,ul tt,,. rtcov•ty fund, plUM conaull tM depfrt.mttnt's webclte at WWW/JMLTEXAS.GOV. The de~rtm4'nt maintains tho mortc:-IF bfOl{er rooove,y fund to make payment~ of certain actual out of pocket damai::cs su11u.invd by borrowcns caused by ..cuof licensed res.denual moneaee loan 01111:11\ators. A written •PJMicltK>ll ror reJmbUrs.ement rrom tM recovery tund mun be NIO Utah Licensed by lhe Utah Oepartrnent of Real bt1te, Ut,111\-0RE mon:cace Entity LICl!Nfll # l0'193907' Ucen&ed by the Utah Department ofRea1 Estate, Ulah-ORE M ortg-ee EntJty Ucenso-OtherTrade Name # 1 #9223125. Uulh-ORE MortelC3918 V•rmont Lieen&od by the Vormont Sar,k1oe OiVIM()(I - Lender lic:C'nlC # 6705 Washington Consumar Lotn Company LK:vnso Cl·112 1636 w1,con1-tn wvomina SOCIAL FINANCE LIFE INSURANCE AGENCY STATE LICENSES Social rmanc. Llfo ln5u,anco Aeonc:v LLC holds lr1o msv,•ncq aeoncv bc• nso, m Ont ronowmc 1t11toa; License Number Alabam.1 773162 AIHka 100135885 Arizona 1159472 Arkansas 100161658 California OLl3077 Colorado 519092 Connectict.lt 2535731 Delaware 300002771'2 DlsMct of Columbla 3098049 F10ftd:a L097765 Georgt.11 191708 Hawaii 444833 ·rdaho 588933 llliools 100781196 Indiana 3189520 Iowa 102279025 Kanus 611197079--0 Kentucky DOl-931183 Loulstoma 707821 Mairw.ii AGN275435 Maryland 3000035395 ~"8Chusetts 2013'1!>6 Michlg.1n 110767 Minnasota 4°'94303 Mississippi 1503043 Missouri 8388434 Montana 100159259 Nebruka 100257107 •Nevada 3189525 NQw Hampshlro 2352445 New Jersey 1622442 NowMoxk:o 100014691 NewYork 1444252 North Caroflna 611797079 Ohio 1124435 Oklahoma 100271523 0,-egoo 100297507 Pennsylvania 790122 •Rhodo Island RI d00$ not llconso agonckH "South Carolina 209887 Sooth D.1kota 10019195 Tennessee 2348236 Texas 2135572 Utah 593009 Vermont 3199669 Virginia 140604 Washlngton 930875 West Vhginia 100229069 Wisconsin 1002\6955 -Wyoming 321451 Questions? Call us for a free consultation at 855-456-7634 COMPANY ...... ,..,.,.. l>CUJI Aa0UT SOR Tlll'l, EVfNTS A M(MrE St\dMI"""""" lOIIII ~ Pl"lYtcy&S.O....,., FAQ Morl:petlDIM """"'"' TfW1'1'6d\l:M CQrita.;IVII £,,1., Email Add1•:n D -·- ~ T.,.. ff ~Lon• ... f ICI ,, I!:!) S· ® --fl'flr1N\ll,6,wH. - NMI.S,.._ 18!i.SJll.58-1'63Al • l'lf.r,!PU.1$1!~ -""''"" -Fl~Cn=•1:a ....""""""'-,,.,.,...... l~HRild:tbur1A~ - ""'•"'°HMr:bb.-e.CA9S448 WQ!th...... ,_. - ...--·...._ --C85Sl!,2!).1834 , ..rntwidc.c.:!,llof.-Applr .SOJ!llSlRVtS !Hf. IOOHT l'OMOOIFVOAOISCtJNl!tt.( Pfk'.IOIJC1s-..w•fl!ITSAr IJf'(Tt,(~WITHOUI ~om Toqu,Wr.,~•"1Ullt.bt,US ~ICibW!Olpff~.. ~tn.n ...... n~ SOffl~lbft~NOllllbllm!Mnr«6'Wllhl.... r••loqtJ1irtybrllltlliilllltMl.yr»~tll'ill1~~1ttsto,ynil!W««MlmnbONll~'jQl'IC'tllllml\lrllbeWfttlolllblrr.pottJ!Ulttlld lboYl:ad111••~an•~dPICtDr1.ll'ldudlltt...aCJIIDll\1'9~J"1lmilllllaory,,...d~«'CIIW•fldCIMl'~btnlftdftrr.11a,• U!JICltod'llrlfllllll}'lll"'Wwrt!'looa:Nllr9111dft~I01Ul~Mffletl0m_ Wi.._..... ,.,_. _ _,dDaal ....- • - ...... - ..,.,._._~Cllm_,.•Noa._.....,._. • .._.eana..-...,.,_.•MYl\&lned~Ull~otllwlauO....,.. llr'OffNClktc(r,•IMl'IC91.Mf•f.._..,lJclflaHID ~2.torilol'llfartor,pl'llfObySdiLlfd'"ICcrp.,ml.S•nz,$J$!ww.____ .,. I To~tN:!it~ltldtfff!'ldl't'Od Exhibit K 1 SoFi :: iiiiiHiiiii O>nls.t.t Fr ··• Get Your Rate Tell Us about Your CuN·ent Lo ans $ 2S,OCOOO 0 What type of loan are y ou lookfog for? Von lln.1:M;11;cr.alfy ~~ ICf"rtlf' r~ ~~towwtll Jr VCIII /11,!tH lt;olpdkl(Hrtg, ~t If !hi!!~ ~ .. fo~n l~rtl yl)<;'!I 11kt \t\911"11 t&n'l , .....i, lt?ttt cfllll M~ "'' '"85'S-4S6-SOA Ill e.-... 11 Ct.tt.,_1~'6.ccm. f:'i )(ed Rate f).:l)'fflent M!Yer CN!nget ,-,0fl ll'lly Ufo:!lm" T= p:Jfmlllli 111~1;11,g, ~- = .... ti Solo::ttd 5-).. #' $4.JU O 3.600% 1'27.Ak .OO J.1.37UO ,o.oo Stied 7,y..:lf ')~4.60 4.000'4 S'2MJ6..t0 s.5.e.36 00 .,,00 ~,~ 10-)'•-- $2(;~ '3Z 4 c;1.:;-.., S)I G.2'2.tO w-,i 10 (1(1 SoltKt ,..,.., S:?1.l2 G2' S ll5% $:')S..A7 1 00 sooo Sele-ct 20.~~ ! 173 74 !-,375~ S:1169HQ sooo Sl16 53 Vari:.ble Rate IO!Hl:"1 p:1ymet1t tochly Mnnmty f6'1t1 J)a>j~!ll ln!elli(;ll8l(o Uli:'t.me0091 S.lec1 5,ye;w 1«S 78 2. 440"- Ven-?~ "'"' s,,i.c, 7.-,.y 13266:> Z-.4JO't v,wcs Ml.00 Solod 10.ytM' i2-4H.0 2'~40 '-l, Y.'lri!!S S4G S7 ~lecl 15,ye.:.r !179,52" ~315% ¼ lie:$ S110.75 S.""1 20.yw.w -51-'!107 ,.., .. Vi.lries 5111 1.20 Al , ~ 1.1•ffiowo1~k th;. twj_,.,., Olk.4..,.1 p .2~ ). 'tou a,o .Ol t1•11""'-clti.~ ..p bf A11u,p,1oy. ~.-s. Van~b1e~;;Ho•.ar~1t\f1Ydttf.-1('ontt '- l•MM+I Qf