So Fi

Redefining Wealth Management

 Disclaimer
This is not a solicitation for securities

The material in this presentation has been prepared by SoFi and is specific provisions and risk management practices. Readers are
general background information about SoFis activities current as at cautioned not to place undue reliance on these forward looking
the date of this presentation. This information is given in summary statements. SoFi does not undertake any obligation to publicly
form and does not purport to be complete. Information in this release the result of any revisions to these forward looking
presentation, including forecast financial information, should not be statements to reflect events or circumstances after the date hereof
considered as advice or a recommendation to investors or potential to reflect the occurrence of unanticipated events. While due care
investors in relation to holding, purchasing or selling securities or has been used in the preparation of forecast information, actual
other financial products or instruments and does not take into results may vary in a materially positive or negative manner.
account your particular investment objectives, financial situation or Forecasts and hypothetical examples are subject to uncertainty and
needs. Before acting on any information you should consider the contingencies outside SoFis control.
appropriateness of the information having regard to these matters,
any relevant offer document and in particular, you should seek
independent financial advice. All securities and financial product or
instrument transactions involve risks, which include (among others)
the risk of adverse or unanticipated market, financial or political
developments and, in international transactions, currency risk. This
presentation may contain forward looking statements including
statements regarding our intent, belief or current expectations with
respect to SoFis businesses and operations, market conditions,
results of operation and financial condition, capital adequacy,

2
 Slide Overview
A look at our presentation agenda

Solution
The pressing problem in the market
today and our bright solution.

Introduction
How our business model works and
will reshape our industry, while helping
us secure a profitable future.
 1
Our Service
The unique and synergistic
combination of our financial services
products.

Our Team
The brilliant team members behind our
technology.

Achievements
Our accomplishments to date and how
we will continue to grow at an even
faster pace. (Financials Appended)
1

Financials
Financial performance and projections
for the next three years/12 months.

1
OPENING
The Leader of the All business and personal presentation
The Problem
The finance industry has a reputation for being aggressive and unfavorable to consumers.

When a person thinks about their lender or life insurance provider, they usually dont have very favorable comments.
While this is so common it is now a mainstay consumers have grown accustom to its a serious problem.
Consumers should have better interaction with their financial services provider, a community built upon trust.
 Financial Services Today
Heavily Fragmented and Complex

Loan Management
Accounting Firms Loan Applications
Local Lenders

Wealth Management
Hedge Funds

Lending

Investment
Loan Acquisition
Lending Institutions
Savings
Financial Advisors
Retirement
Diversified Sources

7
 Industry Overview
The Significant Market Opportunity

GROWING COMPANY UNSATISFIED MARKET GROWING INDUSTRY RETAINED CUSTOMERS

75% 85% 25% 65%

The company has grown at over 75% According to an independent study, The market for online finance is Over 65% of the customers of SoFi are
in the last 12 months and continues to most customers are unsatisfied with growing at over 25%, specifically retained and sold other financial
grow at a faster rate each month. their financial services provider. within lending segment. services products through the site.

8
 OUR SOLUTION
$18 B funded 275,000 Members

SoFi stands for social finance, it is a community based approach to lending across
student loans, mortgages, personal loans, and life insurance. It delivers great rates,
zero fees, and an unprecedented level of service in the finance industry.
 Save,
Invest & Earn on SoFi
SoFi is a community of lenders

Loans Life Insurance Wealth Management

Loans for students, personal Life insurance policies to ensure Wealth preservation and private
loans, business loans, and more. families remain protected. investments for maximum ROI.

10
 11

The Financial Services Ecosystem

A Clear, Synergistic Mix of Services

Discover Structure
Discover new ways to better preserve your Structure the financial services products to
wealth and maintain a strong, conservative meet your needs from loans to wealth
financial portfolio that meets retirement goals. preservation and wealth generation.

Expand Wealth Deploy

Expand your personal income Work with the platform to deploy the services
through a combination of private you chose and manage them.
investments and hedge funds.

Grow Manage
Grow your personal net worth and protect your Actively monitor your combination of services
family by increase your wealth. to receive an ongoing combination of financial
services that work for you.
 12

Vision & mission

Redefining Wealth Management

The mission of SoFi is to help consumers to reach their financial goals by providing them reasonable rates, zero fees, and access
to a community that helps them to reach their financial goals, not restricts their financial health.

MISSION

The vision of SoFi is to reshape the world of financial services where providers are not the enemy of the customer, but rather a resource
to help them live rewarding lives with manageable debt levels and affordable care.

VISION

SoFi currently has over $18 B in loans funded to date with $1.45 B in member savings, it expects to increase this amount to $25 B
in loans and $2.4B in member savings within the next two years across 350,000 members.

GOAL
 Social Finance Market
SoFi taps a new wave of social finance

Network Analysis

75%
Of Facebook users are likely
to need financial serviced
products. The shoppers for financial services

24% products range drastically across

97%
Of Twitter users
invest their money. Male Users demographics. Approximately 24%
of our visitors are male.

78% Of people on YouTube may

have a mortgage.
Across social media, the demographics of consumers range

45%
Of Pinterest users significantly. The users on one platform are not the same as
are interested in those on others, providing a diversified access to those in
having a loan.
need of financial services products across Facebook, Twitter,
YouTube, and Pinterest.

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WERE THE TEAM
The Leader of the All business and personal presentation
 Meet the Team
A Balanced Team of Professionals

Kyle Lui Susan Devine Chris Martinez Jared Pool

Operations Marketing Business Development Engineering
MsOffice Social Media Inbound Sales Development

Market Research Branding Phone Support Project Management

Risk Modeling Public Relations Customer Service Customer Experience

15
OUR SERVICE
 Our Market Positioning
A Financial Services Provider People Enjoy

Community Financial Services Support

A growing community with A broad access to financial Professional support that actually
exclusive events, unique member services products from loans to cares about the wellbeing and
perks, and a sense of belonging. life insurance and investments. financial health of its customers.

17
 Why 250,000 + Members Choose Us
A Quickly Growing Community Reshaping the Way People Invest and Lend

Personal Loans Student Loans Mortgages Wealth Management

Life Insurance Happy Community Reliable Support Safe Platform

18
 Market Positioning
An Analysis of the Competitive Landscape

Services Social Media Insurance SoFi Lenders

Business Loans

Personal Loans

Life Insurance

Wealth Management

Online Community

The key differentiator of our company is that we generate synergies between different financial services products. Where other companies remain
segmented, we generate wealth and manage a consumers wellbeing across the financial services supply chain.
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 SWOT Analysis
Well Balanced Risks and Reward

Strength Weakness Opportunity Threat

- A community centered - A community centered - The industry is highly
- A community centered
around users, contrary around users, contrary regulated and many
around users, contrary
to other large financial to other large financial lenders can get fined
to other large financial
conglomerates that conglomerates that without proper
conglomerates that
distance the distance the attention to care.
distance the
relationship. relationship.
relationship.
- Any marketplace is at

- Proven, established, and - Proven, established, and risk if its user base
- Proven, established, and
tested actuarial models tested actuarial models diminishes, keeping a
tested actuarial models
that deliver consistent that deliver consistent regular user base is
that deliver consistent
results and high returns. results and high returns. imperative to success.
results and high returns.

S W O T
20
ACHIEVEMENTS
The performance of the company to date.
(Financials are included in the Appendix)
 Key Achievements
Historical Growth of our Website

We raise $4M in our series A We form strategic We raise an additional $1.0 B

from Baseline Ventures to partnerships with several Series E by Softbank,
initiate the introduction of our large companies to generate providing us continued
website. new customers. funding for expansion.

2011 2012 2013 2014 2015 2016

We hire new employees and We expand our member Our platform is accessible in
add key managers to our network to over 200,000 with over 150 countries and has a
existing core team. $1.0 B + loans funded. growing global presence.

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 International Expansion
Our Global Growth Initiatives

North America Europe

The North American market has The development team is based in
been locked-in through existing Eastern Europe to offer affordability
marketing campaigns. and scalability.

Asia
We have traveled to 12 Asian
LATAM countries to establish a growing
We are currently exploring presence with other lenders.
potential partnerships in Latin
America.

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 Financial Highlights
Projected Operating Highlights By Year ($000) Projected Revenues By Year ($000)
9000 9000
8000 Revenue 8000
7000 7000
6000 Gross Margin 6000
5000 5000
4000 EBITDA 4000
3000 3000
2000 2000
Net Profit
1000 1000
0 0
Year 1 Year 2 Year 3 Year 4 Year 5 Year 1 Year 2 Year 3 Year 4 Year 5

Projected Cash Flow By Year ($000) Projected Net Income By Year ($000)
7000 3000

6000 Net Cash Flow 2500

5000
2000
4000
1500
3000
Cash Balance 1000
2000

1000 500

0 0
Year 1 Year 2 Year 3 Year 4 Year 5 Year 1 Year 2 Year 3 Year 4 Year 5

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 Financial Highlights
Year 1 Revenue Monthly Revenue By Year
160,000 9000

140,000 8000

120,000 7000

100,000 6000

80,000 5000

60,000 4000

40,000 3000

20,000
2000

-
1000
Month 10

Month 11

Month 12
Month 1

Month 2

Month 3

Month 4

Month 5

Month 6

Month 7

Month 8

Month 9

0
Year 1 Year 2 Year 3 Year 4 Year 5

25
 Financial Highlights

Financial Highlights ($000)

Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Year 1 Year 2 Year 3 Year 4 Year 5
Revenue 2 3 4 7 15 24 34 47 66 86 112 145 544 1717 3435 5152 7728
Gross Margin 2 3 3 7 15 23 33 46 64 83 108 141 528 1666 3332 4997 7496
Operating Expense 21 21 21 21 21 21 21 21 21 21 21 21 256 1082 2164 3246 4869
EBITDA (19) (18) (18) (14) (7) 2 11 24 43 62 87 119 272 584 1168 1752 2628
Net Profit (19) (18) (18) (14) (7) 2 11 24 43 62 87 119 272 584 1168 1752 2628

Gross Margin/Revenue 97% 97% 97% 97% 97% 97% 97% 97% 97% 97% 97% 97% 97% 97% 97% 97% 97%
EBITDA/Revenue -772% -627% -507% -205% -45% 8% 34% 52% 65% 72% 78% 82% 50% 34% 34% 34% 34%
Net Profit/Revenue -772% -627% -507% -205% -45% 8% 34% 52% 65% 72% 78% 82% 50% 34% 34% 34% 34%

Net Cash Flow (19) (18) (18) (14) (7) 2 11 24 43 62 87 119 272 584 1168 1752 2628
Cash Balance - Ending 71 53 35 20 14 16 27 51 94 156 243 362 362 953 2121 3873 6500

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 Financial Highlights

Pro Forma Profit and Loss (000)

Year 1 Year 2 Year 3 Year 4 Year 5
Revenue 544,145 1,717,347 3,434,694 5,152,040 7,728,061
Subtotal Cost of Revenue 16,324 51,520 103,041 154,561 231,842
Total Cost of Revenue $ 16,324 $ 51,520 $ 103,041 $ 154,561 $ 231,842

Gross Margin $ 527,820 $ 1,665,826 $ 3,331,653 $ 4,997,479 $ 7,496,219

Gross Margin/Revenue 97% 97% 97% 97% 97%

Expenses
Professional Services 14,400 34,347 68,694 103,041 154,561
Business Development 27,600 51,520 103,041 154,561 231,842
Marketing & Advertising 144,000 257,602 515,204 772,806 1,159,209
Research & Development 14,400 240,429 480,857 721,286 1,081,929
Contractor Salaries 40,800 257,602 515,204 772,806 1,159,209
Misc. SG&A 14,400 240,429 480,857 721,286 1,081,929
Total Operating Expenses $ 255,600 $ 1,081,929 $ 2,163,857 $ 3,245,786 $ 4,868,678
Wages & Payroll - - - - -
Depreciation, Amortization & Taxes - - - - -
Net Income $ 272,220 $ 583,898 $ 1,167,796 $ 1,751,694 $ 2,627,541
Net Income/Revenue 50% 34% 34% 34% 34%

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 Financial Highlights

Pro Forma Profit and Loss (000)

Year 1 Year 2 Year 3 Year 4 Year 5
Revenue 544,145 1,717,347 3,434,694 5,152,040 7,728,061
Subtotal Cost of Revenue 16,324 51,520 103,041 154,561 231,842
Total Cost of Revenue $ 16,324 $ 51,520 $ 103,041 $ 154,561 $ 231,842

Gross Margin $ 527,820 $ 1,665,826 $ 3,331,653 $ 4,997,479 $ 7,496,219

Gross Margin/Revenue 97% 97% 97% 97% 97%

Expenses
Professional Services 14,400 34,347 68,694 103,041 154,561
Business Development 27,600 51,520 103,041 154,561 231,842
Marketing & Advertising 144,000 257,602 515,204 772,806 1,159,209
Research & Development 14,400 240,429 480,857 721,286 1,081,929
Contractor Salaries 40,800 257,602 515,204 772,806 1,159,209
Misc. SG&A 14,400 240,429 480,857 721,286 1,081,929
Total Operating Expenses $ 255,600 $ 1,081,929 $ 2,163,857 $ 3,245,786 $ 4,868,678
Wages & Payroll - - - - -
Depreciation, Amortization & Taxes - - - - -
Net Income $ 272,220 $ 583,898 $ 1,167,796 $ 1,751,694 $ 2,627,541
Net Income/Revenue 50% 34% 34% 34% 34%

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 Financial Highlights
Pro Forma Balance Sheet (000)
Year 1 Year 2 Year 3 Year 4 Year 5
Assets
Current Assets
Cash $ 362,220 $ 953,466 $ 2,121,262 $ 3,872,956 $ 6,500,496
Other Current Assets $ 10,000 $ 10,000 $ 10,000 $ 10,000 $ 10,000
Total Current Assets $ 372,220 $ 963,466 $ 2,131,262 $ 3,882,956 $ 6,510,496

Long-term Assets
Long-term Assets $ - $ - $ - $ - $ -
Accumulated Depreciation $ - $ - $ - $ - $ -
Total Long-term Assets $ - $ - $ - $ - $ -
Total Assets $ 372,220 $ 963,465 $ 2,131,261 $ 3,882,955 $ 6,510,496

Liabilities and Capital

Current Liabilities
Accounts Payable $ - $ - $ - $ - $ -
Current Borrowing $ - $ - $ - $ - $ -
Other Current Liabilities $ - $ 7,348 $ 7,348 $ 7,348 $ 7,348
Subtotal Current Liabilities $ - $ 7,348 $ 7,348 $ 7,348 $ 7,348

Long-term Liabilities $ - $ 7,348 $ 7,348 $ 7,348 $ 7,348

Total Liabilities $ - $ 7,348 $ 7,348 $ 7,348 $ 7,348

Common Stock $ 100,000 $ 100,000 $ 100,000 $ 100,000 $ 100,000

Retained Earnings $ 272,220 $ 856,118 $ 2,023,914 $ 3,775,608 $ 6,403,148
Total Capital $ 372,220 $ 956,118 $ 2,123,914 $ 3,875,608 $ 6,503,148
Total Liabilities and Capital $ 372,220 $ 963,465 $ 2,131,261 $ 3,882,955 $ 6,510,496

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So Fi
Redefining Wealth Management