SoFi Technologies : Investor Presentation – February 2021

SoFi's Acquisition of Technisys

February 22, 2022

Forward Looking Statements

Cautionary Statement Regarding Forward-Looking Statements

This communication contains certain forward-looking statements, including, but not limited to, certain plans, expectations, goals, projections, and statements about the benefits of the proposed transaction, the plans, objectives, expectations and intentions of SoFi and Technisys, the expected timing of completion of the transaction and other statements that are not historical facts. Such statements are subject to numerous assumptions, risks and uncertainties. These forward-looking statements are not guarantees of performance. Such statements can be identified by the fact that they do not relate strictly to historical or current facts. Words such as "anticipate", "believe", "continue", "could", "estimate", "expect", "intend", "may", "opportunity", "future", "strategy", "might", "plan", "possible", "potential", "predict", "project", "should", "strive", "would", "will", "will be", "will continue", "will likely result" and similar expressions may identify forward-looking statements, but the absence of these words does not mean that a statement is not forward-looking.

Factors that could cause actual results to differ materially from those contemplated by these forward-looking statements include: the effect and uncertainties related to the COVID-19 pandemic (including any government responses thereto); SoFi's ability to achieve and maintain profitability in the future; the impact on SoFi's business of the regulatory environment and complexities with compliance related to such environment; SoFi's ability to respond to general economic conditions; SoFi's ability to manage its growth effectively and its expectations regarding the development and expansion of its business; SoFi's ability to access sources of capital, including debt financing and other sources of capital to finance operations and growth; the success of SoFi's continued investments in its Financial Services segment and in its business generally; the success of SoFi's marketing efforts and its ability to expand its member base; SoFi's ability to maintain its leadership position in certain categories of its business and to grow market share in existing markets or any new markets it may enter; SoFi's ability to develop new products, features and functionality that are competitive and meet market needs; SoFi's ability to realize the benefits of its strategy, including what SoFi refers to as its financial services productivity loop; SoFi's ability to make accurate credit and pricing decisions or effectively forecast its loss rates; SoFi's ability to establish and maintain an effective system of internal controls over financial reporting; SoFi's ability to realize the anticipated benefits of its acquisition of Golden Pacific Bank; the impact of additional regulation as a result of SoFi's becoming a bank holding company; SoFi's ability to operate SoFi Bank pursuant to its operating agreement with the Office of the Comptroller of the Currency; the outcome of any legal or governmental proceedings that may be instituted against SoFi; the occurrence of any event, change or other circumstances that could give rise to the right of SoFi or Technisys to terminate the Merger Agreement; the outcome of any legal proceedings that may be instituted against SoFi or Technisys; delays in completing the transaction; the failure to satisfy any of the conditions to the transaction on a timely basis or at all; the possibility that the anticipated benefits of the transaction are not realized when expected or at all, including as a result of the impact of, or problems arising from, integration or as a result of changes in economic or market environments and competitive factors; the possibility that the transaction may be more expensive to complete than anticipated, including as a result of unexpected factors or events; diversion of management's attention from ongoing business operations and opportunities; potential adverse reactions or changes to business or employee relationships, including those resulting from the announcement or completion of the transaction; the dilution caused by SoFi's issuance of additional shares of its capital stock in connection with the transaction; and other factors that may affect the future results of SoFi and Technisys. Additional factors that could cause results to differ materially from those described above can be found in SoFi's Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2021, which is on file with the SEC and available on SoFi's investor relations website, https://investors.sofi.com, under the heading "Financials," and in other documents SoFi files with the SEC.

All forward-looking statements speak only as of the date they are made and are based on information available at that time. Neither SoFi nor Technisys assumes any obligation to update forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements were made or to reflect the occurrence of unanticipated events except as required by federal securities laws. As forward-looking statements involve significant risks and uncertainties, caution should be exercised against placing undue reliance on such statements.

© 2022 Social Finance, Inc. Advisory services offered through SoFi Wealth LLC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636.

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SoFi's Mission

To help our members achieve financial independence to realize their ambitions

©2022 Social Finance Inc.

OUR JOB TO BE DONE:

Get Your Money Right

SoFi provides comprehensive solutions tailored to each member's unique needs to Borrow, Save, Spend, Invest, and Protect, and in turn helps the member "Get Your Money Right."

If SoFi can help you Get Your Money Right, then SoFi can help you achieve financial independence to

realize your ambitions!!

© 2022 Social Finance, Inc. Advisory services offered through SoFi Wealth LLC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636.

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The SoFi Strategy: Financial Services Productivity Loop

●1 Build a one-stop-shop for financial services with best-of-breedproducts

○ Each product differentiates on Fast, Selection,

Content, and Convenience

○ Build a relationship of trustand reliabilitywith Members on their first product so they choose SoFi on their 2nd, 3rd, 4th, etc.

○ Drives high lifetime value per Member

● Drive superior unit economics in each of our 2 products

• Reinforces ability to drive even more valuable products

●3 Leverage the technology infrastructure built via Galileo, our financial services technology platform, with attractive returns on path to create the "AWS of Fintech"

• Reinvest those returns in business to deliver more innovation and more valuable products & services

Money

Student

Loans

Home

Loans

Invest

Personal

Loans

Credit

Cards

© 2022 Social Finance, Inc. Advisory services offered through SoFi Wealth LLC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636.

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