in the matter of social finance, inc.: complaint …...2018/02/27 · your existing student loan(s)...
TRANSCRIPT
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
Job Name: 0416_SL_OE_ADescription: SLR April OE AModification: February 26, 2016 1:52 PM Prints: 3/0 (RRD_FG0222 (SoFi Navy), Black, RRD_FG0230 (SoFi Light Blue))
Size: #10 - 11” x 9.1523” (Flat) 4.125” x 9.5” (Finished)Stock: 70# GlossWindow Size: 4.25”x .375” FL: .625” FB: .625”Release Date Acct. Writer Creative Studio
K. Condron
Refinance student loans with lower rates!
0416-SL-OE-A
PRSRT STDU.S. POSTAGEPAIDCAROL STREAM, ILPERMIT N0. 35
SoFi | One Letterman Drive, Building A | Suite 4700 | San Francisco, CA 94129
*With AutoPay; see details inside.
2.14% APR*Variable Rates
as low as
Fixed Rates as low as 3.50% APR*
Don't Bank Oee SoFi Ii~
M-ERKLE
Job Name: 0416-SL-LTR-INS-A-LSR-ADEHIUDescription: SLR April Letter and insert Control A (LSR: ADEHIU)Modification: March 15, 2016 4:05 PM
Prints: 3/3 (RRD_FG0222 (SoFi Navy), Black, RRD_FG0230 (SoFi Light Blue)/Same)Flat Size: 8.375” x 15” Finished Letter Size: 8.375”x11” Finished Buckslip Size: 3.5”x8.375”Folds to: 8.375” x 3.75”Stock: 70# MatteFolds: 3.875”, 7.75”, 11.50”Comments: Slit & Nest, Bleeds 3 sidesPersonalization (April): Duplex
Release Date Acct. Writer Creative StudioK. Condron
0416-SL-LTR-A
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.
SoFi’s Current RatesMultiple loan terms available
Have you seen what many financial experts are saying about student loans like yours? You can save money by refinancing — and enjoy the convenience of combining your student loans into one low monthly payment. Plus, you’re already pre-selected for a loan.
Apply in less than two minutes. Save thousands. 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.
How much can you save?SoFi customers average over $18,936^ in savings during the lifetime of their loan by refinancing. That’s cash in your pocket — available for investing, vacations, buying a home, whatever.
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.
Sincerely,
Mike Cagney Co-Founder & CEO
3.50% APR*
Fixed Rates with AutoPay
2.14% APR*
Variable Rates with AutoPay
*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.
ranging up to 6.19% APR*
ranging up to 7.99% APR*
Reduce the Cost of Your Student DebtRefinance, make one monthly payment, save thousands
Confirmation #:
Confirmation #:
Ab
ou
t So
Fi
You
’ll e
njo
y sa
vin
gs a
s a
cu
sto
mer
an
d e
ven
mo
re a
s a
mem
ber
of t
he
SoF
i co
mm
un
ity!
•
SoF
i has
alr
ead
y re
fin
ance
d
over
$8
bill
ion
in fe
der
al a
nd
pri
vate
st
ud
ent
loan
deb
t.
•
If y
ou
bec
om
e u
nem
ploy
ed, y
ou
may
be
elig
ible
for
def
erre
d p
aym
ents
or
job
se
arch
ass
ista
nce
.*
•
Acc
ess
to o
ur
care
er s
upp
ort
cen
ter
that
in
clu
des
inte
rvie
w c
oac
hin
g, r
esu
me
revi
ew, a
nd
neg
oti
atin
g ta
ctic
s.*
•
We
even
en
able
qu
alif
ied
en
trep
ren
eurs
to
sta
rt n
ew c
om
pan
ies
wh
ile d
efer
rin
g pa
ymen
ts fo
r 6
mo
nth
s.*
•
Th
ere’
s n
o c
atch
. So
Fi l
oan
s h
ave
no
fe
es a
nd
no
pre
-pay
men
t pe
nal
ties
.
Ref
inan
ce y
ou
r st
ud
ent
loan
s
and
sta
rt s
avin
g to
day
at
* Ple
ase
see
SoF
i.co
m fo
r te
rms
and
co
nd
itio
ns.
Un
empl
oym
ent
b
enef
its
are
off
ered
in t
hre
e-m
on
th in
crem
ents
an
d c
appe
d a
t
12
mo
nth
s, in
agg
rega
te, o
ver
the
life
of t
he
loan
.
Apply online at
Dear XXXXX,
Firstname Lastname12345 Any StreetAny City, ST 12345-1234
S0416X-<12345678>
S0416X-<12345678>
LSR-X
P.S. You’re already pre-selected for a loan, so visit
SoFi.com/XXXXXXXXXX by XX/XX/XXXX.
Apply online at SoFi.com/XXXXXXXXXX
SoFi.com/XXXXXXXXXX
Offer ends XX/XX/XXXX
Limited-time offer ends XX/XX/XXXX
SoF
i.co
m/X
XX
XX
XX
XX
X
3.5”
8.375"
3.75
"3.
75"
FOLDFOLD
SLIT& NEST
SLIT& NEST
SLIT& NEST
SLIT& NEST
3.5"
FOLDFOLD
o•• SoFi Ii~
11 11 II I I• 111 • 11111 •I 1111 111 11 FPO 1111 1 I I I 11 1111 11 111 1 I• 111 11
M-ERKLE
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itiz
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esid
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oFi’s
und
erw
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rem
ents
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Fi l
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not
off
ered
to r
esid
ents
of N
evad
a. O
ther
sta
te r
estr
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ons
may
app
ly. T
his
info
rmat
ion
is c
urre
nt a
s of
Mar
ch 1
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nd is
sub
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to c
hang
e b
ased
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arke
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dit
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and
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Fi L
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alif
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.
PR
ESC
RE
EN
AN
D O
PT-
OU
T N
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ICE
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u r
ecei
ved
th
is “
pre
scre
ened
” o
ffer
of c
red
it b
ecau
se w
e u
sed
info
rmat
ion
fro
m y
ou
r cr
edit
rep
ort
to
det
erm
ine
that
yo
u s
atis
fied
cer
tain
cri
teri
a. T
his
off
er is
no
t gu
aran
teed
if y
ou
no
lon
ger
mee
t o
ur
crit
eria
use
d t
o s
cree
n y
ou
for
this
off
er, y
ou
do
no
t m
eet
add
itio
nal
cr
edit
cri
teri
a n
eed
ed t
o b
e cr
edit
wo
rthy
for
this
off
er o
r yo
u a
dd
a jo
int
app
lican
t. W
e ar
e al
low
ed b
y la
w t
o p
resc
reen
yo
u fo
r th
ese
off
ers.
Ho
wev
er, i
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f cre
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incl
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by c
allin
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ll-fr
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UT
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pti
on
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ox 7
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ox 9
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n, T
X 7
50
13
.
Ref
inan
ce L
oans
Yo
ur e
xist
ing
stud
ent l
oan(
s) m
ust t
otal
a m
inim
um o
f $5
,00
0 to
be
elig
ible
for
refi
nanc
ing.
Min
imum
loan
am
ount
may
be
high
er in
spe
cifi
c st
ates
due
to le
gal
req
uire
men
ts. F
ixed
rat
es fr
om 3
.50
% A
PR
(wit
h A
utoP
ay) t
o 7
.99
% A
PR
(wit
hout
Aut
oPay
) dep
end
ing
on lo
an te
rm s
elec
ted
, you
r cr
edit
and
oth
er fa
ctor
s. V
aria
ble
ra
tes
curr
entl
y fr
om 2
.14
% A
PR
(wit
h A
utoP
ay) t
o 6
.19
% A
PR
(wit
hout
Aut
oPay
). In
tere
st r
ates
on
5, 7
, and
10
-yea
r te
rms
are
capp
ed a
t 8.9
5%
AP
R, 1
5 a
nd 2
0-y
ear
term
s ar
e ca
pped
at 9
.95
% A
PR
to th
e ex
tent
per
mit
ted
und
er la
w. I
nter
est r
ates
on
vari
able
-rat
e lo
ans
vary
bas
ed o
n lo
an te
rm s
elec
ted
, you
r cr
edit
and
oth
er
fact
ors.
Var
iab
le-r
ate
cap
s m
ay b
e lo
wer
in s
om
e st
ates
du
e to
lega
l req
uir
emen
ts a
nd
may
imp
act
you
r el
igib
ility
to
qu
alif
y fo
r a
SoFi
loan
. SoF
i rat
e ra
nges
ar
e cu
rren
t as
of M
arch
14
, 20
16
and
are
sub
ject
to c
hang
e b
ased
on
mar
ket c
ond
itio
ns a
nd b
orro
wer
elig
ibili
ty. V
aria
ble
2.1
4%
AP
R (w
ith
Aut
oPay
) ass
umes
cur
rent
1
-mon
th L
IBO
R r
ate
of 0
.44
% p
lus
1.7
0%
. Few
app
lican
ts q
ualif
y fo
r th
e lo
wes
t rat
e. T
o q
ualif
y fo
r th
e lo
wes
t rat
e, y
ou m
ust h
ave
exce
llent
cre
dit
and
mee
t oth
er
cond
itio
ns. Y
our
actu
al r
ate
will
be
wit
hin
the
rang
e of
rat
es li
sted
ab
ove
and
will
dep
end
on
the
term
you
sel
ect a
nd a
var
iety
of f
acto
rs, i
nclu
din
g cr
edit
usa
ge a
nd
hist
ory,
yea
rs o
f exp
erie
nce,
inco
me
and
oth
er fa
ctor
s. F
or th
e So
Fi v
aria
ble
-rat
e pr
oduc
t, th
e 1
-mon
th L
IBO
R in
dex
will
ad
just
mon
thly
and
the
loan
pay
men
t will
be
re-a
mor
tize
d a
nd c
hang
ed m
onth
ly. A
PR
s fo
r va
riab
le-r
ate
loan
s m
ay in
crea
se a
fter
ori
gina
tion
if th
e LI
BO
R in
dex
incr
ease
s. T
he S
oFi 0
.25
% A
utoP
ay in
tere
st r
ate
red
ucti
on r
equi
res
you
to a
gree
to m
ake
mon
thly
pri
ncip
al a
nd in
tere
st p
aym
ents
by
an a
utom
atic
, mon
thly
ded
ucti
on fr
om a
sav
ings
or
chec
king
acc
ount
. Thi
s b
enef
it
will
dis
cont
inue
and
be
lost
for
peri
ods
in w
hich
you
do
not p
ay b
y au
tom
atic
ded
ucti
on fr
om a
sav
ings
or
chec
king
acc
ount
.
^Li
feti
me
Savi
ngs
Ave
rage
sav
ings
cal
cula
tion
is b
ased
on
all S
oFi m
embe
rs w
ho re
finan
ced
thei
r stu
dent
loan
s be
twee
n 1
/1/1
5 a
nd 1
2/3
1/1
5. T
he s
avin
gs c
alcu
lati
on is
der
ived
by
taki
ng th
e es
tim
ated
life
tim
e co
st o
f exi
stin
g st
uden
t loa
ns m
inus
the
lifet
ime
cost
of S
oFi l
oans
upo
n re
finan
cing
for S
oFi m
embe
rs w
ho re
finan
ced
thei
r stu
dent
loan
s. S
oFi’s
ave
rage
sa
ving
s m
etho
dolo
gy fo
r stu
dent
loan
refin
anci
ng a
ssum
es 1
) mem
bers
’ int
eres
t rat
es d
o no
t cha
nge
over
tim
e (p
roje
ctio
ns fo
r var
iabl
e ra
tes
are
stat
ic a
t the
tim
e of
the
refin
anci
ng a
nd d
o no
t ref
lect
act
ual m
ovem
ent o
f rat
es in
the
futu
re),
2) m
embe
rs m
ake
all p
aym
ents
on
tim
e, 3
) mem
bers
do
not p
repa
y lo
ans,
4) m
embe
rs ta
ke a
dvan
tage
of
Aut
oPay
, whi
ch e
nabl
es th
em to
low
er th
e A
PR
of t
heir
loan
by
0.2
5%
. SoF
i’s a
vera
ge s
avin
gs m
etho
dolo
gy fo
r stu
dent
loan
refin
anci
ng e
xclu
des
refin
anci
ngs
in w
hich
1
) mem
bers
ele
ct S
oFi l
oans
wit
h lo
nger
mat
urit
y th
an th
eir e
xist
ing
stud
ent l
oans
, 2) t
he te
rm le
ngth
of t
he S
oFi l
oan
is g
reat
er th
an 2
5 y
ears
, 3) t
he m
embe
r did
not
pro
vide
co
rrec
t or c
ompl
ete
info
rmat
ion
rega
rdin
g hi
s or
her
out
stan
ding
bal
ance
, loa
n ty
pe, A
PR
, or c
urre
nt m
onth
ly p
aym
ent.
SoF
i exc
lude
s th
e ab
ove
refin
anci
ngs
in a
n ef
fort
to
max
imiz
e tr
ansp
aren
cy o
n ho
w w
e ca
lcul
ate
our a
vera
ge s
avin
gs a
mou
nt a
nd to
min
imiz
e th
e ri
sk o
f mem
ber d
ata
erro
r ske
win
g th
e av
erag
e sa
ving
s am
ount
.
© 2
01
6, S
oci
al F
inan
ce, I
nc.
All
righ
ts r
eser
ved
.
SoFi
Stu
dent
Loa
n Re
finan
ce —
Fre
quen
tly A
sked
Que
stio
ns
Wha
t is a
dire
ct c
onso
lidat
ion
loan
?A
Dir
ect C
onso
lidat
ion
Loan
is a
gov
ernm
ent p
rogr
am th
at a
llow
s yo
u
to c
ombi
ne m
ulti
ple
fede
ral e
duca
tion
loan
s in
to a
sin
gle
loan
. The
re
sult
ing
inte
rest
rat
e is
a w
eigh
ted
aver
age
of y
our
prio
r lo
an r
ates
. R
efer
to w
ww
.sof
i.com
/con
solid
ate-
stud
ent-
loan
s-vs
-ref
inan
ce fo
r m
ore
info
rmat
ion.
Wha
t is t
he A
utoP
ay d
iscou
nt?
The
Aut
oPay
dis
coun
t is
a 0
.25
% in
tere
st r
ate
redu
ctio
n on
loan
s in
whi
ch y
ou a
utho
rize
the
loan
ser
vice
r to
aut
omat
ical
ly d
educ
t m
onth
ly p
aym
ents
from
any
ban
k ac
coun
t you
cho
ose.
Can
I ref
inan
ce p
revi
ously
con
solid
ated
loan
s with
SoF
i?Ye
s. W
heth
er y
ou p
revi
ousl
y co
nsol
idat
ed fe
dera
l loa
ns th
roug
h
the
gove
rnm
ent’s
Dir
ect o
r F
FE
L co
nsol
idat
ion
prog
ram
s or
you
di
d a
cons
olid
atio
n lo
an w
ith
a pr
ivat
e le
nder
, you
can
sti
ll ap
ply
to
refin
ance
the
cons
olid
ated
loan
thro
ugh
SoF
i jus
t the
way
you
cou
ld
wit
h an
y ot
her
fede
ral o
r pr
ivat
e lo
an.
Whe
n is
the
best
tim
e to
refin
ance
?T
he e
arlie
r yo
u re
finan
ce to
a lo
wer
loan
rat
e, th
e m
ore
mon
ey y
ou
will
sav
e. E
ven
if yo
u ar
e in
you
r gr
ace
peri
od, i
nter
est a
ccru
es fo
r un
subs
idiz
ed fe
dera
l loa
ns. S
oFi w
ill h
onor
any
exi
stin
g gr
ace
peri
od o
f th
e lo
ans
you
refin
ance
wit
h us
.
Who
shou
ld re
finan
ce?
Ref
inan
cing
is a
gre
at s
olut
ion
for
wor
king
gra
duat
es w
ho h
ave
high
-inte
rest
, uns
ubsi
dize
d D
irec
t Loa
ns, G
radu
ate
PLU
S lo
ans,
and
/or
pri
vate
loan
s. F
eder
al lo
ans
do c
arry
som
e sp
ecia
l ben
efit
s, fo
r ex
ampl
e, p
ublic
ser
vice
forg
iven
ess,
inco
me-
base
d re
paym
ent,
and
ec
onom
ic h
ards
hip
prog
ram
s, th
at m
ay n
ot b
e ac
cess
ible
to y
ou a
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yo
u re
finan
ce. C
heck
out
this
blo
g po
st th
at p
rovi
des
mor
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form
atio
n:
Whe
n to
Con
solid
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Fede
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oans
thro
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(w
ww
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free
con
sult
atio
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out y
our
part
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tion
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Am I
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for a
SoF
i Ref
inan
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To b
e el
igib
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r a
SoF
i loa
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ou m
ust b
e a
U.S
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or
perm
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of o
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ligib
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or
grad
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Loan
elig
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Elig
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all u
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tails
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Is it
pos
sible
to re
finan
ce b
oth
fede
ral a
nd p
rivat
e st
uden
t loa
ns?
Yes,
you
can
ref
inan
ce b
oth
fede
ral l
oans
and
pri
vate
loan
s w
ith
SoF
i.
Wha
t is t
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axim
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mou
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can
borro
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The
min
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am
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cer
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axim
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mou
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the
full
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Chec
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Get
you
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sav
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less
than
two
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.
“They’re offering something these retail banks aren’t offering, which is an enhanced approach to lending
through a combination of better rates, a simple application process, and exceptional customer service.”
“SoFi stands for ‘social finance’ — a key ingredient in the ‘do well by doing good’ aspect of their mission. Save a fortune in interest if you qualify to refi
your college or grad student loans.”
“To distinguish itself from banks, SoFi smothers customers with personalised service.
Its 100,000 or so borrowers are ‘members,’ invited to parties thrown by the firm.”
What financial experts are saying about SoFi
You will have great things to say, too.
Contact us today!
Visi
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SoFi.com/XXXXXXXXXX
3.5"
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FOLD
o•• SoFi Ii~
YAHOO/ FINANCE
THE HUFFINGTON
POST
The Economist
Job Name: 0416_SL_INS2_ADescription: SLR April Insert 2Modification: March 15, 2016 3:01 PM Prints: 1/1 (Black)
Size: 11” x 8.5” (Flat) 8.5” x 3.6875” (Folded)Stock: 60# White OffsetFolds: F1: 3.667” F2: 7.4375”Release Date Acct. Writer Creative Studio
K. Condron
Loan Interest Rate & FeesYour starting interest rate will be between
After the starting rate is set, your rate will then vary with the market.
Your starting interest rate (upon approval) The starting interest rate you pay will be determined after you apply. It will be based on your credit history and other factors (co-signer credit, term of your loan, etc.). If approved, we will notify you of the rate you qualify for within the stated range.
Your interest rate during the life of the loan Your rate is variable. This means that your rate could move lower or higher than the rates on this 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.
Although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for the 5-year, 7-year, and 10-year terms. For the 15-year and 20-year term product, the interest rate will never exceed 9.95% (the maximum rates for these loans).
Loan FeesApplication Fee: $0 Origination Fee: 0% — the fee that we charge to make this loanLoan Guarantee Fee: 0% Repayment Fee: 0% Late Charge: 4% of the amount of the past due payment or $5, whichever is lessReturned Check Charge: $10
Loan Cost ExampleThe total amount you will pay for this loan will depend on the actual amount required to pay off the loans you select for consolidation.
Repayment Option Amount Provided
(amount paid to others on your behalf)
Interest Rate
(highest possible
starting rate)
Loan Term(how long you have to pay off
the loan)
Total Paid Over Entire Loan Term
(includes associated fees)
MAKE FULL PAYMENTSPay both the principal and interest
$10,000.00 5.190% 5 yearsstarting after your first payment
$11,375.04
MAKE FULL PAYMENTSPay both the principal and interest
$10,000.00 5.320% 7 yearsstarting after your first payment
$11,999.20
MAKE FULL PAYMENTSPay both the principal and interest
$10,000.00 5.570% 10 yearsstarting after your first payment
$13,064.82
MAKE FULL PAYMENTSPay both the principal and interest
$10,000.00 5.940% 15 yearsstarting after your first payment
$15,131.14
MAKE FULL PAYMENTSPay both the principal and interest
$10,000.00 6.190% 20 yearsstarting after your first payment
$17,458.45
About this example The repayment example is based on the Loan Amount and Loan Term shown in the above table. It is based on the highest starting rate currently charged and associated fees. The example assumes that the borrower begins repayment one month after disbursement.
Federal Loan Alternatives and Disclosure Regarding BenefitsLoan Program Current Interest Rates by Program Type
PERKINS for Students 5.00% fixed
DIRECT LOANS for Students
4.29% fixed 4.29% fixed 5.84% fixed
Undergraduate Subsidized Undergraduate Unsubsidized Graduate Unsubsidized
PLUS for Graduate/Professional Students
6.84% fixed Federal Direct PLUS
PLUS for Parents 6.84% fixed Federal Direct PLUS
You may qualify for federal education loans. For additional information, contact your school’s financial aid office or the Department of Education at studentaid.ed.gov.
• Private education loans are not eligible to be included in a Federal Direct Consolidation Loan.
• You may be able to consolidate your outstanding federal loans into a Federal Direct 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 one-eighth of one percent.
• 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. 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 student loans offer deferment and forbearance options that are not available to you if you take out a SoFi Lending Corp. ReFi Education Loan.
• See studentaid.ed.gov/types/loans/federal-vs-private for a description of the benefits and repayment options available to federal student loan borrowers.
Next Steps1. Find out about other loan options
The Federal Direct Consolidation Loan may have student loan benefits and terms not detailed on this form. Contact your school’s financial aid office or visit the Department of Education’s website at www.loanconsolidation.ed.gov for more information about other consolidation loans.
2. To apply for this loan, complete the application If you are approved for this loan, the loan terms will be available for 30 days (terms will not change during this period, except as permitted by law).
Reference NotesDisclosure Regarding Federal Loans
• See your loan agreement for important disclosures about the consequences of refinancing federal student loans in this SoFi Lending Corp. ReFi Education Loan.
Variable Interest Rate• This loan has a variable interest rate that is based on a publicly available index, the 1-month
London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.95% and 5.75% to the 1-month LIBOR.
• The rate will not increase more than once per month. The maximum rate for your loan is 8.95% if your loan term is five, seven, or 10 years or 9.95% if your loan term is 15 or 20 years.
AutoPay Discount• If you make monthly principal and interest payments by an automatic, monthly deduction
from a savings or checking account, the Variable Rate will be reduced by one-quarter of one percent (0.25%) for so long as you continue to make such automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
Borrower Eligibility Criteria• Must be a U.S. citizen or permanent resident alien without conditions and with proper
evidence of eligibility.
• Must be 21 or older at the time of loan application.
• Must have graduated from a SoFi-eligible school and program of study.
• Must reside in a state in which SoFi is authorized to lend.
Co-Signers• Must be 21 or older at the time of loan application.
Bankruptcy Limitations• If you file for bankruptcy you may still be required to pay back this loan.
More information about loan eligibility and repayment deferment or forbearance options is made available in your agreement.
2.39% 6.19%
SOFI LENDING CORP.California Finance Lender License No. 6054612One Letterman Drive, Building ASuite 4700San Francisco, CA 94129
SOFI LENDING CORP. REFI EDUCATION LOAN APPLICATION AND SOLICITATION DISCLOSURE VARIABLE RATE LOAN
0416-SL-INS2-A
and
I
M-ERKLE
I
o•• •o• ••o SoFi Lending Corporation
Loan Interest Rate & FeesYour interest rate will be between
After the rate is set, it will be fixed for the entire term of the loan.
Your interest rate (upon approval) The interest rate you pay will be determined after you apply. It will be based upon your credit history, the loan term you select, and other factors. If approved, we will notify you of the rate you qualify for, which will be between 3.75% and 7.99%.
Your interest rate during the life of the loan Your rate is fixed. This means that your interest rate will never change during the life of your loan. For more information on this rate, see the Reference Notes.
Your interest rate will not vary after you have been approved.
Loan FeesApplication Fee: $0 Origination Fee: 0% — the fee that we charge to make this loanLoan Guarantee Fee: 0% Repayment Fee: 0% Late Charge: 4% of the amount of the past due payment or $5, whichever is less Returned Check Charge: $10
Loan Cost ExamplesThe total amount you will pay for this loan will depend on the actual amount required to pay off the loans you select for consolidation and the loan term that you select from five options: 5, 7, 10, 15, or 20 years.
Repayment Option Amount Provided
(amount paid to others on your behalf)
Interest Rate
(highest possible rate)
Loan Term(how long you
have to pay off the loan)
Total Paid Over Entire Loan Term
(includes associated fees)
MAKE FULL PAYMENTSPay both the principal and interest
$10,000.00 6.240% 5 yearsstarting after your first payment
$11,666.76
MAKE FULL PAYMENTSPay both the principal and interest
$10,000.00 6.740% 7 yearsstarting after your first payment
$12,571.36
MAKE FULL PAYMENTSPay both the principal and interest
$10,000.00 7.250% 10 yearsstarting after your first payment
$14,088.12
MAKE FULL PAYMENTSPay both the principal and interest
$10,000.00 7.740% 15 yearsstarting after your first payment
$16,932.65
MAKE FULL PAYMENTSPay both the principal and interest
$10,000.00 7.990% 20 yearsstarting after your first payment
$20,059.63
About these examples The repayment examples are based on the Loan Amounts and Loan Terms shown in the above table. The Interest Rates shown are the highest possible for each Loan Term. The examples assume that the borrower begins repayment one month after disbursement.
Federal Loan Alternatives and Disclosure Regarding BenefitsLoan Program Current Interest Rates by Program Type
PERKINS for Students 5.00% fixed
DIRECT LOANS for Students
4.29% fixed 4.29% fixed 5.84% fixed
Undergraduate Subsidized Undergraduate Unsubsidized Graduate Unsubsidized
PLUS for Graduate/Professional Students
6.84% fixed Federal Direct PLUS
PLUS for Parents 6.84% fixed Federal Direct PLUS
You may qualify for federal education loans. For additional information, contact your school’s financial aid office or the Department of Education at studentaid.ed.gov.
• Private education loans are not eligible to be included in a Federal Direct Consolidation Loan.
• You may be able to consolidate your outstanding federal loans into a Federal Direct 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 one-eighth of one percent.
• 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. 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 student loans offer deferment and forbearance options that are not available to you if you take out a SoFi Lending Corp. ReFi Education Loan.
• See studentaid.ed.gov/types/loans/federal-vs-private for a description of the benefits and repayment options available to federal student loan borrowers.
Next Steps1. Find out about other loan options
The Federal Direct Consolidation Loan may have student loan benefits and terms not detailed on this form. Contact your school’s financial aid office or visit the Department of Education’s website at www.loanconsolidation.ed.gov for more information about Federal Direct Consolidation Loans.
2. To apply for this loan, complete the application If you are approved for this loan, the loan terms will be available for 30 days (terms will not change during this period, except as permitted by law).
Reference NotesDisclosure Regarding Federal Loans
• See your loan agreement for important disclosures about the consequences of refinancing federal student loans in this SoFi Lending Corp. ReFi Education Loan.
Interest Rate• Your interest rate will depend on the loan term that you select.
Repayment Options• 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 you a deferment and align your repayment begin date to the expiration of the grace period on the federal student loans that you are refinancing with us. You understand that interest will continue to accrue during this deferment period and that accrued interest will be capitalized at the end of this deferment period.
AutoPay Discount• 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 (0.25%) for so long as you continue to make such automatic electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
Borrower Eligibility Criteria• Must be a U.S. citizen or permanent resident alien without conditions and with proper
evidence of eligibility.
• Must be 21 or older at the time you apply.
• Must have graduated from a SoFi-eligible school and program of study.
• Must reside in a state in which SoFi is authorized to lend.
Bankruptcy Limitations• If you file for bankruptcy you may still be required to pay back this loan.
More information about loan eligibility and repayment deferral or forbearance options is available in your loan application and loan agreement.
3.75% 7.99%and
SOFI LENDING CORP.California Finance Lender License No. 6054612One Letterman Drive, Building ASuite 4700San Francisco, CA 94129
SOFI LENDING CORP. REFI EDUCATION LOAN FIXED RATE APPLICATION AND SOLICITATION DISCLOSURE
0416-SL-INS2-A
o•• •o• ••o SoFi Lending Corporation
Exhibit H
BORROW WEALTH PARTNER COMMUNITY RESOURCES ABOUT US LOGIN FIND MY RATE
Student Loan ReFI Personal Loan
Student Loan Refinancing Members save $18,936
2 on average when they refinance student loans .
.LEARN MORE
. , ........ . ~ -----c-="
,· . . - .--
$10 billion $760 million'" 143,500 members in loans funded to date in member savings make up our amazing community
We're a modern finance company.
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?
GET STARTED WITH US>
More reasons to SoFi. __ ,, '
Career Counseling & Unemployment Protection
Everyday Customer Service
Community Events
~-,' ·:.-- .~: _ ,.,, ... !(- - •· ·; J Your money is serious ~ • • Our members are pretty great.
business. That's why we're · - .- · So great, we offer member standingbr7 days a week o~ •--. events ;,;.::i happy hou,; j~~t so
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Exhibit I
LOG IN EiiH IHl:i
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
$22.3591 total. 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.
F IXED RATE
Ratuswvailatlfofrom 3,350,;,AfRto
'-~~ wtW'I you enroll.., AutePwy}
WHY REFINANCE STUDENT LOANS WITH SOFI?
0 Serio us Sovings
Low fixed and varlablc rates. No
application or orlgln.1tlon foos. Avorago member savings: $22,359l.
u nemployment Protection'
If the unexpected happem., well
temporiuily pause your loan payment&
and hetp you lo your jOb search.
Federal + Private
SoFl Is one of few lenders that can
consolidate and rofinanco both fodoral and p,ivat':t loans (In Iii snlillp).
0
Our coaches will help you lilldvance [n
you, career, bulld a personal brand.
negotiate your salary. and more.
EIIHIIH\11
Exclusive Rote s
Got a 0.125% rato dlscount.u. on an
a:jditiolllll Sof1 l~n- jus.t for being a mam~,.
Wealth Advisors
Finances and investments can be
confusing. Our Wealth advisors are h,re to help you make senut of it all
REFINANCE STUDENT LOANS IN THREE EASY STEPS
If you have questions. our friendly customer support team is standing by to help you through th~ process-seven days a week.
Onlinu Pru-Approval
Our qu«:k pre appro..,a1 p1occi;a lct:. you
know If you qu.ahfy balom you complatt.1
lh&full app/1c.at1on_
$20 Billion
Sule1ct a Loan
Comp;m: th~ phina 1lVa1l.ib lc to you with
1pe,crhc p11ym~nts. ratos. and terms.
·, r . ~ T •'·fl:; i [';
TRUST AND SECURITY
~ 350,000 m&m.Lr I tt fl , i
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1r::reen1hot1 o, 1m1rtphona phOtos.. tl'IP.n
sis:n your ~perwork ~lectroni,cally.
@ 256-Bit SSL
HEAR FROM OUR MEMBERS
With benefits like career counseling, unemployment protection and entrep,eneur programs, our
members have a lot to say.
VIEW MEMBER STORIES >
COMMON QUESTIONS
REFIN.ANCING FEDERAL CONSOLIDATING VS
ANO PR IVATE LOAN S REFINANCIN G
Wh .. t 11 Gtudont k,,m rot,~ncln(? Wh;.11, tl\11 d,tfou;~ botwuon c.onr.oodat1ng .;ind rof n.inc.mg
Can I reflnarca lxilh (ede111l •nd pr Iv.it& 1tudtl-nt loans? What II a (ilract consolltJiiUOn loanJ
Am I iJgocx:tcandldato to mflronco my 1tud£1nt lo,1nsw1rh SoFr> What•, thod ffor~nice betwoon fixed .ind vorl.;blo roto looM?
Stud•nt Loan smarts: consolldat lon vs. Roffnanclng
To~IObditt•or r•1tn11JC• ltudtnl)gans;
nuit 11tMq_owion. W'Nd'I bep rwa. muen IOOJ8ln'lp)IUntqlll8SllCWILlkft!
SH '. ALL FAGS >
YOU MIGHT ALSO LIKE
Studont Loan consoll&tlon: Whon to comblno Fodoral 1nd Prtvet• Loans Through Roffnarn::lng
One of the!~ StudMt loan~ 0llt
Stuefont Loa, smarts: How Studont Loa.i, Affoct vour crodlt seoro
Af'91yol1Cijlftftt1( PfYll'C OtlWn lstlbUlflltll
,~bal'lbatmc:e1lf&0.you'ref'IOlaloh&.
VIEW OUR BLOG >
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.
CALCULATE SAVINGS --
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EMERGING ... ONE OF THE COMPANIES AT THE FOREFRONT OF IT IS SOFI "
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SoFi M AT WO:RK
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
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Student Loan Refinancing:
LOGIN FIIHIIH:3
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 var I.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•d or 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 1h01 01iein1fa: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 do not pay by
automatic dc-d11Ct1on from• savmp or choelunc kcoun1.. ·ro cM<:k tM ,at•, and tor rm 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$) do not 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) ue required 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 ,cf1nanci.ne assume-s D members' 1ntttrei:t r•tes do not ctlanp ove, 11,ne lPRClJEC110Ns roR VARlA8LE RATES
ARCSTATICAl"O--cnM£a=RU=INANCJNGANOOONOrR(A.(CTAC'IUALMOvtMENTorRArcs lNTl-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
hie tame $8Vl"'C3 al'nC4Jnt and to mlnlm1le the rlsk or member d.11t• etrOf skew inc the aver•ge llfetlme aav1ncs amount.
2b. Total mtrmbof hFolnno sav1no cakulalKM'I o( $1.84811 t>.SGd on 111 Sof1 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 rlfcbne payment of $6.810B based
on • w•1itJted •ver•co ol new r• t• a 1111Ci1Mtd acrou: bOlh typws u,,u,d and van-lblct) and r••P'i'Cbve IO•n l•rma w th AutoPay. Sof1'1 l1h,1nn1t 1avinpmethodolOfY for student loan refananc1ne ~me$ 1) members: lnte,e,t rates do not 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 ,,..ymerits 10f 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~n by0.25%. 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 $l0.215 i~ ba&ed on all SoFi mernberi with a IIJ.BA. dei:ree who refinanced
thOrr student loons b<ltwoo-n 8/16/2012 ar'ld 6/3on016. Th• UVtnil Cllculat,on ta donvod by tlkme thO fn;timatcd tift>lim• c,nt DI •,usona aludont
l~M m,nu,-the 111et11n• eou or SQf1 bin• upon relinane.1nc tor SQfl M8A-<te"ee me-rnw, WN> r•M•~ ttwtlr Uudent IOlnL SQ1"1·, 1rreum•
wiving;s methodolOi'f fo, &tudeot foan rer.n.ancine auumes 1) membtrs· lnte,e&t rates do not ch-.lne,e over time (PltOJEC'l10HS FORVARI/I.Bl.E
RATES ARE STATIC ATlHETIMEOF REAtWICINGAM1 DO NOT REFUCT AC'T\JALMOVEM:NT Of RATESl'\llHE FUTVfitE)2) membtlra make
all l)ayment• on (1rne JJ rr.em~r& meke mo,nu,1y payments ttw 1he fUII (fureu.011 or 1he1r IQ.an 4) mf!mbers take s<h11ntapof Au,QPay, Wl'l1eh
enables them to lower tho APR of thclif loan by 0.2S% Son"s everap sav.np mcthodoloiYfOf studont ban rcfinancitie excludes refinancines in
wh1¢h 1) mcmbe11 clc,ct Sof1 loans W1lh ~r matuntv than lhOu exrSbllfl: s.tudenl loan, 2) tho t•rm 10nr,thol tho mombor's Or11,t1nal tludont loan
(a) 1, ere.,,ter ,, then :'JO year, 3) th<! m,ombor dtd not provide eo,roet o, complete •nfQtm,raon r-orarding his o, l\eroum.andinc ba1anee. IQ.In type,
APR.Of current monthly payment. Sofi oxdudcs the &bovo 1efinancmis 1n an effort to maxim1.tc t1anspa1oncy on how we calcul•to oor aver~
llf~ime ••v1ngs •mount •nd lc:> m1mm1z• tti,. nsk ol nv,imb,ar d.at• e1rOr sk•wm,; th$ •v,~ir•p l1l•t11nft QVl"(S amount.
M.B.A.Oepao Monthly S.vi,nis - Monthf'f' tav.npcalculihooof $2A81s based on all SoR momborsWltha MBA d,eroe who 1cfinanocd thoi1
1tud.-i1 k>ans t-1-weitn 8/16/l0l2 .nd 6/30no18. ~ ealcul.abon ,, derrv~ by avc, .. ging th4' monlhly s.vmcs of Seif• ~be•• w11h II MBA
<Jeeree, which )ti ca1culated by i.kirc the monthly student loon payments p,ior to refinanc:me mm.,. ~he month/yuudent loon paymeflt& a tier
rcr.n1nci8'W1th Sor.. Son'$ monthly &a-vine, mcthodolocY for student loen fef1n.anct.ne a»umos 1) mombor.t' intc·e-st rates do not cbanp over
hm-, (PR(U.C'll()NS 1-<)R VAIIIAIU;-RA'll:s AR(~' A nc Ar (Ill: tlM( Of RU INANCING ANO lX) NO I RIJlJ..CI A.Cl UAL MOV(Mf.N'I Of RA"l(S
SN THE FUTURI:) 2)members make all P3YfflMllS on ~me. SoFi'1 monthly savine, methodology for student loan reiin.aoc:ioe excludes retinancinp
lnwtuch Umvmbvrsoklct I Sofi loan w1lh • short01 t'Ormthan th9u pr.or 11tudcnt loen t•1mh:) 2)thu t•rm loneth cf I.ho SoFi mcmbvr':1 pl'io,
1tud-.n1 ~n(•) WH I.honer th.In 5 ye.a rs Qt lona•r than 30 yaars 3) the SQ(I me.mo-, did not p,~ eor1ee,t or compJ.e1e i.nformatlQn u1;,.ard1ng
i'lrs ot he( <>ut&t.aod1ng balance. lcxiin type. APR.Of current monthly payme-nt. Sofi excludes the abo\Je ref1n.aocrniJ in an effort to mu:1m1ze
transpaivncy on how wet calculate our monthly nvmgs <1mount Ind 10 m1n1mi20 the 11~k of mcmbo1 data v11or 1MWme th, monthly aav111tv
1mount-
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 uvlnp c: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 <H:groe (M_Q.) members who tefinancod
lho11 studvnt loans. SoF1'• lrfolimo AV1np molhodekJty IOI student loan rohnan.c,nc: IIH\lmf:I I) nMtmbGrs· 1nb,m:tl rat08 do not changv ov• r limo
cmo.cCTlONS roR VARW3l£ RAltS ARC STATIC ATTI-1; TIM[ Of' R(JlNANCINC AHlOO NOTRETI.CCT ACT\lAt M0V[MDIT Ol"'RATI:S IN "'ftERJT\.H) 2) members maka art p,ayrnentson time 3) members Make month ft payment, for the foll dul•tton Of their toan •> members take
M:lv•nl• ol AutoPay. whic:h •rw1~s ttt.m to 1ow..-It. APR ot lh• 1r loan by 0.25%. Sof1's •v•r•f.- sav~e• meltiodok>gy fOf 1tUCS.ot IOan
re1inancine excludes refinanc1ngs In which 1) members e:lecl SoFl loans with loneef maturity than tht,,lr ex ii tine student loans 2) the- term Jeng1h
of thtl membm's orieinal student kNJn(s) is er eat~, is than 30 vea,:s 3) tM member did not p.-ovidc eor,cct 01 complete mfOl'mttion rt-e•rdtn& ht5 or Mr outstanchrie 1»t11nc;,ft, I011n type.~ Of c,me.ril monlhly pl-fTilllnl. SQ(, ex e lude, lt.. •bov• 1•hn•nc11·'1!• ,,,.,, •lf0f1 to max1m1t•
tt•ns.p.arency on how we calculate our average hfetime savings amount and to min1mlze the r~kof member data error s.kewlne the aver3':e
l1fcrti:mcr t1v1np amount.
2o, Ph1rm11Ci:st Lifut11no Savines - Lif•tJmtt sav1np C'Meul1ti0n of $28.680 IS basod on au SoF, members w,lh I phirmac,,tdee,ff who refinanc.d
me 1, student lo,ns between 8/18f20L) and 6/30'2016. The QVl.n(t'.S eac1cu1at1on Is derrved by taikl"C the est.1m.atodl1tet•l'N'! coa: ct exist~n«
&-tudcnl loans minus the hfctuno OO$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,nt ratctt do not chin~ over t1m• (fROJlCllONS
rOft VARWll.C RAU$AA( STATIC l\'f n .:1·1Mt Of R(ANJ\NCINC AHJOO NOt'R(ru CT ACTI.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 •l mtmbcrs take advantaec of
AutoPay, wtuch • n1bi.1 tti.m to lower 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 er ca 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 er roe sli:ewint::the average lifetime savings
amount.
Pharmaclst Momhly Savlnp - Momhlys.av!np c.akul.auon of $408 ls bHed on all Sofi membe(s with a ph-a1mac11t degree~ refinanced the1t
1tudont loans botwoon2/28/20W Ind 8/30/2016, Th0cak:u111tt0n 11dc11vod by 1vet11eme the monthly AV!npof Sofi membcuw,th 11
pha,maettt <llt.t"1 Wl'l1¢1'1 LI utculated by uk.Jng ' ·"'- monthly stueltnt &o.JJt p.ayment1 pr'Of to ref1n.anetng rrunus the fflOtllhly uvden, loan
payments aftef refinanc,ne wnh Son SoF'l's monthly savi~ methodokiev for stiJdent loan ,efin.aocioe assumes 1 membe,s· interest (ates do
not chaneo 0\'Cr limo CPRO.EC1lOHS FOR VARIASl.E RATES NI(£. STATIC AT Tl-£TIME OfJIERNANaNGAJ,£) DO NOTA9UCT ACTUAL
MOVEMENT OF RAllS tN'TI-I( J:UTUR() 1) members make all payment.a oa tun&. SQFl'.a monthly uvings methodooeY tQf &tudent IGan
refinancine:exctUOM refinanclncs in Whicti Omombors elect aSoFi bin'W,th•:shottor torm th&n tho,r ~iorstudcot lo.in tcrm(&)2) tho to(m
1unr,.m UI \fW :K)rl mumuvr 11,pr!Yf 'liUKHUH tu.1m11wn 1t1M,., \llilll:) y11&1au1 tonr,.vr lllliln~)'lllilll- .,, UMI :M.lf'llllVfUMI UlU 11'1,1\ ~IJVKHI ~"01111~:-lUf
complete information ,ciprdinchls 01 her ouutandinc balaniee. IO."ln 'YPO:, APR. or currenr monthly payment. Safi excludes the .tbove
refinancinp in an offort to maxiffllZ~ 11ansparency on how we cak:ula.to our monthly savines amoont af'ld to m,rumt.le the risk of member dill ta
•rroc .sk•......,ne the rno.,thly UVH''f,$ amounL
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 $fl8n012 and 6/30/2016. fti.t c::a)(:1,1laho,n •• dttnv41d by a..-•ragmc; t~ m(lnlhty uvmg, of Sc>t., mamWrs..whieh ,s c::a)(:ut.t.-d by U'kmg
the monthly a.tudent toilln payments prior to refinancint; minus. the month~ .student loMI payments after refinanci"le with Sofl SoFi'c monthly
s.iY1np m(Jt.hodoloiY fo, studc-nt IOan rermancinea-s:~umos 1) mcmbe1s' mtftrest rat us do not cMn.19 ovo, llrms tfROJECTlONS FOR VARIABLE
RAn:sAR( s'rA11CAI iH(TM( or RI FINANl'.'.>'GAM:.>00NOfRf.1'l..LC I AC'IUALMOVlM.:N'r Of RA I (SIN DI( 11/f'UROJ)maml)ara makfl
all payme-ntc on time, Sofra. monthty savifle$ methodok"fv for ctu<Htnt loan refinaocine e,;cludet refinanci~ in which 1) members elect a SoA
lo.n wrth a shorto, torm than lhotr ptior studont loan htim<t) ~ the to,m IOnf\.h ot thv SoFi n-..mb9r's p1iof 1otudo11 loan(I) was thorto1 than 5
yea,& or k)ncer than 30 yea,. 3) 1~ SOfl member did not prov.de eo,roet or eo,nplOtf!I fntorrno\tion tftc,trdtft( l'lts er Mr outlf,tand1nc bat.anef!I. loan
typo, APfl or cur,ent monthly paymcnl SoFl exchx,C$ the above refinancmp in an offort to max1mJto tlansparenc:yon how we calcutato oor
moolhly taVf"JI amou:nl wld lo mm•mtu tha "''-of member dat1 •n01 1hwme lfflt monthly 11v1nc.s •~nL
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<itl JOU 1)1.c::•m.nt H111"tlOC:e d\mn& y<x.i1 forboaranc:• 5)9:nod. lnh,r .. l will conbnu. to .ecru• ind will be .ckhrd tOYQl,lr
prinel~I blll1noe a, the end of f'&c:h fo1bur1nce penod, to the e:rtf!lnt perm,ned by Applicable law. 8,eneffl• are offered 1ft thlee month
incrome-ntfl. and caJ)ped at t2 MOnths. In aeerceato. over tho i1fo of the loan. To be olleit>lo for thn assistance you must p.-ovtdo ptoof that you h•v• appl~ tcx llnd ••• •lir.ibi. IQI unl)lmplOyfTllfOI c::ompsn,ahon, •nd y¢u mvat adrvety W(Hk With (lur c;.,..,r AdVT.,O,y (;rQUp to IQok fOr r1*'W
emplovm,e,nt. If the loan 11 co-giined \he unemployment PfOte,ct.ion applles whe1e both the borrQoWef and oocipr loa.e their job and meet
condiliOnt.
'' Sofi i s the leadirc student kNln refinancinc PfOVlder Hof June 2017. The lead me student loan refinanconc p,ovdef •~ defined as the pr Nate
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. If vou 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<itl ol,lfbl• for lhA •u11t1nc• YQUmuat l)f~ proof that you
have appl4ed fo, and a,e eltitible fot unemployment compeM11tlon. arwf you must actively work w.th our C11eer Advisory Croup to look fo, new
omploymcnt.
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 cha nee 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 depend on 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~mbor lhrovxh
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 aver ace. 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< or ·imp1ovmc· your cr.cS1t 1.c::01d.cred1l h11to,y.o, Culdd r1lm1, fol" dtrtl1lt..H1' lhe f T C-1-w.bl.,ta on c1ed1L
ca~ulat10ns bucd on• 5-yoar Sofi P&rsonal Loan with lowest avaltabkl fiXed fate with AutoPey of 6.95% APR. Qcdlt card calcoletlon as.sutncs
S-yH1 rcpaym.nl 01 $35,000 crodrt c11d ba/anc:• with tntcrcat raht ol 15.'39" APR. Both Calev1aoon, HIUmtt 60 Iota I monthly paymenla. and no
pre-payment amounti:.
'Sof•l"'10<ti~C-Cl•£1u 1 ry l'ld,ato ~:: ~Q¢t ,.r' ... NMLS#lt21636
Paront Loans:
7. rill:ed rate• fro,n4..250% APR to 8.000%Al'A (Wnh A1nopay). Vanablt!!I ra1f!IUlMt1"'C from 3..690%APR to 7.1151', ~ !with AutoPay). e.pped •t 9.95" APR Choose from wail~ tcrrm.. If approved for a k>an. tho r.xcd Of van&ble 1ntc,cst ,ate offcrodW'llldopand on the borrower's
c•.d•lworlhirwu •nd the 11,,,m of the: lolill. and will ba w,thin th9 ra"£1111 of ,a!•$ l11l'kl above. t.ow~I 1•I•$ ••• ••~ l<w U• be,t borrow..-s..
For the SoFi 1t11rlable rate p,oduc:t. the knonth U~ k\dex wi11 adjust monthly and the loan payment wlll be re-anorti:ied and changed
monthfv. APRs for va,iabkl rate loans may increase aft et oreination if thb LIBOR index 1nc,eases.. The SoFi 0.25% ~utop11y mte-,est rate reduction
r-au1re1 you to 'Cr" to make tn0t1ilhly prmc;:1pal 1100 snt•rest p•yrnenls by an •utomahc, monl.hly d-'ucitOn hOC!l • .s .... 1ng1 01 c;htlckm~ account.
This benefit wi~ d1«:ontinueand be k>ct for periodl in which you do not pa:y by 11utomaticdeductkln from aaa\llo11:5or chectoncaoclOIJnt "To
check tho rates and t.,ms you qualrfy fot, SoFi conducts a tot, credit ll'tQuiry, Unl,k• hard credit inquirie5,.soft crlfd1t 1nQu11i01t (or .soft crud1t
pulls) do not lm~t yourc10d1t SCOfe. Sort crecllt lftCtL1Lrl01 anow SoF1 to &howYQU Wl\at rates ancf tii,rms Sor• canorter you up front. Atlor &eelflC
yoor rate&. ff rou choose a l)loduct and cont1000 your appfiat1on. wo will reque1t your full crodit rep()ft from on:, or more consumer repott,nt:
aeencres. which 1s constd<rrod' a hard crtKl1t 1nQuuy, Hird crltd1l 1nc:i.u111@t (or ha1d credit puU11) are t(IQUued for Scf1 to b<I abht to issue you• Joan.
In addition to roquirll)f! your explkn permla.slon. theae credit pulls may lmpact your credit acoro.
a. bplor-, fede,al '°3nJ and compare tQ ef'll5Ure you unde,41-.nd the ~e-rma ~ leattn9$. Feder,! Piirenr Pl.US l°'rli-offl!tr cr.adu.ated re~ment
pliins and deferment bcnof1ta. which other student loans are not roqU1rc-d to pwvtdo. Fedo1al Parent Pl.US IOans l\avo Or\&ination foes and tho
fix.cl 1nt••••t rllt• to, Pa,•nt Pl.US Lo•nS maet.t,c;,m July\ 201$ lhn)utfl.k.infll 30. 10181$ G-31% per -11/VlUm. Th,IJ W1 Par•nl l.c)an 1$an tn,m•chat•
repayment to.an and there I~ no def EK merit wh!le yourch,ld or dependent II In a.c:hool.
The, mler••t rat• lex 011.et Pl.US Lo•n• fir•r d,lbur•d on ot •H•r Jvly \, 2011, and ~fo..• July 1, 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 cost of a SoFi Parent Loan Y..1th
thO on1m11\0d hf11t1mo c<Mlt of a fedcnal Oiroct Paront PLUS loan. Tho SoF1 Parent Loan kfat11mrco1t HtunltJon u,os: an APR ot S.S.-9%. IO.ln
amouin ot $28,084, •ncl a 10 VOAJ" loan term. Ttw, ror,.,,.:i 01r«tet Par.i,nt Pl.US Merirrw, coe.t estimation UteS an mte~st rate. of 7%. Of'C!Nllton fee
nOilln Feo7 of • .276'%. ban amount of $28.084. and e 10 ye.at loan torm, The hfet•me saVi"nes mo~ for SoR Pa,ent Loans .»Som<!$ 1)
mvmbara make montNy paymont.s on limo roe tho full duration ot them Sofl Paronl Loan: and 2) mcrmbcu1 lako ad..-• nl.:lilii:O ot AuloPay, whl<:h
enablell thom to lower the APR of their loan by o.,s%. Actual savlncs rnayvary depcind•nc on your Uft"iq\H!: &itue,ttcn and the interest 111te vou
qualify for. Feder .. Di1ect Parent PLUS Loon fato al'ld fee 1nformatlon can bo found onlN'IC at www~tudentaid.ed~/s.altypes/loaM/plt1s.
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$/Jre you undetata.nd the tf.ttrn, and featt11es. Federal loan, offer &taduated tepe1mcnt plan,. ll'IOOn'IOcont1neel'lt
r•pirym•nl optlOn., •nd d•l• rm11nt ~ht.a, whreh cthttt tll.ld&nl loans-.,. nc,t ,.,qulr«l lo p,ovid•.
Entrepreneur Program:
,0, Any unpaid mtcn!lst w,tt bu capetali2.cd •nd added to your P1•nc1p,1t btl1nco al lhc end ot ttw dcfcimunl pemod. Ma.1umum defc1men1 pcrtOd
IS$,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'ly en:iofscment or rtteommcndatlOn
ol $(11, on behillf of th•111 Sc;.hoOls.. ~ Qt l~ f:EAC ,.p,••ntatMts •r• (:Om~nuled by SoF1. "TQ(:t.:;:lc th<t ,ai. .. and t•rm• V¢U qualify (Of,
SoFI conducts a t0ft <:red1t ~u,ry, Vnlil\.e hafd <::red it rnquirlfl.wft <:redil 1nquirl@s {or soft <:red it pulls.) do not Imp.ct your credit-SCQfe. Soft
c,od1t mqWnn allow Sofi t'O show vou what r11in and 1orm11 Sof1 c:an 0'101 you up front. Ari or 1i1oom51: you, ralos. f you c:hOoso a ~roduc:11nd
eont1nue yQ1,1r apphc.auon, we will reque,1 vout ruu eied11 repon rrom one or ITIOfe eonsume, report1ne acene.~s wl\1el\ u eonside1ed a Mrd
credit h,qU1ry. Hard <:red rt inquu)M (Of h3rd credi1 pull&) are reqwed for Sofi to be abl<e to '"ue yoo a loan. In adj1tK>n to requ111ng ~°"' e>1plicit
pcr1m1111on, lhno credit pulls may 1mp1K:t yov1 crod,t sco.o.
Par•nt PLUS Rortnanclng:
12. A>led rate, from 3..350% APR to 6.750% APR <wrth AvtoP.iy). 'Variable rates from 2.815% APft to 6.490% APR <wth AutoPty). Interest rate, on
vanablct r• ta k>an11 aro c.ppod • t t11tha1 8.95% o, 9.95% dapondcne: on t"rm ol loan. Soo APR oxampln arld tv-,m1. Lowa-st vam1blct rah, of 2.815%
APR ~me.J c;:urrent 1 mon1h LJ9OR 1a1e of L14% plus 1.825% margin m1J\u& 0.25% t11utopay disecunt. Not aH bornr,,,.r,,rs receive tho lowest ratf!I. tf
app,ovod for a loan. tho fixed ot vat,abki ifltcros1 ,a10 offcrod will depend on you, cred1t'WOllhiriess. and the tcrff'I Of the IOen and other fac:to,s
al'ld will b4: w1th1n thto , • ...-sof ra1t11s l'St~ •bo..,. .. f"Of \ht Sortv•n•*••hl! loan. t~ -...monl.h UBOft 1~111 will ll<:JU&I monlhfy al'ld I.hit ban
p;iiyment W1II be Ht·amort,:zed and ~Y chane.e monthly. APR$ for var1.1ble rat" k);)ns may increa&e atter orieln.lticn 1r the UBOR lndex ,ncrt:!~
Thb Sofi 0.25%AutoPay inuuest ,ate roductiOn wquires you to a&1ee to n,alte monthly principal and interest J)8)'11'18nts by an automahc:
rnot1lhly <hld'...chon lfom a uvmp Of ctwck1"Cac.C:04,mt. The boMfit w,11 dncon,h.n~ ~ b.- ~,t tor p.ucxb 1n wt11ch you do not pay by
automatic: deduction from a 1,1v1ne, Of chec:kf"K account. Unl,k:e fedefal P.tre('t PLUS loans, the SoFI P3r~nt L0¥1'5 noi discharced In the event
of d<rath 01 potmancnt diubil.ity ot lho bonow.r 01 the atudcrnt on whoso btthlllt tho 1011n rs uk.on out.
School S11vin91-:
13. UCLA Mtimber Ltlehme Sav1"Cl' - L1f•tune u1nncs c.a5eulahon rs bawd Of'I all $ol'1 membi111• that g,lldual-.:1 hom UCt.A who r•IM"lane.d tt..1r
stud~m loan1-belWeen 7/V15&nd 6/30/16. The 1-11vingg calcubtion is denved by taklfli lhe estimated lifetime con of exisdne l'.tudent loans
minus the lif•umo c:ost of Sofl lo•n• upon rofinillnc::1ne fo, SOfi mombon thilll 1raduatltd from UCLA who rllfmana,d th4ti1 •tudont k>ans. Sof{t lllenme uv1np ITWUIK>dOIOCY tor student loan ret1nanc:1ni; assume, 1} rnembera· Interest r.11es do not ct\anp OYef trrne (PR('JJ(CnOr-,s rOR
VARIABLE RATES ARE STATIC I\TTWE TIME OF RERNAHONGAH:J 00 NOT RER£CT ACTUAL MOVEMENT OF RATES IN THE Rm.m 2)
rMmbonmako ail ~ymOn\$ on omo 3)mombo11 m,k• monthly p.,ymvnts for tMfull duriation of th0-1r loan ,Omtmbclra ta.Ir.• tdvantoe- of
AuroPay, Wl\lct, enable.a them to tower the AP8 of 1t.e1r loan by 0.2$-%. Serfs aver ace 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•tt0r 1•t .. d1nc, h1t0f ti.r
ourstandlnc balanee, 1-oan type, APR. Qr cunent mon.thly payment Sari eiccludes tho above 1efinal'IC1np In 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.ndmg Corp.
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 $/30/16. 1Mcak:ulalo0n r&dtimv,ad by av•r•erng tht-monthly uvm,,ot Sof, nwimbers lhJ,I ie,r•duated from
UCLA. WMch is calculated by taklns tt)e monthly student k>an payments pt'lof to refina~fll ml001 the monthly 1:uden.t loan paymt'1'1t6 after
rrrinanc1newith SoFi SoFi's monthly savinp rnttthodokJey ro, student loan H!lf1nanc:ini 85wmes O mcmbe1.s' inttt·e-s1 rates do not ehanpove,
hme (i~CfK)NS f'.OR VARIAilU RAl'(S ARE s ·rATIC AT n1E1'1MCorNl.'.r1NANC1NO AM.> 00 NO I R[fUCI AClUAl MCW( Mulr Of' RA Its
SN l1-IE R/TUfE 2)members make all payments on ume. SoF"i's monlhly sav1ncs methodology for student loan fe1in.aoclng exc:l;,,d,M 1efinancmp.
1n whteh I} mvmbvr• olO<:t • SoFi loan w,lh • shorlOt term ~n lhvi1 pr,or 1t~cnl loen te,m{sl 2) t._ te,m loneth cf lhct SoF'i rrn;:mbor's pti¢,
student loan(I.J was &hOrter tl'IAn 5 years o, ~r tl\.3n 2S. years 3) tho Sof'"I member did' not provide eonect 01 complete 1nronn1uJon ree:ardmc
hrs Of he( OUUt-ind1ng balance. lo:an t)lpe, APR. 04" <:uttent monthly payment. SOfi ex<:luOes the ab<We fef1~ml:'.., an effort to max1m1ze
tianspanmcy On how wocaJcul.aloour mOnlhlynvmgsv.mounl illnd lom1mm12.o tho ,1$k0f mombctf d•t• onor 1ktw1netti. monthty savin111
amount.
l7. Rull9r11 Momber Lllabmo Sav1111:s - Lllolimo sav1nip calculillbon 111 basctd cm a'I Sof1 mamban lhal c:ra<tuatitd horn Rv~,s who rol1nanc:od
the1rat\lde.n1 loans between 7/1~11M 6/30/16. The uvinpc.aleulauon isdett!ved by uk:m£tl\flesttl"l'l:U~ llfetlfl'Oooatot &lll&\ll'l(llvdeftt 1Gan11
minus tho Fifetimc<:01t or Sofi loan$ upon refinanc:inc for Sofi mombcn that rraduatcd from Ruteors who rcfinallc:Cd their stUdent loaM.. Soffa
IIlallm• aav,np methocfoloty lor •tudlimt IOan r•11na.ncm, •humtts U mambtlu' 1ntwnr1t ralH do not chant• owr lmllt f"ROXCTION:S r-OR VI\RlA6LE RA"TUARESTATIC AT THE TIME OFRERNANCING AN) 00 NOT RER.FCT AC1\.IAl MC)'v9.ENT"OfRATI;S INlliE FUTUta l) membors make all payments on bmo 3) mombers m11ke MOl'lthPy paymenta for the full duration of t~if loan 4l m6mbe,s t.ilte advanUCf! of
AuloPay, wllich • n•bl•a lhem lokJw4ir U,. APR ot Uwir ball by 0.25%. Sof1"'1: .-v.,-e- aav1nca m•thodolocv for sludll'nl k»n ,•hnanc1nc 11rxckm•
refmanclngs inwhlCh 1) members elect SoFi I03ns w'fth lon~r matumy than thettr ex1stlf'l1 student loans 2' the term length of the member's
orc,nal student loan(s) ,s creatl'.!'1 n lhan 25 years 3) tho member d1d not prov de COfr<.-cl or c:ompltHe info,matiOr ,eprdine,hisot her
outttanc11ngb1Ja1"1Ce, IOan type, APR, or cunem montt'ltv payment. SoF1 exclUdn UMI abow refln,nc1np ma •Nort to maximtle transp.aren.cy
on how we calculate our aoterage lffetime UVJnes amount and to m11Mmize the r1skof membef03ta error skewlnt::the averap Jlfet.ime UYIOp
amuunL
18 .. Rutger 15. 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 i11dorrvod 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 ~n pavrrw,,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 do not chanfo
O'IGI time (PROJl-ClJONS FOR VARlABLE RAUS NII£. STA nc AT THE nME OF ~NE 00 NOl RBUc I AC"I UAL MOVl:Nl::NiOF RA l(S IN TI4: J\JT\JRO 2) member& tNke au payments on time. SOffs montMy uv1nes metl\QdolOel for $t\ld0ftt IQ.an ret11\Jneinc eicell.lde.,
refinancines (n which 1) rrw,mbOfs etcet • Scfi loan w,th • shorter tc1m th.in tho11 poor s.tudent loan tarmta) 2) the term lcnll:lh of the-Son
member's PtlOr •tudent loan(t) wn shorter than =>vnn or Ion pr thin 25 year• 3) UM Sor1 membet did not prOVtde c;;orrec:t or c;;omplete
Information reprdinc: hi$ 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<f•nt lc»NI ti.~ 711115 ilnd 8/3011& The SilY1"(S c:ak;\llatt0n ,s d•r~ by l•lullf: th41-sbmat-9 lll•t~ (:Oat
of exis.Uflistudent loans minus the lrfetime cost of SoFl toan, upon refinancme fot" SoFi members that gr.ad1.1atedfrom the Untvefsrty of Tex3s at
Austm whO rofinanced thou studont loena. Sofia lrfe1,mo savmp mcthodotocv for studonl loan 1ofimmc:1na: ••svmn I} memti.ra' mto1nt rato1
dOnotcl'lanc-Q'-'•'tlrne(PR(U:C110NSrORVAIIIAfll.l RA'll .. 'sAREs'rA11CAI 111( llMl.Of R(l'JNANCJNGANOOONOl'Rl.lUCl ACIUAL
MOVEMENT~ RATES IN THE FUT\JRfl2' members make .all payments on tkne 3) members m.a\:e montttty payment, for the full durauon of
thou loan 4) mcmbG-rs toko advanllto of AutoPay. wh1c:h cn•blcs thorn to towo, \ho APR of thet1 IO.in by 0.2So/ ... Soffs avllM•lfO aavm,:s
~tl\QdolQcy tor sttid,i,nt IQan refln.ancinc exeludea rer1nanc1nc, 1nwNcl'l l) member, elect SoF• lo.MIJ wttn lof\ee• matunty than tt,ei, exlstl"(C
student ~ns 2) the term knithof the member's Olil'nal stud()nt kMtn(s) isere-atcr 1s than 2S years 3) the member dtd not provide colfect or
c:ompleto mto1mahon •0i!i1d1ne h1so, he-r oullltandtn!j: b•laoeo-. loan typo, APR. Of cununl moothly paymonL Sof,oxc:ludn lhtt abovo
rerd'l,nelncs 1n an eHQrt to tl\8.Xlm1z:ci uani,,l)llrenc::y on how we cateulatft ou, awtrace life11me uvines amount and 10 min.1mlie ltle. rtSk of member
data euo.r akowine the avaraec Metimo savines MT'IOUnl.
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 1t denvod 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 ~b prlOf 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$ do not chance over time i:PRoJl:CTIONS FORVAR1ABLE RATES AREstAllCATTHE lltJE OF
RI l'INANCINGAN) 00 NOl" R{J-LfCl ACI\JAl,.MOVR,,11-N"t 0,,: 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 1eflnanclnga in which 1) members elect a 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 skew in• 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 Mab me 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
AGLECT ACn.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 ~nt4 for 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($) 11 cr•at•• ,, than 2S Y••n• 3) tho TIOmber did not PfOVtCM' co,rect o, complet• 1nto,ma110n reprd•ne: ti.110, her outtUndlnft b1lar,ee, k)1n type, APR, or c.unent montht'p' pa~ment. Sof:"1 excl!Jdff the abOW
refinancings in an effort to maximue trans.pareoc:y Ofl how we calculate our averaee hfet1me sav1np amount and to mtn1mtze the rMk of member
dalil «mor ,.kow1r11 H1• av,uato lif•LIITMI 11-ivtnt:'i ••nounL ~ Uniwrsitvof Flortda 1s not effiliat,-d with end <too, n:n onc:10rse-, promot~. o, 1pon.sor educauonal loan.s made by SOFl Lendil'lg Corp.
22. F"fond1 M•mbor MonthPY Sav111fP- Monthly aav1np c:-akvlabon ni based on all Sof1 metmbcra lhlt .,,actuated from lhc Unrv•rs,ty ot Florida at
G.a1neav,11e who rl!!fl ~neod ttw,-1r •tudent k>a~ botwcen 1/VIS and 6130/16. The calc:ulation la deuvoci by averavi,c: the monthty aavinp or SoO
mcmbon that erildl.Mltod from the UnlYersity of Florida at GalnMvlllo. which 1s calculetod by t,alone the monthly student fOilln payments pnoc to
r•IU1ar,,;.incmmu1 II• monthly ,tudenl to.n p.-ym4-nt• •h•, tiitf,ruincmg w1th Sofi. SoF"i's monthly 1-1vanp methodoloey lor s.tude.nt k,1n
reftmtncli:-e:nsumos 1) member~· Interest ratt:11$ do 001 chance ove-r dme CPROJFCT10NS FORVARIABI.E RA'Tei ARESTATICATTHE TIME OF Rl:ffNANCWGAfoO DO NOT RER..£CT ACTUAL MOVEMENT Of 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 1oprd1nc hrs 01 hvr Ol.1Utand:1ne ~lanco. lotn type. APR. o, cuuont monthly
payment. Sor• oxcludft the above retinancmcs I nan 4ttDrt 10 rna:iom1.1:o u-,is.p,arency on hoW we calcu14te our monthly IIV'lfll:'I •mount a.nd 10
mini mite the nsk of membet d.1ta enot s~ewtng the monthly s.av,ngi amount.
13. Unweurty of M.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 $t1Jdent loans be~ 7/Vl5 and 6/30/)6. The MVinesc•tculatton is de,ivod by tall•ne
lho vst1mwtod lllct1mo cott of uxJtbn& studunt loans mmus tho hfobmo cost of Sof1 loans u~ 1chnanc1ng for Scf1 mombllrs that '11du1tod
from Uniwt,.rty of Miehl(an at AM Ar bot who tefln.a,w:;e,d th.elf t,tuden11o11na. Sori'a lifetime .u\4np me1hodoloC1 to, ,tudent lo.$,n reflnaneinc
IS-$\Jr'OeSl)mcmbor•·•nte,es1ratesd6notc.Mneoov-ertimoO'ROJECTIONSFORVARIABl.E RATESARESTATICATnETIMEOfREFIHANCINl
ANODONOTRCA.(CTAClUAJ..MOV£MENTOf RAT(S.,_ll-W"R/fl.JIIO?)memt>tirsm,k•11IIPtYrrwtntsorit1m13)mamt,.,1smak•monthly
p3yments ror the full duration of their l~n 41 mombefs take adv:.ntage of AutoPay. which enables them to lower the APR of their 1o:an ~0.25%.,
SoFi's BW!rae,b savinp: mcthodoloC'f fo, stud~nt loan 1elin1ncineexciudcs ,cfinancin&a in which I) m&mbe,a ~lecl Sofi loans with k>flee• maturity
lh•n lheur ex1.$l1ng student loans 2) th• t•rm ~h of 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 rates do 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 elect a 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: hit Qt ~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$1 ot Sor1 bsM upon ref1nanc1nc to, SQFt rr.embett tMt paduated r,om
University of North C.rohna who refinanced thc1ri.tudent klens. Sofi's lifet,me &a-vine, methodoloeY for student loan rofinancinf assumes I)
mcrmbtrr1'"1l•rt1t11tadonotc:-han,;.011erb~(F'ROJ(CJlONSIORVA.RIAULCRAlaNlt.SrATlCAllltEl~O(~ANOIX)
NOTRO=UCT AC'TUA!,.MOVrM(Nl'Of"RATtSINn.-Rm.JRO,)membe,a make all p.aymen111cn um,e 3) rnemberamake monthly payment& lot
tho full durabon of their loan 4) mem~a take advtntaee of AutoPay. wtlieh (mables them to lower the APR of their loan by 0.25%. SoFt's averaee
p,11ng1 methOdology IOr •l~t k)an ,.,hn•nc1'1(t •xC.h.J(kn "'f1n1ne:mi• m whaeh l) memb.11 • I.el Sc)J-1 t(ian$ with ~• rn"hm1y than O•u
exi&tlne nudent loans 2} the tiMm length of the member's ori~I student 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 University of 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$1n Momb41-r llf•tJme, Savmp- Lrf•tn-nt savinet c1lculatKH1 1a btt~ on all SOf1 rncnnt.ra Uut &radvat.-d hom Un1vors1lyof
Wl9ccnsln who 1ef!nanced the111n.ident foons between 7MS and 6/30116. The aavrnp cak:ul:ltion i1 derlvl!!d bytttkl.n, the estimated hfet!me
coat ofex11hnes.tudcnt loans minus tho l,fonmeoostof SoAto.r\3 upon refinanc1ne:for Sofimembars t.Nt eiad,.oted l,orn The Unwer,,tyof
W,seons,n whO ••l1nancitd UMlli. t1udent k>•nl-SoF,·1 l1f•time Uiwmi, mtthodo\Qtv lor 1tUCMnt ~n r•lm•neeng _.umt• 1) ~~•· mt•••st
rates do not cha nee over 11me (PROJFC110NS FOR VAA:IARlf RATF.S AR.f. STATIC ATTHFT». Of RFFINAHCNG AHOOONOT RFR.ECr
ACTUALMOVf.MENl'OltRATEslNbEAJl'\JRE)Z)roombers m.ikulll p,ymc-ntsoo tJmu 3) memtxrrsmak.c monthly J)l'fments to, Uao full
dur11irOnQI u..,,r io.n 4) nwmbtr• t•k• ach,antageot AutoPay, wfueh •n•blc• ~m to ~r !he, APRot IN1'1r IOJinby 0$%. 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<sl111P011te, 111 than25VOl111o3)thu 11Cmtx:1 did noLPt"ovido
cone-=t o, complet& 1nto,mation reprd1ng h1101 tw,-r ouutand1f\C balance, ban type, APR, or curr~t rnofttl\ly pa~ment. sor, exclud&a the al)Ove
ref"°'ancings in an effort to JMXlm,zo transp• rencv on how we ceJculate our aw-rage Met.me savin,cs amount end to minimite tho nsk of member
d•ta 01101 ~vwme tllO ,vora10 Mobmo HVlfliS amcK1riL 'th• UnMrr'IIIYol W1$COnsm II not 111,halvd wrlh •nd don not ondo!sv. promolo.et
$pOMOf eduC.J1tional loan.s made by Sof.1 Lendinc Co,p..
Baylor Un1vo111ty Mcrmbcn Lrlot.Jmo Savmp - LJ1ollmo U\tlf1P ealculal.!On u; based on all Sof1 mumbc:'11- lhit gredntod ham Baylol Unrvo1S1tv
who refinanced rh04r student iocln.s be-tween 7M5 and 6130/16. The .so-vine, calcula110n tS derived by ta kine the ut,m,utd Dftmme co1t1 of ox is.tine nud1mt loans Minus tho hfot1rric ~t of SoFi baM upon rcfiMnCtne foe SoFi membera that rraduated frcm Bavkw Unrversiey Who
r•lmanc.:::I lho11 stu<hnt k»na. Sor,·, l•l•llffllf .. ,,1nts mathOd<)klCy ror ,tudotnt IOan 11t11ruinc:ine •••ume, 1,1 mtt111b911' 1nt•rffl ••I•• do not
chanpove,tlme~FORVARIABL.ERAlFSARESTAT1CATTHE'TlMEOF~AfoOOONOTREfl£CTACT\JAl
WOVEMENiOf' RATES IN THE R.JTURa2) members 1nake •II payments on tune 3) membcis make monthty p.ayn-rnts for the full dur1oon o,
their IOan 4J membl-rs t1ke adVantae• 01 AutoPay, Which enabi.1 them to tower the APftot their ban by o.2s,r,. Sofr1 ave,1.ge uvlnr,s
methodolocY 101 swdent knn refirnincloc excludes ref1nancinp in whk:h 1) rnembeis etect SoFI loans with lonee· matumy than \t)eK ex1s.t1oe
ltud(tnt k>ans 2l thcr tc:rm ~neth of the rn.mbor', Clf1&,nll •tudont kJ.n(s) is &1Hl•f 11 than 2S VV•tr• 3l thu mctmbvr dad not s>,ov1dv corroct or complete 1ntorrna11on ,eprdl"Chll Of l'IOr ount1nd1nc balance. k)An rype, APR. 01' curreflt monthly payment. SotlexclUdea 11'19 nt>ove
ref~ancings in an offort to maximize trans.percnc:y on how we celculato our average hfetimc sa-v1ne, amount end to mtn1m1zo th<t r11k of mombor
dalAI vrror 1'kOW1fll t~ avo,ai:o l1f•bmo 11-ivtni$ amount. Baylor Unr,0n1ty 1-s not athllato-d Wtth and doOI net fflda-t., promot•. or si,onlOf
educa,lONil k)ans made by Sori land1nc Corp,.
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 er actuated 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 do not
chanfl9overtlme~FORVARIABLERATESARESTA11CATTI--IETIMEOfREflNANCN3NEOONOTRER.ECTACTIJAl
MOVEMENT Of 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 ave rap
UVl"ngs Met~ fot student loan ref,nancine • xch1<IM tefiMhelngs ffi wh.Ch 0 mernbe,s &lectSoFi bah& with klnget maMity tnan the-Ir
cr.11.istin& student to111s 2) lho tcrrm ~h of tM membvr'& one;inal studont lcan(s} il IJ•atcr ,s than 25 ye-a.is 3) tho TMtmbcr did not p,ovido
conect o, complete 1nforrnation roprd1nc hlso, Mr ouu1anc11nc balance,k)A.n type. APR, or current mofttht'p' pa,ment. SoF'1 exclud&a UM! abOlt'lt
teffnancu1O In an effort to maxifYkle uansparency on how we ce~ulate out evcr•&e hfetlfOO w-,ines amount and to minimize tho nsk of member
data •nor R•w1nt; U,,.1tvttr•Ct' hi•brr.- nv.nc•amourit. ~ Uniwr"fllYOf Antona 11 not •Uil1atlrdw1lh and does tw>l sndol"S'III, p,omot •• et
sponsor educ.ittional Joan.s made by Sor=i leridai,e Corp..
The: Unrvt1rsity or Ktnsaa M•mbfn Ld•bm.t Sav1n(I - LJf•bm• •~ c:akulatton II b1MKI on all Sd1 mombe1t lht p-Mtuat-.d horn Th4it UnfversltV of K:ar1$aS who u!lfinaneed ~r student 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
flEfUCT ACTUALMOVEMENTOfRATESINll-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~"'-. $offs averat4
s.iv,ne-s methodololV fOf studeot loan refinanclne exctt,,ldes refln.ancff\i:i ln whi,ch 1) mombefs &le<::tSoFl kt.Int w11h kit9'" matvntv than their uJLisllne a1udont k>ana 2) lhv to1m Jongth of lhtt mvmbvr's 0tiein11 studont loan<s) 11 e,aatctr 1s UMl!n 2S yevs 3} lho -nombctf did nol ptovido
cor,ect o, compk!to 1nto,mauon reprdmc tt,taor her 0uui.ndill\lf Nl•nc.o. ~ rypo, A.PR, or cunont mon.thfy pa)ment. Sor1 exclud11!14 the aboYO
ref~ancil'le$ lf"I an effort to max1m1ze transparency on how we celoeulate 001 ever.ge hfetimc wvings amount and to minimize tho ttsk of member
data onor O.ow1nc thO • vcrago Mobmo savmes amounL Tho Un1V1trs1lyof Ka.naas 1s nol a1!1f1.atod w1lh a,wj docs not ondorso. l)fomot•, o ,
&panfOt odu~tional loaM made by Son lend•nt: Co,p..
Pv1duo Unrwrsity Mombo, LlfotJmo S.v1ncs - llfvtnno sav1nca c:-ak:ulatton 111 bal«I on an Sofr mcrmbon1 lhat 11-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' RA TU ARE STATIC ATTHI; Tit.E OFRf:FINANCING AN:> 00 NOT RFR,FCT ACTUAL
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<tnl k>ans 2) tho term ~nrth of the member's ons-nal studont k>an(I) is ereate, is than 25 V-itrs 3 ) tho mcimbcn dtd not PfOYido coucct Of
com.piet• 1ntorm1tl0t1 r-carci1nctt,1s01 Mr ot.nst•nOtne o,1ane.. lO•n type, APR, Qt current mont'-IV p,yment. Sol-'lexCll.ldff thti at)OVe
refinancing,s in an effort to maximize tun~pareocy °" how we c,leuta.te our avera,e h1'etime s.av1ries a1T10t.1nt alld to m1n1m1ze the 1111( of member
data error 1k0W1f'l8 the, average lif•tim. aavmis 1urKM1nL Purdu. Un1w,silY 1s not • f1il1a1•d with and do.snot e nd:>rlC, PfomotO, ot sponsor
ocruea,iona1 ~n, ~ by Soft Le-nc11nc Corp.
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$1
of oxisting student IO•f'I• minus tho lrfot imc COit of SoFi loins upon 1efinanc,nc fOf" Sofi membc,s that craduatodffom tho Urw,ors,ty of Oregon
whO r•f~ne.d lhtu stud•nt ro.na. SoUs ltf.-t1~ uv1ne;s methOdotocv for 1hidcnl loin 1•lm1ncins •as11mn I) mcmbera' mte,est r1te1 do not
eNn~cwettfrne trRO..:CTlONSrOAVARIARl.('RATC$AM$TATICAT TI-1:TtMrorRmNANC1NCAJ,.:;,OONOTRCAICTACT\JAl
MOVEMENT Of 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. $Qf1exc::lud•11 the aJ:;x:,vi,:
refinafl()lnp 1n an effort to max1m11e uanspareocv on how we (:alcu•ate QUt 1ve-rlie hfetime savi,. amount and to mmnmze the rkk of member
data an01 lllvwme \ho ..,orap l1f0Uma savmes amounL Tho Ltniwrs1tyot Oraion it not affilratod with and doos 1101 ondoJff. promo tu, or
Spot'\$0r oduellttonal IQaru made by Sofl Lend1ne coc-p.
Tho University ot Sovlh Carohnif Mombll1 Lifu1irna S•vinp - Lifoum• a•v10p calcvl1t1on is bawd on •11 Sof, mo-mbcha I.he? 11•duat«i hom
Untverslty Qf South Carol,r1a who ref1nsneed their tl\Kfent bal\$ betweein 11V15 and 6130/16. t he HVlftf$ caleul111on t1 denved by rak1nc the
$$llm3ted liifetmle c<nt of extt-bng student k>an, m100, the hfetime cost C>f .SOR bans upon refinancing fOf SoFi tr.ember• that e,aduated from
UnMJrs1ty of South Carohnlll who 1ofm111nced lh•u student ~m. Sofl's Mctnno sav1np mothodolocY for 1tudonlloan 1cf1nanc:rnlit 111sum<t1 1}
mernbars· 1ntere&11.atesdo no1 ch.tince ove, hme (PROJ(.c'l'JONSf ORVAJ!IA8U HA1iSARl.. STA"r'K::A'TlHElM.:O( R(IJNJ\NQNG-Nll)IJO
NOT AEJUCT ACTUAL MOVEMENT Of RATES INTHE RJTVRE)2) mombcr, Make 11111 payments on time 3) membe-r$mako morithlv pey~nt, fOf lhe lu1Jdu1•bon0f lMu lOm4) mwmber• t•k• advant1p0f Autof'ay. wtuch wnablea thvm totow.r lheAF'Rof thtn aotn by0.2S%. SOf""i's •vet•p
s.aV1.ncatM1thodoloev fat studl!l.n! loan tl!lfinancincexc1u-des ,efin.anclnp m w hk:h 9 rnembet.s elect Sofi loaM wtth ~, mattmty than their
oxistine student loans 2) the t etm lcmeth of tho member's ociplal student lo.lnla)is creilter is than 2S years 3} the T1Cmbcr did not PfOVKkt eo,,-et QI com~!• ,nt<wm•tton ,•pn;l•n• h1io, i-., 01.J~•tAfld1'"'1 t»lane•. 5Qan IYP'J, APR, or cr.m•nt mQnlhly P-")JJMJnL SOF, •.:duo.ts tha • t;icw-.
refinancings In an effott to maxi~ze uanspareocy on how we calculate our sveraee life-time 5-avlne,: amount aOO to minimize the- 1kk of member
dill error skewint the 1ve,111ee lifel.im6 savtnes amounL The Un1ve1sityof South C.1ohn• is not •ffili•tcd with and does not endorse. promote. o,
1pon:t01 lfdui;.atK>f\:JJ 10,11"' m~• b'f SoF, lenchne Ca•p.
e.uuar Untveralty ~ber Ltteurne Sw!np - U1et~ u v1"P c•kt.lrauon kt baMd on au SoE• members ttt,1t p-6utl9d trom Buti.t un1wrartv
whc, ref,nanced thl!lolr student loan~ be-tween 1n11s afld 6/30/16. Theqvings ca1culat1on" derived by takinc the nt,mated filet•meoonof
"'u,t1ne: student loons minv1 thv hfo tirne-CO$t of Sari loans upgn rof1rwuteine f0t SoFl ""1mbcrs th.it a:rtdvato-d frc:m Butler Un1ver1Nty who
rehnar'IC<&d ttte-lr 1ttfdent loM\s. SOffs llf&t1me sr,1np methodoklCV for student I0.1n reflNftCll'tC 1uurnos 1) member1· 1n111trea1 rates do not
chaneo ov-er time (fff()JECTIONS FORVARlABLE RAUS ARE STATIC AT THE TIME Of REFINANCING AH:J 00 NOT RERECT ACTUAL
MOVEMENl Of-AA n.s "'l Hl:. HJ'f\ME)t) mombor• n,111ko 111 payi.-..nta on bmo 31 membo1s m111k• monlhlV P'Yll.-ntl for thel lull dur111t.ton ol
their loan 4) rnemb&rs t ake .adv.ant-ace of AutoP•y, which enables t hem to tower the APR of their loan by 0.25%. Sofi"s avl!lt6fe sa'Vinp
mcthodoloCY for sh1dent !Nn rofiniancine oxcludos rcfinancinc-s, in which 1l mombors elect SoFi loens WM tonec· m•tunty thiin tho111!1Xi~t11l&
stud.-nl k>an, 1) ll"MI t•rm i.n,thc>' u.- mo•mti.r·• <w1e.,.nat stut;Srent ~n(.s} 11 w••t•r 1s lhlllll 7S )'Qrt 3) 1"'-tnf;lim~, did not ptovtd• eon.et Qr
complete Information ,egardlnchi&Of ™!Ir out11tind1nc balance, k)an (Vpe, APR, or cunent montJlly p.lV"""nt, SoFlexclude:s thf, above
rer,n,ncincs in an effort to ma.ximm, lfanspareocv on how we cak:uitto our .aver,ec hfetlffiC sr.-1ne,i amount 1ndto mtnimtzo the nsk of membe,
d•t• •nc>r Pawn,. ttM, • ..,.,,,~ l1f•h"""- U,nnK,. arnount. Uutt.. Vn1vers1ty 11 not •lf 1l11t«1 with •nd do.• nc>t ~-. pn)lnl)tl, Qr "f)On.$Or
educaffl>Oal loaM- mad& by Sofi Le-ndingCorp.
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 l<I dEH"lved by ta~n& the MUmated 1iretime
co1:t of oxi:slin& student loans mmus thO hfotimct cost of SoFi k>ana 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<PROJECTlONSFORVARlABLERATESAllE.STA TICAT THETM OF REFINANCINGN"DCX>NOTRER.ECT
ACTUALMOVEMafl"OFAAT£S1Nl1-IEFUTURE)2)mcmbcrs m.aku all Pll'fmonlSOl'l limo 3) mc-mbcrr• m11ko monlhl'f pevmonts fOf tho f-.,11
duration ot lhel:t loan 4) membets take advantace o f J\U1oPay, wtuch enable& ttw,rn ro k>wer the APR ot tlwm k>Anby 0 .2°!)%,. Sofl"s averap
savmp methodology fOf student loan rofinancineel(ch,ldes tafin.•nc1ne, in WhK:h I) member, electSofi klotos wnh klngcr maturity than thc1r
OJ1.1sttne st\tdC-nt k>ans. 2l lhv to,m ten(th ot the rnembor's 0t1.vna1 stud,mt IOan(s} ra a:rcalcr 1s tNn 2S Yfl"VS 3) tho TKtmbcrr dfd not PfOVldo
conect o, compll!lte 1nfo-rrnarion ,eprd1nc htao, h&r outsta.ndine bllancl!I. 6o:tn type, APR, or cunont mon.thty pa,ment. SoFI exclude-a the above
reflf"lanclnc-, in an effort to rnaximuo uanspare-ncy on how we calculate our evet•ic hfotimo '8-Y1flttS amount and to mW"11mizo t ho nsk of member
d•ta enOf d trtwn,,. t1111 •vc,,e- l •l•hn,,- Qvu,,:s..-nounl. 11w Uniwrs1lyQf K•nluc.ky 111 not t!Mn1t1'd w1th anctdo.nol nndOrH. pwmot,0r
spc:>050r educational loam made by SoFI lenchne Cotp.
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 146.086 ls 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 1nd 06/30/2016. 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. STATIC AT THE TWI: OF RER-WDNG N6'00 NOT 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 D memt=--rs elect Sof'1 loan.a: with ionc,tr maturity than lhair •x1,1llnc stU<Hlnt loeN Z) tho ~rm len,th
of ,he mttmbet'solfelnal 11U<Mnt bm(s) is greater b than 30 years 3) the memOOr dtd not p,ovide correct or complete lnfOJmanon ree;1rd1nw: his 01 her out•tanc:hne b.llanco. loan typ6. APR.01 curront monthly paymant. 4) kJ.ans with to,ms over 2Syoa,s if the reported balance 1s undet $60k.
Sc,Fi •xelud•:t IN, abcwe r•h"ane,ne,; ,n •n effort to mAJtorN.te tun,p.ritncy on hoW w• ciilcul11tt, our avariip r,fet.,... Uv•n£t amount •nd to
m1nlmlze the risk of member d,na l'fforsll:ewfnw the average llfetlme savlne-s amount.
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
MOVEMENT Of RA TIS IN THE FUTURE>2l members make all paymonts on luncr. Sofft monthly an1np mothodooev fOf 1ludonl loan
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 did not 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 life lime 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.ECT ACTUAL MOVEMENT OF AATESINll-£ 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 on how 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 nu dent
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 Of REFNANCING 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,m1b6n 10~11,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 YvInp melhc:>dok>trf for student loan rcf1n11nane assumes n member a' Intr1est ratus do not chanel!t O'Yf)T tune CPROJECTIONSFOR
VARIAOl..( RAl'tS Alff STATIC AT tt-1( TIMf:' Of:" IRrJ'.WANONO ANl 00 N(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 du radon 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~r m.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 a boy• ,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 1t r,kul.at-.ct by tak1rie lh-9 mQflthty ttud•nt lmin p.1ynw1mh prior to r•f11Ync;m1 minut t~ mc)nthly ,t~ot ~n paynw:nts •ll•r
retinan<,l,ie whh SoFl SoFl's. monthly savings methodolocy for 1-ludent loan reflnancin1 a6S\lme& 1) members' ime Mt rates dQ not chan1:9 over
tune (PROJECTIONS FOftVAfllAEI..£ RAlESARE STATIC AT THE nt-EOF AEANANCING ANO 00 NOT RER.ECT ACTUAL MOVEMENT OF 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 the If 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 com pie to mformatiOn ,qardlflfl':
hi& or Mr out.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<fl1f•l!IM eo.l ol s11.11\Jnc
studen1 \oan1 min.u& ihe frfe11me 0041 of Sofi bans upon refina.neinc for Sofi dental s.chool decree membe,• whorir,fLMneed their 1rudent lolru.
SoFl'1 lifetime savinp methodok:lcv fQt atudent loan tofinancmc•ssumos 1) members' intotest tat es do oot chan,e-O\lie-r limo CPAOJEcTioNs rORVARlABl.( RATlSAJl(s'TAllCAl lllfi'lMl;OI- RfANANONGAl>EOO NOi RI.JU.Cl Ac;.rUALMC)VI M€NI a:RAll,S IN llff' IU'n..R02)
member& make all payme,nts oo time 3) members make monthty payments for the full du rat too of thalr 1oaf'I 4) member& t.ilte aidvam.ap of
Autofay, which enables them to kJwer the APR of lbeu loan by 0.25%. Sof1"s .w1-ee savinp mcthodotocY for student toan refinancifll excludes
rer1nancin«1 lnWhieh 1) mamMr, aleet Son ~ns wnh 1ongtr maturity nun tMlr e1111t1n1 student IO•n• :U tM t ttm .. ft£1:h Qt ttie m.mMn orieln.al student loan{t) I& greater h: than 30 ye3ra 3) the member dd not provide cor,ect Of complete inf0<mauoo ,eeardlng his.°' hat
out11laod1nc b.i.h11no11, kxin typO, APR.01 c:un•nt monthly paymvnL SoF1 VAClvdlHI the •buv• rof1nancmp in en of fort to rMximu:u tJ&111p,a1vncy
on t,,ow we c.alcul.,te OlH IIV6t'8Cf! 1Iteume """"I!& amount N\d to mlnlmtz.e tM rlllk ot n-w,:mber dat• eno, Sleewrnctt'le l'Mf•CO l•tettme ._...,K'llr$ amount.
OentJ&t Monlhly SAVlnp - Mont"lY 1,av1np cak:ulImon of $800 ls based on all Sor:1 members wrtll a den tar 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~t lo.an paymeolt
afte, refinancing with Sofi. SoFi's monthly savlng1 methodok>gy" for &tudent loan refinanclnc aS$Umes 1) member( Interest ,ates do not 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 Mr outstand•ne bala.nea, loan type. APR. or current rnonu,1y ruyment. Sol'taxeludes the aboWI rafln.ane1n.p In an
effort to mexlmtZe tram.par ency oo hoW we calculate out monthtv &av.n~ amount and to minima-& the tlf>k of member d3t.a er tot 11-kewinc the
monthly HYlntl 111movnL
The 1nfor~tion oont&1ned ho rein 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• by ps1vat• S)lk<:m<mt momo,andum and r<tlatod
.,_,b$crfption docunw,nt$. which W\11 be ptO'lided to aee.redlted lnve.ston on• e<111fidonti.,I bet,!,$ •t their t~U&.$1 for th~i, conilde-tarion In
connocbon w;th such off01if1C. Investment in tho Socw1tics will mvolve 5llmficent ftSks. includ,ne tos.s of plincipal. The Securities will havo
limrt-1 l,q_u1d1ty opt1Qn$, u tM,• •• a hm11.0 ~•ry m.1,ket fQr tti. S.Cu11lJ111*-N~ QI ii,. mfQrma11Qn c»nla·n4M:I 1n lf'M* wflbs1(• ,ei.aM •* a
recommenc;fatlon for 1n11081ment fn anysecurmes.. Teshmon~1, may no, be reprei.entati\le of tNll experience of orher inVEtato,a aod liHfJ not
Indicative of future performance or aucccss. Sof+ is not affihatod with or officialty endo1M>d by arvy li:ttod univertitics..
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 invest ln &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 UC l"'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 eon SUit wtth their tall acvi$0t'.$ reprd.nc •ny pot&ntlAl
lnvc1tment.
TM COftlent 1s not Intended to be used as a ceneral cu Ide 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 off Cf to s.cll nor a sohcrtation of eo offer to buy anysecunt.os. --o.ct.lcsted pcrforrranccaNO'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 ad Ji.mod to r•Roct tho r<t1nwstmcn1 of d1VKUtnd1 and olhe, tneom@ 10 robalanc:-e tha pord'olio and 110 prncntod ncit-of
ffft. u d•ac:11ba<S beiOW. No c•sh btl• nce or c:11-h now ti lncllJde<t 1n, the c11c:u1at10rn.
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~ ,,turns pr• .sented. Certftlr,
auumptk)nis h<1Ye been made fo, model inc 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~s C)f0$Cntilfd 1.111111 a"'"" of ETra that fo!Jowa ~t of 111lvs of 0Wn<l'rsh1p th1111n: hold CONt.ant 1f11t<11dl01s of market concMLOIU •net that mlrro, h01d1np eurre-ntty m,.ntaJned 1n the Sof"r Wealth model portfOllos.. An, Important characterls11e or an Index
fund i, that It$ rules of ownooh•p are not btscd on a forocHt of $hor\- torm events. Thcrefo,o. an 1t'W0$tmcnt :stritegy that is 1im1tod to the
buY1n1 and tobtlanc:m1 ol t po1Uol10 of index lul'lds ,t oll•n rO'f<m.d to h i;,tui,..• m~SllllC, at oppc:,$od to •ctJvt 111v.,..tme, $1mulalod indux data Is based on the performance of live FTF's.
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 of eaeh month. In 11etu11I Sofi pon:foliOs.
r,eb1laoc:1ne;ocxv1s •t no&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 Sofi Wealth 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 bt l&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.1bil1tyff not
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 1M aeeurrues used in the Sof"J tncHces were rw>t available du11ne the tJme period p«esente<t.
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 Ind ox.
~lor•nc•• to ma,ket Of eomp011ta Kldic:u. benchmarks o, olhii, RMHure1 of r11l1lJn mark•t i::,wrforman<=• ow,• 1~1lted p,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
re tum 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 "-t of 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<fy. Althou~h index mutu.at hinds minimlle tax It.abilities from ahort anc:Uon1r1erm ~p1ral ealns, any
retult.ine tax liabih1y is n01 deducted from perfo,mcmce Ut!ll.dta. Performance results ako do not ,ofll!Ct tnmsactiln fees and other expenses..
Whleh reduce retunu. Perform..anc• re,uns auurne.1 the reinvestment Of dMdand.1, Int a rest Mid oth• r eamlnes and a,a tl~l&hl.cll b.lM<I or\
monthty ponfoliovaluat.Ons for all l)erk>ds
Tii. volattllty ot a beneM'\lrk l,ndax fflJY ~ mate11a11y d 1ttarent rrom IN lndtvidtJJI Pfrforrrunee attaln,e<t t:,y a 1.~1161: 1nveit0t. In Kld1tl()n,
atrat91:Y ho4dir,eg maydl tte, si&mftcantty from the secunt1ea th3tc;:omp,lae the index. The index ha11, not been &et,ctad to feJ>fe&ent an
•PPt'oP1111t• bc:nchma1t-. with which lo compa,o an 1n11c:stor't pc,rro,mancv, but rathvr 1s <11selosod to allow-fOf C<:mpa11son of lht Soft lndt~s·
pertonnanco to tl'lat ot c;.,nain well-known 11,w:t WIClety ,eeoc;ni:red lnde-it. Yoo cannot lnVe:st directly U\ an 1ndev.
Key-
iilifrf§ijf ·• us
Developed Ex US
EM Equity
us Energy
REIT
EMUSO
Inflation Linked
Trca~ury
Short Duration
Treasury
lntermedllte Treasury
Intermediate Corp
Shon: Term Corp
Barclays High Yleld
Short Term HY
Short Te1m Inv Munl
Inv Munl
High Ylekt Muni
1-3 Month 8111
.....
35%
25%
30%
5%
5%
45%
10%
15%
0%
0"/4
5%
0%
0%
0%
0%
5%
S%
15%
0%
0%
0%
0"/4
Mooeratefy
AggressJV.e -30%
5%
10%
0%
0%
10%
0%
0%
0%
7%
10%
10%
18%
0%
0%
0%
0%
25%
0%
5%
0%
0%
15%
0%
0%
5%
Moderatefy
Conservatrva
17.50%
10%
S%
17.50%
0%
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<Md fund:1([Tfa)
-S%
5%
70%
10%
10%
0%
0%
0%
0%
0%
0%
ETh are o~~nd lnvo1tment com pa nut$. unit inve,tment trmtt or depository rec;elpt, thllt hold polTfohos of scoc:h. commodittt,1111nd/or
currcncic1 that commonly are dosien,od. befo,o oxponsos. to closely track the pcrfc:wmanca and d1vidond yickt of (i) a spticific lndox. (ii) a
b•P•t ol siteu,,1,.., cornmod1t1•• or cuu.ioc:•s. C)( (ul) • pa,rticula, commQd,ty 01 cu,r~ncy. lhlt typ,ts ot 1ndic41scommonly sout,:hi to be
r•pr11eated by ETfs moR often molude domestic oquny indtcos, fixed income mdlces, &.eetor Wldiic~ and foHt gnor +nternat1onal indtcN. fTF 1hanr11 a,u uaded onoxchaf11C1 and ,110 lllldod ar1<:1 JMieod lhrovctioul thO lradlfliday. ETFs pcrmrtan 1nV1nlor to purchatu • w111nc intonnt,n • portfoltoot uoch th1ou~1 tM rr.sdtncday. S.Cwse ETft1 trade on ,n eiccPIA~. tMY m•y not tnKl4' •1 NA.V.SometlffleS. ow, p,icesot rns mav vary 1ien1fieantly from the NAV, of tM ETFs' underly,ng s.ecunt-.. Addftionally. ff an fn1testor dec"1M to tedeem fTF sh.1fes rathef than
wll,,- lhem on • 5'.-cond• ry mark11tL the tn....,ilor m.ay rvcoJVQ the Mndorfvme: scc1.n1li01 whrch nNtl bo sold in or cur lo obU1in caMi.
tqu,w
l;qu,ty seeunues lrw::l'Udt!I common atoeks. p,eterred &toe.kl, eonVflr'(lble aeeurttJe,.s and mut\l.al tunds that invest 11111\ese seeun11et. {qutty
market's can bo volati1o. Stoek prK:es nse and f• II biised on chances 1n an 1ndfVidoal company's financial conditton and overall mark.et
CQOd11JQnt,.. StQCk pric.., 1;,11n ~l111i11 a1gn1h,;•ntly m 1•1-po.1111• 10 ~-.,11,Mjl maik•t c¢nddtOO$,, eomp•ny...,p,tc;:1hc: -.nt1.. and othtiir domit11t111;: •nd
lnt.emauonal pol1ticar and economic developments..
hx-91ne~
Fixed income secuotles inciude corp0fats bonds,. munlCipal bonds. other debt in1trumen1, and mutual funds th.:t 1nve1t in the&e &eet1rldes.
Issuers i:<menlty pay a fuu11d. 'n11able. or flOltmf interest rate. end must ropey the •mount borrowed at maturrty.Some debt mstruments. such
as 1efo,.coupon bOndl. dO noc pay current 1nte, .. t. OOt are SOid at a dtteount from their face valu.. Prices ot Uxtd Income secur,oes cener,uy
de,cl,oewhen lntltfMt ,atM riS@. and 1iu, when intsr911. rates fall longM•te«n debt and zero-coupon bood'I are lll0f9 M1n• tt1'1e to intereit rats
chane(rll lh11n dO>bt mstrumwta Wllh shortvr m.1turitiff.
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 1ucurilln 1oceJVO 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• consider ad lo hav• a W.tY 1tronc capacaty to pa'f pnnc1pal al1CI
lntsr~,1. Investment gr ado 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<klrad to haw. acklquate capa,city 10 pay principal and interest althoud'I ttwv also have spGC:ulatNe
CNract• ,1shc:L Low~ rat.-d debt HC:urd,... •1• mor• l,k .. y to be ~•••ly alhtet..:t by etuin;:M in .-oonomic ecnd,hons th,.n hist-• rat4td debt
securities.
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 <:fed Ito,. 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, Fan rue Mae}.
lnt01Mllontl Scc:urttJC'I lnte.ma11oru11 1nves1~n1e involve 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$. The cost.s of lnvestmg In wme foreten markeu may be h,ehe1 than lnves1me in domestic
markets. Investments tn fore"" securities also are wbjeet tocutceriey fluctuations.
Dt<ntions
Asset Cius I.I • st1n<:1.11d term th.at broldtydef•ne• • e.ater.ory of Investment&. The tl'Vff b• tk! suet claues •r• C•th. 9ond.s (foced 1neorne). 1nd
Stocki (equity). Bonds and Stocks are often run her 1ubd1Yldsd Joto more n3r1owiy defined classes. Some of the most 00mmoo uset clane-s are
dcrfinod below.
Ca&.h and ca~h Alternatives
Ca5h lYPtCillly includes t..nk a,ccovnta or c.rtificatln of d•poiit, whieh ar• insured by m. Fedora I 0.posit lnsur;nc. C<>rporatiOn 11p to I l1m1t
per aeCOtJnt. C•!Sh A1ten,.einves tyJ)leally 1neJude money m.,111:et ae-eumio.. U.S. ttONury b1IJ.&.,1ntJ other 1nv•utrrv,ue tMt .110 ,eaolly eonvert1Ne
tocash.havo a ,t1blcmarket valoo, a,w;t a very$hort tcrmmat\rnty. U.S. Tro.aSi.lrybilts are b-Kkod by tMfult fa,tfland croct.toftho U.S..
C3o-Hlmment and.. when held lo m.atuuty. provide ufety of pnnc1peL (See the "Rl1ks lnhe1ent tn lnvesuner MC\10r m Un lml)Oftanl Ot1closuro
tnto,mation for• summ.ary of 1he rtsk• •$$0Cl11tod with i~&tl"C' in. e•sh alte,n,nves.)
ilond, 8ond• a,e elthet" domes1ic tu.SJ or l,10bal debt 1$9CUrrt,es i1su~d by either pnv~te CQrpot.thC:lfl$ 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•L 1
Domenic eovernme-nt bond, are backed by th$ fult fat th 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<te 90 appro>1lmato term to
maumty of 1 lo 5 yo.au: 1111er,rra<:h1tcMetm bond• hi Ye an app,oxamato lOrm to maturity of 5 to 10 vo•rs: and. kin1-t•rm bOndt haw 111
awoxtrnat• t•rm to maturity ere11t er than JO years.
Stock a 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 ~nlJH of 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 &rut er market voJ.1t1lity than
1tocks of com~nttrt w1lh la,ecr capdahzation. Small cap docks ate pn(tially thot• from com~fllln whos• capitall.uit1on II ktss t hanSSOO
m1u1on. mid cap ttock, thole bOtwoftn S.500 million and S5 blll10n..anc1 large cap over $5 bllllOft.
Lari1' cap, m1d cap and 1m111I cap may bo lurlher svb d1v1dod 1nto ·'7owth· and ·va1uo· calVSottOS. Growth companws arc thoff with an
onent•tton tow:1111ds ,rowtb., otton et\araetor~Od t,; commonly l.l$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. ~•tine: 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 1utonutltd eJeartne_
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) .u mllCllllanoou1 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 So Fi 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 mm mum
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<trvt-cff lllrt ptOVlded to clients Of Sorl Wealth LLC by SoF, $ecurttHH UC. an aN1llated t,,ok•r-delllef r1f!11tere<t wrth the Se«trirlel Ind txcMnP!•
Commls.slon aod a momberol FlNRAISIPC. lrivestmMta aro not FOtC lnwred. ha"'e Mo Guafantee and May l cxe Valuo. lnvestlni: 1n cecurltlM
1fl"ll'Ofvos ns.b. and lhc:ro .s a My• 1M potont~l of losine monovwhon vo., invest in ,c,curr1..1va. Ck:1mnc: and C\IUodV of •11 •ucuti\ivt ia,u l)fOVtdod
b't APEX Clear!~ Corpcranon.
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.mtMr Rate 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 an<I 12131no16. The uv,ni:s ca1Culii1t1Qf'l 1s denved by ta,leine t he lrfet1me c0&t of Sofi I03n& m1ooi the hfetirne OCl6t of Sofi biM
a11um1nr. a 0.12S'Y. discount. TM UYi"£'1 caleutanon 1uurnes • ri awr•ge rate of 9.71"'-APR an av•rap t•rm of 67.'o/ months. and an ave rap
balln,co-$3.l..9M. SoF'i's lifetime saW\p methodofoey for personal to1n3 assume-, 1) members' lnto,o$t rates do net chaf\eo over time
IPROJEC110NS FORVAR1ABI£ RATES AA£ STA11CATll£ TIMEOf REANAHaNG AH>OONOT REfl£CT ACl\JAI. ~ Of RATES IN -1111;: 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 $659 for Sof'1 StUOOn\ Loans,,_ b4w-d on all SoF", mcmbcns wtlo tof'INlncc:<i thou studo-n1
loans t>etween Vl/2016 and lVJl/2016. Tl'lo savlnp calculation 11 dorrved byt1k1nctM ldohmeco11 of SoF"1loarw1mlrw&U'le lifetime cost of Sol-I
loaM a™Jmine a 0.125% discount The s.avin1:aca1Culatl0ft aswmes an aver•&e t.ate of ~ APR. an a1,1er~e te,m of 137.AJ month5. .1nd an
avv1at9 bal1nco S1 IA.9!.. SoFfs lllvt1mo nv1ne, me\hodOloeY tor 1tud~nt I011n nitmilhClnl a1P11Tlft 1l mombo,s' ,11to,ctsl ,at.-, do nOt cbtnto
nverttmo(l>R01-clJONSl·ORVARII\IJl.(Rl\lLS~Si"AllCAT ll€ UMCOf"~I\NOOONOI Rl,J'U.Cr AClUl\l..MOYIMaN( oF
RATISINTI-ERIT1JREJ2) mcmbe1&M11lco •U pe'(Mentton t1mo 3)members make MOnthlyp,eYft'Ktnta tot tho-full dvtatlon Of t001rl0an 4)
mambs~ tak• ad van tap-of Autof'ay, whJC"h 111n1bl•1 them to tow.r th• APft of thilu ban by 0.2$%.
M•mber Dally savings:
Averap da,tv uv1ncsca1eu1a11onof $91.1 baaed on a11 Sof:1 rnem.ber1 WP\o reti.nanced 11'1e1, stlJOflnt loaru between 8/16/2012 and6/J0/10l6. The
calcu1abon is de11Ved bV avc-raeine: the mohthly MYln&a of SoFi mom~,s. which is c•leulated by t•it.n& tho monthly student loen payf'ncnta pn01
to relm.1ne:1nc: minus. th9 monthtv ll~nl loan payments 1lht1 r•lmanc-111~ with Soft. and U.n l•kmi thf-da1[y a......-at• of that moolhly 1-1v1np,
SoFi'&dailyuvlnp methodokJeyforstudont loonte,fiMnc1ne a~umeg I) members't11re1eat ratesdOnot chan~over tune IPROJECTIONSFOR
VARIABL.E RATES ARE STATIC AT THE TIME OF RE~.MO 00 NOTRER£CT ACTUALMCMMEKT Of RATES IHTHE FlmM) 2)
m•mt..rs. m111k.t, ,ill p,iyrrMJn1- on tlfn(J. S(,f",._ d•1Jy -.,vmp. mttU,odOlor.v IQC stl,M;t..,t to.in ,ehn111nc1n«111xclvd•• ••t~ni::int,s. 1n whl(:h I) 1TMITT1b.11.
e'9Ct a Soft loan with• &hortet tom, th.afl their prior atudent loan tetm(s) 2) the term 1enett, of the, SoF1 member'ap,rkw atudent toao(s) W.1$
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 member data 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 $120.509,138 Is tor Sol'I retorrecl member a Who l\ad tl'lelr etudent o, s;o,rent plus loar14 rehMncod
between 711712013- 1n7l'2017. Sofi'$ Met•me nv1og5 mefhodoloevto, student IOan refinaoc•ngas$lJine& t) member.s• lfltere1t r.atesdonot
c:hang• ovor time CPRoJI.C'l IONS I-OR VARIABU: RA n.s.ARI: Sl AllC AT1~ IM 01-REflNANCING MEDO NO I REH.I.Cl ACl UAL
MOV(MFN'l'Of" RAl'J's IN 'I'll( rune)i, member& ffl.$ke au payme,ns on time 3) membeltt make monthly payrnMts ror tl'\e Juli duranon 01
tha1r loan 4) mom bore 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 1n additlOl\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 $88.« is beSOd on ••I of SoRt Employer ContnbutJOn Proeram partner• who
ha~ otter..-1 • monthly contr,buhon betw.•11 Srll/1018 and 4/5/2017, Sal'."1,t.MII ,.. a SMrt,c,panl in thti [rr,pioy.r Conh,butlOn Prof!um,. r~ celculatloo I• de-rived by a't'era;fng the mcxnhfy conuibutlon amount ottered to each eruoflee fOf ~.-ch employer. the-fl av91'aglrc all of the vmployt:tr'a fflOflthly conu1blltJOn a.moun\$. Sofi"s IIV'""11K$ 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.$56.94 •• based on .1111 Qt Sorn, (mplOyer Conmbution P'r0£ffim ~rtne•• wl'IO l'l.llvo
offered a monthty contribution between 5113/2016 Jncl 4/5/2017, Sof'I ,u.eff" • pamcip.ant ,n the Eml)N)Yer Coot11but100 Proe,am. The
cak:ulat,on is <kt11vcd by summmg U. contnbultOm allo1od to each vnro~ •m~ lho1r orvollmont 1n lhcm c-mployvr's pr01t1m.
A\lefa&'O Enrolco ~ Yoers Aodruood Avo1a19 un10lln ,•paymvnt vo-ar110<!ucod c:~k:ulabon or J.80 11 bnod on all oml)by,o¥1 ol Sof,•, Em~oyu, Cortnbullon Proeram ~1tnor1 wbo
received COf'ltrtbutions betwMn 5/tl/20l6 and 4/~1/ Sort ttsett 1.1 a pan1e1pant fn the (mployet Contrabt.Jllon i>ro,cram. The ,epayment years
toduced calcul,tion i, derivad by ta kine the Mtimatod years of repayment for the entoilee't cXistine student loan Without the employer
o;intnbuho11 rn,nut, n,-y,,a,,or tlllp.Jymo,nt or ,..x,shn,i,; ,t~l ~ w,lh I~ •mpl(,yl,r"s t:onh1bulio11 •dd.-d •• •11 •<k;:hbon•I pavrn-:nt li'aeh
month. Sofi"o repayment years reduced me(hodoloev for 11.s Employer Contribution Program auumes.:: 1) dat;i enrered durine enrollment in the
contubution pr<>eram ra •ecurate: 2) iemo1Iees· intort,st ,ates do not than&:$ over t,mc CfROJECTIONSFORVARtMl..E RATES ARE STATIC ATTll: 11M( ()I" R(tJNANCINGAN') 00 NOT Rl.l UCT ACrUAl,.MOVfMtN'f Of: RAT(SIN JU .. n.tr\JRO; 1) _.uoll!M, rru.k• ,11 P•Y~"tl D11 t1rn.; 4)
enrollee• make their minlmum monthty paymen1 for the full du,at,on of their k>ffl; 5) employer contfibution 11 .applied to, the duration of the
<lnrolk:Nl's ban; and 8l on,oJloo ••mains emplOyod by tho company (Of lho duratt0n of theu loan, Soffa rc-paymc-rt voara roducod m•thOdOIOe'f
ro, 1tt E.mpSoyer Cont11bUt10n i>roe:ram eltell>de.s: 1} enrOl1ees trom emp\Qyo,a th~t dO not apply the eontr1bUt1on '°' tMt crvratlQn ot ttw,
onrollce't IOlln; 2) emolJoc, with loan torms of 25 yea11 or greater who ha"l'O a rcm.i;nine loen balance under -SG0,000: and 3)enr011oe,; wlth io.n
hmm lil'••to, than 30yeara.
LICENSES
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• •lt
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$Urr'\et Credit PiQtectioflAct. The federal aeoney that edm1n,:.te11 oul eomph.ance with these feckt1al l8'ws 1slhc ,:cde,al iu1de Cornmi»ion.
£qu.al C,~rt Opportunity, WHh,ngton., OC. 70580.
Ala bama
CoMumcr Crod1t ~MB No. 21S83
Arizona
SoF1 londm• Colp., 1O:J!> W. Qvoon C,Hk Rd St.9101 Ch•ndkrr, Al. 852480. Morteago Banke, l.ieunH #8K-09342rb;
californle
LJcenscd by tM De~rtmcntof Bu1,n¢S$Over$1iflt under tM c.tif01ni.e Rnan<:G lender law Uoonsc No. 605'61UNMLS # 1121636
Colorado
Motta:.aati Comp,liny R.9f:1a-lratron ~.so; 1m6:J6
conn.cncut
0.lawaro Lendor Liconso # :30278
Dls:trlct Of Columbia
Florida
Mortsa~ Lc.onder ServK:01 License# MLDIIOS
Goorgla
CeorlJl• Mottpp Lender Lteense No. 42010
Idaho
Illinois
m1no1s RH)denn1.1 Mor11aie UCeMH LM:•nsa No. MB..616106.J Deparm'IMlt of rm•ncfal and Professk>nal ReculaUOO DMsion of 8.ankine
100 West Ra,ndo,lph. 9th Aoor Chlea£()\. IL 6060131:i'-814--4500
Indiana
Maryland
Maryland ~p Lendflr Lieense I i 1ss~
MtnnHota
Montana
Lioenaed by 1he Monran,11 Ptv1s.1on ol 8-nking 11nd J'.a,m1C:ial IMtrt\lllON. Montolltta Mcrtg,,g& l.tln<lel ueense # 11211>36
Nevada
New Jersey
Now York
Licensed MOf'teaee B-anke1 - NYC Department of rm.ancl.a1 SeMCM Liceo&e Number 108933 - NMLS 112)636
North Carolina
North Dakota
MoneyB,Qker Ucenise No. M8102164
ore,gon
Or~eon Mort,aee, lend1ne Uoons«t # Ml-5418
P"nnsylvenla
Rhode Island
Rhode lsl.and l ender UCcnsc # 201S306$LL
Tann• ssee
i • nn.rn•o MOflC•lfl Lend inc L,cens. # 121518
Toxas
Con$umers Wist.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. 7601 N«th t.mar, Su11• 701, 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/JML TEXAS.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 ..cu of licensed res.denual moneaee loan 01111:11\ators. A written •PJMicltK>ll
ror reJmbUrs.ement rrom tM recovery tund mun be NIO<I w1th and 1nve.s.l11!3r0d by 11ie depertrnent pno, 10 the p,ryrnen1 Of II cL!llrn. fOf' fflOle
informat..oo about the fe<:Oll'ery fund, please con,ult Subch.aptef F of the MOftRaee-8rot:.e, lteens.e Aot on the dep,artment"t web et
WWW.SMLTEXAS.GOV.
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 of Rea1 Estate, Ulah-ORE M ortg-ee EntJty Ucenso-OtherTrade Name # 1 #9223125.
Uulh-ORE MortelC<I Brtinch Off«# 102!>3918
V•rmont
Lieen&od by the Vormont Sar,k1oe OiVIM()(I - Lender lic:C'nlC # 6705
Washington
Consumar Lotn Company LK:vnso Cl· 1121636
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
Wisconsin
-Wyoming
"""""" COMPANY
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100229069
1002\6955
321451
Questions? Call us for a free consultation at 855-456-7634
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I To~tN:!it~ltldtfff!'ldl't'Od<i,.....,lot.~•~•igfte.t04Jfliill~w.lMt•ftact~c,fOjk.Ql'it~.ifyci.iUl(IOSll.ap,M..-.1•ndoont -~~i-i,n ......... f1'Q .... 1)'0Cll'YIUtd.rrfOQlllror,,-ormo,•~
~~~•ti11~t1ardi:t.tcJR1NMd..,,,.n.tl~tnOl1
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Exhibit K
SoFi ::1
Get You r Rate
Tell Us about Your CuN·ent Loans
$ 2S,OCOOO 0
What type of loa n are y ou lookfog for?
Von lln.1:M;11;cr.alfy ~~ ICf"rtlf'r~ ~~towwtll<t'I htlldo ll\OA,.t'.c,pay Ots.count lO.:.!S'-) feu..v• noi ro-qllffli
Kl' 'Slgn1."0 rtf Au:cp...,..
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
Stied 7,y..:lf ')~4.60 4.000'4 S'2MJ6..t0 s.5.e.36 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% $:')S..A7 1 00 sooo
Sele-ct 20.~~ ! 173 74 !-,375~ S:1169HQ sooo
Vari:.ble Rate IO!Hl:"1 p:1ymet1t tochly
Mnnmty f6'1t1 J)a>j~!ll ln!elli(;l l8l(o Uli:'t.me0091
S.lec1 5,ye;w 1«S 78 2.440"- Ven-?~
s,,i.c, 7.-,.y 13266:> Z-.4JO't v,wcs
Solod 10.ytM' i2-4H.0 2'~40 '-l, Y.'lri!!S
~lecl 15,ye.:.r !179,52" ~315% ¼ lie:$
S.""1 20.yw.w -51-'!107 ,.., .. Vi.lries
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 '-
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Sl16 53
"'"' Ml.00
S4G S7
S110.75
5111 1.20
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