Disclosures & Disclaimers

“SoFi” is a registered trademark of Social Finance, Inc. SoFi is not affiliated with colleges and universities listed on SoFi.com. Colleges and universities listed on SoFi.com do not endorse, promote or recommend SoFi loan products.

Student Loan Refinancing:

1. Fixed rates from 3.350% APR to 7.125% APR (with AutoPay). Variable rates from 2.815% APR to 6.740% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.815% APR assumes current 1 month LIBOR rate of 1.24% plus 1.825% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score.

2. Member Lifetime Savings – Average member lifetime savings calculation of $22,359 is based on all SoFi members who refinanced their student loans between 8/16/2012 and 6/30/2016. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater than 30 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount.

2b. Total member lifetime savings calculation of $2.05B is based on all SoFi borrowers who refinanced their student loans between 8/16/2012 and 10/01/2017, which constitutes 59% of our borrower base as of 10/01/2017. Prior to refinancing, these borrowers had a balance of $7.6B and lifetime payment of $11.2B at a weighted average rate of 6.89%. After refinancing, these borrowers have a lifetime payment of $9.1B based on a weighted average of new rates received across both types (fixed and variable) and respective loan terms with AutoPay. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. Borrowers refinancing loans into longer terms typically forfeit savings for lower monthly payments.

2c. M.B.A. Degree Lifetime Savings – Lifetime savings calculation of $20,215 is based on all SoFi members with a MBA degree who refinanced their student loans between 8/16/2012 and 6/30/2016. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi MBA-degree members who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 30 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount.

M.B.A. Degree Monthly Savings – Monthly savings calculation of $248 is based on all SoFi members with a MBA degree who refinanced their student loans between 8/16/2012 and 6/30/2016. The calculation is derived by averaging the monthly savings of SoFi members with a MBA degree, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time. SoFi’s monthly savings methodology for student loan refinancing excludes refinancings in which 1) members elect a SoFi loan with a shorter term than their prior student loan term(s) 2) the term length of the SoFi member’s prior student loan(s) was shorter than 5 years or longer than 30 years 3) the SoFi member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our monthly savings amount and to minimize the risk of member data error skewing the monthly savings amount.

2d. Medical M.D. Lifetime Savings – Lifetime savings calculation of $44,282 is based on all SoFi members with a medical school degree (M.D.) who refinanced their student loans between 6/14/2013 and 6/30/2016. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi medical school degree (M.D.) members who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 30 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount.

2e. Pharmacist Lifetime Savings – Lifetime savings calculation of $28,660 is based on all SoFi members with a pharmacist degree who refinanced their student loans between 8/28/2013 and 6/30/2016. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi pharmacist degree members who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 30 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount.

Pharmacist Monthly Savings – Monthly savings calculation of $408 is based on all SoFi members with a pharmacist degree who refinanced their student loans between 2/28/2014 and 6/30/2016. The calculation is derived by averaging the monthly savings of SoFi members with a pharmacist degree, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time. SoFi’s monthly savings methodology for student loan refinancing excludes refinancings in which 1) members elect a SoFi loan with a shorter term than their prior student loan term(s) 2) the term length of the SoFi member’s prior student loan(s) was shorter than 5 years or longer than 30 years 3) the SoFi member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our monthly savings amount and to minimize the risk of member data error skewing the monthly savings amount.

2f. Member Monthly Savings – Average monthly savings calculation of $288 is based on all SoFi members who refinanced their student loans between 8/16/2012 and 6/30/2016. The calculation is derived by averaging the monthly savings of SoFi members, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time. SoFi’s monthly savings methodology for student loan refinancing excludes refinancings in which 1) members elect a SoFi loan with a shorter term than their prior student loan term(s) 2) the term length of the SoFi member’s prior student loan(s) was shorter than 5 years or longer than 30 years 3) the SoFi member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our monthly savings amount and to minimize the risk of member data error skewing the monthly savings amount.

3. If you lose your job through no fault of your own, you may apply for Unemployment Protection. SoFi will suspend your monthly SoFi loan payments and provide job placement assistance during your forbearance period. Interest will continue to accrue and will be added to your principal balance at the end of each forbearance period, to the extent permitted by applicable law. Benefits are offered in three month increments, and capped at 12 months, in aggregate, over the life of the loan. To be eligible for this assistance you must provide proof that you have applied for and are eligible for unemployment compensation, and you must actively work with our Career Advisory Group to look for new employment. If the loan is co-signed the unemployment protection applies where both the borrower and cosigner lose their job and meet conditions.

** SoFi is the leading student loan refinancing provider as of June 2017. The leading student loan refinancing provider is defined as the private lender that has refinanced the most student loan debt of citizens and permanent residents of the U.S., measured by dollar origination volume. Claim based on data reported in presale reports from rating agencies and annual reports of public companies.

Personal Loans:

4. If you lose your job through no fault of your own, you may apply for Unemployment Protection. SoFi will suspend your monthly SoFi loan payments and provide job placement assistance during your forbearance period. Interest will continue to accrue and will be added to your principal balance at the end of each forbearance period, to the extent permitted by applicable law. Benefits are offered in three month increments, and capped at 12 months, in aggregate, over the life of the loan. To be eligible for this assistance you must provide proof that you have applied for and are eligible for unemployment compensation, and you must actively work with our Career Advisory Group to look for new employment.

5. Fixed rates from 5.49% APR to 14.24% APR (with AutoPay). Variable rates from 5.19% APR to 11.34% APR (with AutoPay). SoFi rate ranges are current as of June 1, 2017 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, years of professional experience, income and other factors. See APR examples and terms. Interest rates on variable rate loans are capped at 14.95%. Lowest variable rate of 5.19% APR assumes current 1-month LIBOR rate of 1.24% plus 4.20% margin minus 0.25% AutoPay discount. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull. See Consumer Licenses.

6. Rate ranges for Lending Club and Discover are based on data compiled in October 2016 from company websites. Average credit card rates as of 10/17/16 from CreditCards.com for all categories of cards.

Individual results vary. 82% of people who used their SoFi Personal Loan to consolidate $10,000+ of credit card debt saw their FICO scores increase an average of 17 points within 2 months. Average FICO score increases are based on funded members from November through December 2016. Increase was computed by comparing reported Version 8 FICO scores at the time of application against the same scores on January 18, 2017.

SoFi Personal Loan borrowers reduced their interest rate by 42% on average, based on a survey of 1020 SoFi borrowers who took out a Personal Loan to pay off credit cards between January and February 2017.

Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website on credit.

Calculations based on a 5-year SoFi Personal Loan with lowest available fixed rate with AutoPay of 6.95% APR. Credit card calculation assumes 5-year repayment of $35,000 credit card balance with interest rate of 15.99% APR. Both Calculations assume 60 total monthly payments, and no pre-payment amounts.

Every 6 Minutes: Claim based on 47,159 SoFi Personal Loan borrowers who used the loan to pay off credit card debt between 1/1/17 and 9/30/17.

PRESCREEN AND OPT-OUT NOTICE: You received this “prescreened” offer of credit because we used information from your credit report to determine that you satisfied certain criteria. This offer is not guaranteed if you do not meet our additional underwriting criteria. However, if you do not want to receive prescreened offers of credit from us and other companies, you may exercise the right to not be included on prescreened lists by calling the consumer reporting agencies toll-free at 1-888-5-OPTOUT (1-888-5-8688); or writing to: Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123, TransUnion, Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505, Experian Consumer Opt Out, P.O. Box 919, Allen, TX 75013.

Mortgages:

*SoFi mortgage eligibility and state license details. NMLS #1121636

Parent Loans:

7. Fixed rates from 4.250% APR to 8.000% APR (with Autopay). Variable rates starting from 3.690% APR to 7.115% APR (with AutoPay), capped at 9.95% APR. Choose from available terms. If approved for a loan, the fixed or variable interest rate offered will depend on the borrower’s creditworthiness and the term of the loan, and will be within the ranges of rates listed above. Lowest rates are reserved for the best borrowers. For the SoFi variable rate product, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and changed monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% Autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score.

8. Explore federal loans and compare to ensure you understand the terms and features. Federal Parent PLUS loans offer graduated repayment plans and deferment benefits, which other student loans are not required to provide. Federal Parent PLUS loans have origination fees and the fixed interest rate for Parent PLUS Loans made from July 1, 2015 through June 30, 2016 is 6.31% per annum. The SoFi Parent Loan is an immediate repayment loan and there is no deferment while your child or dependent is in school.

The interest rate for Direct PLUS Loans first disbursed on or after July 1, 2017, and before July 1, 2018, is 7%. The origination fee (“Loan Fee”) for Direct PLUS Loans disbursed on or after October 1, 2016, and before October 1, 2017, is 4.276%. More information can be found at https://www.studentaid.ed.gov/sa/types/loans/plus.

SoFi Parent Loan Member Lifetime Savings – The savings calculation of $3,637 compares the estimated lifetime cost of a SoFi Parent Loan with the estimated lifetime cost of a Federal Direct Parent PLUS loan. The SoFi Parent Loan lifetime cost estimation uses an APR of 5.849%, loan amount of $28,084, and a 10 year loan term. The Federal Direct Parent PLUS lifetime cost estimation uses an interest rate of 7%, origination fee (“Loan Fee”) of 4.276%, loan amount of $28,084, and a 10 year loan term. The lifetime savings methodology for SoFi Parent Loans assumes 1) members make monthly payments on time for the full duration of their SoFi Parent Loan; and 2) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. Actual savings may vary depending on your unique situation and the interest rate you qualify for. Federal Direct Parent PLUS Loan rate and fee information can be found online at www.studentaid.ed.gov/sa/types/loans/plus.

MBA Loans:

9. For the SoFi variable rate product, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and changed monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See representative APR examples. Explore federal loans and compare to ensure you understand the terms and features. Federal loans offer graduated repayment plans, income contingent repayment options, and deferment benefits, which other student loans are not required to provide.

Entrepreneur Program:

10. Any unpaid interest will be capitalized and added to your principal balance at the end of the deferment period. Maximum deferment period is six months.

Campus Relations:

11. The Financial Education Awareness Council (FEAC) is a group of experienced and passionate financial aid administrators that have volunteered to assist SoFi with our financial education efforts. Their participation in FEAC does not imply any endorsement or recommendation of SoFi on behalf of their schools. None of the FEAC representatives are compensated by SoFi. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score.

Parent PLUS Refinancing:

12. Fixed rates from 3.350% APR to 6.750% APR (with AutoPay). Variable rates from 2.815% APR to 6.490% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.815% APR assumes current 1 month LIBOR rate of 1.24% plus 1.825% margin minus 0.25% autopay discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Unlike Federal Parent PLUS loans, the SoFi Parent Loan is not discharged in the event of death or permanent disability of the borrower or the student on whose behalf the loan is taken out.

School Savings:

13. UCLA Member Lifetime Savings – Lifetime savings calculation is based on all SoFi members that graduated from UCLA who refinanced their student loans between 7/1/15 and 6/30/16. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members that graduated from UCLA who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 25 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount. UCLA is not affiliated with and does not endorse, promote, or sponsor educational loans made by SoFi Lending Corp.

14. UCLA Member Monthly Savings – Monthly savings calculation is based on all SoFi members that graduated from UCLA who refinanced their student loans between 7/1/15 and 6/30/16. The calculation is derived by averaging the monthly savings of SoFi members that graduated from UCLA, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time. SoFi’s monthly savings methodology for student loan refinancing excludes refinancings in which 1) members elect a SoFi loan with a shorter term than their prior student loan term(s) 2) the term length of the SoFi member’s prior student loan(s) was shorter than 5 years or longer than 25 years 3) the SoFi member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our monthly savings amount and to minimize the risk of member data error skewing the monthly savings amount.

15. Duke Member Lifetime Savings – Lifetime savings calculation is based on all SoFi members that graduated from Duke who refinanced their student loans between 7/1/15 and 6/30/16. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members that graduated from Duke who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 25 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount.

16. Duke Member Monthly Savings – Monthly savings calculation is based on all SoFi members that graduated from Duke who refinanced their student loans between 7/1/15 and 6/30/16. The calculation is derived by averaging the monthly savings of SoFi members that graduated from Duke, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time. SoFi’s monthly savings methodology for student loan refinancing excludes refinancings in which 1) members elect a SoFi loan with a shorter term than their prior student loan term(s) 2) the term length of the SoFi member’s prior student loan(s) was shorter than 5 years or longer than 25 years 3) the SoFi member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our monthly savings amount and to minimize the risk of member data error skewing the monthly savings amount.

17. Rutgers Member Lifetime Savings – Lifetime savings calculation is based on all SoFi members that graduated from Rutgers who refinanced their student loans between 7/1/15 and 6/30/16. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members that graduated from Rutgers who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 25 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount.

18. Rutgers Member Monthly Savings – Monthly savings calculation is based on all SoFi members that graduated from Rutgers who refinanced their student loans between 7/1/15 and 6/30/16. The calculation is derived by averaging the monthly savings of SoFi members that graduated from Rutgers, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time. SoFi’s monthly savings methodology for student loan refinancing excludes refinancings in which 1) members elect a SoFi loan with a shorter term than their prior student loan term(s) 2) the term length of the SoFi member’s prior student loan(s) was shorter than 5 years or longer than 25 years 3) the SoFi member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our monthly savings amount and to minimize the risk of member data error skewing the monthly savings amount.

19. Texas Member Lifetime Savings – Lifetime savings calculation is based on all SoFi members that graduated from the University of Texas at Austin who refinanced their student loans between 7/1/15 and 6/30/16. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members that graduated from the University of Texas at Austin who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 25 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount.

20. Texas Member Monthly Savings – Monthly savings calculation is based on all SoFi members that graduated from the University of Texas at Austin who refinanced their student loans between 7/1/15 and 6/30/16. The calculation is derived by averaging the monthly savings of SoFi members that graduated from the University of Texas at Austin, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time. SoFi’s monthly savings methodology for student loan refinancing excludes refinancings in which 1) members elect a SoFi loan with a shorter term than their prior student loan term(s) 2) the term length of the SoFi member’s prior student loan(s) was shorter than 5 years or longer than 25 years 3) the SoFi member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our monthly savings amount and to minimize the risk of member data error skewing the monthly savings amount.

21. Florida Member Lifetime Savings – Lifetime savings calculation is based on all SoFi members that graduated from the University of Florida at Gainesville who refinanced their student loans between 7/1/15 and 6/30/16. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members that graduated from the University of Florida at Gainesville who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 25 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount. The University of Florida is not affiliated with and does not endorse, promote, or sponsor educational loans made by SoFi Lending Corp.

22. Florida Member Monthly Savings – Monthly savings calculation is based on all SoFi members that graduated from the University of Florida at Gainesville who refinanced their student loans between 7/1/15 and 6/30/16. The calculation is derived by averaging the monthly savings of SoFi members that graduated from the University of Florida at Gainesville, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time. SoFi’s monthly savings methodology for student loan refinancing excludes refinancings in which 1) members elect a SoFi loan with a shorter term than their prior student loan term(s) 2) the term length of the SoFi member’s prior student loan(s) was shorter than 5 years or longer than 25 years 3) the SoFi member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our monthly savings amount and to minimize the risk of member data error skewing the monthly savings amount.

23. University of Michigan Member Lifetime Savings – Lifetime savings calculation is based on all SoFi members that graduated from the University of Michigan at Ann Arbor who refinanced their student loans between 7/1/15 and 6/30/16. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members that graduated from University of Michigan at Ann Arbor who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 25 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount. The University of Michigan is not affiliated with and does not endorse, promote, or sponsor educational loans made by SoFi Lending Corp.

24. Michigan Member Monthly Savings – Monthly savings calculation is based on all SoFi members that graduated from University of Michigan at Ann Arbor who refinanced their student loans between 7/1/15 and 6/30/16. The calculation is derived by averaging the monthly savings of SoFi members that graduated from the University of Michigan at Ann Arbor, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time. SoFi’s monthly savings methodology for student loan refinancing excludes refinancings in which 1) members elect a SoFi loan with a shorter term than their prior student loan term(s) 2) the term length of the SoFi member’s prior student loan(s) was shorter than 5 years or longer than 25 years 3) the SoFi member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our monthly savings amount and to minimize the risk of member data error skewing the monthly savings amount.

University of North Carolina Member Lifetime Savings – Lifetime savings calculation is based on all SoFi members that graduated from University of North Carolina who refinanced their student loans between 7/1/15 and 6/30/16. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members that graduated from University of North Carolina who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 25 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount. The University of North Carolina is not affiliated with and does not endorse, promote, or sponsor educational loans made by SoFi Lending Corp.

University of Wisconsin Member Lifetime Savings – Lifetime savings calculation is based on all SoFi members that graduated from University of Wisconsin who refinanced their student loans between 7/1/15 and 6/30/16. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members that graduated from The University of Wisconsin who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 25 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount. The University of Wisconsin is not affiliated with and does not endorse, promote, or sponsor educational loans made by SoFi Lending Corp.

Baylor University Member Lifetime Savings – Lifetime savings calculation is based on all SoFi members that graduated from Baylor University who refinanced their student loans between 7/1/15 and 6/30/16. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members that graduated from Baylor University who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 25 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount. Baylor University is not affiliated with and does not endorse, promote, or sponsor educational loans made by SoFi Lending Corp.

Gonzaga University Member Lifetime Savings – Lifetime savings calculation is based on all SoFi members that graduated from Gonzaga University who refinanced their student loans between 7/1/15 and 6/30/16. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members that graduated from Gonzaga University who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 25 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount. Gonzaga University is not affiliated with and does not endorse, promote, or sponsor educational loans made by SoFi Lending Corp.

West Virginia University Member Lifetime Savings – Lifetime savings calculation is based on all SoFi members that graduated from West Virginia University who refinanced their student loans between 7/1/15 and 6/30/16. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members that graduated from West Virginia University who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 25 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount. West Virginia University is not affiliated with and does not endorse, promote, or sponsor educational loans made by SoFi Lending Corp.

Xavier University Member Lifetime Savings – Lifetime savings calculation is based on all SoFi members that graduated from Xavier University who refinanced their student loans between 7/1/15 and 6/30/16. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members that graduated from Xavier University who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 25 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount. Xavier University is not affiliated with and does not endorse, promote, or sponsor educational loans made by SoFi Lending Corp.

The University of Arizona Member Lifetime Savings – Lifetime savings calculation is based on all SoFi members that graduated from The University of Arizona who refinanced their student loans between 7/1/15 and 6/30/16. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members that graduated from The University of Arizona who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 25 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount. The University of Arizona is not affiliated with and does not endorse, promote, or sponsor educational loans made by SoFi Lending Corp.

The University of Kansas Member Lifetime Savings – Lifetime savings calculation is based on all SoFi members that graduated from The University of Kansas who refinanced their student loans between 7/1/15 and 6/30/16. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members that graduated from The University of Kansas who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 25 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount. The University of Kansas is not affiliated with and does not endorse, promote, or sponsor educational loans made by SoFi Lending Corp.

Purdue University Member Lifetime Savings –Lifetime savings calculation is based on all SoFi members that graduated from Purdue University who refinanced their student loans between 7/1/15 and 6/30/16. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members that graduated from Purdue University who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 25 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount. Purdue University is not affiliated with and does not endorse, promote, or sponsor educational loans made by SoFi Lending Corp.

University of Oregon Member Lifetime Savings – Lifetime savings calculation is based on all SoFi members that graduated from the University of Oregon who refinanced their student loans between 7/1/15 and 6/30/16. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members that graduated from the University of Oregon who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 25 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount. The University of Oregon is not affiliated with and does not endorse, promote, or sponsor educational loans made by SoFi Lending Corp.

The University of South Carolina Member Lifetime Savings – Lifetime savings calculation is based on all SoFi members that graduated from University of South Carolina who refinanced their student loans between 7/1/15 and 6/30/16. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members that graduated from University of South Carolina who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 25 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount. The University of South Carolina is not affiliated with and does not endorse, promote, or sponsor educational loans made by SoFi Lending Corp.

Butler University Member Lifetime Savings – Lifetime savings calculation is based on all SoFi members that graduated from Butler University who refinanced their student loans between 7/1/15 and 6/30/16. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members that graduated from Butler University who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 25 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount. Butler University is not affiliated with and does not endorse, promote, or sponsor educational loans made by SoFi Lending Corp.

University of Kentucky Member Lifetime Savings – Lifetime savings calculation is based on all SoFi members that graduated from University of Kentucky who refinanced their student loans between 7/1/15 and 6/30/16. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi members that graduated from University of Kentucky who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 25 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount. The University of Kentucky is not affiliated with and does not endorse, promote, or sponsor educational loans made by SoFi Lending Corp.

Degree-Specific Metrics

Average number and amount of loans refinanced by degree type is based on member-submitted degree information and includes loans funded between 08/16/2012 and 04/03/2017.

Degree Type Avg. Amount Refinanced # Loans Refinanced
Undergraduates $48,281 50,250
Dental $199,939 3,083
Pharmacy $105,696 4,858
Law $100,689 17,581
Nursing $85,675 9,963
MBA $70,071 20,142
Engineering $50,680 4,071
Math $50,384 611
Medicine – M.D. & D.O. $178,706 10,158
Medicine – DO $213,948 2,081
Medicine – MD $169,626 8,077

M.D. and D.O. Savings:

M.D. and D.O. Lifetime Savings – Lifetime savings calculation of $46,086 is based on all SoFi members with an M.D. or D.O. degree who refinanced their student loans between 06/14/2013 and 06/30/2016. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi M.D. and D.O. degree members who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 30 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. 4) loans with terms over 25 years if the reported balance is under $60k. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount.

M.D. and D.O. Monthly Savings – Monthly savings calculation of $610 is based on all SoFi members with an M.D. or D.O. degree who refinanced their student loans between 10/25/2013 and 06/30/2017. The calculation is derived by averaging the monthly savings of SoFi members with an M.D. or D.O. degree, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time. SoFi’s monthly savings methodology for student loan refinancing excludes refinancings in which 1) members elect a SoFi loan with a shorter term than their prior student loan term(s) 2) the term length of the SoFi member’s prior student loan(s) was shorter than 5 years or longer than 30 years 3) the SoFi member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. 4) loans with terms over 25 years if the reported balance is under $60k. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our monthly savings amount and to minimize the risk of member data error skewing the monthly savings amount.

Nursing Savings:

Nursing Lifetime Savings – Lifetime savings calculation of $25,05211 is based on all SoFi members with a nursing degree who refinanced their student loans between 6/14/2013 and 6/30/2016. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi nursing degree members who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 30 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount.

Nursing Monthly Savings – Monthly savings calculation of $313 is based on all SoFi members with a nursing degree who refinanced their student loans between 7/8/2013 and 6/30/2016. The calculation is derived by averaging the monthly savings of SoFi members with a nursing degree, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time. SoFi’s monthly savings methodology for student loan refinancing excludes refinancings in which 1) members elect a SoFi loan with a shorter term than their prior student loan term(s) 2) the term length of the SoFi member’s prior student loan(s) was shorter than 5 years or longer than 30 years 3) the SoFi member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our monthly savings amount and to minimize the risk of member data error skewing the monthly savings amount.

Attorney Lifetime Savings – Lifetime savings calculation of $31,3983 is based on all SoFi members with a law school degree who refinanced their student loans between 11/6/2012 and 6/30/2016. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi law school degree members who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 30 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount.

Attorney Monthly Savings – Monthly savings calculation of $391 is based on all SoFi members with a law school degree who refinanced their student loans between 11/6/2012 and 6/30/2016. The calculation is derived by averaging the monthly savings of SoFi members with a law school degree, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time. SoFi’s monthly savings methodology for student loan refinancing excludes refinancings in which 1) members elect a SoFi loan with a shorter term than their prior student loan term(s) 2) the term length of the SoFi member’s prior student loan(s) was shorter than 5 years or longer than 30 years 3) the SoFi member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our monthly savings amount and to minimize the risk of member data error skewing the monthly savings amount.

Dentist Lifetime Savings – Lifetime savings calculation of $59,644 is based on all SoFi members with a dental school degree who refinanced their student loans between 2/28/2014 and 6/30/2016. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi dental school degree members who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. SoFi’s average savings methodology for student loan refinancing excludes refinancings in which 1) members elect SoFi loans with longer maturity than their existing student loans 2) the term length of the member’s original student loan(s) is greater is than 30 years 3) the member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our average lifetime savings amount and to minimize the risk of member data error skewing the average lifetime savings amount.

Dentist Monthly Savings – Monthly savings calculation of $800 is based on all SoFi members with a dental school degree who refinanced their student loans between 2/28/2014 and 6/30/2016. The calculation is derived by averaging the monthly savings of SoFi members with a dental school degree, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time. SoFi’s monthly savings methodology for student loan refinancing excludes refinancings in which 1) members elect a SoFi loan with a shorter term than their prior student loan term(s) 2) the term length of the SoFi member’s prior student loan(s) was shorter than 5 years or longer than 30 years 3) the SoFi member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our monthly savings amount and to minimize the risk of member data error skewing the monthly savings amount.

Medical Resident Student Loan Refinancing:

1. Fixed rates from 3.600% APR to 7.755% APR (with AutoPay). Variable rates from 3.065% APR to 7.370% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 3.065% APR assumes current 1 month LIBOR rate of 1.24% plus 2.075% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. Not all amounts available in all states, see Medical Resident Student Loan Refinancing eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

*The minimum monthly payment of $100 while in residency period, may not pay all of the interest due each month, which will likely result in negative amortization during the residency period.

Investing:

The information contained herein does not constitute an offer to sell securities or a solicitation of an offer to buy securities. Purchases or sales of securities privately offered by SoFi or its affiliates (the “Securities”) can only be made by private placement memorandum and related subscription documents, which will be provided to accredited investors on a confidential basis at their request for their consideration in connection with such offering. Investment in the Securities will involve significant risks, including loss of principal. The Securities will have limited liquidity options, as there is a limited secondary market for the Securities. None of the information contained in this website release is a recommendation for investment in any securities. Testimonials may not be representative of the experience of other investors and are not indicative of future performance or success. SoFi is not affiliated with or officially endorsed by any listed universities.

Investor Education and Protection:

An investor brochure about SoFit Securities, LLC is available on FINRA BrokerCheck at brokercheck.finra.org. You can also call the BrokerCheck hotline at (800) 289-9999 or access the broader FINRA website at www.finra.org.

Wealth:

The SoFi Wealth platform is operated and maintained by SoFi Wealth LLC, an SEC Registered Investment Advisor. Brokerage services are provided to clients of SoFi Wealth LLC by SoFi Securities LLC, an affiliated broker-dealer registered with the Securities and Exchange Commission and a member of FINRA/SIPC. Investments are not FDIC Insured, have No Guarantee and May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Clearing and custody of all securities are provided by APEX Clearing Corporation.

Additional Explanatory Notes and Disclosures Related to Performance:
General
SoFi Wealth LLC (“SoFi Wealth”) is an SEC registered Investment Adviser. Information pertaining to SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.

The material in this presentation is based on information from a variety of sources we consider reliable, but we do not represent that the information is accurate or complete. The material provided herein is for informational purposes only.

SoFi Wealth does not provide tax advice to its clients. All investors are strongly urged to consult with their tax advisors regarding any potential investment.

This content is not intended to be used as a general guide to investing, or as a source of any specific investment recommendations, and makes no implied or express recommendations concerning the manner in which any client’s account should or would be handled, as appropriate strategies depend upon the client’s specific circumstances and investment objectives.

The presentation of performance is neither an offer to sell nor a solicitation of an offer to buy any securities. 

Backtested Performance
Backtested performance is NOT an indicator of future actual results. The results reflect performance of a strategy not offered to investors and do NOT represent returns that any investor actually attained. Backtested results are calculated by the retroactive application of a model constructed on the basis of historical data and based on assumptions integral to the model which may or may not be testable and are subject to losses.

Backtested performance is developed with the benefit of hindsight and has inherent limitations. Specifically, backtested results do not reflect actual trading or the effect of material economic and market factors on the decision-making process. Since trades have not actually been executed, results may have under- or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity, and may not reflect the impact that certain economic or market factors may have had on the decision-making process. Further, backtesting allows the security selection methodology to be adjusted until past returns are maximized. Actual performance may differ significantly from backtested performance. Future returns are not guaranteed and a loss of principal may occur.

Backtested results are adjusted to reflect the reinvestment of dividends and other income to rebalance the portfolio and are presented net-of-fees, as described below. No cash balance or cash flow is included in the calculation.

Results assume that SoFi Wealth would have been able to purchase the securities recommended by the model and the markets were sufficiently liquid to permit all trading. Changes in these assumptions may have a material impact on the backtested returns presented. Certain assumptions have been made for modeling purposes and are unlikely to be realized. No representations and warranties are made as to the reasonableness of the assumptions. This information is provided for illustrative purposes only.

SoFi Indices
Sofi Wealth constructed the indices presented using a series of ETF’s that follow a set of rules of ownership that are held constant regardless of market conditions and that mirror holdings currently maintained in the SoFi Wealth model portfolios. An important characteristic of an index fund is that its rules of ownership are not based on a forecast of short-term events. Therefore, an investment strategy that is limited to the buying and rebalancing of a portfolio of index funds is often referred to as passive investing, as opposed to active investing. Simulated index data is based on the performance of live ETF’s.

Performance results assume the reinvestment of dividends and capital gains and monthly rebalancing at the end of each month. The monthly return is calculated with the assumption that the SoFi index is perfectly in balance at the end of each month. In actual SoFi portfolios, rebalancing occurs at no set time, and such actions are dependent on both market conditions and individual client liquidity inflows and outflows, along with the cost impact of such transactions on the overall portfolio.

The performance of the SoFi indices reflects and is net of the effect of SoFi’s annual investment management fee of 0.25%, billed quarterly. Actual SoFi Wealth advisory fees may be different than that illustrated. The fee utilized is the highest fee SoFi Wealth charges as of the date of the chart. Depending on the amount of your assets under management, your investment management fee may be less. Since we accept no fees from investment product firms, SoFi uses index fund data based on net asset value returns, which are net of the ETF expenses only. Expenses of the underlying holdings were estimated using a weighted average of the expense ratios for the ETF’s utilized in the SoFi Wealth model portfolios at the date of the chart. Although ETF’s may minimize tax liabilities from short and long-term capital gains, any resulting tax liability is not deducted from performance results. SoFi Wealth does not charge transaction fees, but other custody related expenses may apply and are not reflected, which reduce returns.

All of the securities used in the SoFi indices were not available during the time period presented.

No taxes are taken into account—chart assumes the account used to invest is a nontaxable account that is an ongoing concern throughout the period presented.

Representative indexing of SoFi Wealth’s conservative strategy underperforms the associated benchmark due to short duration bias and concentration of fixed income.

Benchmarks
Benchmarks have been constructed using combinations of MSCI ACWI and the Bloomberg Barclays Global Aggregate (Dollar Hedged”) Total Return index, blended to represent the weighting of equity and fixed income allocations maintained in the associated SoFi Index. Benchmark construction is intended to capture the approximate equivalent risk between the benchmark and the associated SoFi index.

References to market or composite indices, benchmarks or other measures of relative market performance over a specified period of time are provided for your information only. Reference to an index does not imply that we believe a SoFi Wealth portfolio will achieve returns, volatility or other results similar to the index. The composition of a benchmark may not reflect the manner in which a SoFi Index is constructed in relation to expected or achieved returns, investment holdings, portfolio guidelines, restrictions, sectors, correlations, concentrations, volatility or tracking error targets, all of which are subject to change over time. 

Performance results assume the reinvestment of dividends and capital gains and monthly rebalancing at the end of each month. The monthly return is calculated with the assumption that the benchmark is perfectly in balance at the end of each month.

The performance of the benchmark reflects and is net of the effect of an assumed “average mutual fund fee” of 79 basis points, which was expressed in the Morningstar 2015 Fee Study. Although index mutual funds minimize tax liabilities from short and long-term capital gains, any resulting tax liability is not deducted from performance results. Performance results also do not reflect transaction fees and other expenses, which reduce returns. Performance results assumes the reinvestment of dividends, interest and other earnings and are time-weighted based on monthly portfolio valuations for all periods.

The volatility of a benchmark index may be materially different from the individual performance attained by a specific investor. In addition, strategy holdings may differ significantly from the securities that comprise the index. The index has not been selected to represent an appropriate benchmark with which to compare an investor’s performance, but rather is disclosed to allow for comparison of the SoFi Indices’ performance to that of certain well-known and widely recognized index. You cannot invest directly in an index. 

Key Assumptions

Portfolio Weights Aggresive Moderately Aggressive Moderate Moderately Conservative Conservative
US 35% 45% 30% 25% 0
Developed Ex US 25% 10% 5% 0% 0%
EM Equity 30% 15% 10% 5% 0
US Energy 5% 0% 0% 0% 0%
REIT 5% 0% 0% 0% 5%
EM USD 5% 10% 15% 5%
Inflation Linked Treasury 0% 0% 0% 0%
Short Duration Treasury 0% 0% 0% 70%
Intermediate Treasury 0% 0% 5% 10%
Intermediate Corp 0% 7% 17.50% 10%
Short Term Corp 5% 10% 10% 0%
Barclays High Yield 5% 10% 5% 0%
Short Term HY 15% 18% 17.50% 0%
Short Term Inv Muni 0% 0% 0% 0%
Inv Muni 0% 0% 0% 0%
High Yield Muni 0% 0% 0% 0%
1-3 Month Bill 0% 0% 0% 0%

Risks
All investments are subject to risk, which should be considered prior to making and investment decisions.

Exchange Traded Funds (ETFs)
ETFs are open-end investment companies, unit investment trusts or depository receipts that hold portfolios of stocks, commodities and/or currencies that commonly are designed, before expenses, to closely track the performance and dividend yield of (i) a specific index, (ii) a basket of securities, commodities or currencies, or (iii) a particular commodity or currency. The types of indices commonly sought to be replicated by ETFs most often include domestic equity indices, fixed income indices, sector indices and foreign or international indices. ETF shares are traded on exchanges and are traded and priced throughout the trading day. ETFs permit an investor to purchase a selling interest in a portfolio of stocks throughout the trading day. Because ETFs trade on an exchange, they may not trade at NAV. Sometimes, the prices of ETFs may vary significantly from the NAVs of the ETFs’ underlying securities.  Additionally, if an investor decides to redeem ETF shares rather than selling them on a secondary market, the investor may receive the underlying securities which must be sold in order to obtain cash.

Equity
Equity securities include common stocks, preferred stocks, convertible securities and mutual funds that invest in these securities. Equity markets can be volatile. Stock prices rise and fall based on changes in an individual company’s financial condition and overall market conditions. Stock prices can decline significantly in response to adverse market conditions, company-specific events, and other domestic and international political and economic developments.

Fixed Income
Fixed income securities include corporate bonds, municipal bonds, other debt instruments and mutual funds that invest in these securities.  Issuers generally pay a fixed, variable, or floating interest rate, and must repay the amount borrowed at maturity. Some debt instruments, such as zero-coupon bonds, do not pay current interest, but are sold at a discount from their face value.  Prices of fixed income securities generally decline when interest rates rise, and rise when interest rates fall. Longer-term debt and zero-coupon bonds are more sensitive to interest rate changes than debt instruments with shorter maturities.

Fixed income securities are also subject to credit risk, which is the chance that an issuer will fail to pay interest or principal on time. Many fixed income securities receive credit ratings from Nationally Recognized Statistical Rating Organizations (NRSROs). These NRSROs assign ratings to securities by assessing the likelihood of issuer default. Changes in the credit strength of an issuer may reduce the credit rating of its debt investments and may affect their value. High-quality debt instruments are rated at least AA or its equivalent by any NRSRO or are unrated debt instruments of equivalent quality.  Issuers of high-grade debt instruments are considered to have a very strong capacity to pay principal and interest. Investment grade debt instruments are rated at least Baa or its equivalent by any NRSRO or are unrated debt instruments of equivalent quality. Baa rated securities are considered to have adequate capacity to pay principal and interest, although they also have speculative characteristics. Lower rated debt securities are more likely to be adversely affected by changes in economic conditions than higher rated debt securities.

U.S. Government securities include securities issued or guaranteed by the U.S. Treasury; issued by a U.S. Government agency; or issued by a Government-Sponsored Enterprise (GSE). U.S. Treasury securities include direct obligations of the U.S. Treasury, (i.e., Treasury bills, notes and bonds).  U.S. Government agency bonds are backed by the full faith and credit of the U.S. Government or guaranteed by the U.S. Treasury (such as securities of the Government National Mortgage Association (GNMA or Ginnie Mae)). GSE bonds are issued by certain federally-chartered but privately-owned corporations, but are neither direct obligations of, nor backed by the full faith and credit of, the U.S. Government. GSE bonds include: bonds issued by Federal Home Loan Banks (FHLB), Federal Farm Credit Banks (FCS), Federal Home Loan Mortgage Corporation (FHLMC or Freddie Mac) and the Federal National Mortgage Association (FNMA or Fannie Mae).

International Securities
International investments involve additional risks you should be aware of, which include differences in financial accounting standards, currency fluctuations, political instability, foreign taxes and regulations, news that can trigger volatile conditions, and the potential for illiquid markets. Small cap companies in these markets may react with greater volatility in reaction to activities in those markets. It is more difficult to obtain reliable information about some foreign securities. The costs of investing in some foreign markets may be higher than investing in domestic markets. Investments in foreign securities also are subject to currency fluctuations.

Definitions
Asset Class is a standard term that broadly defines a category of investments. The three basic asset classes are Cash, Bonds (fixed income), and Stocks (equity). Bonds and Stocks are often further subdivided into more narrowly defined classes. Some of the most common asset classes are defined below.

Cash and Cash Alternatives
Cash typically includes bank accounts or certificates of deposit, which are insured by the Federal Deposit Insurance Corporation up to a limit per account. Cash Alternatives typically include money market securities, U.S. treasury bills, and other investments that are readily convertible to cash, have a stable market value, and a very short-term maturity. U.S. Treasury bills are backed by the full faith and credit of the U.S. Government and, when held to maturity, provide safety of principal. (See the “Risks Inherent in Investing” section in this Important Disclosure Information for a summary of the risks associated with investing in cash alternatives.)

Bonds
Bonds are either domestic (U.S.) or global debt securities issued by either private corporations or governments. (See the “Risks Inherent in Investing” section in this Important Disclosure Information for a summary of the risks associated with investing in bonds. Bonds are also called “fixed income securities.”)

Domestic government bonds are backed by the full faith and credit of the U.S. Government and have superior liquidity and, when held to maturity, safety of principal. Domestic corporate bonds carry the credit risk of their issuers and thus usually offer additional yield. Domestic government and corporate bonds can be sub-divided based upon their term to maturity. Short-term bonds have an approximate term to maturity of 1 to 5 years; intermediate-term bonds have an approximate term to maturity of 5 to 10 years; and, long-term bonds have an approximate term to maturity greater than 10 years.

Stocks

Stocks are equity securities of domestic and foreign corporations. (See the “Risks Inherent in Investing” section in this Important Disclosure Information for a summary of the risks associated with investing in stocks.)

Domestic stocks are equity securities of U.S. corporations. Domestic stocks are often sub-divided based upon the market capitalization of the company (the market value of the company’s stock). “Large cap” stocks are from larger companies, “mid cap” from the middle range of companies, and “small cap” from smaller, perhaps newer, companies. Generally, small cap stocks experience greater market volatility than stocks of companies with larger capitalization. Small cap stocks are generally those from companies whose capitalization is less than $500 million, mid cap stocks those between $500 million and $5 billion, and large cap over $5 billion.

Large cap, mid cap and small cap may be further sub-divided into “growth” and “value” categories. Growth companies are those with an orientation towards growth, often characterized by commonly used metrics such as higher price-to-book and price-to-earnings ratios. Analogously, value companies are those with an orientation towards value, often characterized by commonly used metrics such as lower price-to-book and price-to-earnings ratios.

International stocks are equity securities from foreign corporations. International stocks are often sub-divided into those from “developed” countries and those from “emerging markets.” The emerging markets are in less developed countries with emerging economies that may be characterized by lower income per capita, less developed infrastructure and nascent capital markets. These “emerging markets” usually are less economically and politically stable than the “developed markets.”

Welcome Bonus:

Terms and conditions apply. Offer is subject to lender approval. To receive the offer, you must: (1) register and/or apply through the referral link you were given; (2) complete a loan application with SoFi; (3) have and provide a valid US bank account to receive bonus; (4) and meet SoFi’s underwriting criteria. Once conditions are met and the loan has been disbursed, you will receive your welcome bonus via automated clearing house (ACH) into your checking account within 30 calendar days. Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of $600 or greater in a single calendar year may be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time with or without notice.

Member Rate Discount Program:

Eligibility
Existing SoFi members with a SoFi Mortgage, Personal Loan, or Student Loan who take out a new loan of a different product type will receive the 0.125% Member Rate Discount on that new loan. To be eligible for the Member Rate Discount Program, members must meet the following criteria: 1) The member must be in good standing with their current and prior SoFi loans; 2) the member has never been 60 or more days past due on a current and prior SoFi loan; 3) the member has not been 30 or more days past due more than once on a current and prior SoFi loan; and 4) the member was never in forbearance on a SoFi loan. The Member Rate Discount must be for a different type of loan, thus it does not apply to another loan of the same type. For instance, an existing SoFi Personal Loan borrower is not eligible to receive the Member Rate Discount on a second SoFi Personal Loan, but is eligible to receive the Member Rate Discount on a SoFi Mortgage, Mortgage Refinance, Student Loan Refinance, Parent PLUS Student Loan Refinance, or a Parent In-School Loan.

SoFi Wealth members with no SoFi loan accounts will also receive the Member Rate Discount on a new loan if the member’s existing SoFi Wealth account meets minimum balance criteria described below at the time of origination of the new loan. SoFi Wealth members are eligible to receive the Member Rate Discount on a Mortgage Loan if they have and maintain a minimum balance of $50,000 in their SoFi Wealth account. SoFi Wealth members are eligible to receive the Member Rate Discount on a Personal and Student Loan if they have and maintain a minimum balance of $10,000 in their SoFi Wealth account.

The SoFi Wealth platform is operated and maintained by SoFi Wealth LLC, an SEC Registered Investment Advisor. Brokerage services are provided to clients of SoFi Wealth LLC by SoFi Securities LLC, an affiliated broker-dealer registered with the Securities and Exchange Commission and a member of FINRA/SIPC. Investments are not FDIC Insured, have No Guarantee and May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Clearing and custody of all securities are provided by APEX Clearing Corporation.

Standards and Limitations
7/1 Adjustable Rate Mortgage (ARM) loan products will receive the Member Rate Discount for the duration of the fixed period, i.e. 7 years only. Limit one Member Rate Discount per loan. Member Rate Discount cannot be combined with other rate discounts, with the exception of the 0.25% AutoPay rate discount. SoFi reserves the right to change or terminate the Member Rate Discount Program to unenrolled participants at any time with or without notice.

Personal Loan Member Rate Discount Average Savings

Member Rate Discount Program average savings of $147 for SoFi Personal Loans is based on all SoFi members who financed their personal loans between 1/1/2016 and 12/31/2016. The savings calculation is derived by taking the lifetime cost of SoFi loans minus the lifetime cost of SoFi loans assuming a 0.125% discount. The savings calculation assumes an average rate of 9.71% APR, an average term of 67.67 months, and an average balance $34,914. SoFi’s lifetime savings methodology for personal loans assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%.

Student Loan Member Rate Discount Average Savings
Member Rate Discount Program average savings of $659 for SoFi Student Loans is based on all SoFi members who refinanced their student loans between 1/1/2016 and 12/31/2016. The savings calculation is derived by taking the lifetime cost of SoFi loans minus the lifetime cost of SoFi loans assuming a 0.125% discount. The savings calculation assumes an average rate of 4.846% APR, an average term of 137.43 months, and an average balance $77,495. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%.

Member Daily Savings:

Average daily savings calculation of $9 is based on all SoFi members who refinanced their student loans between 8/16/2012 and 6/30/2016. The calculation is derived by averaging the monthly savings of SoFi members, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi, and then taking the daily average of that monthly savings. SoFi’s daily savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time. SoFi’s daily savings methodology for student loan refinancing excludes refinancings in which 1) members elect a SoFi loan with a shorter term than their prior student loan term(s) 2) the term length of the SoFi member’s prior student loan(s) was shorter than 5 years or longer than 30 years 3) the SoFi member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our daily savings amount and to minimize the risk of member data error skewing the daily savings amount.

Member Referral Program:

Lifetime referral bonus payment calculation is based on the total funds paid or pending payment to SoFi referral members who earned one or more welcome bonuses through the referral program between 12/10/14 – 1/30/2017, regardless of whether the funds have been disbursed.

The member lifetime savings calculation of $120,509,738 is for SoFi referred members who had their student or parent plus loans refinanced between 7/17/2013 – 1/27/2017. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE) 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. Borrowers refinancing loans into longer terms typically forfeit savings for lower monthly payments.

Lifetime welcome bonus payment calculation is based on the total funds paid or pending payment to SoFi referral members who earned a welcome bonus through the referral program between 12/10/14 – 1/30/2017, regardless of whether the funds have been disbursed.

Employer Contribution Program:

Average Enrollee Lifetime Savings
Average enrollee lifetime savings calculation of $6,957.50 is based on all employees of SoFi’s Employer Contribution Program partners who received contributions between 5/13/2016 and 4/5/2017. SoFi itself is a participant in the Employer Contribution Program. The savings calculation is derived by taking the estimated lifetime cost of the enrollee’s existing student loan without the employer contribution minus the lifetime cost of existing student loan with the employer’s contribution added as an additional payment each month. SoFi’s average lifetime savings methodology for its Employer Contribution Program assumes: 1) data entered during enrollment in the contribution program is accurate; 2) enrollees’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE); 3) enrollees make all payments on time 4); enrollees make their minimum monthly payment for the full duration of their loan; 5) employer contribution is applied for the duration of the enrollee’s loan; and 6) enrollee remains employed by the company for the duration of their loan. SoFi’s average lifetime savings methodology for its Employer Contribution Program excludes: 1) enrollees from employers that do not apply the contribution for the duration of the enrollee’s loan; 2) enrollees with loan terms of 25 years or greater who have a remaining loan balance under $60,000; and 3) enrollees with loan terms greater than 30 years.

Average Monthly Employer Contribution Amount
Average monthly employer contribution amount calculation of $88.44 is based on all of SoFi’s Employer Contribution Program partners who have offered a monthly contribution between 5/13/2016 and 4/5/2017. SoFi itself is a participant in the Employer Contribution Program. The calculation is derived by averaging the monthly contribution amount offered to each enrollee for each employer, then averaging all of the employer’s monthly contribution amounts. SoFi’s average monthly contribution amount methodology for its Employer Contribution Program uses the contribution amount that enrollees receive as of 4/5/2017.

Total Employer Contributions Amount
Total employer contributions amount calculation of $478,556.94 is based on all of SoFi’s Employer Contribution Program partners who have offered a monthly contribution between 5/13/2016 and 4/5/2017. SoFi itself is a participant in the Employer Contribution Program. The calculation is derived by summing the contributions offered to each enrollee since their enrollment in their employer’s program.

Average Enrollee Repayment Years Reduced
Average enrollee repayment years reduced calculation of 3.80 is based on all employees of SoFi’s Employer Contribution Program partners who received contributions between 5/13/2016 and 4/5/2017. SoFi itself is a participant in the Employer Contribution Program. The repayment years reduced calculation is derived by taking the estimated years of repayment for the enrollee’s existing student loan without the employer contribution minus the years of repayment of existing student loan with the employer’s contribution added as an additional payment each month. SoFi’s repayment years reduced methodology for its Employer Contribution Program assumes: 1) data entered during enrollment in the contribution program is accurate; 2) enrollees’ interest rates do not change over time (PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE); 3) enrollees make all payments on time; 4) enrollees make their minimum monthly payment for the full duration of their loan; 5) employer contribution is applied for the duration of the enrollee’s loan; and 6) enrollee remains employed by the company for the duration of their loan. SoFi’s repayment years reduced methodology for its Employer Contribution Program excludes: 1) enrollees from employers that do not apply the contribution for the duration of the enrollee’s loan; 2) enrollees with loan terms of 25 years or greater who have a remaining loan balance under $60,000; and 3) enrollees with loan terms greater than 30 years.

Licenses

SoFi Lending Corp. holds consumer lending licenses in the following states:

State License License Type
Alabama 21983 Consumer Credit
California 6054612 / NML# 1121636 Financing Law
Delaware 30278 Lender
DC MLB1121636 Money Lenders – Class A
Idaho RRL-9120 Regulated Lender
Indiana 18090 Consumer Credit
Iowa NRR 2014-0096 Regulated Loan
Louisiana 1121636 Licensed Lender
Maryland 1421 Consumer Loan
Michigan RL-0019084 Regulatory Loan
Minnesota RL-167 Regulated Loan Co.
Missouri 367-14-7215 Consumer Credit Loan Co.
Montana 1121636 Consumer Loan
Nevada 4635 Broker License
North Dakota 1121636 Money Broker
Oregon 0436-001-C Consumer Finance
Pennsylvania 42140 Consumer Discount Co.
Rhode Island 20153065LL Lender
South Dakota MYL.3015 Money Lending Licenses
Tennessee 3745 Industrial Loan & Thrift License
Texas 154481 Regulated Lender License
Vermont 6705 Lender
Washington CL-1121636 Consumer Loan

SoFi Lending Corp. Mortgage State Licensing Details

SoFi Lending Corp. is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

SoFi Lending Corp. is currently able to issue and refinance mortgages in the following states:

Alabama

Consumer Credit License No. 21983

Arizona

SoFi Lending Corp., 1035 W. Queen Creek Rd Ste 101 Chandler, AZ 852480, Mortgage Banker License #BK-0934275;

California

Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612/NMLS # 1121636

Colorado

Mortgage Company Registration License: 1121636

Connecticut

Licensed by the Connecticut Department of Banking – Mortgage Lender License # ML-1121636

Delaware

Delaware Lender License # 30278

District of Columbia

Mortgage Dual (Lender & Broker) Authority License No. MLB 1121636

Florida

Mortgage Lender Servicer License # MLD1108

Georgia

Georgia Mortgage Lender License No. 42010

Idaho

Mortgage Broker/Lender License: MBL-8673

Illinois

Illinois Residential Mortgage Licensee License No. MB.6761063

Department of Financial and Professional Regulation

 Division of Banking


100 West Randolph, 9th Floor


Chicago, IL 60601

312-814-4500

Indiana

First Lien Mortgage Lending License No. 25660

Maryland

Maryland Mortgage Lender License # 21585

Minnesota

Residential Mortgage Originator License # MN-MO-1121636

Montana

Licensed by the Montana Division of Banking and Financial institutions, Montana Mortgage Lender License # 1121636

Nevada

Nevada Mortgage Broker License # 4635

New Jersey

Licensed by the New Jersey Department of Banking and Insurance Residential Mortgage Lender License 1121636

New York

Licensed Mortgage Banker – NYC Department of Financial Services License Number 108933 – NMLS 1121636

North Carolina

Mortgage Lender License No. L-160812

North Dakota

Money Broker License No. MB102764

Oregon

Oregon Mortgage Lending License # ML-5418

Pennsylvania

Licensed by the Pennsylvania Department of Banking Mortgage Lender License No. 46311

Rhode Island

Rhode Island Lender License # 20153065LL

Tennessee

Tennessee Mortgage Lending License # 127518

Texas

Consumers wishing to file a complaint against a mortgage company or a licensed mortgage company residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at WWW.SML.TEXAS.GOV. A toll-free consumer hotline is available at 1-877-276-5550.

The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at WWW.SML.TEXAS.GOV. The department maintains the mortgage broker recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult Subchapter F of the Mortgage Broker License Act on the department’s web at WWW.SML.TEXAS.GOV.

Utah

Licensed by the Utah Department of Real Estate, Utah-DRE mortgage Entity License # 10293902.
Licensed by the Utah Department of Real Estate, Utah-DRE Mortgage Entity License-Other Trade Name #1 #9223125.
Utah-DRE Mortgage Branch Office # 10293918

Vermont

Licensed by the Vermont Banking Division – Lender License # 6705

Washington

Consumer Loan Company License CL-1121636

Wisconsin

Mortgage Banker License 1121636BA

Wyoming

Wyoming Mortgage Lender License # 2659

Social Finance Life Insurance Agency State Licenses

Social Finance Life Insurance Agency LLC holds life insurance agency licenses in the following states:

State License Number
Alabama 773152
Alaska 100135885
Arizona 1159472
Arkansas 100161658
California 0L13077
Colorado 519092
Connecticut 2535731
Delaware 3000027212
District of Columbia 3098049
Florida L097765
Georgia 191708
Hawaii 444833
*Idaho 588933
Illinois 100781196
Indiana 3189520
Iowa 102279025
Kansas 611797079-0
Kentucky DOI-931183
Louisiana 707821
Maine AGN275435
Maryland 3000035395
Massachusetts 2013496
Michigan 110767
Minnesota 40494303
Mississippi 1503043
Missouri 8388434
Montana 100159259
Nebraska 100257107
*Nevada 3189525
New Hampshire 2352445
New Jersey 1622442
New Mexico 100014691
New York 1444252
North Carolina 611797079
Ohio 1124435
Oklahoma 100271523
Oregon 100297507
Pennsylvania 790122
*Rhode Island RI does not license agencies
*South Carolina 209867
South Dakota 10019195
Tennessee 2346236
Texas 2135572
Utah 593009
Vermont 3199669
Virginia 140604
Washington 930875
West Virginia 100229069
Wisconsin 100216955
*Wyoming 321451

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