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Statement of Financial Condition

SoFi Checking and Savings® is a checking and savings account, which is a brokerage product, offered by SoFi Securities LLC. Member FINRA/SIPC. SoFi Securities LLC is an affiliate of SoFi Bank, N.A.

SoFi Invest: Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance, historical returns, future projections, and statistical forecasts are no guarantee of future returns or future performance. The firm reserves the right to monitor and retain all incoming and outgoing communications as permitted by applicable law.

SoFi Invest refers to the three investment and trading platforms operated by Social Finance, Inc. and its affiliates (described below). Individual customer accounts may be subject to the terms applicable to one or more of the platforms below.

1) Automated Investing and advisory services are provided by SoFi Wealth LLC, an SEC-Registered Investment Adviser (“Sofi Wealth“). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC.

2) Active Investing and brokerage services are provided by SoFi Securities LLC, Member FINRA/SIPC, (“Sofi Securities). Clearing and custody of all securities are provided by APEX Clearing Corporation.

3) Cryptocurrency is offered by SoFi Digital Assets, LLC, a FinCEN registered Money Service Business.

Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform. Information related to lending products contained herein should not be construed as an offer or pre-qualification for any loan product offered by SoFi Lending Corp and/or its affiliates.

This is not an offer, or solicitation of any offer to buy or sell any security, investment or other product. You can find additional information regarding SoFi Securities LLC and its registered persons at FINRA’s website. The firm reserves the right to monitor and retain all incoming and outgoing communications as permitted by applicable law.

Advisory services are offered through SoFi Wealth, LLC an SEC-Registered Investment Adviser. Information about 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.

1 SoFi Checking and Savings® and Samsung Money by SoFi Stadium Cash Back Program: New and existing SoFi Checking and Savings® Debit Card and Samsung Money by SoFi members can earn 25% cash back on all eligible purchases at SoFi Stadium until 3/31/2023 11:59 PT. A maximum of $50 cash back, corresponding to a maximum spend of $200, can be earned from this limited-time offer. Game tickets, event tickets, purchases made outside of SoFi Stadium, and purchases at traveling merchants not affiliated with SoFi Stadium such as food trucks or traveling merchandise vendors are not eligible for this promotion. SoFi reserves the right to exclude any Members from participating in the Program for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or make changes to the Program at any time. No opt in required. SoFi Checking and Savings: SoFi Checking and Savings® is a checking and savings account, which is a brokerage product, offered by SoFi Securities LLC. Member FINRA/SIPC.

SoFi Credit Card SoFi Stadium Cash Back Program: New and existing SoFi Credit Card members can earn 25% cash back on all eligible purchases at SoFi Stadium until 3/31/2023 11:59PM PT. Cash back is earned in the form of rewards points. Game tickets, event tickets, purchases made outside of SoFi Stadium, and purchases at traveling merchants not affiliated with SoFi Stadium such as food trucks or traveling merchandise vendors are not eligible for this promotion. SoFi reserves the right to exclude any Members from participating in the Program for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or make changes to the Program at any time. No opt in required. All purchases on food, beverage, or merchandise on your SoFi Credit Card while you are inside the stadium qualify to earn 25% cash back. A maximum of 12,500 rewards points, corresponding to a maximum spend of $500, can be earned from this limited-time offer. After the promotional period or once you have earned the maximum points offered by this promotion, your cash back earning rate will revert back to 2%. 12,500 rewards points are worth $125 when redeemed into SoFi Checking and Savings®, SoFi Invest, SoFi Personal or Student Loan Refinance loans and are worth $62.50 when redeemed as a SoFi Credit Card statement credit.

Exchange Traded Funds (ETFs): Investors should carefully consider the information contained in the prospectus, which contains the Fund’s investment objectives, risks, charges, expenses, and other relevant information. You may obtain a prospectus from the Fund company’s website or by email customer service at [email protected] Please read the prospectus carefully prior to investing.

Shares of ETFs must be bought and sold at market price, which can vary significantly from the Fund’s net asset value (NAV). Investment returns are subject to market volatility and shares may be worth more or less their original value when redeemed. The diversification of an ETF will not protect against loss. An ETF may not achieve its stated investment objective. Rebalancing and other activities within the fund may be subject to tax consequences.

SoFi Checking and Savings is offered through SoFi Bank, N.A.. The SoFi Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. ©2023 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender.

Accounts subject to additional credit approval. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. Your eligibility for a SoFi Credit Card Account or a subsequently offered product or service is subject to the final determination by The Bank of Missouri (“TBOM”) (“Issuer”), as issuer, pursuant to license by Mastercard® International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Please allow up to 30 days from date of submission to process your application. The card offer referenced in this communication is only available to individuals who are at least 18 years of age (or of legal age in your state of residence), and who reside in the United States.

SoFi’s Insights tool offers users the ability to connect both in-house accounts and external accounts using Plaid, Inc’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score provided to you is a VantageScore® based on TransUnion™ (the “Processing Agent”) data.

Student Loan Refinancing: Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. Your existing student loan(s) must total a minimum of $5,000 to be eligible for refinancing. Minimum loan amount may be higher in specific states due to legal requirements. To qualify, a borrower must be a U.S. citizen or other eligible status, have graduated with an associate degree or higher from an eligible Title-IV-accredited college or graduate program, and meet SoFi’s underwriting requirements; see SoFi.com/eligibility. SoFi refinance loans are private student loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Information current as of 6/17/21 and subject to change. Loans originated by SoFi Lending Corp. or an affiliate (dba SoFi). Licensed by the DFPI under the California Financing Law, license #6054612. NMLS #1121636 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details.

Private Student Loans: Please borrow responsibly. SoFi private student loans require things like credit qualification and agreement, completion of a loan application, verification of application information, the student’s enrollment at a SoFi-participating school, and if applicable, a co-signer and self-certification form. In addition, borrowers must meet SoFi’s eligibility and underwriting requirements. See SoFi.com for more information. This information is current as of 7/7/2021 and is subject to change.

Personal loans: Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at anytime without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Loans originated by SoFi Lending Corp. or an affiliate (dba SoFi) are subject to state restrictions and may not be available in all states, such as MS; see SoFi.com/eligibility for details and state restrictions. Minimum loan requirements might be higher than $5,000 in specific states due to legal requirements and interest-rate caps may be lower in some states due to legal requirements and may impact your eligibility to qualify for a SoFi loan. Information current as of 6/17/21. Loans originated by SoFi Lending Corp. or an affiliate, licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. NMLS #1121636 (www.nmlsconsumeraccess.org).

Home Loans: Terms and conditions apply. Before you apply for a SoFi Home Loan, we’d like you to be aware that not all loan programs are available in all states. Learn more at SoFi.com/legal/#mortgage-licenses. SoFi Home Loans are eligible for Primary or Second Home residences. SoFi Home Loans are subject to additional credit, income, property, loan amount and other eligibility restrictions and limitations. Lowest rates reserved for the most creditworthy borrowers. Product, rates, benefits, terms and conditions are subject to change without notice. Learn more at SoFi.com/eligibility. Information current as of 05/24/21. Licensed by the Department of Financial Protection and Innovation under the California Financing Law, license # 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate (dba SoFi), NMLS # 1121636 (www.nmlsconsumeraccess.org). Equal Housing Lender.

Loans originated by SoFi Lending Corp. or an affiliate. NMLS #1121636. SoFi Lending Corp. or affiliates (dba SoFi). 2750 E. Cottonwood Parkway #300 Cottonwood Heights, UT 84121. Terms, conditions, and state restrictions apply. Licensed in: Alabama Consumer Credit License #21983. Arizona Mortgage Banker License #BK-0934275. Arizona 1035 W Queen Creek Rd Ste 101, Chandler, AZ 85248. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License #6054612. Arkansas SoFi Lending Corp. or an affiliate. 201 East Markham Street, Little Rock, Arkansas 72201. Colorado Mortgage Company Registration License #1121636. Licensed by the Connecticut Department of Banking – Mortgage Lender License #ML-1121636. Delaware Lender License #30278. District of Columbia Mortgage Dual (Lender & Broker) Authority License #MLB 1121636. Florida Mortgage Lender Servicer License #MLD1108. Georgia Mortgage Lender License #42010. Idaho Mortgage Broker Lender License #MBL 8673. Illinois Residential Mortgage License #MB 6761063. Indiana First Lien Mortgage Lending License #25660. Iowa Mortgage Banker License #2019-0054. Kansas Mortgage Company, License #MC.0025600. Kentucky Mortgage Company License #MC701438. Louisiana – SoFi Lending Corp. or an affiliate., Louisiana Residential Mortgage Lending License. Maine Supervised Lender License NMLS #1121636. Maryland Mortgage Lender License #21585. Massachusetts Mortgage Lender and Mortgage Broker License MC1121636. Michigan 1st Mortgage Broker/Lender Registrant #FR0020980. Minnesota Residential Mortgage Originator License #MN-MO-1121636. Mississippi SoFi Lending Corp. or an affiliate., Post Office Box 12129, Jackson, Mississippi 32936. Licensed by the Montana Division of Banking and Financial Institutions, Montana Mortgage Lender License #1121636. Nebraska NMLS Number: 1121636 (877) 471-3445. Nevada Mortgage Broker License #4635. New Hampshire Mortgage Banker License #MLB 23682. 2750 E Cottonwood Parkway, Suite 300 Cottonwood Heights, UT 84121. Toll Free Number: 866-357-6342. Licensed by the New Jersey Department of Banking and Insurance, Residential Mortgage Lender License #1121636. North Carolina Mortgage Lender License #L-160812. North Dakota Money Broker License #MB102764. Ohio SoFi Lending Corp. or an affiliate., NMLS Number: 1121636, Residential Mortgage Lending Act Certificate of Registration: RM.804475.000. Oklahoma NMLS Number: 1121636 Mortgage Lender License: ML012338. Oregon Mortgage Lending License #ML-5418. Licensed by the Pennsylvania Department of Banking Mortgage Lender License #46311. Rhode Island Lender License #20153065LL. Licensed by the South Carolina State Board of Financial Institutions, Lender/Servicer License #MLS1121636. Licensed by the South Carolina State Board of Financial Institutions, Lender/Servicer License-Other Trade Name # MLS – 1121636 OTN #1. South Dakota Mortgage Lender License # ML 05296. Tennessee Mortgage Lending License #127518. Texas SML Residential Mortgage Loan Originator, License #1121636. SoFi Texas office: 2601 Network Blvd., Suite 600, Frisco, TX 75034. This office is licensed and examined by the Office of Consumer Credit Commissioner Texas Department of Savings and Mortgage Lending of the State of Texas. 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. Licensed by the Vermont Banking Division – Lender License #6705. Licensed by the Virginia Bureau of Financial Institutions – Lender License #MC – 5906. NMLS ID #1121636. Notice for refinancing customers: as a result of refinancing, the total finance charge over the life of the loan may be higher. Washington Consumer Loan Company License CL-1121636. Wisconsin Mortgage Banker License #1121636BA. Wyoming Mortgage Lender License #2659. See SoFi mortgage eligibility and full licensing details at SoFi.com/legal#mortgage-licenses. License information current as of 06/29/2021. (www.nmlsconsumeraccess.org)

Ladder policies are issued in New York by Allianz Life Insurance Company of New York, New York,. NY (Policy form # HIN-26) and in all other states and DC by Allianz Life Insurance Company of North America, Minneapolis. MN (Policy form# ICC20P-AZ100 and# P-AZ100). Only Allianz Life Insurance Company of New York is authorized to offer life insurance in the state of New York.

Coverage and pricing is subject to eligibility and underwriting criteria. SoFi Agency and its affiliates do not guarantee the services of any insurance company. The California license number for SoFi Agency is: OL13077 and for Ladder is OK22568. Ladder, SoFi and SoFi Agency are separate, independent entities. and are not responsible for thG financial condition, business, or legal obligations of the other. Social Finance, Inc. (SoFi) and Social Finance Life Insurance Agency. LL.C (SoFi Agency) do not issue, underwrite insurance, or pay claims under Ladderlife™ policies. SoFi is compensated by Ladder for each issued term life policy.

By selecting Get a Free Quote you agree to Ladder the sharing with SoFi information about any insurance application you submit and any policy you may obtain.

Advisory services are offered through SoFi Wealth, LLC an SEC-Registered Investment Adviser. Information about 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.

Members earn 2 rewards points for every dollar spent on eligible purchases. If you elect to redeem points for cash deposited into your SoFi Checking and Savings® account, fractional shares in your SoFi Active Invest account, or as a payment to your SoFi Personal or Student Loan Refinance, your points will redeem at a rate of 1 cent per every point. If you elect to redeem points as a statement credit to your SoFi Credit Card account, your points will redeem at a rate of 0.5 cents per every point. For more details please visit the Rewards page. Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA/SIPC.

2 SoFi has installed SoFi owned ATMs inside SoFi Stadium. SoFi Checking and Savings members will not be charged a fee when using these ATMs to withdraw cash or check their balance. Non-SoFi Members may incur a fee when withdrawing cash or checking their balance. SoFi’s ATM policies are subject to change at our discretion at any time. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

SoFi Checking and Savings® and Samsung Money by SoFi Bag Check Reimbursement: New and existing SoFi Checking and Savings® and Samsung Money by SoFi members are eligible for reimbursed bag check at SoFi Stadium until 3/31/2023 11:59PM PT. All members who use their SoFi Checking and Savings® or Samsung Money by SoFi Debit Card to pay for bag check will receive 100% cash back into their SoFi Checking and Savings® or Samsung Money by SoFi account. SoFi reserves the right to exclude any Members from participating in the Program for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or make changes to the Program at any time. No opt in required.

SoFi Credit Card SoFi Stadium Bag Check Reimbursement: New and existing SoFi Credit Card members are eligible for reimbursed bag check at SoFi Stadium until 3/31/2023 11:59PM PT. All members who use their SoFi Credit Card to pay for bag check will receive 100% cash back in the form of 4,000 reward points. 4,000 rewards points are worth $40 when redeemed into SoFi Checking and Savings®, SoFi Invest, SoFi Personal or Student Loan Refinance loans and are worth $20 when redeemed as a SoFi Credit Card statement credit. SoFi reserves the right to exclude any Members from participating in the Program for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or make changes to the Program at any time. No opt in required.

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