Investor Presentaiton

Financial Services Productivity Loop FSPL has reached an inflection point, which creates marketing efficiencies and improves xBuy Ratio of Financial Services to Lending Products Total Fin Serv Products Total Lending Products SoFi 8 Q4'23 Total: 11,142K Money: 3,374K Q4'22 Total: 7,895K Money: 2,195K 4.9x Invest: 2,159K Relay: 1,922K 3.8x CC: 171K 6,554 PL: 837K 4,094 SL: 477K HL: 26K 5.7x Relay: 3,337K Invest: 2,381K CC: 245K 9,479 PL: 1,114K SL: 519K 1,079 Q4'21 1,341 Q4'22 1,663 Q4'23 HL: 30K Note: See "Footnotes" section for detailed explanations and definitions. The sum of individual metrics may not always equal total amounts indicated due to rounding. © 2023 Social Finance, Inc. Advisory services offered through SoFi Wealth LLC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. SoFi Bank, N.A., NMLS #696891. 8

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