© 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. 1 Get Your Money Right Borrow, Save, Spend, Invest and Protect

© 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. 2 Disclaimer Confidentiality and Disclosures This presentation has been prepared for use by Social Capital Hedosophia Holdings Corp. V (“Social Capital”) and Social Finance, Inc. (“SoFi”) in connection with their proposed business combination. T his presentation is for information purposes only and is being provided to you solely in your capacity as a potential investor in considering an investment in Social Capital and may not be re produced or redistributed, in whole or in part, without the prior written consent of Social Capital and SoFi. Neither Social Cap ital nor SoFi makes any representation or warranty as to the accuracy or completeness of the information contained in this presentation. Th e i nformation in this presentation and any oral statements made in connection with this presentation is subject to change and is no t intended to be all - inclusive or to contain all the information that a person may desire in considering an investment in Social C apital and is not intended to form the basis of any investments decision in Social Capital. This presentation does not consti tut e either advise or a recommendation regarding any securities. You should consult your own legal, regulatory, tax, business, financial and acc oun ting advisors to the extent you deem necessary, and must make your own decisions and perform your own independent investment and analysis of an investment in Social Capital and the transactions contemplated in this presentation. This presentation and any oral statements made in connection with this presentation shall neither constitute an offer to sell no r the solicitation of an offer to buy any securities, or the solicitation of any proxy, vote, consent or approval in any juri sdi ction in connection with the proposed business combination, nor shall there be any sale of securities in any jurisdiction in which the offer, sol ici tation or sale would be unlawful prior to the registration or qualification under the securities laws of any such jurisdictio ns. This communication is restricted by law; it is not intended for distribution to, or use by any person in, any jurisdiction where such distributi on or use would be contrary to local law or regulation. Forward - Looking Statements Certain statements in this presentation may constitute “ forward - looking statements” within the meaning of the federal securitie s laws. Forward - looking statements include, but are not limited to, statements regarding Social Capital’s or SoFi’s expectations , hopes, beliefs, intentions or strategies regarding the future including, without limitation, statements regarding: (i) the size, demand and growth potential of the markets for SoFi’s products and SoFi’s ability to serve those markets, (ii) the degree of market acc eptance and adoption of SoFi’s products, (iii) SoFi’s ability to develop innovative products and compete with other companies engaged in the financial services and technology industry and (iv) SoFi’s ability to attract and retain members . In addition, any statements that refer to projections, forecasts, or other characterizations of future events or circumstances, including any underlying assumptions, a re forward - looking statements. The words “ anticipate,” “believe,” continue,” “ could,” “ estimate,” “ expect,” “ intend,” “may,” “ might,” “plan,” “possible,” “potential,” “predict,” “project,” “ should,” “ strive,” “would” and similar expressions may identify forward - lookin g statements, but the absence of these words does not mean that statement is not forward looking. Forward - looking statements are predictions, projections and other statements about future events that are based on current expectations and assumptions and, as a result, ar e subject to risks and uncertainties. You should carefully consider the risks and uncertainties described in the “Risk Factor s” section of Social Capital’s registration statement on Form S - 1, the proxy statement/prospectus on Form S - 4 relating to the business combina tion, which is expected to be filed by Social Capital with the Securities and Exchange Commission (the “SEC”) and other docum ent s filed by Social Capital from time to time with the SEC. These filings identify and address other important risks and uncertainties tha t could cause actual events and results to differ materially from those contained in the forward - looking statements. Forward - loo king statements speak only as of the date they are made. Readers are cautioned not to put undue reliance on forward - looking statement s, and Social Capital and SoFi assume no obligation and do not intend to update or revise these forward - looking statements, whet her as a result of new information, future events, or otherwise. Neither Social Capital nor SoFi gives any assurance that either Soc ial Capital or SoFi will achieve its expectations. Use of Projections and Illustrative Presentations The financial projections, estimates, targets and illustrative presentations in this presentation are forward - looking statements that are based on assumptions that are inherently subject to significant uncertainties and contingencies, many of which are b ey ond Social Capital’s and SoFi’s control. While all financial projections, estimates, targets and illustrative presentations are necessar ily speculative, Social Capital and SoFi believe that the preparation of prospective or illustrative financial information involv es increasingly higher levels of uncertainty the further out the projection, estimate, target or illustrative presentation extends from the date of pre paration. The assumptions and estimates underlying the projected, expected or target results are inherently uncertain and are su bject to a wide variety of significant business, economic and competitive risks and uncertainties that could cause actual results to differ m ate rially from those contained in the financial projections, estimates and targets. The inclusion of financial projections, esti mat es, targets and and illustrative presentations in this presentation should not be regarded as an indication that Social Capital and SoFi, or thei r representatives, considered or consider the financial projections, estimates, targets and illustrative presentation to be a r eli able predictions of future events. Further, illustrative presentations are not necessarily based on management projections, estimates, expecta tio ns or targets but are presented for illustrative purposes only. Use of Data The data contained herein is derived from various internal and external sources. All of the market data in the presentation i nvo lves a number of assumptions and limitations, and there can be no guarantee as to the accuracy or reliability of such assumpt ion s. Further, no representation is made as to the reasonableness of the assumptions made within or the accuracy or completeness of any proj ect ions or modeling or any other information contained herein. Any data on past performance or modeling contained herein is not an indication as to future performance. Social Capital and SoFi assume no obligation to update the information in this presentat ion . Further, the historical financial data included in this presentation were audited by the Company in accordance with private C ompany AICPA standards. Accordingly, such information and data may not be included in, may be adjusted or may be presented different ly in any proxy statement/prospectus to be filed with the SEC. In addition, this presentation includes estimates of certain financial metrics of SoFi that may differ from SoFi’s actual financial metrics presented in any such proxy statement/prospectus. The Co mpa ny is currently in the process of uplifting its financials to comply with public company and SEC requirements. Use of Non - GAAP Financial Metrics This presentation includes certain non - GAAP financial measures (including on a forward - looking basis) such as Adjusted Net Reven ue, Adjusted EBITDA and Adjusted EBITDA Margin. These non - GAAP measures are an addition to, and not a substitute for or superior to, measures of financial performance prepared in accordance with GAAP and should not be considered as an alternative to net inco me, operating income or any other performance measures derived in accordance with GAAP. Reconciliations of non - GAAP measures to their most directly comparable GAAP counterparts are included in the Appendix to this presentation. SoFi believes that these non - GAAP measures of financial results (including on a forward - looking basis) provide useful supplemental information to investors about SoFi. SoFi’s management uses forward - looking non - GAAP measures to evaluate SoFi’s projected financials and operating performance . However, there are a number of limitations related to the use of these non - GAAP measures and their nearest GAAP equivalents, including that they exclude significant expenses that are required by GAAP to be recorded in SoFi’s financial measures.. In a ddi tion, other companies may calculate non - GAAP measures differently, or may use other measures to calculate their financial perfor mance, and therefore, SoFi’s non - GAAP measures may not be directly comparable to similarly titled measures of other companies. Addition ally, to the extent that forward - looking non - GAAP financial measures are provided, they are presented on a non - GAAP basis withou t reconciliations of such forward - looking non - GAAP measures due to the inherent difficulty in forecasting and quantifying certain amounts that are necessary for such reconciliations. Participation in Solicitation Social Capital and SoFi and their respective directors and executive officers, under SEC rules, may be deemed to be participa nts in the solicitation of proxies of Social Capital’s shareholders in connection with the proposed business combination. Investo rs and security holders may obtain more detailed information regarding the names and interests in the proposed business combination of Social Ca pital’s directors and officers in Social Capital’s filings with the SEC, including Social Capital’s registration statement on Fo rm S - 1, which was originally filed with the SEC on September 18, 2020. To the extent that holdings of Social Capital’s securities have chan ged from the amounts reported in Social Capital’s registration statement on Form S - 1, such changes have been or will be reflected o n Statements of Change in Ownership on Form 4 filed with the SEC. Information regarding the persons who may, under SEC rules, b e d eemed participants in the solicitation of proxies to Social Capital’s shareholders in connection with the proposed business c omb ination is set forth in the proxy statement/prospectus on Form S - 4 for the proposed business combination, which is expected to be filed by Social Capital with the SEC. Investors and security holders of Social Capital and SoFi are urged to read the proxy statement/prospectus and other relevant do cuments that will be filed with the SEC carefully and in their entirely when they become available because they will contain imp ortant information about the proposed business combination Investors and security holders will be able to obtain free copies of the proxy statement and other documents containing impor tan t information about Social Capital and SoFi through the website maintained by the SEC at www.sec.gov . Copies of the documents filed with the SEC by Social Capital can be obtained free of charge by directing a written request to Social Capital Hedosophia Holdings Corp. V, 317 University Ave., Suite 200, Palo Alto, California 94301.

© 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. 3 Source: FactSet as of December 20, 2020. Tech Disruptors Continue to Capture Value From Legacy Incumbents... $659 $214 $94 $57 $52 $37 $28 $22 $1,607 $703 $413 $291 $163 $35 $24 58% of 77% of Market Cap $ in billions

© 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. 4 Source: FactSet as of December 20, 2020. $494 $363 $339 $277 $248 $123 $120 $116 $106 $102 $98 $95 $42 $19 $13 Holistic Consumer Finance Offering Siloed Structure Built Top Down 1st Generation Payments Technology … And Now is SoFi’s Time in Financial Services ’s $ 2tn Opportunity Market Cap $ in billions

© 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. 5 SoFi is Uniquely Positioned at the Epicenter of Digital Revolution in Financial Services The o nly one - stop shop digital disruptor across financial services Powerful cross - buy: 65%+ of Home loans, 25%+ of Student Loans, 21% of Personal Loans and 35% of Invest members The AWS of Fintech: faster innovation, lower cost per account, higher margins 6 consecutive quarters of accelerating YoY Member growth: – ~$1bn in 2021E revenue, up ~60% YoY – 2021E full year adj. EBITDA profitability Better unit economics: higher LTV and lower Member Acquisition Cost driven by our multi - product strategy Compounding growth for decades: diversified revenue, attractive growth profile, high profitability Note: Cross - buy data as of September 30, 2020; AWS represents Amazon Web Services; “LTV” refers to Lifetime Value.

PRIVATE AND CONFIDENTIAL INFORMATION | FOR INTERNAL USE ONLY | DO NOT DISTRIBUTE ©2020 Social Finance Inc. 6 SoFi's Mission To help our members (HENWS) achieve financial independence to realize their ambitions Note: HENWS stands for High Earners not Well Served who represent a significant portion of SoFi’s member base.

7 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. SoFi provides comprehensive solutions tailored to member’s unique needs to Borrow , Save , Spend , Invest , and Protect , and in turn helps the member “ Get Your Money Right” If SoFi can help you Get Your Money Right , then SoFi can help you achieve financial independence to realize your ambitions !! ​ Our job to be done … Get Your Money Right

8 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. Why SoFi? : Our Key Points of Differentiation Provide the most convenient experience FAST 1 Selection 2 Content 3 Convenience 4 Everything we do must reinforce one of these four points of differentiation delivered with a MEMBER - centric approach & sensibility in order to: x Build a TRUSTED RELATIONSHIP x Show that our products are BETTER when used TOGETHER ease of use any time any platform any place Broad array of products across member lifecycle attractive value and price personalized with member benefits unique terms, features & services Content to help our members GYMR, via both SoFi & Non - SoFi brands credit score, calculators, budgeting UGC, news, quotes, investment research simplicity education, information, advice Fastest way to do everything deposit checks / access cash apply for & borrow money pay a friend / bill open an account buy / sell stock Note: UGC represents user - generated content; “GYMR” represents Get Your Money Right

9 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. The SoFi Strategy : A member experience & full suite of products that leverages the FSPL Leveraging the financial services productivity loop (“FSPL”) strategy where building TRUST and a “ RELATIONSHIP ” in the 1st product drives success in the next, results in Highest LTV & Lowest CAC resulting in our competitive advantage . Building our products so that they are BETTER when used TOGETHER further builds our competitive advantage in driving SoFi’s FSPL Best unit economics from lower CAC, lower cost from vertical integration win !! Personal Loans Invest Credit Cards Money Home Loans Student Loans

10 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. The “winner takes most” Fintech opportunity remains ...and now is SoFi’s time

11 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. Source: The Financial Brand, Plaid Research. September 16, 2020.”Before COVID - 19” represents January 2020. 59% of people have increased their Fintech app usage driving an 8% gain in penetration The shift to digital financial services is accelerating & here to stay Superior Offerings: 87% of consumers say they w on’t go back & why digital is better Greater Selection Faster Service More Content Greater Convenience Ubiquitous Access No Fees or Account Minimums More Flexible Greater Safety and Security AN48 JF11 JF12

12 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. 11% 10% 10% 4% 48% Source: WalletHub, Bank Market Share by Deposits and Assets . September 16, 2019. Source: Go Banking Rates, January 17, 2018. 50% of Americans use more than one bank for f inancial services 1 Bank 50% 2 Banks 28% 3 Banks 11% 4 Banks 4% 5+ Banks 7% Top 10 legacy banks hold ~50% of consumer’s 500M+ bank accounts Other Banks 52% Top 15 Banks Up for Grabs: 500M+ Accounts Across 4,700+ FDIC Incumbent Banks

13 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. Consumers are left using multiple accounts given the lack of an integrated one - stop shop on one digital platform Why Americans Use Multiple Banks is the only company providing this solution today in one app !! Want Finances Spread Out ~80% of consumers cite inadequate One - Stop Shops as the reason for >1 account 19% 31% 24% 20% 6% Flexibility / Convenience Lower Fees Different Services / Products High Account Balances Want Finances Spread Out Source: Go Banking Rates, January 17, 2018.

14 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. Lauren Webb CMO And has a World Class Management Team that Combines Expertise in Technology and Financial Services Anthony Noto CEO Chris Lapointe CFO Senior Management Team Maria Renz Group Business Lead: Money, Invest, Credit Card Jennifer Nuckles Group Business Lead: Content & Insights Michelle Gill Group Business Lead: Lending Rob Lavet General Counsel Aaron Webster Chief Risk Officer Assaf Ronen Head of Engineering Product and Design Anna Avalos Head of People Bill Tanona SVP, Corp Dev & IR Micah Heavener Head of Operations Clay Wilkes Founder & CEO: Galileo

15 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. Sofi Uniquely Offers a Full Suite of Financial Products All In One App to help members get their money right!! Member - centric approach powers entire financial relationship resulting in cross - buy opportunity SoFi Home Timeline Launched Jan 2019 SoFi Rewards Q4 2020 Invest Q1 2019 Money Q1 2019 Relay Q1 2019 All launched within last 24 months Home Loans Q1 2019 Credit Card Q4 2020 In - School Loans Q3 2019 Invest Loans In - School Loans Home Loans Note: Q1 2019 Home Loans refers to the re - launch of SoFi Home Loans; Q1 2019 Invest launch refers to launch of “Active Invest” AN56 JF15

16 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. Member growth is Accelerating & FSPL is working

17 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. 3,000 1,718 1,501 1,204 1,086 976 864 759 704 653 629 2021E Today Q3'20 Q2'20 Q1'20 Q4'19 Q3'19 Q2'19 Q1'19 Q4'18 Q3'18 On Track to Exceed 3M Members in 2021 Up 75% After 6 Consecutive Quarters of Accelerating YoY Growth Unique Members in thousands 75% Year - over - Year Growth 37% 59% 74% 54% 50% 75% YoY Growth Note: “Today” as of December 7, 2020. Unique members represent the cumulative number of members that have borrowed on the SoF i p latform or opened a financial services account through SoFi Money, SoFi Invest, SoFi Relay or SoFi Credit Card (whether or not they are still registered for such products) as of a given period. Un iqu e members measures the value of data collected and represent vital cross sell opportunities. //

18 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. 852K 987K 1,133K 1,372K 1,579K 1,971K 2,255K 4,000K Q2'19 Q3'19 Q4'19 Q1'20 Q2'20 Q3'20 Today 2021E 74K 98K 125K 214K 278K 349K 398K 775K Q2'19 Q3'19 Q4'19 Q1'20 Q2'20 Q3'20 Today 2021E Multi - Product Members: 400k - > 775K Total Products: 2.3M - >4.0M 77% Year - Over - Year Growth 95% Year - Over - Year Growth Nearly doubling our multi - product members to 775K Note: “Today” as of December 7, 2020. Total products refers to the aggregate number of lending and financial services product s t hat our members have selected on our platform since our inception through the reporting date. Multi - product members represents the number of members who have or have had more than one SoFi product within our lending and financial services product suite. // //

19 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. The SoFi Strategy : A member experience & full suite of products that leverages the FSPL Leveraging the financial services productivity loop (“FSPL”) strategy where building TRUST and a “ RELATIONSHIP ” in the 1st product drives success in the next, results in Highest LTV & Lowest CAC resulting in our competitive advantage. Building our products so that they are BETTER when used TOGETHER further builds our competitive advantage in driving SoFi’s FSPL Best unit economics from lower CAC, lower cost from vertical integration win !! Personal Loans Invest Credit Cards Money Home Loans Student Loans

20 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. 1 st Product: Money Only (5YR) (2) Total: Money & Personal Loan Customer Combination of Money + Loan drives higher LTV relative to Standalone Offerings Personal Loan (1YR) (3) Adj. Net Revenue $250 $2,311 $2,061 Variable Profit Margin 34% 44% 45% Member Acquisition $40 $865 $825 Variable Profit (1) $85 $1,023 $938 Multi - product Usage Leads to Best - in - Class Unit Economics and Greater Lifetime Value of Each Member Variable Ops Cost $125 $423 $298 A Money member cross buying to a loan increases total variable profit /member by $825 (+180%) due to no second acquisition cost. The extra profit can be invested in better prices (rates) and our differentiating factors Without Cross Buy Impact WITH Cross Buy Impact Member Acquisition $40 $40 -- Variable Profit (1) $85 $1,848 $1,763 Variable Profit Margin 34% 80% 86% (1) Variable profit excludes fixed direct operating expenses (primarily headcount) that do not correspond directly with growth in members or revenue . Variable profit is a non - GAAP measure used solely in this illustrative example to highlight the indicative value of a member over time ; it is not otherwise used as a performance measure and, as presented in this context, is not capable of reconciliation (2) Money Variable Profit per account represents forecasted 5 year cumulative Net Revenue and variable operations costs of a member acquired in Q 33 2020 .. On average new Q 3 Money Members were acquired at $ 36 . Cumulative revenue of $ 250 assumes on average that a Money Member acquired in Q 3 2020 will spend $ 5 , 000 per year for the next 5 years and SoFi will earn 1 % interchange revenue . Cumulative variable ops expense forecast consistent with historical trends where year 1 ops expenses are ~ $ 50 and materially less in subsequent years . (3) Personal Loans data based on average 2020 YTD Adjusted Net Revenue and variable expenses per loan originated . Illustrative Example

21 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. 65%+ of Home Loans come from existing members driving ~$30 million in Q3’20 revenue on $1 million in acquisition marketing Note: Data as of September 30, 2020. Revenue refers to Adjusted Net Revenue

22 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. Key Metrics Re - Launch (Q1’19) Current (Q3’20) Improvement Adjusted Net Revenue per Funded Loan $ 10K $ 15K +$ 5K Variable Operations Cost Per Funded Loan $ 13K $ 5K +$ 8K Acquisition Cost Per Funded Loan $ 6K $0.4K +$ 5K Variable Profit (Loss) per Funded Loan (1) ($ 9K ) $ 10K +$ 19K $ 19K More Variable Profit Meaningful Reduction of Acquisition Cost Home Loans Cross B uying momentum helped drive ~$30m in revenue on just $1m in acquisition marketing ~65%+ of Home Loans are from existing members driving an incremental $5k in variable profit per loan due to no second acquisition cost Drives Volume and Revenue Increased Sales Capacity Note: Variable profit excludes fixed direct operating expenses (primarily headcount) that do not correspond directly with gro wth in members. (1) Based on Total Adjusted Net Revenue, Total Variable Operations Cost and Total Acquisition Cost divided by loans originated du rin g indicated period. Variable profit is a non - GAAP measure used solely in this illustrative example to highlight the indicative value of a member over time; it is not otherwise used as a performance measure and, as presented in this context, is not capable of reconciliation

23 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. Continued Momentum in Cross Buy is Leading to Better Unit Economics 24% of Products Sales Come From Cross Buy from existing members at significantly lower acquisition cost 4% 4% Student Loan Refinancing Personal Loans Home Loans In-School Loans Money Invest Relay 8% 19% 22 % 25% 28 % 6% 16% 18 % 21 % 22 % 72% 63% 66% 69% 69% 21% 28% 32% 22% 23% 8% 14% 16% 44% 60% 36% 35% 45% 83% 68% 66% 61% 61% Q4’19 Q1’20 Q2’20 Q3’20 Q4’20 Note: Excludes credit card sales given limited availability of historical data (Q4’20 rollout).

24 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. Approaching an inflection point in the Financial Services Productivity Loop ~2M Products Q3'20 HL: 12K SLR: 388K PL: 489K Invest: 334K Money: 418K Relay: 318K ~4M Products 2021E HL: 30K SLR: 505K PL: 628K Invest: 866K Relay: 800K CC: 102K Money: 969k 21K Loans from Cross Buy YTD Est. 60K Loans from Cross Buy = ~$48M High Frequency, Low Member Acquisition Cost High LTV, Low Frequency Note: PL = Personal Loans; SLR = Student Loan Refi; HL = Home Loans; CC = Credit Card. “LTV” refers to Lifetime Value.

25 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. SoFi’s Technology & Operations Create Advantages for Our FSPL in Faster Innovation, Lower Costs, More Data & Iterative Testing We built our Lending business full stack across tech & operations, giving us a competitive advantage in a multi - product strategy Our full stack tech & operations capabilities enabled us to launch 5 new products in 12 months and at a lower cost Being full stack drives faster innovation, lower cost at scale, higher velocity of iterative testing, and more actionable data FSPL Fast Selection Content Convenience SoFi Members GYMR Risk & Underwriting Capabilities Operations & Fulfillment Capabilities Marketing Expertise Funding & Distribution Strategy Technology Infrastructure

26 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. Tech platform accelerates SoFi FSPL, distributes SoFi products via Galileo partners, and builds AWS of fintech ​ Offer SoFi Loans, Brokerage, Lantern marketplace and new technology services to ~50M accounts via Galileo partners Rapid customer and revenue growth fueled by secular acceleration in Fintech, high margin technology revenue stream, & increased diversification SoFi and Galileo are better together - accelerates SoFi Strategy, while also helping expand Galileo’s products & services to the ~50M accounts of its partners 1 Drive faster innovation to fuel SoFi’s direct deposit relationship for cross buy at lower cost and higher unit economics 2 3 5 Product roadmap for new tech services & geographic expansion into Latin America/Mexico provides additional growth opportunities for SoFi 4

27 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. 50 36 30 25 21 20 17 Q3'20 Q2'20 Q1'20 Q4'19 Q3'19 Q2'19 Q1'19 Galileo has seen 6 quarters of accelerating growth in total accounts Total Accounts in millions 23% 83% 131% 75% 62% YoY Growth 30% 8% Note: Total accounts reflect open accounts at period end, including SoFi open accounts, regardless of whether there was trans act ion activity. Accounts prior to Q2’20 are unaudited as these were recorded prior to SoFi’s acquisition of Galileo on May 14, 2020.

28 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. SoFi positioned to be the “Winner Takes Most” ● Targeting high earners not well served (HENWS) ages 22+ predominantly earning $100,000+ ● Uniquely offering comprehensive suite of products and services in a sea of single point solutions – only place to get your money right on 1 app ● Next generation, fully integrated tech and operations, and digitally native financial services business ● Competitive advantage via Financial Services Productivity Loop that drives superior unit economics ● Actionable data from an ecosystem of products across lending, financial services and payments processing Member focus Product offerings Business capabilities Tech infrastructure HENWS High income, High FICO Score Borrow Savings Spending Investing Protecting Risk & Underwriting Capabilities Funding & Distribution Strategy Operations & Fulfillment Marketing Expertise SoFi Core Technology Transaction Processing Service differentiators Fast Convenience Selection Content F S P L AN53 CB6 CB7

© 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. 29 Financials Driving accelerating revenue growth and margin expansion

© 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. 30 ($227) ($149) ($66) $27 $254 $484 $788 $1,177 Adjusted Net Revenue ($M) (2018A - 2025E) Adjusted EBITDA ($M) (2018A - 2025E) Accelerating revenue growth in 2021 with strong incremental adjusted EBITDA margins through 2025 YoY Growth 38% 58% 53% Incremental Adj. EBITDA Margin 26% 44% 49% 40% 33% 31% 38% 43% 45% $241 $451 $621 $980 $1,500 $2,106 $2,808 $3,669 '18A '19A '20E '21E '22E '23E '24E '25E Note: Adjusted Net Revenue and Adjusted EBITDA are non - GAAP measures. See GAAP reconciliation in Appendix. Incremental Adjusted EBITDA margin represents the delta between current period adjusted EBITDA and prior period adjusted EBITDA divided by the delta between current period adjusted net revenue and prior period adjusted net r eve nue. 87%

© 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. 31 Our 3 Business Segments Lending Technology Platform Financial Services • Student Loan Refi • Personal Loans • Home Loans • In School Loans • Galileo • 1/6 th ownership of Apex Clearing • Invest • Money • Credit Card • Lantern • Relay • Protect

© 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. 32 All at different stages in their growth trajectory & lifecycle Resulting in diversification of: • Revenue • Growth Rates • Interest Rate Exposure • Geographic Exposure 25% CAGR (2020 - 2025) Lending 58% Margin Technology Platform 55% CAGR (2020 - 2025) 62% Margin Financial Services 153% CAGR (2020 - 2025) On path to profitability Note: Margin represents contribution profit margin as of Q3’20; CAGR represents adjusted net revenue CAGR.

© 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. 33 Diversified Revenue Streams 83% 17% 2% 2020E Adj. Net Revenue Composition 2025E Adj. Net Revenue Composition 43% 25% 32% Lending Tech Platform Financial Services $621M Adj. Net Revenue $3.7B Adj. Net Revenue $514M $103M $911M $1.6B $1.2B $11M Note: $621m Adjusted Net Revenue is net of ~($8m) corporate expenses. Adjusted Net Revenue and Adjusted EBITDA are non - GAAP measures. See GAAP reconciliation in Appendix.

© 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. 34 Growth at scale and meaningful profitability 43% revenue CAGR and 30%+ Adjusted EBITDA margins Adjusted Net Revenue Contribution Profit EBITDA (1) Adjusted Net Revenue and Adjusted EBITDA are non - GAAP measures. Adjusted EBITDA margin is calculated as Adjusted EBITDA div ided by Adjusted Net Revenue. Note: See GAAP reconciliation in Appendix. (1) (1)

© 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. 35 $254 $484 $788 $1,177 $193 $234 $264 $299 $42 $447 $718 $1,052 $1,476 2021E 2022E 2023E 2024E 2025E Adjusted EBITDA ($M) (2021E - 2025E) Cumulative Incremental EBITDA $442M $706M Illustrative impact of a bank charter $1,005M $208M Base Case Adjusted EBITDA Forecast Potential Adjusted EBITDA impact from bank charter Key Benefits of Bank Charter • Durability • Lower cost of capital • Increased NIM from holding loans longer • Enables increased growth in lending Note: Assumes 200bps reduction in cost of capital, 6 month balance sheet hold period and moderate growth relative to baseline lendi ng originations

Advisory services offered through SoFi Wealth, LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. ©2018 Social Finance, In c. Confidential Information. Do not copy or distribute. Transaction Overview Subhead section Appendix

© 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. 37 Transaction Overview (1/2) ($ in millions except per share values) IPOE Illustrative Share Price $10.00 Pro forma shares outstanding (millions) 865.1 Pro Forma Equity Value $8,651 Pro Forma Equity Value / Net Income 21.3x (based on 2024E net income of $406m) 13.6x (based on 2025E net income of $635m) ($ in millions) Sources Cash from IPOE $805 Cash from T. Rowe Investment 370 Cash from PIPE (incl. Co - Investment) 1,225 Total Sources $2,400 Uses Cash to Balance Sheet $1,910 Illustrative Transaction Fees 65 Repayment of Galileo Seller Note 275 Secondary Proceeds 150 Total Uses $2,400 Pro forma valuation Sources & Uses Note: Assumes no redemptions. Excludes impact of 28.1 million public and private placement warrants struck at $11.50

© 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. 38 Transaction Overview (2/2) Pro forma equity value of ~$8.7bn $1,225 million PIPE raised at $10.00 per share, including $275 million from Social Capital and Hedosophia Completion of transaction is expected by Q1’21 9.3 % IPOE public shareholders 14.2 % PIPE / Co - Investment 2.3 % IPOE sponsor Pro forma ownership 1 (%) 74.2 % Existing shareholders Note: Assumes no redemptions. Excludes impact of 28.1 million public and private placement warrants struck at $11.50 (1) Total shares includes 642m rollover equity shares (657m less 15mm secondary purchase), 80.5m Shares to IPOE public sharehold ers, 122.5m shares to PIPE / Co - Investment, and 20.1m shares to IPOE sponsor

39 © 2020 Social Finance, Inc. Confidential Information. Do not copy or distribute. Advisory services offered through SoFi Wealt h L LC. SoFi Money® is offered through SoFi Securities LLC. SoFi Lending Corp., CFL #6054612. NMLS #1121636. Non - GAAP Reconciliations – Q3’20 YTD & Historical Note: “Servicing Rights” r eflects non - cash changes in fair value inputs and assumptions on servicing rights, including conditional prepayment and default rates a nd discount rates. “Residual interests classified as debt” reflects changes in fair value inputs and assumptions on residual interests classified as debt, including conditional p rep ayment and default rates and discount rates.