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SoFi Technologies Inc

For the period ended Dec 31, 2023. Filed Feb 27, 2024.

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About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2023 · Filed Feb 27, 2024

SOFI$16.37-2.3%Stored close · as of Nov 10, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Item 15. Exhibits, Financial Statement Schedules

The following documents are filed as part of this report:

(1) Financial Statements:

See “Index to Financial Statements” in Part II, Item 8.

(2) Financial Statement Schedules:

Separate financial statement schedules have been omitted either because they are not applicable or because the required information is included in the consolidated financial statements.

(3) Index to Exhibits:

The following exhibits are filed herewith, or were previously filed and are hereby incorporated by reference.

Exhibit No.DescriptionFormFile NumberDate of FilingExhibit/Annex Number Reference
2.1+Agreement and Plan of Merger, dated as of January 7, 2021, by and among Social Capital Hedosophia Holdings Corp. V, Plutus Merger Sub Inc. and Social Finance, Inc.S-4333-252009January 11, 2021Annex A
Exhibit No.DescriptionFormFile NumberDate of FilingExhibit/Annex Number Reference
2.2First Amendment to Agreement and Plan of Merger, dated as of March 16, 2021, by and among Social Capital Hedosophia Holdings Corp. V, Plutus Merger Sub Inc. and Social Finance, Inc.8-K001-39606March 16, 20212.1
2.3Agreement and Plan of Merger and Reorganization, dated as of April 6, 2020, by and among Social Finance, Inc., SFI Acquisition Co., Inc., SFI Financial Technologies LLC, and Shareholder Representative Services LLCS-1333-257092June 14, 20212.3
2.4+Agreement and Plan of Merger and Reorganization, dated as of February 19, 2022, by and among SoFi Technologies, Inc., Technisys S.A., Atom New Delaware, Inc., Atom Merger Sub Corporation and Fortis Advisors LLC, as representative8-K001-39606February 24, 20222.1
3.1Certificate of Incorporation of SoFi Technologies, Inc.8-K001-39606June 4, 20213.1
3.2By-Laws of SoFi Technologies, Inc.8-K001-39606June 4, 20213.2
4.1Specimen Common Stock Certificate of SoFi Technologies, Inc.S-4/A333-252009February 10, 20214.6
4.2Form of Amended and Restated Warrant to Purchase Stock, by and among SoFi Technologies, Inc., Social Finance, Inc. and the Investor named thereinS-4333-252009January 11, 2021Annex M
4.3Indenture, dated as of October 4, 2021, between SoFi Technologies, Inc. and U.S. Bank National Association, as Trustee8-K001-39606October 4, 20214.1
4.4Form of Note representing the 0.00% Convertible Senior Notes due 2026 (included as Exhibit A)8-K001-39606October 4, 20214.2
4.5Description of Registered Securities10-K001-39606March 1, 20224.5
10.1Form of Confirmation for Capped Call Transactions8-K001-39606October 4, 202110.1
10.2Amended and Restated 2021 Stock Option and Incentive Plan and forms of agreement thereunder10-Q001-39606November 9, 202210.1
10.3Form of Subscription Agreement, by and between the Registrant and the undersigned subscriber party theretoS-4333-252009January 11, 2021Annex D
10.4Shareholders’ Agreement, dated as of May 28, 2021, by and among the Registrant, SCH Sponsor V LLC, and the parties identified on the signature pages thereto8-K001-39606June 4, 202110.4
10.5Amended and Restated Series 1 Preferred Stock Investors’ Agreement, dated as of January 7, 2021, by and among the Registrant and the investors listed on Schedule 1 theretoS-4333-252009January 11, 2021Annex H
10.6Amended and Restated Registration Rights Agreement, dated as of May 28, 2021, by and among the Registrant, SCH Sponsor V LLC, certain former stockholders of Social Finance, Inc., as set forth on Schedule 1 thereto, Jay Parikh, Jennifer Dulski and the parties set forth on Schedule 2 thereto8-K001-39606June 4, 202110.5
10.7Series 1 Registration Rights Agreement, dated as of May 28, 2021, by and among the Registrant and certain former stockholders of Social Finance, Inc., as set forth on Schedule 1 thereto8-K001-39606June 4, 202110.6
10.8Social Finance, Inc. 2011 Stock Plan and forms of agreements thereunderS-4333-252009January 11, 202110.17
10.9Director Deferred Compensation Plan of SoFi Technologies, Inc., effective as of January 1, 202310-Q001-39606May 10, 202310.1
10.10†Stadium Complex Cornerstone Naming Rights and Sponsorship Agreement, dated as of September 14, 2019, by and between Stadco LA, LLC and Social Finance, Inc.S-1333-257092June 14, 202110.12
10.11First Amendment to Stadium Complex Cornerstone Naming Rights and Sponsorship Agreement10-Q001-39606November 9, 202210.2
10.12Amended and Restated Revolving Credit Agreement, dated April 28, 2023, among SoFi Technologies, Inc., the lenders party thereto, the issuing banks party thereto and Goldman Sachs Bank USA, as administrative agent10-Q001-39606May 10, 202310.2
Exhibit No.DescriptionFormFile NumberDate of FilingExhibit/Annex Number Reference
10.13Office Lease One Tehama, dated as of August 6, 2018, by and between 246 First Street (SF) Owner LLC and Social Finance, Inc.S-1333-257092June 14, 202110.14
10.14First Amendment to Office Lease One Tehama, dated as of March 28, 2019, by and between 246 First Street (SF) Owner LLC and Social Finance, Inc.S-1333-257092June 14, 202110.15
10.15Amended and Restated Offer of Employment Letter dated as of February 26, 2018 by and between Social Finance, Inc. and Anthony NotoS-1333-257092June 14, 202110.16
10.16Offer Letter dated as of May 29, 2018 by and between Social Finance, Inc. and Christopher LapointeS-1333-257092June 14, 202110.17
10.17CFO Promotion Letter dated as of September 14, 2020 by and between Social Finance, Inc. and Christopher LapointeS-1333-257092June 14, 202110.18
10.18Offer Letter, dated as of June 22, 2021, by and between Social Finance, Inc. and Chad Borton10-Q001-39606May 10, 202310.3
10.19Offer Letter, dated as of April 21, 2022, by and between Social Finance, Inc. and Jeremy Rishel10-Q001-39606May 10, 202310.4
10.20Offer Letter, dated as of July 1, 2019, by and between Social Finance, Inc. and Aaron Webster10-Q001-39606May 10, 202310.5
10.21Form of Indemnification Agreement8-K001-39606June 4, 202110.1
21*List of Subsidiaries of the Registrant
23*Consent of Independent Registered Public Accounting Firm
31.1*Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
31.2*Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
32.1*Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
32.2*Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
97.1*Compensation Recovery Policy effective as of October 2, 2023
101.INS*Inline XBRL Instance Document - the instance document does not appear in the interactive data file because its XBRL tags are embedded within the Inline XBRL document
101.SCH*Inline XBRL Taxonomy Extension Schema Document
101.CAL*Inline XBRL Taxonomy Extension Calculation Linkbase Document
101.LAB*Inline XBRL Taxonomy Extension Label Linkbase Document
101.PRE*Inline XBRL Taxonomy Extension Presentation Linkbase Document
101.DEF*Inline XBRL Taxonomy Extension Definition Linkbase Document
104*Cover Page Interactive Data File (formatted as inline XBRL and contained in Exhibit 101)
  • Filed herewith.
  • Schedules and exhibits have been omitted pursuant to Item 601(a)(5) or 601(b)(2) of Regulation S-K. The Registrant agrees to furnish supplementally a copy of any omitted schedule or exhibit to the SEC upon request.

† Certain confidential portions (indicated by brackets and asterisks) have been omitted from this exhibit.

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