Raising 2022 Full Year Outlook

High Quality Prime Portfolio Driving Strong HFI Credit Performance1 Servicing Portfolio¹ 30+ Day Delinquencies HFI Portfolio³ 2.5% Avg. FICO 722 727 2.0% Avg. Income ($000)4 1.5% $112 $113 1.0% Avg. Debt- to-Income5 20% 19% 0.5% Avg. Coupon 13.1% 11.6% 0.0% HFI Portfolio³ Anticipated to converge with PL Prime over time PL Prime² Still below pre- pandemic but will normalize over time Jan Mar May Jul Sep Nov Jan Mar May Jul Sep Nov Jan Mar May Jul Sep Nov Jan Mar 2019 2020 2021 2022 Personal Loan Credit Performance PL Prime originations focused on customers with average FICO 700+ and average income $100K+ Delinquency rates remain well below pre-pandemic levels, beginning to normalize in-line with expectations Held for Investment (HFI) portfolio delinquencies growing as portfolio grows and matures High yielding avg. coupon rates drive net interest income as HFI portfolio grows and consumer asset mix increases 1) Metrics reflect prime personal loans and are outstanding balance weighted as of 03/31/22 2) Metrics Include all Serviced Prime Personal Loans as of 03/31/22 LendingClub 3) HFI refers to loans held for investment at LendingClub Bank 4) Represents applicant income on the average issued loan, which could include a co-borrower 5) Debt-to-Income ratio includes all credit bureau debt obligations except housing 15

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