Cycle-tested Leader with Massive Opportunity

Bank Deposits Reduce Funding Costs and Enhance Resiliency 5% Funding Cost Comparison 2020 90% 4% 3.30% * Reduction in Funding Costs 3% 2% 1% 2021 0.35% * *Percentages represent approximate weighted averages LendingClub Expect $30M in savings for every $1B in deposit funding Access to a low-cost, diversified deposit franchise: ■ Bank acquisition adds $2B in deposit funding Lowers borrowing costs Reduces funding volatility Enables a more predictable, stable income stream 12

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