Raising 2022 Full Year Outlook

Interest Income from HFI Portfolio Grew 19% QoQ as Consumer Loan Portfolio Momentum Builds Bank Average Held for Investment Balances¹ ($ in millions) Bank Interest Income from Held for Investment Loans² ($ in millions) ■Consumer Loans $91.4 ■Commercial/PPP Loans 3 $3,136 $2,923 $77.0 $10.8 $2,509 $843 $12.6 $2,284 $945 $57.6 $1,895 HFI Portfolio $1,054 $1,240 Drives Interest Income $13.4 $39.1 $80.7 $1,227 $2,293 $14.4 $64.4 $1,979 $15.3 $44.2 $1,455 $1,044 $8.7 $24.7 $668 $6.6 1Q21 2Q21 3Q21 4Q21 1Q22 1Q21 2Q21 3Q21 4Q21 1Q22 Bank HFI Balances (% QoQ) Consumer Loans Bank HFI Interest Income (% QOQ) 56% 39% 36% 16% Consumer Loans 273% 79% 46% 25% Commercial/PPP Loans HFI Total 1% (15%) (10%) (11%) Commercial/PPP Loans 66% (7%) (7%) (14%) 21% 10% 17% 7% HFI Total 155% 48% 34% 19% 1) LC Consumer Loans Held for Investment (including both unsecured and secured consumer loans) are net of deferred fees and amortization. Please see next page for additional detail. LendingClub 2) 1Q21 interest income includes 2 months of Radius Bank financials after the 02/01/2021 acquisition. 3) Commercial/PPP Loans includes PPP average balances that have declined from $621M in 1Q21 to $223M in 1Q22. 13

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