Cycle-tested Leader with Massive Opportunity

Personal Loan Funding Driven Primarily by Marketplace, Complemented by LC Bank LendingClub Total Originated Consumer Loans Funding LC Bank (Low-cost deposits) LC Marketplace (Loan investor funding) LC Bank retains Prime portfolio representing 15-25% of total 2021 originations, building recurring revenue stream Marketplace continues to sell 75-85% of the origination volume 13

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