Cycle-tested Leader with Massive Opportunity

Lending Club Consumer Loans Generate 2.5X Earnings of Traditional Bank Portfolios Annualized Risk Adjusted Margins1 9% 8% LC Consumer Bank 7.5% 7% 6% 5% 4% Traditional Bank ~3% 3% 2% 1% 0 2X+ LendingClub 1. Risk adjusted margins = net interest margins minus annualized net charge-offs Every $1B increase in LC Consumer portfolio delivers $45M higher risk- adjusted margin dollars per year 15

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