Cycle-tested Leader with Massive Opportunity

☐ Combined Marketplace & Bank Platforms Drive Compelling Economic Benefits Access to stable deposits reduces funding volatility Low-cost deposits will enable highly profitable recurring revenue growth ☐ ☐ Bank charter allows us to save on substantial fees paid to third parties for originating loans Banking capabilities will allow us to invest in consumer loans, better aligning our interests with investors and driving marketplace efficiency Capital-light marketplace leverages our technology and allows us to serve a broader spectrum of borrowers LendingClub 11

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