Privileged & Confidential Copyright 2009, Lending Club,
Inc. The Rise of Peer Lending Extending Micro Lending to
Creditworthy Borrowers in the US June 26, 2009
Slide 2
Privileged & Confidential 2 = Why cant investors do good
and make money at the same time?
Slide 3
Privileged & Confidential Lending Club Extends Microfinance
MICROFINANCE REACH GlobalUS BORROWERS Unbanked -or- thin credit
history Creditworthy borrowers: 713 average FICO score 3 year
credit history min No delinquencies INVESTORS Principal back 9.82%
average annualized returns (as of 6/25) 3
Slide 4
Privileged & Confidential Lending Club Is Better Than a
Bank 4 Our Investors Annual Returns Banks Pay Depositors 9.82%*
1.75% 13.5% Banks Revenue & Charge Offs Our Revenue &
Charge Offs Average Our Borrowers Pay 16%+ Average Credit Card
Rate
Slide 5
Privileged & Confidential 5 Our Borrowers Get Better
Rates
Slide 6
Privileged & Confidential Stephanie: Needed To Go Beyond
Microloans 6
Slide 7
Privileged & Confidential Ryan: Wanted Alternative to Home
Equity 7
Slide 8
Privileged & Confidential David: Fulbright Scholar
Investing in Development HIV Research in Africa Recycle plant in
Uganda 8
Slide 9
Privileged & Confidential Our Investors Are Now the Bank 9
Lt. Peter Jakubowski NYFD paramedic Howard Rubenstein Retired from
banking industry Eric Di Benedetto Principal at angel investment
firm
Slide 10
Privileged & Confidential Investors Earn 9.82% Average Net
Annualized Returns 10
Slide 11
Privileged & Confidential Invest in Hundreds of Loans in
Seconds 11 1 Enter Investment Amount 1 Enter Investment Amount 2
Select Risk Sensitivity 2 Select Risk Sensitivity 3 Review &
Confirm Order 3 Review & Confirm Order
Slide 12
Privileged & Confidential Lending Club is Gaining Momentum
12 thousandinvestors 16 85 % more investors since Jan million in
issued loans issued loans $42 Lending Club is one of the Top 20
breakthrough ideas of 2009.
Slide 13
Privileged & Confidential The Press Is Buzzing Investors
Turn to Peer Lending a large market for Web sites that pair people
with money to loan with those who need to borrow has opened up. May
22, 2009, Associated Press Lending Club, now one of the best known
of a batch of companies that have added Web-enabled peer to peer
lending to the ways that individuals can borrow money. May 14,
2009, New York Times Magazine Lending Club is the most advanced of
the US peer to peer lenders. April 24, 2009, Reuters 13
Slide 14
Privileged & Confidential > Established in 2006 in
Silicon Valley > Over $42 million in loans, with over 145,000
members > Only platform to be registered with the SEC and to
feature a secondary market, providing liquidity to investors >
Experienced executive leadership > Recommendation Rate of 89%
from existing customers > Award winning website and product More
About Lending Club 14
Slide 15
Privileged & Confidential Copyright 2009, Lending Club,
Inc. The Rise of Peer Lending June 26, 2009
