1. Privileged & Confidential Copyright 2009, Lending Club, Inc. The Rise of Peer Lending Extending Micro Lending to Creditworthy Borrowers in the US June 26, 2009

2. Privileged & Confidential 2 = Why can’t investors “do good” and make money at the same time?

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

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

5. Privileged & Confidential 5 Our Borrowers Get Better Rates

6. Privileged & Confidential Stephanie: Needed To Go Beyond Microloans 6

7. Privileged & Confidential Ryan: Wanted Alternative to Home Equity 7

8. Privileged & Confidential David: Fulbright Scholar Investing in Development  HIV Research in Africa  Recycle plant in Uganda 8

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

10. Privileged & Confidential Investors Earn 9.82% Average Net Annualized Returns 10

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

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.”

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

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

15. Privileged & Confidential Copyright 2009, Lending Club, Inc. The Rise of Peer Lending June 26, 2009