Higher Returns in Fixed-Income Investments Investing in Consumer Notes. Renaud Laplanche Founder and CEO. Copyright 2009, Lending Club, Inc.
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1 Higher Returns in Fixed-Income Investments Investing in Consumer Notes Renaud Laplanche Founder and CEO Copyright 2009, Lending Club, Inc.
2 What We ll Cover Today Investing in Consumer Notes How Lending Club Works How You Can Start Investing Your Questions 2
3 Underserved Market: Prime Consumer Credit The Credit Crunch Creates a Significant Opportunity Credit cards companies raised rates on all cardholders, including the most creditworthy. Many prime borrowers are getting hit by rates up to 24% Creates inefficiencies in the marketplace, attractive opportunities for investors and borrowers 3
4 Lending Club eliminates the high cost and complexity of traditional banks. Lower Rates Higher Returns Creditworthy Borrowers Investors (as Lenders)
5 Lending Club Rates: Better Than a Bank Average Credit Card Rate 16%+ Banks Revenue & Charge Offs 13.5% Our Revenue & Charge Offs 9.75%* Average Our Borrowers Pay Our Investors Annual Returns Banks Pay Depositors 1.75% 5
6 Only Prime Borrowers Rigorous Standards Approve Less than 1 out of 10 Average 713 FICO Average 10% Debt -to-income No Current Delinquencies No More than 10 Inquiries Three Years of Credit History Knowledge-based Authentication Fraud -risk Scoring Income Verification Lending Club Credit Selection $45 Million $471 Million Issued Declined 6
7 High Standards Lead to Solid Returns 3% - Annual Charge Off Rate 75% - Late Payment Recovery In addition, Investors receive monthly payments of principal and interest over a 3-year term Trading platform provides liquidity and flexibility after notes are issued 7
8 New Asset Class with a Strong Track Record Monthly Returns: S&P 500 vs. Lending Club June 2007 to March 2009 Investment Average Monthly Return Lending Club 0.75% Bond Market (BND) 0.52% S&P % Lending Club S&P 500 LC BETA
9 Investing Offers Control and Ease of Use 1 Enter Investment Amount 2 Select Risk Sensitivity 3 Review & Confirm Order
10 You Can Review Details on Each Loan Review each loan s details
11 Transparency & Security Investors Buy Registered Securities Registered with the SEC Prospectus and sales reports available on Lending Club s Web site Monthly Notes Payments Are Automated 3-Year Term, Fully Amortized Automated monthly debit from borrowers accounts, credit to investors accounts Efficient Collections Fewer than average delinquency due to high borrower quality In case of late payments, internal collections team make daily contact Work with multiple collections agencies for 75% recovery Late fees applied to delinquent borrowers Secondary Market offers Liquidity Investors can sell Notes at any time on the secondary market 11
12 Lending Club s Been Making News
13 More About Lending Club > Established in 2006, located in Silicon Valley, California > Over $45 million in loans, with over 180,000 members > Only platform to be registered with the SEC and to feature a secondary market, providing liquidity to investors > Best performing platform in our industry, 9.6% avg. return > Experienced executive leadership 13
14 Lending Club AAII Special Offer Sign-up at lendingclub.com/aaii - If you invest $5k or more by July 31 (extended to August 30), you receive a 2% bonus into your Lending Club account - Same offer if you sign up for a Lending Club PRIME Investment Account Investor Hotline
15 Time for Your Questions Q&A Copyright 2009, Lending Club, Inc.
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