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Justin Gibson

Chief Audit Executive
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As the Chief Audit Executive, Justin provides independent assurance on the effectiveness of risk management activities and the strength of the overall control environment.

With foundations in both IT and financial audit, Justin has more than 25 years of audit and risk leadership experience across banking, tech, healthcare, and global enterprises. Prior to joining LendingClub, Justin served as Chief Audit Executive of First Republic Bank, where he built and led the audit organization, acting as a trusted advisor to the Board, CEO, and regulators.

Justin has also previously served on the Boards of both the San Francisco Institute of Internal Auditors (IIA) as well as the San Francisco Information Systems Audit and Control Association (ISACA). Justin holds a BA in Economics, with a minor in Accounting and specialization in Computing, from University of California, Los Angeles, and certifications as a Certified Public Accountant (CPA), Certified Information Systems Auditor (CISA), and Certified Information Systems Security Professional (CISSP).

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A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $24,046 for a term of 36 months, with an interest rate of 12.99% and a 6.00% origination fee of $1,443 for an APR of 17.37%. In this example, the borrower will receive $22,603 and will make 36 monthly payments of $810. Loan amounts range from $1,000 to $60,000 and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states. 

For Personal Loans, APR ranges from 6.53% to 35.99% and origination fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of November 7, 2025 and are subject to change without notice. 

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Unless otherwise specified, all credit and deposit products are provided by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit accounts are subject to approval. Deposit products are FDIC-insured up to $250,000 per depositor, per ownership category.

LendingClub,” the “LC” symbol, “TopUp,” and “DebtIQ” are trademarks of LendingClub Bank.

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