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© Copyright 2006-2020
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View Disclaimers
  • Investing in LendingClub Notes involves risk, including the risk of loss of principal. Compound-like returns may be achieved where the Notes you purchase perform as expected, you reinvest the returns you receive from those Notes by promptly purchasing additional Notes in the future, and the additional Notes you purchase also perform as expected. Compound-like returns may not be achieved for various reasons, such as borrower defaults. Read the prospectus carefully before investing.
  • Bureau of Labor Statistics CPI-U
  • As of April 10, 2020, grade D Notes are no longer available through the LendingClub Notes program.
  • Interest rates as of August 6, 2019.
  • Source: Morningstar, based on monthly total returns from January 1998-December 2007 and from January 2008-December 2016. “International Stocks” = MSCI ACWI ex USA Index, “Treasurys” = Barclays U.S. Treasury Index, “Investment Grade U.S. Bonds” = Barclays U.S. Corporate Investment Grade Index, “U.S. High Yield Bonds” = Barclays U.S. Corporate High Yield Index, “REITs” = FTSE NAREIT All Equity REITs Index, “Commodities” = S&P GSCI Index. Historical performance is not a guarantee of future results. A representative index for consumer credit is not displayed because there is not sufficient return history dating back to either 1998 or 2008.
  • Sources: Morningstar and Orchard Platform, based on monthly total returns for the 3-year period ending 3/31/2018.
  • Sources: Bloomberg and Orchard Platform, based on monthly total returns as of 3/31/2018. “Marketplace Lending” = Orchard Index, “Treasurys”= Bloomberg Barclays U.S. Treasury Index, “Short-Term Treasurys” = Bloomberg Barclays U.S. Treasury 1-3 Year Index, “U.S. Aggregate”= Bloomberg Barclays Aggregate Index, “U.S. Corporate Investment Grade”= Bloomberg Barclays Corporate Investment Grade Index, “Short-Term U.S. Investment Grade Credit” = Bloomberg Barclays 1-3 Year Credit Index, “U.S. Corporate High Yield”= Bloomberg Barclays U.S. Corporate High Yield Index, “Short-Term U.S. Corporate High Yield” = iShares 0-5 Year High Yield Corporate Bond ETF, “Municipal Bond”= Bloomberg Barclays Municipal Bond Index; “U.S. Mortgage Backed Securities”= Bloomberg Barclays U.S. Mortgage Backed Securities Index.
  • LendingClub's preferred IRA custodian is IRA Services Trust Company (ISTC). While ISTC charges an annual account fee of $40, LendingClub will pay the annual account fee on your behalf if within the first 12 months you maintain a balance of $5,500 or more invested in LendingClub Notes. As long as you maintain the $5,500 account balance requirement, LendingClub will continue to waive the annual account fee in subsequent years. All account balances are determined on the last calendar day of the month preceding the anniversary date of you opening your account. An annual account fee applies to accounts that don't meet the aforementioned minimum account balance requirements. LendingClub reserves the right to modify or discontinue this fee waiver at any time. For more information about ISTC's fees, please email retire@lendingclub.com.
  • As of June 30, 2020. Based on the performance of monthly vintages of personal loans grades A-C issued from May 2010 through March 2020. The chart shows the median, and 10th and 90th percentiles of returns as measured by ANAR and does not show the performance of monthly vintages below the 10th and above the 90th percentiles and, therefore, does not represent the complete range of performance.
  • As of June 30, 2020. Based on ANAR of retail investors with accounts holding 100+ Notes with a weighted average age of at least 12 months (weighted based on the dollar value of each Note relative to the total dollar value of the account) purchased in the primary market, grades A through C, and held to maturity.
  • Income verification for loans facilitated by LendingClub began in 2008. This percentage represents the amount of issued loans that have been either income or income-source verified since LendingClub began using these verification methods.
  • In the fourth quarter of 2018, tests were run to prove out a new verification process. Through the tests, a subset of applicants who were previously identified as higher risk were placed in the no verification needed (lower risk) or the source verification (medium relative risk) buckets. So far, the test has yielded early positive results, and we have seen flat or lower delinquency rates across the Prime Loan portfolio. This approach coincides with a trend that can be seen in the Prime Loan data.
  • “Charge-Off Rate” means the aggregate dollar amount of loan principal charged-off as a percentage of the aggregate dollar amount of loan principal for all loans issued in each stated year. Note that credit policies evolve over time, and each loan is subject to the credit policy in effect at the time of issuance. Past charge-off rates are not a guarantee of future charge-off rates or performance.
  • LendingClub does not provide investment or tax advice. The information on this website is not intended to be investment or tax advice. You should consult an investment, legal, and tax professional to determine which retirement account is right for you and to determine the potential tax implications before taking a distribution from your IRA.
  • Source: Kiplinger
  • Source: IRS
  • Folio Investments, Inc. ("Folio Investing") is a registered broker-dealer and member of FINRA and SIPC and operates the Note Trading Platform. Folio Investing is based in McLean, VA and is not affiliated with LendingClub. Folio Investing has no role in the original issuance of the Notes and is not responsible for and does not approve, endorse, review, recommend or guarantee the Notes or the accuracy, reliability, or completeness of any data or information about the Notes. See the Important Disclosures page for additional important information. More information about Folio Investing is available at www.folioinvesting.com.
  • This information is not intended as investment advice. You should consult your financial advisor if you have any questions or need additional information.
  • A Note is considered to be sold at par when the selling price equals the outstanding principal plus any interest accrued since the last monthly payment date.
  • Adjusted NAR, NAR, and all models and estimates are not guaranteed to be accurate and may differ materially from actual results. Historical performance is not a guarantee of future results. LendingClub Notes are not guaranteed or insured, and investors may lose some or all of the principal invested.
  • This information is not intended as investment advice. You should consult your financial advisor if you have any questions or need additional information.
  • "Effective interest rate" is equal to the borrower interest rate, reduced by LendingClub's estimate of the impact of uncollected interest prior to charge off. The estimate for uncollected interest prior to charge off is based on expected charge off rates and the typical time period prior to charge off when a borrower is not making interest and principal payments. Effective interest and charge off rates are subject to change. Expected charge off rates may not reflect actual charge off rates and individual results are likely to vary. This information is not intended to be investment advice or a promise of future results.
  • Folio Investments, Inc. ("Folio Investing") is a registered broker-dealer and member of FINRA and SIPC and operates the Note Trading Platform. Folio Investing is based in McLean, VA and is not affiliated with LendingClub. Folio Investing has no role in the original issuance of the Notes and is not responsible for and does not approve, endorse, review, recommend or guarantee the Notes or the accuracy, reliability, or completeness of any data or information about the Notes. More information about Folio Investing is available at www.folioinvesting.com.

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