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      "text": "1. Reflects projected lifetime economic value to LendingClub from one-time and repeat borrowers of LendingClub's personal loan product.\n2. LendingClub internal data as of August 31, 2025.\n3. LendingClub ratings in the Apple App Store and Google Play store as of October 1, 2025.\n4. APY as of November 1, 2025.\n5. Based on July to September 2025 actuals.\n6. LendingClub survey of 217 LevelUp Checking account holders and concurrent or subsequent borrowers conducted August 2025.",
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      "text": "Products that Attract Members for Life (continued)\n7. Rate across LendingClub’s unsecured lending businesses as of Q3 2025.\n8. Average based on total number of loans issued to borrowers who took out more than two loans, 2015-2023.\n9. Based on credit manual income verification population size. Increase in conversion due to improved document verification time translates to approximately 9,000 loans annually based on Q3 2025 volume.\n10. Mintel, Q3 2025 estimated marketing spend for two leading competitors vs. LendingClub. Spend encompasses paid social, online video, display, direct mail, and paid search.\n11. Based on LendingClub internal survey 3 months following launch of the TopUp product.\n12. Based on TransUnion data for FICO 660-780 with $30K average loan size (as of August 31, 2025)\n13. Members save over $2,400 on average by refinancing their auto loan. Based on the average experience of similarly situated borrowers who refinanced their existing auto loans (“Original Auto Loans”) with Auto Refinancing Loans from LendingClub Bank (“Auto Refi Loans”) between January 2024 and December 2024. For this period, the average estimated remaining interest charges of Original Auto Loans was $8,482, and the average potential interest charges of corresponding Auto Refi Loans obtained by borrowers was $5,985, which represents a reduction in potential interest charges of $2,497.",
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      "text": "14. Industry estimates and LendingClub internal data.\n15. Joint Center for Housing Studies of Harvard University, 2025.\n16. Estimated total opportunity associated with TAM for personal loans, auto refinance, large purchase financing, and home improvement financing.",
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