{
  "docId": "019dd923-5eff-723e-9be4-4ff55c532153",
  "docSlug": "d566adcfe9e9361f",
  "documentTitle": "2025 Investor Day",
  "authorId": "LendingClub",
  "authorName": "LendingClub",
  "documentKindSlug": "consulting-deck",
  "documentKindLabel": "Consulting deck",
  "sourceTypeSlug": "strategy_consulting",
  "sourceTypeLabel": "Strategy consulting",
  "presentationDate": null,
  "orientation": "landscape",
  "aspectRatio": 1.778,
  "pageNumber": 136,
  "pageCount": 141,
  "prevPage": 135,
  "nextPage": 137,
  "slideType": "appendix_disclosure",
  "function": "appendix",
  "density": "balanced",
  "nDataPoints": 0,
  "notes": null,
  "elementsJson": [
    "headline_text",
    "numbered_list"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5eff-723e-9be4-4ff55c532153/136",
  "deckHref": "/decks/019dd923-5eff-723e-9be4-4ff55c532153",
  "deckJsonHref": "/decks/019dd923-5eff-723e-9be4-4ff55c532153.json",
  "deckAnchorHref": "/decks/019dd923-5eff-723e-9be4-4ff55c532153#slide-136",
  "components": [
    {
      "bbox": {
        "h": 0.25,
        "w": 0.42,
        "x": 0.07,
        "y": 0.6
      },
      "kind": "list",
      "text": "Best of Both Worlds: Digital Marketplace Bank: 1. Average credit card APR of 22.83%. 2. Average LendingClub Personal Loans APR and Net Asset Yield represents current internal estimates.",
      "attrs": null,
      "subkind": "numbered",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "598533b7-d569-4979-a5ab-552318fc4f7f",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.35,
        "w": 0.42,
        "x": 0.07,
        "y": 0.22
      },
      "kind": "list",
      "text": "Engineered for Innovation: 1. Based on 2024 production data. 2. 630 credit changes made by the Credit Team over 2023 and 2024. 3. Based on estimated personal loans operations costs comparing Q3-23 to Q3-25. 4. 96% reduction in time for document verification. 5. Based on 12-week average prior to AI deployment.",
      "attrs": null,
      "subkind": "numbered",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "ba881c82-d40b-4f8c-80cf-5d5136055362",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.65,
        "w": 0.42,
        "x": 0.51,
        "y": 0.22
      },
      "kind": "list",
      "text": "3. Benchmark rates as of 10/31/2025. 4. Net asset yield across asset classes based on internal estimates. 5. Coupon, origination fee, acquisition and servicing costs. 6. Data provided by dv01 for informational purposes only. 7. Balance sheet funding costs. 8. Net asset yield and funding costs.",
      "attrs": null,
      "subkind": "numbered",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "dd4e6ff6-0109-4138-9bbe-3be54157c57b",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.15,
        "x": 0.07,
        "y": 0.11
      },
      "kind": "title",
      "text": "Footnotes",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "6d4c9d09-32a0-4018-9ba0-48a1c79719e3",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [],
  "frameworks": [],
  "arcBeats": [],
  "loops": [],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}