Investing in the Future. Investing in the Future. Scott Sanborn, President & CEO
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1 Investng n the Future Investng n the Future Scott Sanorn, Presdent & CEO
2 Safe Haror The nformaton ncluded n ths presentaton s ntended to provde a general overvew of trends and potental developments for the marketplace lendng ndustry as a whole. Nothng n ths presentaton s ntended to announce plans, products or programs specfc to Lendng Clu. You should not place undue relance on the statements n ths presentaton regardng Lendng Clu s future plans, ntentons, or expectatons. Actual plans, ntentons, or expectatons could dffer materally from the ndustry trends and potental developments ncluded n ths presentaton. The words "antcpate," "eleve," "estmate," "expect," "ntend," "may," outlook, "plan," "predct," "project," "wll," "would" and smlar expressons may dentfy forward-lookng statements, although not all forward-lookng statements contan these dentfyng words. Lendng Clu does not assume any olgaton to update any forwardlookng statements, whether as a result of new nformaton, future events or otherwse, except as requred y law. Informaton n ths presentaton s not an offer to sell securtes or the solctaton of an offer to uy securtes, nor shall there e any sale of securtes n any jursdcton n whch such offer, solctaton or sale would e unlawful pror to regstraton or qualfcaton under the securtes laws of such jursdcton. Addtonal nformaton aout Lendng Clu s avalale n the prospectus for Lendng Clu s notes, whch can e otaned on Lendng Clu s weste at
3 R.I.P. 2016
4 Onlne Lenders See Cash Crunch Cracks Are Appearng n Fntech Lenders CNBC Feruary 19, 2016 Fnancal Tmes May 11, 2016 U.S. Onlne Lendng Platforms Suffer Fall n Volumes New Growth Plan for Onlne Lenders: Layoffs Fnancal Tmes August 25, 2016 Wall Street Journal July 7,
5
6 #1 U.S. personal loans #1 U.S. student loan refnancng #1 U.S. onlne small usness loans Lendng Clu, Lendng Clu Reports Fourth Quarter and Full Year 2016 Results 6
7 Low-Cost Operatons 1995 Onlne Experence Access Technology delvers new value to consumers 7
8 New players and ncuments see opportunty and rush to get onoard Store 8
9 Bezos has not revolutonzed the ook ndustry at all Once Wal-Mart decdes to go after Amazon, there s no contest... Wal- Mart has resources Amazon can t even dream aout. Barron s, Amazon.Bom May
10 New players and ncuments see opportunty and rush to get onoard Store 10
11 Can Amazon Be Saved? Jeff Bezos wrtes a new scrpt. Too ad for nvestors t s more fcton than fact. Fortune Novemer
12 Annual E-Commerce Sales Amazon $100B Fastest company to reach $100B n sales Wal-Mart Apple Staples 4x Macy's Amazon 2015 Letter to Shareholders; WWD, Amazon, Wal-Mart Lead Top 25 E-commerce Retal Lst 12
13 Dsrupton Evoluton Expanson Dsrupton 13
14 Strengthenng The Industry Evoluton Improvng Customer Experence Dsrupton Expanson Evoluton Dsrupton 14
15
16 Evolve customer experence Unleash platform potental Amplfy core nnovatons
17 Evolve customer experence Unleash platform potental Amplfy core nnovatons
18 Platform Evolve Thrd Party Essentals customer experence Thrd Party One-clck Loans Thrd Party Thrd Party Thrd Party 18
19 Evolve Thrd Party customer experence One-clck Loans Thrd Party Thrd Party Thrd Party Secondary Market Thrd Party Marketplace Platform 19
20 Evolve Thrd Party customer experence Thrd Party One-clck Loans Dynamc Prcng Thrd Party Secondary Market Thrd Party $ $ $ Thrd Party 20
21 Evolve customer experence Unleash platform potental Amplfy core nnovatons
22 Borrower Prvate Equty Credt Card Lne of Credt Real Estate Auto Student Small Busness Personal Savngs Insurance Investng Payments Investor 22
23 SERVICING DECISIONING PRICING MARKETING VERIFICATION 23
24 Borrower On-Demand Servces Investor 24
25 Evolve customer experence Unleash platform potental Amplfy core nnovatons
26
27 SERVICING DECISIONING PRICING ACQUISITION VERIFICATION 27
28 28
29 Evolve customer experence Unleash platform potental Amplfy core nnovatons
30 30
31 Early Borrowers Early Retal Investors New Fntech Ventures
32 Early Borrowers Manstream Borrowers Incuments Early Retal Investors Insttutonal Investors Estalshed Fntech frms New Fntech Ventures 2017 Dedcated Funds Banks Accountng Frms Data Provders Aggregators 32
33 Early Borrowers Manstream Borrowers Incuments Early Retal Investors Insttutonal Investors Estalshed Fntech frms New Fntech Ventures 2027 Dedcated Funds Banks Accountng Frms Data Provders Aggregators 33
34 Jon us n creatng what s next
35
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