LendingClub Notes Can Help Diversify Your Portfolio

Learn how the consumer credit asset class and LendingClub Notes can offer diversification benefits. [How LendingClub Notes Can Help Diversify Your Portfolio]( [LendingClub]( [5 strategies for using LendingClub notes]( Hi Lending Club Member, Portfolio diversification is top-of-mind for nearly all savvy investors. As a theory, its benefits are well documented. First documented in 1952 by Harry Markowitz, the idea is now called Modern Portfolio Theory. Markowitz showed that investors could reduce risk by holding a diversified portfolio of assets. Ever since, diversification has served as a guiding principle for many investors. Putting the theory into practice has become more challenging in recent years, as traditional diversifiers like high-yield bonds and commodities have become more correlated with US stocks. As such, it has become more difficult for investors to diversify via traditional investments. Consumer credit: A potential tool for diversification Investors might have a new tool to deploy in their quest for diversification: access to consumer credit. Traditionally, only banks and large institutions could access the consumer credit market—but today, LendingClub offers individual investors new access to an old asset. Why is access to consumer credit helpful? The diversification potential is primarily driven by the difference in underlying exposure: consumer credit is backed by individuals, while stocks and bonds are backed by corporations. The performance of consumer credit depends on the ability of borrowers to repay individual loans. Conversely, the performance of stocks and bonds largely depends on the ability of corporations to deliver profits and make good on their financial obligations. Another reason LendingClub Notes can potentially provide diversification benefits is because their value does not change daily like the rest of the market. Find out other ways investors can use Notes to make strides toward their investment objectives—like generating income and building long-term wealth-in our guide: [Five Strategies for LendingClub Notes](. [Read More]( As always, please reach out to us with any questions or concerns at [888-596-3159,](tel:8885963159) M-F, 7 am - 5 pm PT, or [investing@lendingclub.com.](mailto:investing@lendingclub.com) Best regards, The LendingClub Team Questions? Please call (888) 596-3159 7am-5pm, M-F or email us at investing@lendingclub.com. Find Us On [facebook]( [twitter]( [{EMAIL}]( is receiving this marketing-related message in association with an account registered at LendingClub and in accordance with its [Terms of Use](. Please [click here to unsubscribe]( from future mailings. Currently only residents of the following states may invest in LendingClub Notes: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NV, NY, OK, OR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, or WY. LendingClub Notes are issued pursuant to a [prospectus]( on file with the SEC. You should review the risks and uncertainties described in the [prospectus]( related to your possible investment in the Notes. LendingClub's mailing address is: LendingClub, 71 Stevenson, Suite 300, San Francisco, CA 94105.