Make retirement savings your New Year’s resolution

Earn a bonus of up to $3,000 when you invest through a LendingClub IRA [Earn a bonus of up to $3,000]( [Earn a $3000 bonus when you invest through a LendingClub IRA]( [Dark blue box] Hi Lending Club Member, As we close out 2017 and head into the new year, we're sending a reminder to keep taxes and retirement planning in the back of your mind while enjoying your holiday festivities. Tax and retirement tips to consider: • Investing in Individual Retirement Accounts (IRAs) may result in potentially tax-deferred or tax-free growth of your money. • It's not too late—you can make 2017 IRA contributions through April 17, 2018. • LendingClub offers multiple IRA types; by investing in a [LendingClub IRA]( you may be able to grow your retirement investment and earn a bonus of up to $3,000.1 • You can contribute up to $5,500 per year to your IRA, and up to $6,500 if you're 50 or older.2 [Open an IRA]( Why is this important? Your financial retirement need is the amount of income you'll need to live off of and/or maintain the same standard of living you're accustomed to pre-retirement. The percentage of retirement income as compared to your pre-retirement income is your "income replacement ratio." For some, their ratio may be around 65%, for others, it may be as much as 90%.3 Yet half of households with people aged 55 and older have no retirement savings at all.4 There are many retirement account options out there to help you ensure you're one of those households with enough put away for retirement. Investing in a LendingClub IRA is one way to potentially earn solid returns5 to meet your retirement goals. What you need to know about LendingClub IRAs: • The performance of LendingClub Notes is tied to borrowers making monthly payments on the underlying loans. • As investors like you receive monthly principal and interest payments, you're able to reinvest that cash and potentially continue to earn more. Make reinvesting easy and select "[automated investing]( when you [open a LendingClub IRA](. • Through a LendingClub IRA, you're able to invest in LendingClub Notes which are tied to 3-and-5-year borrower loans. Getting started now gives you plenty of time to open your account and invest to make sure your contributions count for your 2017 tax year. Make a resolution to start 2018 on track for a healthy financial future. Combine the potential to earn solid returns5 through an investment in LendingClub Notes with the potential tax advantages of a retirement account.6 For a limited time, when you deposit New Funds and invest through a LendingClub IRA, you can earn a bonus of up to $3,000. When you deposit and invest... You can earn a bonus of... $5,000 - $9,999 $25 $10,000 - $24,999 $100 $25,000 - $49,999 $375 $50,000 - $99,999 $1,000 $100,000+ $3,000 [Open an IRA]( [Dark blue box] Questions? Our dedicated IRA support team is here to help as you open your account, feel free to reach out to us from 7 a.m. to 5 p.m. Monday - Friday at retire@lendingclub.com or [888-381-9309](tel:8883819309). 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]( 1 This offer is valid for either (a) new LendingClub IRA accounts that are opened and into which New Funds are deposited by April 30, 2018 and such New Funds are invested by June 30, 2018 or (b) existing LendingClub IRA accounts that deposit New Funds by April 30, 2018 and such New Funds are invested by June 30, 2018. For purposes of this offer, "New Funds" means the amount of increase in the Available Cash of an eligible IRA account (as displayed on the Summary account page) resulting from the deposit (in one or more deposits) of funds from an external source, such as a contribution, direct transfer, or rollover from an IRA custodian (i.e. excluding principal and interest received on Notes then held in such account, if applicable) (i) for existing LendingClub IRA accounts, from 11:59 PM on the date prior to LendingClub sending this email through the deposit deadline day listed above and (ii) for new LendingClub IRA accounts from the date of account registration through the deposit deadline day listed above. For purposes of this offer, "invest", "investment", or "investing" means funds have been used to purchase Notes through the LendingClub platform. Purchases of Notes on the Folio Investing Note Trading Platform* or any other secondary market do not qualify as investing. The amount of any bonus will be determined based on both the amount of New Funds transferred from external accounts before the deposit deadline day listed above and the amount of those New Funds invested by June 30, 2018. The account credit, if awarded, will be processed by August 31, 2018. Bonuses available: Transfer and invest $5,000 to $9,999 and get a $25 bonus to invest; transfer and invest $10,000 to $24,999 and get a $100 bonus to invest; transfer and invest $25,000 to $49,999 and get a $375 bonus to invest; transfer and invest $50,000 to $99,999 and get a $1,000 bonus to invest; transfer and invest $100,000 or more and get a $3,000 bonus to invest. Existing account balances will not be considered in determining eligibility for the amount of any bonus described in this offer. All bonuses are given as an account credit. All bonuses are for investment purposes only and will not be available for withdrawal or transfer from your LendingClub IRA account. Bonuses and account credits may be subject to U.S. withholding taxes and any taxes related to the bonus or credit are your responsibility. Maximum bonus is $3,000. Offer not valid for taxable accounts. One bonus per account. Bonus program may be changed or discontinued at any time without notice. Consult your tax professional regarding limits on contributions, depositing and rolling over qualified assets, and to determine whether an IRA may be the right choice for you. LendingClub does not provide investment advice, and the information presented here is not intended to be investment, tax, or legal advice. *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 Lending Club. 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.]( 2 Consult your tax professional regarding rules pertaining to IRA accounts. 3[( 4 Source: U.S. Government Accountability Office, 2015, [( 5 4.71% - 6.23% average historical returns for loan grades A through C as of September 30, 2017. To be included in the historical returns ("Historical Returns") calculation, a Note must have been originated prior to March 31, 2016. Historical Returns are LendingClub's adjusted net annualized returns ("Adjusted NAR") for Notes with Grades A through C. Adjusted NAR is calculated using the formula described [here](. Historical returns are based on actual borrower payments received each month, net of fees, actual charge offs, recoveries, and estimated future losses. To estimate future losses, we apply a charge-off rate estimate to the outstanding principal of any loans that are past-due but not charged off. The charge-off rate estimate is based on historical charge-off rates by loan status over a 9-month period. Historical performance is not a guarantee of future results. LendingClub Notes are not insured or guaranteed and investors may have negative returns. Individual portfolio results may be impacted by, among other things, the size and diversity of the portfolio, the exposure to any single Note, borrower or group of Notes or borrowers, as well as macroeconomic conditions. Notes are offered by prospectus filed with the SEC and investors should review the risks and uncertainties described in the prospectus prior to investing in the Notes. 6 LendingClub does not provide investment or tax advice and this information is not intended to be investment or tax advice. Consult a tax advisor or IRS guidelines if you have any questions and to determine any potential tax implications before taking a distribution from your IRA. [{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.