Diversification 101 With Lending Club Notes

Diversification is a simple but fundamental investing concept that spreading your invested dollars across a variety of assets helps to reduce exposure to any single investment. [Log In Now]( [Lendingclub logo]( Diversification 101 With Lending Club Notes Hi Lending Club Member, [Diversification]( is a simple but fundamental investing concept that spreading your invested dollars across a variety of assets helps to reduce exposure to any single investment. Or put differently - don't put all your eggs in one basket. Diversification is a key to building a portfolio of Lending Club Notes. As historical Lending Club data show, 99% of accounts that hold 100 or more Notes of relatively equal size have seen positive returns.† Tracking the Impact of Note Diversification The chart above1 shows the difference between accounts that have 100 Notes or more (with no Note representing more than 1% of the total account value) and those that have fewer than 100 Notes (with some Notes representing more than 1% of the total account value). Want to see how many Notes you own in your Lending Club account? [Log in]( to review your portfolio. To learn more about diversification, visit the Lending Club blog post on [Diversification 101 in Marketplace Lending.]( [Learn More]( All the best, Lending Club Questions? Please call (888) 596-3159 7am-5pm, M-F or email Support at investing@lendingclub.com. Find Us On [facebook]( [twitter]( †As of December 31, 2016. Based on adjusted net annualized return (Adjusted NAR) of current retail investors with a portfolio containing 100+ Notes, none of which have been purchased or sold on the Folio Investing Note Trading Platform**, where the portfolio concentration is one percent or less (i.e. no Note constitutes greater than one percent of the total portfolio value) and the portfolio has a weighted average age of at least 12 months (weighted based on the dollar value of each Note relative to the total dollar value of the portfolio, where the age of each Note is measured as of the purchase date of such Note). Adjusted NAR is calculated using the formula described [here.]( This information is not intended to be investment advice. Historical performance is not a guarantee of future results. Actual results may differ materially from historical data. Lending Club Notes are not guaranteed or insured, and investors may lose some or all of the principal invested. Individual portfolio results may be impacted by, among other things, the size and diversity of the portfolio, 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 you should review the risks and uncertainties described in the prospectus prior to investing in the Notes. 1 As of December 31, 2016. Based on adjusted net annualized return (Adjusted NAR) of the following populations: (1) current retail investors with a portfolio containing 100+ Notes, none of which have been purchased or sold on the Folio Investing Note Trading Platform**, where the portfolio concentration is one percent or less (i.e. no Note constitutes greater than one percent of the total portfolio value) and the portfolio has a weighted average age of at least 12 months (weighted based on the dollar value of each Note relative to the total dollar value of the portfolio, where the age of each Note is measured as of the purchase date of such Note) and (2) current retail investors with a portfolio containing less than 100 Notes, none of which have been purchased or sold on the Folio Investing Note Trading Platform*, where the portfolio concentration is greater than one percent (i.e. some Note(s) constitute greater than one percent of the total portfolio value) and the portfolio has a weighted average age of at least 12 months (weighted based on the dollar value of each Note relative to the total dollar value of the portfolio, where the age of each Note is measured as of the purchase date of such Note). Adjusted NAR is calculated using the formula described [here.]( This information is not intended to be investment advice. Historical performance is not a guarantee of future results. Actual results may differ materially from historical data. Lending Club Notes are not guaranteed or insured, and investors may lose some or all of the principal invested. Individual portfolio results may be impacted by, among other things, the size and diversity of the portfolio, exposure to any single Note, Borrower, or group of Notes or Borrowers, as well as macroeconomic conditions. [{EMAIL}]( is receiving this marketing-related message in association with an account registered at Lending Club 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 Lending Club 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. Lending Club 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. Lending Club's mailing address is: Lending Club, 71 Stevenson, Suite 300, San Francisco, CA 94105.