Document:

Form of Investor Agreement

 Exhibit 4.4 
 Investor Agreement 
 The following terms constitute a binding agreement
(“Agreement”) between you and LendingClub Corporation, a Delaware corporation (“LendingClub”, “we”, or “us”). This Agreement will govern all purchases of Member Payment Dependent Notes (Notes) that you may,
from time to time, make from LendingClub. Please read this Agreement, the terms of use (“Terms of Use”) on LendingClubs web site at www.Lendingclub.com and any subdomain thereof (the Site) and the Prospectus carefully and print and retain
a copy of these documents for your records. By signing electronically below, you agree to the following terms together with the Terms of Use, consent to our privacy policy, agree to transact business with us and receive communications relating to
the Notes electronically, and agree to have any dispute with us resolved by binding arbitration. 
 LendingClub has filed with the U.S.
Securities and Exchange Commission a registration statement on Form S 1 (No. 333-151827) (as amended from time to time, the “Registration Statement”) to register the continuous offering and sale of Notes issued by LendingClub. The
Registration Statement includes a prospectus related to the offering of the Notes by LendingClub (as supplemented from time to time, the Prospectus), which is available on the Site. The Registration Statement became effective on
October 10, 2008 pursuant to the rules and regulations of the U.S. Securities and Exchange Commission under the Securities Act of 1933, as amended. You acknowledge that the Registration Statement has been delivered to you. 

In consideration of the covenants, agreements, representations and warranties hereinafter set forth, and for other good and valuable consideration,
receipt of which is hereby acknowledged, it is agreed as follows: 
 1. Purchase of Notes. Subject to the terms and conditions of this
Agreement, we will provide you the opportunity through the Site: 
  

	 	•	 	 To review requests for consumer loans (“Member Loans”) that LendingClub has received from its borrower members (“Borrower
Members”); 

  

	 	•	 	 To purchase Notes with minimum denominations of $25 through the Site, each such Note associated with, and dependent on, a specific Member Loan; and

  

	 	•	 	 To instruct LendingClub to apply the proceeds from the sale of each Note you purchase to the funding of a specific Member Loan you have designated on
the Site. 

 The purchase price for any Notes you purchase through the Site will equal 100% of the principal amount of the
Notes that you decide to purchase. The Notes shall be issued pursuant to an indenture (the “Indenture”) between LendingClub and a trustee. 
 You must commit to purchase a Note through the Site to fund a Member Loan prior to the origination of that Member Loan. At the time you commit to purchase a Note you must have sufficient funds in your
account with LendingClub to complete the purchase, and you will not 

 
have access to those funds after you make a purchase commitment unless and until LendingClub has notified you that the Member Loan will not be funded. Once you make a funding commitment, it is
irrevocable regardless of whether the full amount of the Borrower Members loan request is funded. If the Member Loan does not close, then Lending Club will inform you and release you from your purchase commitment. 

2. Issuance. Each time you purchase a Note, it will be issued immediately following the closing of the Member Loan that you have designated
LendingClub to fund with the proceeds of your Note. Member Loans generally close at the end of their 14-day posting period unless (1) the Borrower Member declines the Member Loan prior to closing, in which case LendingClub will release you from
your purchase commitment; (2) lender commitments for the entire amount of the Borrower Members loan request have been received earlier, in which case the Member Loan will close earlier; or (3) the loan request is canceled by LendingClub
for reasons relating to the operation and integrity of the Site, for example if there is attempted fraud or the Borrower Member fails to verify information upon request by LendingClub. 
 3. Terms of the Notes. The Notes shall have the terms and conditions described in the Prospectus, the Indenture and the Note, which are exhibits to the Registration Statement of which the
Prospectus forms a part and which are available for you to review on the Site. The interest rate, maturity and other terms of the corresponding Member Loans will be described in the Borrower Members loan requests on the Site, Borrower Agreements,
Loan Agreements, and the corresponding Non-negotiable Promissory Notes. You understand and acknowledge that we may in our sole discretion, at any time and from time to time, amend or waive any term of a Member Loan, and we may in our sole discretion
cancel any Member Loan that is more than 120 days delinquent. 
 4. Limited Repurchase Obligation for Identity Fraud. If the Member Loan
you have designated for the proceeds of your purchase of a Note was obtained as a result of identity theft or fraud on the part of the purported Borrower Member, we will (a) notify you as soon as reasonably practicable upon our becoming aware
of such a situation; and (b) repurchase your Note by crediting your account on LendingClub for the full principal amount of your Note. We may, in our reasonable discretion, require proof of the identity theft, such as a copy of the police
report filed by the person whose identity was wrongfully used to obtain the fraudulently-induced Member Loan, before we credit your account and repurchase your Note. You agree that you will have no rights with respect to any such Notes except the
crediting of the purchase price to your LendingClub account. 
 5. Your Covenants and Acknowledgements. You agree that you have no right
to, and shall not, make any attempt, directly or through any third party, to collect from the Borrower Members on your Notes or the corresponding Member Loans. YOU UNDERSTAND AND ACKNOWLEDGE THAT BORROWER MEMBERS MAY DEFAULT ON THEIR PAYMENT
OBLIGATIONS UNDER THE MEMBER LOANS AND THAT SUCH DEFAULTS WILL REDUCE THE AMOUNTS, IF ANY, YOU MAY RECEIVE UNDER THE TERMS OF ANY NOTES YOU HOLD ASSOCIATED WITH SUCH MEMBER LOANS. You and LendingClub agree that the Notes are intended to be
indebtedness of LendingClub for U.S. federal income tax purposes. You agree that you will not take any position inconsistent with such 

 
treatment of the Notes for tax, accounting, or other purposes, unless required by law. You further acknowledge that the Notes will be subject to the original issue discount rules of the Internal
Revenue Code of 1986, as amended, as described in the Prospectus. You acknowledge that you are prepared to bear the risk of loss of your entire purchase price for any Notes you purchase. 
 6. Your Financial Suitability Acknowledgments, Representations, Warranties, and Covenants. You represent and warrant that you satisfy the minimum financial suitability standards applicable to the
state in which you reside; and you covenant that you will abide by the maximum investment limits, each as set forth below or as may be set forth in the Prospectus or any prospectus supplement on the Site. You agree to provide any additional
documentation reasonably requested by us, as may be required by the securities administrators or regulators of any state, to confirm that you meet such minimum financial suitability standards and have satisfied any maximum investment limits. You
understand and acknowledge that: (i) except as set forth in (ii) or (iii), you have an annual gross income of at least $70,000 and a net worth (exclusive of home, home furnishings and automobile) of at least $70,000; or (b) have a net
worth of at least $250,000 (determined with the same exclusions); (ii) if you reside in California, you (a) have an annual gross income of at least $85,000 and a net worth of at least $85,000 (exclusive of home, home furnishings and
automobile); (b) have a net worth of at least $200,000 (determined with the same exclusions); or (c) can invest no more than $2,500 in Notes if you do not meet either of the tests set forth in (a) or (b); or (iii) if you reside
in Kentucky, you are an “Accredited Investor” as determined pursuant to Rule 501(a) of Regulation D under the Securities Act of 1933, as described here (iv) regardless of your state of residence, you agree that you will not
purchase Notes in an amount in excess of 10% of your net worth, determined exclusive of the value of your home, home furnishings and automobile. You understand that the Notes will not be listed on any securities exchange, that there may be no, or
only a limited, trading platform for the Notes, that any trading of Notes must be conducted in accordance with federal and applicable state securities laws and that Note purchasers should be prepared to hold the Notes they purchase until the Notes
mature. 
 7. LendingClubs Representations and Warranties. LendingClub represents and warrants to you, as of the date of this Agreement
and as of any date that you commit to purchase Notes, that: (a) it is duly organized and is validly existing as a corporation in good standing under the laws of Delaware and has corporate power to enter into and perform its obligations under
this Agreement; (b) this Agreement has been duly authorized, executed and delivered by LendingClub; (c) the Indenture has been duly authorized by LendingClub and qualified under the Trust Indenture Act of 1939 and constitutes a valid and
binding agreement of LendingClub, enforceable against LendingClub in accordance with its terms, except as the enforcement thereof may be limited by applicable bankruptcy, insolvency or similar laws; (d) the Notes have been duly authorized and,
following payment of the purchase price by you and electronic execution, authentication and delivery to you, will constitute valid and binding obligations of LendingClub enforceable against LendingClub in accordance with their terms, except as the
enforcement thereof may be limited by applicable bankruptcy, insolvency or similar laws; (e) it has complied in all material respects with applicable federal, state and local laws in connection with the offer and sale of the Notes; and
(f) LendingClub has made commercially reasonable efforts to verify the identity of the Borrower Members obligated on the Member Loans that correspond to the Notes. 

 PAYMENT ON THE NOTES, IF ANY, DEPENDS ENTIRELY ON THE RECEIPT OF PAYMENTS BY LENDINGCLUB IN RESPECT OF THE
CORRESPONDING MEMBER LOAN. LENDINGCLUB DOES NOT WARRANT OR GUARANTEE IN ANY MANNER THAT YOU WILL RECEIVE ALL OR ANY PORTION OF THE PRINCIPAL OR INTEREST YOU EXPECT TO RECEIVE ON ANY NOTE OR REALIZE ANY PARTICULAR OR EXPECTED RATE OF RETURN. THE
AMOUNT YOU RECEIVE ON YOUR NOTE, IF ANY, IS SPECIFICALLY RESTRICTED TO PAYMENTS MADE BY US EQUAL TO THE PAYMENTS MADE BY THE BORROWER MEMBER UNDER A MEMBER LOAN TO WHICH YOU COMMITTED NET OF OUR ONE (1) PERCENT SERVICE CHARGE ON ALL BORROWER
PAYMENTS. LENDINGCLUB DOES NOT MAKE ANY REPRESENTATIONS AS TO A BORROWER MEMBER’S ABILITY TO PAY AND DOES NOT ACT AS A GUARANTOR OF ANY CORRESPONDING MEMBER LOAN PAYMENT OR PAYMENTS BY ANY BORROWER MEMBER. 

8. Your Representations and Warranties. You represent and warrant to LendingClub, as of the date of this Agreement and as of any date that you
commit to purchase Notes, that: (a) you have the power to enter into and perform your obligations under this Agreement; (b) this Agreement has been duly authorized, executed and delivered by you; (c) you have received the Prospectus,
the Indenture, and the form of the Note; (d) in connection with this Agreement, you have complied in all material respects with applicable federal, state and local laws; and (e) you have made your decisions in connection with your
consideration of any loan requests on the Site in compliance with the Equal Credit Opportunity Act, 15 U.S.C. 1601 et seq., and its implementing Regulation B, 12 C.F.R. 202 et seq., as such may be amended from time to time, and any applicable state
or local laws, regulations, rules or ordinances concerning credit discrimination. 
 9. No Advisory Relationship. You acknowledge and
agree that the purchase and sale of the Notes pursuant to this Agreement is an arms-length transaction between you and LendingClub. In connection with the purchase and sale of the Notes, LendingClub is not acting as your agent or fiduciary.
LendingClub assumes no advisory or fiduciary responsibility in your favor in connection with the purchase and sale of the Notes. LendingClub has not provided you with any legal, accounting, regulatory or tax advice with respect to the Notes. You
have consulted your own legal, accounting, regulatory and tax advisors to the extent you have deemed appropriate. 
 10. Limitations on
Damages. IN NO EVENT SHALL EITHER PARTY BE LIABLE TO THE OTHER PARTY FOR ANY LOST PROFITS OR SPECIAL, EXEMPLARY, CONSEQUENTIAL OR PUNITIVE DAMAGES, EVEN IF INFORMED OF THE POSSIBILITY OF SUCH DAMAGES. FURTHERMORE, NEITHER PARTY MAKES ANY
REPRESENTATION OR WARRANTY TO THE OTHER REGARDING THE EFFECT THAT THIS AGREEMENT MAY HAVE UPON THE FOREIGN, FEDERAL, STATE OR LOCAL TAX LIABILITY OF THE OTHER. 
 11. Further Assurances. The parties agree to execute and deliver such further documents and information as may be reasonably required in order to effectuate the purposes of this Agreement.

 12. Entire Agreement. Except as otherwise expressly provided herein, this Agreement represents the
entire agreement between you and LendingClub regarding the subject matter hereof and supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between us. 

13. Consent to Electronic Transactions and Disclosures. Because LendingClub operates only on the Internet, it is necessary for you to consent to
transact business with us online and electronically. As part of doing business with us, therefore, we also need you to consent to our giving you certain disclosures electronically, either via the Site or to the email address you provide to us. By
entering into this Agreement, you consent to receive electronically all documents, communications, notices, contracts, and agreements arising from or relating in any way to your or our rights, obligations or services under this Agreement (each, a
Disclosure). The decision to do business with us electronically is yours. This document informs you of your rights concerning Disclosures. 

Electronic Communications. Any Disclosures will be provided to you electronically through lendingclub.com either on our web site or via electronic mail
to the verified email address you provided. If you require paper copies of such Disclosures, you may write to us at the mailing address provided below and a paper copy will be sent to you. 
 Scope of Consent. Your consent to receive Disclosures and transact business electronically, and our agreement to do so, applies to any transactions to which such Disclosures relate. 

Consenting to Do Business Electronically. Before you decide to do business electronically with us, you should consider whether you have the required
hardware and software capabilities described below. 
 Hardware and Software Requirements. In order to access and retain Disclosures
electronically, you must satisfy the following computer hardware and software requirements: access to the Internet; an email account and related software capable of receiving email through the Internet; a web browser which is SSL-compliant and
supports secure sessions, such as Internet Explorer 5.0 or above and Netscape Navigator 6.0 or above, or the equivalent software; and hardware capable of running this software. 
 Withdrawing Consent. You may withdraw your consent to receive Disclosures electronically by contacting us at the address below. If you have already purchased one or more loans, all previously agreed to
terms and conditions will remain in effect, and we will send Disclosures to your verified home address provided during registration. 
 How to
Contact Us regarding Electronic Disclosures. You can contact us via email at compliance@lendingclub.com or by calling Member Support at 866-754-4094. You may also reach us in writing to us at the following address: LendingClub Corporation, 71
Stevenson St. Suite 300, San Francisco, CA 94105, Attention: Compliance. 
 You will keep us informed of any change in your email or home
mailing address so that you can continue to receive all Disclosures in a timely fashion. If your registered email address changes, you must notify us of the change by sending an email to support@Lendingclub.com or calling 866-754-4094. You also
agree to update your registered residence address and telephone number on the web site if they change. 

 You will print a copy of this Agreement for your records and You agree and acknowledge that you can access,
receive and retain all Disclosures electronically sent via email or posted on the Site. 
 14. Notices. All notices, requests, demands,
required disclosures and other communications from Lending Club to you will be transmitted to you only by e-mail to the e-mail address you have registered on the Site or will be posted on the Site, and shall be deemed to have been duly given and
effective upon transmission or posting. All notices, required disclosures and other communications from Wells Fargo Bank, National Association, the trustee under the Indenture for the Notes (the Trustee) to you will be transmitted to you only by
e-mail to the e-mail address you have registered on the Site. If your registered e-mail address changes, you must notify LendingClub promptly. You also agree to promptly update your registered residence/mailing address on the Site if you change your
residence. You shall send all notices or other communications required to be given hereunder to LendingClub via email at compliance@LendingClub.com or by writing to: LendingClub Corporation, 71 Stevenson St. Suite 300, San Francisco, CA 94105,
Attention: Compliance. You may call LendingClub at 866-754-4094, but calling may not satisfy your obligation to provide notice hereunder or otherwise preserve your rights. 
 15. Miscellaneous. The terms of this Agreement shall survive until the maturity of the Notes purchased by you. The parties acknowledge that there are no third party beneficiaries to this Agreement.
You may not assign, transfer, sublicense or otherwise delegate your rights or responsibilities under this Agreement to any person without LendingClub’s prior written consent. Any such assignment, transfer, sublicense or delegation in violation
of this section shall be null and void. This Agreement shall be governed by the laws of the State of New York without regard to any principle of conflict of laws that would require or permit the application of the laws of any other jurisdiction. Any
waiver of a breach of any provision of this Agreement will not be a waiver of any subsequent breach. Failure or delay by either party to enforce any term or condition of this Agreement will not constitute a waiver of such term or condition. If at
any time subsequent to the date hereof, any of the provisions of this Agreement shall be held by any court of competent jurisdiction to be illegal, void or unenforceable, such provision shall be of no force and effect, but the illegality and
unenforceability of such provision shall have no effect upon and shall not impair the enforceability of any other provisions of this Agreement. The headings in this Agreement are for reference purposes only and shall not affect the interpretation of
this Agreement in any way. 
 16. Arbitration. 
 a. Either party to this Agreement may, at its sole election, require that the sole and exclusive forum and remedy for resolution of a Claim be final and binding arbitration pursuant to this section
16 (the “Arbitration Provision”), unless you opt out as provided in section 16(b) below. As used in this Arbitration Provision, “Claim” shall include any past, present, or future claim, dispute, or controversy involving you (or
persons claiming through or connected with you), on 

 
the one hand, and LendingClub (or persons claiming through or connected with LendingClub), on the other hand, relating to or arising out of this Agreement, any Note, the Site, and/or the
activities or relationships that involve, lead to, or result from any of the foregoing, including (except to the extent provided otherwise in the last sentence of section 16(f) below) the validity or enforceability of this Arbitration Provision, any
part thereof, or the entire Agreement. Claims are subject to arbitration regardless of whether they arise from contract; tort (intentional or otherwise); a constitution, statute, common law, or principles of equity; or otherwise. Claims include
matters arising as initial claims, counter-claims, cross-claims, third-party claims, or otherwise. The scope of this Arbitration Provision is to be given the broadest possible interpretation that is enforceable. 

b. You may opt out of this Arbitration Provision for all purposes by sending an arbitration opt out notice to LendingClub Corporation, 71
Stevenson St. Suite 300, San Francisco, CA 94105, Attention: Loan Processing Department, that is received at the specified address within 30 days of the date of your electronic acceptance of the terms of this Agreement. The opt out notice must
clearly state that you are rejecting arbitration; identify the Agreement to which it applies by date; provide your name, address, and social security number; and be signed by you. You may send the opt out notice in any manner you see fit as long as
it is received at the specified address within the specified time. No other methods can be used to opt out of this Arbitration Provision. If the opt out notice is sent on your behalf by a third party, such third party must include evidence of his or
her authority to submit the opt out notice on your behalf. 
 c. The party initiating arbitration shall do so with the American
Arbitration Association (the “AAA”) or JAMS. The arbitration shall be conducted according to, and the location of the arbitration shall be determined in accordance with, the rules and policies of the administrator selected, except to the
extent the rules conflict with this Arbitration Provision or any countervailing law. In the case of a conflict between the rules and policies of the administrator and this Arbitration Provision, this Arbitration Provision shall control, subject to
countervailing law, unless all parties to the arbitration consent to have the rules and policies of the administrator apply. 
 d. If we
elect arbitration, we shall pay all the administrators filing costs and administrative fees (other than hearing fees). lf you elect arbitration, filing costs and administrative fees (other than hearing fees) shall be paid in accordance with the
rules of the administrator selected, or in accordance with countervailing law if contrary to the administrators rules. We shall pay the administrators hearing fees for one full day of arbitration hearings. Fees for hearings that exceed one day will
be paid by the party requesting the hearing, unless the administrators rules or applicable law require otherwise, or you request that we pay them and we agree to do so. Each party shall bear the expense of its own attorneys fees, except as otherwise
provided by law. If a statute gives you the right to recover any of these fees, these statutory rights shall apply in the arbitration notwithstanding anything to the contrary herein. 
 e. Within 30 days of a final award by the arbitrator, any party may appeal the award for reconsideration by a three-arbitrator panel selected according to the rules of the arbitrator administrator.
In the event of such an appeal, any opposing party may cross-appeal within 30 days after notice of the appeal. The panel will reconsider de novo all aspects of the initial award 

 
that are appealed. Costs and conduct of any appeal shall be governed by this Arbitration Provision and the administrators rules, in the same way as the initial arbitration proceeding. Any award
by the individual arbitrator that is not subject to appeal, and any panel award on appeal, shall be final and binding, except for any appeal right under the Federal Arbitration Act (FAA), and may be entered as a judgment in any court of competent
jurisdiction. 
 f. We agree not to invoke our right to arbitrate an individual Claim you may bring in Small Claims Court or an
equivalent court, if any, so long as the Claim is pending only in that court. NO ARBITRATION SHALL PROCEED ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS (INCLUDING AS PRIVATE ATTORNEY GENERAL ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR CLAIMS THAT
ARE THE SUBJECT OF THE ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR COULD HAVE BEEN ASSERTED) IN A COURT AS CLASS REPRESENTATIVE, OR COLLECTIVE ACTIONS IN A COURT. Unless consented to in writing by all parties to the arbitration, no party to the
arbitration may join, consolidate, or otherwise bring claims for or on behalf of two or more individuals or unrelated corporate entities in the same arbitration unless those persons are parties to a single transaction. Unless consented to in writing
by all parties to the arbitration, an award in arbitration shall determine the rights and obligations of the named parties only, and only with respect to the claims in arbitration, and shall not (a) determine the rights, obligations, or
interests of anyone other than a named party, or resolve any Claim of anyone other than a named party; nor (b) make an award for the benefit of, or against, anyone other than a named party. No administrator or arbitrator shall have the power or
authority to waive, modify, or fail to enforce this section 16(f), and any attempt to do so, whether by rule, policy, arbitration decision or otherwise, shall be invalid and unenforceable. Any challenge to the validity of this section 16(f) shall be
determined exclusively by a court and not by the administrator or any arbitrator. 
 g. This Arbitration Provision is made pursuant to a
transaction involving interstate commerce and shall be governed by and enforceable under the FAA. The arbitrator will apply substantive law consistent with the FAA and applicable statutes of limitations. The arbitrator may award damages or other
types of relief permitted by applicable substantive law, subject to the limitations set forth in this Arbitration Provision. The arbitrator will not be bound by judicial rules of procedure and evidence that would apply in a court. The arbitrator
shall take steps to reasonably protect confidential information. 
 h. This Arbitration Provision shall survive (i) suspension,
termination, revocation, closure, or amendments to this Agreement and the relationship of the parties; (ii) the bankruptcy or insolvency of any party or other person; and (iii) any transfer of any loan or Note or any other promissory
note(s) which you owe, or any amounts owed on such loans or notes, to any other person or entity. If any portion of this Arbitration Provision other than section 16(f) is deemed invalid or unenforceable, the remaining portions of this Arbitration
Provision shall nevertheless remain valid and in force. If an arbitration is brought on a class, representative, or collective basis, and the limitations on such proceedings in section 16(f) are finally adjudicated pursuant to the last sentence of
section 16(f) to be unenforceable, then no arbitration shall be had. In no event shall any invalidation be deemed to authorize an arbitrator to determine Claims or make awards beyond those authorized in this Arbitration Provision. 

 THE PARTIES ACKNOWLEDGE THAT THEY HAVE A RIGHT TO LITIGATE CLAIMS THROUGH A COURT BEFORE A JUDGE, BUT WILL
NOT HAVE THAT RIGHT IF ANY PARTY ELECTS ARBITRATION PURSUANT TO THIS ARBITRATION PROVISION. THE PARTIES HEREBY KNOWINGLY AND VOLUNTARILY WAIVE THEIR RIGHTS TO LITIGATE SUCH CLAIMS IN A COURT UPON ELECTION OF ARBITRATION BY ANY PARTY. 

17. Waiver of Jury Trial. THE PARTIES HERETO WAIVE A TRIAL BY JURY IN ANY LITIGATION RELATING TO THIS AGREEMENT, THE CORRESPONDING MEMBER LOAN OR
ANY OTHER AGREEMENTS RELATED THERETO.Form of Loan Agreement

 Exhibit 10.1 
 Loan Agreement 
 The following terms, together with your loan request on the Site, as
defined herein, constitute a binding agreement (the “Agreement”) between you and WebBank, a Utah-chartered industrial bank (“WBK,” “we,” or “us”). BY ELECTRONICALLY SIGNING THE AGREEMENT, YOU HAVE SIGNIFIED
YOUR AGREEMENT TO THESE TERMS. Under this Agreement, you agree to receive and repay one or more installment loans from us, through the website lending platform at www.Lendingclub.com, including any subdomains thereof (the “Site”)
operated by LendingClub Corporation, a Delaware corporation (“LendingClub”). These terms affect your rights and you should read them carefully and print a copy for your records. Your agreement to these terms means you agree to borrow and
repay the money if your loan is funded under the terms of this Agreement, consent to our privacy policy, agree to transact with us electronically, and agree to have any dispute with us resolved by binding arbitration. 

1. Loan Terms. Your loan will have a principal balance between $1,000 and $35,000 in the specific amount and on the terms set forth in the
disclosures provided to you (see the disclosures at http://www.lendingclub.com/account/truthInLending.action). You agree and acknowledge that the initial loan disclosures made to you are estimates (other than APR) and may be as much as 40%
less than the initially requested amounts. All loans are unsecured, fully-amortizing, closed-end loans with either a three (3)-year or five (5)-year term. Please see you Borrower Membership Agreement and other information provided to you in
connection with registering your loan request on the Site for additional details. Your obligations, including your obligation to repay principal and interest, are set forth in this Agreement and in the Note or Notes that you will make to us, as
described in section 3 below. 
 2. Credit Decisions. Your loan request must include your annual income and such other information as we
may obtain through the Site. We will consider public assistance, alimony, child support, or separate maintenance income as income if you choose to include such sources of income in your application and such income is likely to continue. We reserve
the right to verify any information you submit by requiring you to produce appropriate documentation or other proof, and also reserve the right to conduct such verification through a third party. You hereby authorize us to request and obtain data
from a third party to verify any information you provide to us in connection with your loan request. We may terminate consideration of your application at any time in our sole discretion. 
 3. Loan Funding and Closing. You may post a loan request on the Site, and LendingClub investors (“Investors”) will be able to review your loan request. Investors may commit funds to
purchase, in various amounts, Member Payment Dependent Notes (“MPDNs”) that LendingClub may issue to Investors who commit funds for your loan request. You acknowledge that a Investor’s commitment to purchase a MPDN corresponding to
all or a portion of your loan from us does not confer any rights to you. You understand that individual Investors make their own decisions whether to commit funds for your loan. LendingClub may also choose to commit funds for all or part of your
loan request but is not obligated to do so. 

 Your loan will close and issue, unless you notify us in writing of your election to terminate your loan
request sufficiently far in advance of the loan closing for us to cancel the loan, if: 
 (i) within 14 days following the posting of your loan
request, the aggregate amount of funding commitments through the Site fulfills your listed loan request in full, or 
 (ii) at the end of the 14
days following the posting of your unsecured loan request, the aggregate funding commitments through the Site are greater than or equal to 60% of your listed loan request but less than 100%. 
 If your loan request was listed prior to the above listed date, issuance of a partially funded loan is subject to your approval. 
 If at the end of the posting period for your loan request, the funding commitments through the Site are less than 60% of your original loan request, you may elect to: 

(i) accept this lesser amount at which point your loan will close, 
 (ii) cancel your loan request, or 
 (iii) cancel your loan request and relist it on the Site.

 Funding of your loan request might be available before the expiration of the 14-day period set forth above. In no event, will we be obligated
to notify you of the date upon which your loan may or will fund. 
 If we extend a loan to you, you agree to execute by power of attorney as
described below, and be bound by the terms set forth in, the form of promissory note attached as Exhibit A (the “Note”) as to your loan. You agree to execute multiple Notes if we request you do so, provided that the aggregate
principal amounts of such Notes shall equal the total amount of your loan. LendingClub will execute your Note(s) on your behalf pursuant to a power of attorney you grant to LendingClub when registering your loan request. You authorize us to disburse
the loan proceeds by Automated Clearing House (“ACH”) transfer to your designated account. Following our disbursement of the loan proceeds to you, we will assign the Note(s) and your loan to LendingClub. 

BY COMPLETING YOUR APPLICATION AND SUBMITTING YOUR LOAN REQUEST, YOU ARE COMMITTING TO OBTAIN A LOAN FROM US IN THE AMOUNT AND ON THE TERMS SET FORTH IN
YOUR AGREEMENTS WITH WBK (OR ITS ASSIGNEES) AND THE DISCLOSURES PROVIDED TO YOU IN CONNECTION WITH YOUR REQUEST, SHOULD YOUR REQUEST BE FUNDED. YOU HAVE NO RIGHT TO RESCIND THE LOAN ONCE MADE BUT YOU MAY PREPAY THE LOAN AT ANY TIME WITHOUT PENALTY.
We will not lend you any funds unless and until sufficient commitments are received from Investors and/or LendingClub. 

 4. Making Your Loan Payments. You authorize us and our successors and assigns to debit your
designated account by ACH transfer for the amount of each payment due on each due date. You may elect to make payments by personal check by contacting support@lendingclub.com or by regular mail at LendingClub Corporation, 71 Stevenson St.
Suite 300, San Francisco, CA 94105, Attention: Loan Processing Department. If you elect to make payments by check, you acknowledge and agree that there will be a $15 check processing fee per payment, subject to applicable law. If you elect to make
payments by check, you must send the check either (i) by regular mail to Lending Club Corporation, Dept #34268, P.O. Box 39000, San Francisco, CA 94139, or (ii) by overnight mail or UPS delivery to Wells Fargo Lock Box Services, Dept
#34268, 3440 Walnut Ave, Window H, Fremont, CA 94538. This authorization does not affect your obligation to pay when due all amounts payable on your loan, whether or not there are sufficient funds therefore in such accounts. The foregoing
authorization is in addition to, and not in limitation of, any rights of setoff we may have. With regard to payments made by automatic withdrawal, you have the right to stop payment of automatic withdrawals or revoke your prior authorization for
automatic withdrawals by notifying your financial institution at least three (3) banking days before the scheduled date of transfer. You must notify us of the exercise of your right to stop a payment or revoke your authorization for automatic
withdrawals at least three (3) banking days before the scheduled date of transfer. All payments are to be applied first to the payment of all fees, expenses and other amounts due (excluding principal and interest), then to accrued interest, and
the balance on account of outstanding principal; provided, however, that after an Event of Default (as defined below), payments will be applied to your obligations as we determine in our sole discretion. 

5. Other Borrower Obligations. You agree that you (A) are a US citizen or permanent resident and (B) will not, in connection with your
loan request: (i) make any false, misleading or deceptive statements or omissions of fact in your listing, including but not limited to in the loan title, or in your loan description; (ii) misrepresent your identity, or describe, present
or portray yourself as a person other than yourself; (iii) give to or receive from, or offer or agree to give to or receive from any LendingClub member or other person any fee, bonus, additional interest, kickback or thing of value of any kind
except in accordance with the terms of your loan; (iv) represent yourself to any person, as a representative, employee, or agent of ours, or purport to speak to any person on our behalf; (v) provide, in your loan request or in
communications on the Site related to your loan request, information upon which a discriminatory lending decision may be made, such as your race, color, religion, national origin, sex, marital status, age, any exercise of your consumer rights or the
existence of alimony, child support, or separate income (unless you have included such income in your application to be considered for loan qualification) or (vi) use any of the loan proceeds to fund any post-secondary educational expenses,
including, but not limited to, tuition, fees, books, supplies, miscellaneous expenses, or room and board (see Section 472 of 20 U.S.C. 1087ll
http://www.law.cornell.edu/uscode/search/display.html?terms=1087ll&url=/uscode/html/uscode20/usc_sec_20_00001087—ll000-.html for a complete list). You acknowledge and agree that we may rely without independent verification on the accuracy,
authenticity, and completeness of all information you provide to us. You certify that the proceeds of the loan will not be used for the purpose of purchasing or carrying any securities or to fund any illegal activity. 

 6. Fees. A non-refundable origination fee paid by you to LendingClub as provided under your agreement
with LendingClub will be deducted from your loan proceeds, so the loan proceeds delivered to you will be less than the full amount of issued your loan. You acknowledge that the origination fee will be considered part of the principal on your
loan and is subject to the accrual of interest. You agree to pay a fee of $15, if ACH transfers or checks are returned or fail due to insufficient funds in your account or for any other reason. Each attempt to collect a payment is considered a
separate transaction, so an unsuccessful payment fee will be assessed for each failed attempt. The bank that holds your designated account may assess its own fee in addition to the fee we assess. If any payment is more than 15 days late, we may
charge a late fee in an amount equal to the greater of 5% of the outstanding principal and interest or $15. If a payment is more than 30 days late, we shall charge such late fee. We will charge only one late fee on each late payment. These fees may
be collected using ACH transfers initiated by us from your designated account. Any such late fee assessed is immediately due and payable. Any payment received after 6:00 P.M., Mountain time, on a banking day is deemed received on the next succeeding
banking day. 
 7. Default and Termination. You will be deemed in default on your loan (each, an “Event of Default”) if you:
(1) fail to pay timely any amount due on your loan; (2) file or have instituted against you any bankruptcy or insolvency proceedings or make any assignment for the benefit of creditors; (3) die; (4) commit fraud or make any
material misrepresentation in this Agreement, the Note, or any other documents, applications or related materials delivered to us in connection with your loan; or (5) fail to abide by the terms of this Agreement. Upon the occurrence of an Event
of Default, we may exercise all remedies available to us under applicable law, this Agreement, and the Note, including without limitation (1) demand that you immediately pay all amounts owed on your loan or (2) terminate this Agreement.
Any loans you obtain prior to the effective date of termination resulting from listings you placed on the Site shall remain in full force and effect in accordance with their terms. 
 8. Collection & Reporting of Delinquent Loans. We reserve the right to report loan payment delinquencies at or in excess of 30 days to one or more consumer reporting agencies in accordance
with applicable law. You agree to pay all costs of collecting any delinquent payments, including reasonable attorneys’ fees, as permitted by applicable law. 
 9. Assignment of Your Loan. Following the closing of your loan you hereby agree that we may, without notice to you, (i) assign all of our right, title and interest in this Agreement to
LendingClub and (ii) assign your Note(s) to LendingClub. 
 10. NO GUARANTEE. WE DO NOT WARRANT OR GUARANTEE (1) THAT YOUR LOAN
REQUEST WILL BE FUNDED, OR (2) THAT YOU WILL RECEIVE A LOAN AS A RESULT OF POSTING A REQUEST. 
 11. Entire Agreement. This
Agreement and any Note represents the entire agreement between you and us regarding the subject matter hereof and supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between us with
respect to your loan request and loan. The WBK Privacy Notice attached as Exhibit B is incorporated by reference into this Agreement. 

 12. Consent to Electronic Transactions and Disclosures. THIS AGREEMENT IS FULLY SUBJECT TO YOUR
CONSENT TO ELECTRONIC TRANSACTIONS AND DISCLOSURES, WHICH CONSENT IS SET FORTH IN THE TERMS OF USE FOR THE SITE. 
 13. Notices. All
notices and other communications to you hereunder may be given by email to your registered email address or posted on the Site, and shall be deemed to have been duly given and effective upon transmission. You acknowledge that you have sole access to
such email account and your area on the Site and that communications from us may contain sensitive, confidential, and collections-related communications. If your registered email address changes, you must notify LendingClub of the change by sending
an email to support@lendingclub.com or calling 866-754-4094. You also agree to update your registered residence address and telephone number on the Site if they change. 
 14. NO WARRANTIES. EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT, WE MAKE NO REPRESENTATIONS OR WARRANTIES TO YOU, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR
FITNESS FOR A PARTICULAR PURPOSE. 
 15. LIMITATION ON LIABILITY. IN NO EVENT SHALL WE BE LIABLE TO YOU FOR ANY LOST PROFITS OR SPECIAL,
EXEMPLARY, CONSEQUENTIAL OR PUNITIVE DAMAGES, EVEN IF INFORMED OF THE POSSIBILITY OF SUCH DAMAGES. FURTHERMORE, WE MAKE NO REPRESENTATION OR WARRANTY TO YOU REGARDING THE EFFECT THAT THE AGREEMENT MAY HAVE UPON YOUR FOREIGN, FEDERAL, STATE OR LOCAL
TAX LIABILITY. 
 16. Miscellaneous. The parties acknowledge that there are no third party beneficiaries to this Agreement. You may not
assign, transfer, sublicense or otherwise delegate your rights or obligations under this Agreement to another person without our prior written consent. Any such assignment, transfer, sublicense or delegation in violation of this section 16 shall be
null and void. We are located in the state of Utah and this Agreement and the Note will be entered into in the state of Utah. The provisions of this Agreement will be governed by federal laws and the laws of the state of Utah to the extent not
preempted, without regard to any principle of conflicts of laws that would require or permit the application of the laws of any other jurisdiction. Any waiver of a breach of any provision of this Agreement will not be a waiver of any other
subsequent breach. Failure or delay by either party to enforce any term or condition of this Agreement will not constitute a waiver of such term or condition. If at any time after the date of this Agreement, any of the provisions of this Agreement
shall be held by any court of competent jurisdiction to be illegal, void or unenforceable, such provision shall be of no force and effect, but the illegality and unenforceability of such provision shall have no effect upon and shall not impair the
enforceability of any other provisions of this Agreement. The headings in this Agreement are for reference purposes only and shall not affect the interpretation of this Agreement in any way. 

 17. Arbitration. 
 a. Either party to this Agreement, or LendingClub, may, at its sole election, require that the sole and exclusive forum and remedy for resolution of a Claim be final and binding arbitration
pursuant to this section 17 (the “Arbitration Provision”), unless you opt out as provided in section 17(b) below. As used in this Arbitration Provision, “Claim” shall include any past, present, or future claim, dispute, or
controversy involving you (or persons claiming through or connected with you), on the one hand, and us and/or LendingClub (or persons claiming through or connected with us and/or LendingClub), on the other hand, relating to or arising out of this
Agreement, any Note, the Site, and/or the activities or relationships that involve, lead to, or result from any of the foregoing, including (except to the extent provided otherwise in the last sentence of section 17(f) below) the validity or
enforceability of this Arbitration Provision, any part thereof, or the entire Agreement. Claims are subject to arbitration regardless of whether they arise from contract; tort (intentional or otherwise); a constitution, statute, common law, or
principles of equity; or otherwise. Claims include matters arising as initial claims, counter-claims, cross-claims, third-party claims, or otherwise. The scope of this Arbitration Provision is to be given the broadest possible interpretation that is
enforceable. 
 b. You may opt out of this Arbitration Provision for all purposes by sending an arbitration opt out notice to LendingClub
Corporation, 71 Stevenson St., Suite 300, San Francisco CA, 94105, Attention: Loan Processing Department, which is received at the specified address within 30 days of the date of your electronic acceptance of the terms of this Agreement. The opt out
notice must clearly state that you are rejecting arbitration; identify the Agreement to which it applies by date; provide your name, address, and social security number; and be signed by you. You may send the opt out notice in any manner you see fit
as long as it is received at the specified address within the specified time. No other methods can be used to opt out of this Arbitration Provision. If the opt out notice is sent on your behalf by a third party, such third party must include
evidence of his or her authority to submit the opt out notice on your behalf. 
 c. The party initiating arbitration shall do so with the
American Arbitration Association (the “AAA”) or JAMS. The arbitration shall be conducted according to, and the location of the arbitration shall be determined in accordance with, the rules and policies of the administrator selected, except
to the extent the rules conflict with this Arbitration Provision or any countervailing law. In the case of a conflict between the rules and policies of the administrator and this Arbitration Provision, this Arbitration Provision shall control,
subject to countervailing law, unless all parties to the arbitration consent to have the rules and policies of the administrator apply. 

d. If we (or LendingClub) elect arbitration, we (or LendingClub, as the case may be) shall pay all the administrator’s filing costs and
administrative fees (other than hearing fees). lf you elect arbitration, filing costs and administrative fees (other than hearing fees) shall be paid in accordance with the rules of the administrator selected, or in accordance with countervailing
law if contrary to the administrator’s rules. We (or LendingClub, as the case may be) shall pay the administrator’s hearing fees for one full day of arbitration hearings. Fees for hearings that exceed one day will be paid by the party
requesting the hearing, unless the administrator’s rules or applicable law require otherwise, or you request that we (or LendingClub) pay them and we agree (or LendingClub agrees) to do so. Each party shall bear the expense of its own
attorneys’ fees, except as otherwise provided by law. If a statute gives you the right to recover any of these fees, these statutory rights shall apply in the arbitration notwithstanding anything to the contrary herein. 

 e. Within 30 days of a final award by the arbitrator, any party may appeal the award for
reconsideration by a three-arbitrator panel selected according to the rules of the arbitrator administrator. In the event of such an appeal, any opposing party may cross-appeal within 30 days after notice of the appeal. The panel will reconsider de
novo all aspects of the initial award that are appealed. Costs and conduct of any appeal shall be governed by this Arbitration Provision and the administrator’s rules, in the same way as the initial arbitration proceeding. Any award by the
individual arbitrator that is not subject to appeal, and any panel award on appeal, shall be final and binding, except for any appeal right under the Federal Arbitration Act (“FAA”), and may be entered as a judgment in any court of
competent jurisdiction. 
 f. We agree not to invoke our right to arbitrate an individual Claim you may bring in Small Claims Court or an
equivalent court, if any, so long as the Claim is pending only in that court. NO ARBITRATION SHALL PROCEED ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS (INCLUDING AS PRIVATE ATTORNEY GENERAL ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR CLAIMS THAT
ARE THE SUBJECT OF THE ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR COULD HAVE BEEN ASSERTED) IN A COURT AS CLASS REPRESENTATIVE, OR COLLECTIVE ACTIONS IN A COURT. Unless consented to in writing by all parties to the arbitration, no party to the
arbitration may join, consolidate, or otherwise bring claims for or on behalf of two or more individuals or unrelated corporate entities in the same arbitration unless those persons are parties to a single transaction. Unless consented to in writing
by all parties to the arbitration, an award in arbitration shall determine the rights and obligations of the named parties only, and only with respect to the claims in arbitration, and shall not (a) determine the rights, obligations, or
interests of anyone other than a named party, or resolve any Claim of anyone other than a named party; nor (b) make an award for the benefit of, or against, anyone other than a named party. No administrator or arbitrator shall have the power or
authority to waive, modify, or fail to enforce this section 17(f), and any attempt to do so, whether by rule, policy, arbitration decision or otherwise, shall be invalid and unenforceable. Any challenge to the validity of this section 17(f) shall be
determined exclusively by a court and not by the administrator or any arbitrator. 
 g. This Arbitration Provision is made pursuant to a
transaction involving interstate commerce and shall be governed by and enforceable under the FAA. The arbitrator will apply substantive law consistent with the FAA and applicable statutes of limitations. The arbitrator may award damages or other
types of relief permitted by applicable substantive law, subject to the limitations set forth in this Arbitration Provision. The arbitrator will not be bound by judicial rules of procedure and evidence that would apply in a court. The arbitrator
shall take steps to reasonably protect confidential information. 
 h. This Arbitration Provision shall survive (i) suspension,
termination, revocation, closure, or amendments to this Agreement and the relationship of the parties and/or LendingClub; (ii) the bankruptcy or insolvency of any party or other person; and (iii) any transfer of any loan or Note or any
other promissory note(s) which you owe, or any amounts owed on such loans or notes, to any other person or entity. If any portion of this Arbitration Provision other than section 17(f) is 

 
deemed invalid or unenforceable, the remaining portions of this Arbitration Provision shall nevertheless remain valid and in force. If an arbitration is brought on a class, representative, or
collective basis, and the limitations on such proceedings in section 17(f) are finally adjudicated pursuant to the last sentence of section 17(f) to be unenforceable, then no arbitration shall be had. In no event shall any invalidation be deemed to
authorize an arbitrator to determine Claims or make awards beyond those authorized in this Arbitration Provision. 
 THE PARTIES ACKNOWLEDGE
THAT THEY HAVE A RIGHT TO LITIGATE CLAIMS THROUGH A COURT BEFORE A JUDGE OR JURY, BUT WILL NOT HAVE THAT RIGHT IF ANY PARTY ELECTS ARBITRATION PURSUANT TO THIS ARBITRATION PROVISION. THE PARTIES HEREBY KNOWINGLY AND VOLUNTARILY WAIVE THEIR RIGHTS TO
LITIGATE SUCH CLAIMS IN A COURT BEFORE A JUDGE OR JURY UPON ELECTION OF ARBITRATION BY ANY PARTY. 
 Exhibit A 

NON-NEGOTIABLE PROMISSORY NOTE 
 Borrower
name and address:
                                         
                                         
       (not visible to investors) 

$                         
    

                    , 20_ 

For value received, I (“Borrower”) promise to pay to the order of WebBank or any subsequent holder (“you” or “Lenders”) of
this Promissory Note (the “Note”) the principal sum of                     
($            ) Dollars with interest as set forth below. I intend to be legally bound by this Note. I have read, understood, and agreed to all of the terms of this Note.

 Interest. This Note bears interest during each calendar month from the date hereof until paid, at a fixed rate of
             (%). Interest is calculated on a monthly basis upon the unpaid balance with each payment representing 1/12th of a year. 

Payments. Principal and interest is to be paid during and throughout the period of
             months in the following manner: 
 Payments of principal and
interest in the amount of                      ($            ) Dollars
are to be made by the Borrower to the Lender commencing                     , 20__, and on the same day of each successive month thereafter
until                     , 20__, when the full amount of unpaid principal, together with unpaid accrued interest is due and payable. If the
monthly anniversary is on the 29th, 30th, or 31st of the month, and the following month does not have a 29th, 30th, or 31st day, the monthly payment will be due on the last day of the month in which the payment was due. The last payment might be of
a slightly different amount to adjust for rounding. 

 All payments on this Note are to be made in immediately available lawful money of the United States.
Borrower authorizes Lender to debit Borrower’s designated account by Automated Clearing House (“ACH”) transfer for the amount of each payment due on each due date. Borrower may elect to make payments by personal check by contacting
support@lendingclub.com or by regular mail at LendingClub Corporation, 71 Stevenson St., Suite 300, San Francisco CA, 94105, Attention: Loan Processing Department. If Borrower elects to make payments by check, borrower acknowledges and agrees
that there will be a $15 check processing fee per payment, subject to applicable law. This authorization does not affect Borrower’s obligations to pay when due all amounts payable under this Note, whether or not there are sufficient funds
therefore in such accounts. The foregoing authorization is in addition to, and not in limitation of, any rights of setoff Lender may have. With regard to payments made by automatic withdrawal, Borrower has the right to stop payment of automatic
withdrawals or revoke Borrower’s prior authorization for automatic withdrawals by notifying Borrower’s financial institution at least three (3) banking days before the scheduled date of transfer. Borrower will notify Lender of the
exercise of Borrower’s right to stop a payment or revoke Borrower’s authorization for automatic withdrawals at least three (3) banking days before the scheduled date of transfer. All payments are to be applied first to the payment of
all fees, expenses and other amounts due to Lender (excluding principal and interest), then to accrued interest, and the balance on account of outstanding principal; provided, however, that after an Event of Default (as defined below), payments will
be applied to Borrower’s obligations as Lender determines in its sole discretion. 
 Fees and Charges. A non-refundable origination fee
paid by Borrower to LendingClub Corporation, in the amount and on the terms set forth in Borrower’s agreement with LendingClub Corporation, will be deducted from Borrower’s loan proceeds, so the loan proceeds delivered to Borrower will be
less than the full amount of Borrower’s loan request. Borrower acknowledges that the origination fee will be considered part of the principal of Borrower’s loan and is subject to the accrual of interest. Borrower agrees to pay a fee of $15
if ACH transfers or checks are returned or fail due to insufficient funds in Borrower’s account or for any other reason. Borrower acknowledges that the bank that holds Borrower’s designated account may charge a fee in addition to this fee.
Each attempt to collect a payment is considered a separate transaction, so an unsuccessful payment fee will be assessed for each failed attempt. If Borrower’s payment is more than 15 days late, Lender may charge a late fee in an amount the
greater of 5% of the outstanding payment or $15. If Borrower’s payment is more than 30 days late, Lender shall charge such late fee. These fees may be collected using ACH transfers initiated by us from Borrower’s designated account. Any
such late fee assessed is immediately due and payable. Any payment received after 6:00 P.M., Mountain time, on a banking day is deemed received on the next succeeding banking day. 
 Prepayments and Partial Payments. Borrower may make any payment early, in whole or in part, without penalty or premium at any time. Any partial prepayment is to be applied against the principal amount
outstanding and does not postpone the due date of any subsequent monthly installments, unless Lender otherwise agrees in writing. If Borrower prepays this Note in part, Borrower agrees to continue to make regularly scheduled payments until all
amounts due under this Note are paid. Lender may accept late payments or partial payments, even though marked “paid in full”, without losing any rights under this Note. 

 Use of Funds. Borrower certifies that the proceeds of the loan will not be used for the purpose of
purchasing or carrying any securities or to fund any illegal activity. 
 Default. Borrower will be deemed in default (each, an “Event of
Default”) of Borrower’s obligations under this Note if Borrower: (i) fails to pay timely any amount due under this Note; (ii) files or has instituted against Borrower any bankruptcy or insolvency proceedings or makes any
assignment for the benefit of creditors; (iii) dies; (iv) commits fraud or makes any material misrepresentation in this Note; or (v) fails to abide by the terms of this Note. Upon the occurrence of an Event of Default, Lender may
exercise all remedies available to it under applicable law, including demand upon Borrower to immediately pay all amounts due under this Note. Lender reserves the right to report loan payment delinquencies of 30 days or longer to one or more
consumer reporting agencies in accordance with applicable law. Borrower agrees to pay all costs of collecting any delinquent payments, including reasonable attorneys’ fees, as permitted by applicable law. 

Miscellaneous. 
 This Note is not negotiable.
Notwithstanding the foregoing, Lender may assign this Note, including without limitation, to LendingClub Corporation, without notice to Borrower. Borrower may not assign this Note without the prior written consent of Lender. This Note inures to the
successors, permitted assigns, heirs and representatives of Borrower and Lender. 
 Borrower hereby waives demand, notice of non-payment,
protest, and all other notices or demands whatsoever, and hereby consents that without notice to and without releasing the liability of any party, the obligations evidenced by this Note may from time to time, in whole or part, be renewed, extended,
modified, accelerated, compromised, settled or released by Lender. 
 Any changes to this Note must be in writing signed by Borrower and Lender.
Notices will be mailed electronically to the addresses provided. 
 Controlling Law. Lender is located in the State of Utah and this Note has
been executed and delivered in the State of Utah and is deemed a contract made under such state’s law. The provisions of this Note will be governed by federal laws and the laws of the State of Utah to the extent not preempted, without regard to
any principle of conflicts of law. The unenforceability of any provision of this Note shall not affect the enforceability or validity of any other provision of this Note. 
 STATE LAW NOTICES: 
 CALIFORNIA RESIDENTS ONLY: A married applicant may apply for a separate
account. If Lender takes any adverse action as defined by § 1785.3 of the California Civil Code and the adverse action is based, in whole or in part, on any information contained in a consumer credit report, Borrower has the right to obtain
within 60 days a free copy of Borrower’s consumer credit report from the consumer reporting agency who furnished the consumer credit report and from any other consumer credit reporting agency that complies and maintains files on consumers on a
nationwide basis. 

 CALIFORNIA AND UTAH RESIDENTS: As required by California and Utah law, Borrower is hereby notified that a
negative credit report reflecting on Borrower’s credit record may be submitted to a credit reporting agency if Borrower fails to fulfill the terms of Borrower’s credit obligations. 
 KANSAS (and IOWA residents if the principal amount of this loan exceeds $20,000): IMPORTANT: READ BEFORE SIGNING. THE TERMS OF THIS AGREEMENT SHOULD BE READ CAREFULLY BECAUSE ONLY THOSE TERMS IN
WRITING ARE ENFORCEABLE. NO OTHER TERMS OR ORAL PROMISES NOT CONTAINED IN THIS WRITTEN CONTRACT MAY BE LEGALLY ENFORCED. LENDER MAY CHANGE THE TERMS OF THIS AGREEMENT ONLY BY ANOTHER WRITTEN AGREEMENT. 

MARYLAND RESIDENTS ONLY: Lender elects to make this loan pursuant to Subtitle 10 (Credit Grantor Closed End Credit provisions) of Title 12 of the
Maryland Commercial Law Article only to the extent that such provisions are not inconsistent with Lender’s authority under federal law (12 U.S.C. § 85, § 1463(g), or § 1831d, as appropriate) and related regulations and
interpretations, which authority Lender expressly reserves. 
 MASSACHUSETTS RESIDENTS ONLY: Massachusetts law prohibits discrimination based
upon marital status or sexual orientation. 
 MISSOURI AND NEBRASKA RESIDENTS: ORAL LOAN AGREEMENTS OR COMMITMENTS TO LOAN MONEY, EXTEND CREDIT
OR TO FORBEAR FROM ENFORCING REPAYMENT OF SUCH DEBT, INCLUDING PROMISES TO EXTEND OR RENEW SUCH DEBT, ARE NOT ENFORCEABLE. TO PROTECT BORROWER(S) AND THE LENDER AND ANY HOLDER OF THIS NOTE FROM MISUNDERSTANDING OR DISAPPOINTMENT, ANY AGREEMENTS WE
REACH COVERING SUCH MATTERS ARE CONTAINED IN THIS WRITING, WHICH IS THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN US, EXCEPT AS WE MAY LATER AGREE IN WRITING TO MODIFY IT. 
 NEW JERSEY RESIDENTS: The section headings of the Note are a table of contents and not contract terms. Portions of this Note with references to actions taken to the extent of applicable law apply to acts
or practices that New Jersey law permits or requires. In this Note, actions or practices (i) by which Lender is or may be permitted by “applicable law” are permitted by New Jersey law, and (ii) that may be or will be taken by
Lender unless prohibited by “applicable law” are permitted by New Jersey law. 
 NEW YORK, RHODE ISLAND and VERMONT RESIDENTS:
Borrower understands and agrees that Lender may obtain a consumer credit report in connection with this application and in connection with any update, renewals for extension of any credit as a result of this application. If Borrower asks, Borrower
will be informed whether or not such a report was obtained, and if so, the name and address of the agency that furnished the report. Borrower also understands and agrees that Lender may obtain a consumer credit report in connection with the review
or collection of any loan made to Borrower as a result of this application or for other legitimate purposes related to such loans. 

 OHIO RESIDENTS ONLY: The Ohio laws against discrimination require that all creditors make credit equally
available to all credit-worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with the law. 

WISCONSIN RESIDENTS ONLY: For married Wisconsin residents, Borrower’s signature confirms that this loan obligation is being incurred in the interest
of Borrower’s marriage or family. No provision of any marital property agreement (pre-marital agreement), unilateral statement under § 766.59 of the Wisconsin statutes or court decree under § 766.70 adversely affects Lender’s
interest unless, prior to the time that the loan is approved, Lender is furnished with a copy of the marital property agreement, statement, or decree or have actual knowledge of the adverse provision. If this loan for which Borrower is applying is
granted, Borrower will notify Lender if Borrower has a spouse who needs to receive notification that credit has been extended to Borrower. 

SCREEN NAME OF BORROWER 
 BY: LENDINGCLUB
CORPORATION 
 ATTORNEY-IN-FACT FOR BORROWER 
 (SIGNED ELECTRONICALLY) 
 Exhibit B 

WBK PRIVACY NOTICE 
 FACTS 

WHAT DOES WEBBANK DO WITH YOUR PERSONAL INFORMATION IN CONNECTION WITH YOUR LENDINGCLUB ACCOUNT? 

Why? 
 Financial companies choose how they share
your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to
understand what we do. 
 What? 
 The
types of personal information we collect and share depend on the product or service you have with us. This information can include: 
  

	 	•	 	 Social Security number and transaction history 

  

	 	•	 	 Account balances and payment history 

  

	 	•	 	 Credit history and credit scores 

 When you are no longer our customer, we continue to share your information as described in this
notice. 
 How? 
 All financial
companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons WebBank chooses to share;
and whether you can limit this sharing. 
  

					
	Reasons we can share your personal information	  	Does
WebBank
share?	  	Can you limit
this sharing?
	 For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court
orders and legal investigations, or report to credit bureaus
	  	YES	  	NO
			
	 For our marketing purposes - to offer our products and services to you
	  	YES	  	NO
			
	 For joint marketing with other financial companies
	  	NO	  	We don’t
share
			
	 For our affiliates’ everyday business purposes - information about your transactions and experiences
	  	NO	  	We don’t
share
			
	 For our affiliates’ everyday business purposes - information about your creditworthiness
	  	NO	  	We don’t
share
			
	 For our affiliates to market to you
	  	NO	  	We don’t
share
			
	 For non-affiliates to market to you
	  	NO	  	We don’t
share

 Questions? 

Call (866) 754-4094 
 What we do

  

			
	 How does WebBank protect

my personal information?
	  	 To protect your personal information from unauthorized access and use, we use security measures that comply with federal
law.
  
 These measures include computer safeguards and secured files and
buildings.

		
	 How does WebBank collect

my personal information?
	  	 We collect your personal information, for example, when you

 
 •    Open an
account or pay us by check
  

•    Provide account information or give us your contact information

 
 •    Show your
driver’s license
  
 We also collect your personal information from
others, such as credit bureaus, affiliates, or other companies.

		
	Why can’t I limit all sharing?	  	Federal law gives you the right to limit only

 What we do 
  

			
		  	 •   Sharing for affiliates’ everyday business purposes-information
about your creditworthiness
  

•   Affiliates from using your information to market to you

 
 •   Sharing for
non-affiliates companies to market to you
  
 State laws and intdidual
companies may give you additional rights to limit sharing.

	What happens when I limit sharing for an account I hold jointly with someone else?	  	WebBank does not offer joint LendingClub accounts.
		
	Definitions	  	
		
	Affiliates	  	 Companies related by common ownership or control. They can be financial and nonfinancial companies.

 
 •   WebBank does not
share with our affiliates

		
	Non-affiliates	  	 Companies not related by common ownership or control. They can be financial and nonfinancial companies.

 
 •   WebBank does not
share with non-affiliates so they can market to you

		
	Joint marketing	  	 A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

 
 •   WebBank doesn’t
jointly market

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