Peer to Peer Lending (P2P Lending) is a new way to lend and borrow money online with others. Think “I got a loan, online” (for borrowers) and “I just became a banker” (for lenders) – and…. you begin to see. Where do these models eventually lead? Towards an online “digital financial network” – managed by you and me. Borrowers receive bank-competitive interest rates and lenders can yield bank-like returns on invested funds. Thousands of individuals lend as little as $25 per borrower. You don’t have to “know” anyone to receive a loan. Privacy, security, and legal compliance are built in. More than $500 million in P2P personal loans issued to date. P2P Loans are a new portfolio asset class. Diversify by investing into large pools of FICO pre-qualified borrowers. P2P allows Social Lending: You may opt to transact with friends and family to foster a generational wealth effect.

New Investors: Get an x% cash bonus on investment in select Prosper Personal Loans. Details after signup. New Borrowers: Get an Apple iPod2, too! This is a limited time offer. — Get a P2P loan today to qualify:

Peer to Peer Lending & Peer to Peer Loans Comparison Chart:

P2P Lending Sites:	|	|
Peer to Peer (P2P) Loan Types:
Personal Loans	$1,000 to $35,000	$2,000 to $25,000
Small Business Loans	Up to $35,000	Up to $25,000
Debt Consolidation Loans	Up to $35,000	Up to $25,000
Interest Rates & Terms for P2P Loans:
Loan Interest Rates (Fixed Rates)	6.78% to 25.41%	5.65% to 35.64%
Available Loan Terms (Fixed Terms)	3 or 5 Years	1, 3, or 5 Years
Penalties for Early Repayment of Loan	(Charged to Investors, via Servicing Fee)	None
Loan Origination Fee (Deducted from Loan Amount)	2.00% to 5.00%	0.50% to 4.50%
P2P Borrower Eligibility Requirements:
Minimum Credit Score to Get a Loan	660 (TransUnion)	640 (Experian)
States Where P2P Loans Are Available to Borrowers	42 States (Except: IA, ID, IN, ME, MS, ND, NE, TN)	47 States (Except: IA, ME, ND)
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Select a Peer to Peer Lending & Peer to Peer Loan Provider:	|	|
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Peer to Peer Lending Marketplace Information for Investors:

Peer to Peer Market Platform Statistics:
Total Dollar Volume of Loans Funded per Market	$423,751,275	$278,678,262
Total Number of Loans Funded to Date per Market	39,830	46,266
Total Number of Individual & Institutional Participants per Market	Not Disclosed	1,180,000+ Accounts
Cumulative Note Return Performance per Market for 2009 Vintage	4.62% *	8.34% *
Types of Loans Available for Investment:
Personal Loans
Small Business Loans
Debt Consolidation Loans
Peer to Peer (P2P) Loan Investment Fees:
Loan Payment Servicing Fee (Charged to Investors)	1% of Every Payment (Including Interest)	1% of Outstanding Principal Balance (Annually)
P2P Investing Eligibility Requirements & Account Types
States Where P2P Lending Is Approved (Per Platform)	CA, CO, CT, DE, FL, GA, HI, ID, IL, KY, LA, ME, MN, MO, MS, MT, NH, NV, NY, RI, SC, SD, UT, VA, WA, WI, WV, WY	AK, CA, CO, CT, DE, FL, GA, HI, ID, IL, LA, ME, MN, MO, MS, MT, NH, NV, NY, OR, RI, SC, SD, UT, VA, WA, WI, WY
Secondary Trading Market for P2P Investments:
P2P Loan Trading on FolioFN Transaction Platform
Transaction Fee (Per Note) for Trading via FolioFN	1.00% of Sale Price	1.00% of Sale Price
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Peer to Peer Lending & Peer to Peer Loans:	Lending Club |	Prosper Marketplace |
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The information contained in this chart comes from the websites of the P2P Lending providers listed and is current as of 11/27/11. Rates & fees are variable and are not APR calculations. Please consult your Peer to Peer Loan provider for further information. * Cumulative return percentages in this chart are pulled from LendStats.com, an independent third-party statistics site which uses public data from both markets to perform a methodologically transparent return calculation. Cumulative return percentages listed are not an implicit or explicit guarantee of investor performance. Peer-Lend.com does have a financial relationship with both Prosper and LendingClub and may receive revenue when visitors to this site complete certain actions, such as opening an account. Peer-Lend.com derives no revenue from the purchase or sale of notes offered by the platforms and has no equity interest in and owns no notes issued by either entity.