January 2008 Market Survey

Prosper's People-to-People Lending Market Survey results are released the second Tuesday of every month. To register to automatically receive the survey, send an email with "SUBSCRIBE" in the subject line to: p2plendingmarketsurvey@prosper.com.

Membership and Loan Volume Statistics

	January 2008	January 2007	Since Inception
New Members	37,121	19,675	575,249
Funded Loans	$7.2 million	$6.3 million	$116.2 million
Average Loan Size	$6,848	$6,152	$6,304
Daily Average Number of Borrower Listings	2,413	1,575	1,595

Estimated Annual Return on Prosper Select Index

	January 2008
Prosper Select Index	8.19%
Prime Select Index	8.75%
Near Prime Select Index	7.90%
Sub Prime Select Index	4.93%

Average Borrower Rates on Prosper Select Loans

	January 2008	December 2007	January 2007	Since Inception
Prime Select Loans	9.91%	9.80%	8.86%	10.06%
Near Prime Select Loans	16.80%	16.07%	14.60%	16.18%
Sub Prime Select Loans	28.39%	32.99%	21.46%	24.07%

Mix of Funded Borrowers

	January 2008	January 2007	Since Inception
Prime	40%	23%	31%
Near Prime	55%	53%	55%
Sub Prime	5%	24%	14%

Definitions

Since Inception: November 1, 2005 through January 31, 2008. Prosper's by invitation only "friends and family" launch began on November 1, 2005 and Prosper launched to the general public on February 13, 2006.

Prosper Select Index: The Prosper Select Index return is the estimated average annual return on invested principal, based on actual delinquency performance to date. The Prosper Select Index includes AA - E credit grade loans for borrowers whose credit reports at the time of application indicated zero current delinquencies, three or fewer credit inquiries, and a debt-to-income ratio of 40 percent or less. The annual return period reflects loans originated in the twelve month period ending one month prior to the observation date of January 31, 2008. Prime Select includes AA and A credit grade loans (credit scores of 720+). Near Prime Select includes B, C, D credit grade loans (credit scores between 600 and 719). Sub Prime Select includes E credit grade loans (credit scores between 560 and 599).

Average Borrower Rates: Average Borrower Rates are the weighted average borrower rates on Prosper Select Index loans with loan amounts between $5,000 and $10,000. Rates shown are interest rates, not annual percentage rates.

Mix of Funded Borrowers: Prime includes AA and A credit grade loans (credit scores of 720+). Near Prime includes B, C, D credit grade loans (credit scores between 600 and 719). Sub Prime includes E and HR credit grade loans (credit scores below 600).