Year-end Lender Statement

Tax reporting information

• Account name: The name under which taxes will be reported for this account.
• Account type: If the account is not held by an individual, this field will be displayed with the entity type.
• Tax reporting number: The tax reporting number (typically Social Security number) under which lending activity will be reported to tax authorities.

Lending summary

• Start of year principal balance: The total principal balance of all loans held on the first day of the calendar year.
  Note: The start of year balance may be lower than the previous year's end of year balance because of non-standard (usually collection agency or paper check) payments which were applied to the previous year's balances after the previous year's end of year statement was delivered.
• End of year principal balance: The total principal balance of all loans held on the last day of the calendar year.
• Principal payments received: The total amount in principal payments received from borrowers during the calendar year. This value does not include principal payments which are in transit on the last day of the calendar year.
• Interest payments received: The total amount in interest payments received from borrowers during the calendar year. This value does not include interest payments which are in transit on the last day of the calendar year.
• Late fee payments received: The total amount in late fee payments received from borrowers during the calendar year. This value does not include late fee payments which are in transit on the last day of the calendar year.
• Service fees paid: The total amount in lender servicing fees paid during the calendar year. This value does not include lender servicing fees which will be paid on payments in transit on the last day of the calendar year.
• Collection fees paid: The total amount in collection agency fees paid during the calendar year. This value does not include collection agency fees which will be paid on payments in transit on the last day of the calendar year.
• Referral awards received: The total amount of referral awards received during the calendar year. If you did not receive any referral awards, this line item will not appear.

Loans held

Specific columns include:

• Loan ID: The unique ID of each loan held. This can be matched to the loan ID displayed on the web site.
• Origination date: The origination date, or start date, of the loan.
• Payment status: The payment status of each loan as of the last day of the calendar year.
• Principal loaned: The original amount, or principal, loaned to the borrower on the origination date.
• Start of year principal balance: The total principal balance of the loan on the first day of the calendar year. If the loan originated during the current calendar year, then this field will be empty.
• Start of year principal payments in transit: The total amount in principal payments which were in transit (not yet received by the lender) on the first day of the calendar year.
• End of year principal balance: The total principal balance of the loan on the last day of the calendar year. If the loan was paid in full or sold to a debt buyer during the current calendar year, then this field will be empty.
• End of year principal payments in transit: The total amount in principal payments which are in transit (not yet received by the lender) on the last day of the calendar year.
• Principal payments received: The total amount in principal payments received from the borrower during the calendar year. This value does not include principal payments which are in transit on the last day of the calendar year.
• Interest payments received: The total amount in interest payments received from the borrower during the calendar year. This value does not include interest payments which are in transit on the last day of the calendar year.
• Late fee payments received: The total amount in late fee payments received from the borrower during the calendar year. This value does not include late fee payments which are in transit on the last day of the calendar year.
• Service fees paid: The total amount in lender servicing fees paid during the calendar year. This value does not include lender servicing fees which will be paid on payments in transit on the last day of the calendar year.
• Collection fees paid: The total amount in collection agency fees paid during the calendar year. This value does not include collection agency fees which will be paid on payments in transit on the last day of the calendar year.

Loan sale summary

• Pre-sale principal balance: The total principal balance of all loans sold to default or repurchased at the point before they were sold.
• Net proceeds from sale: The total amount recovered from loan sales and forfeited group leader rewards during the calendar year.

Loans repurchased by Prosper

• Loan ID: The unique ID of each loan repurchased. This can be matched to the loan ID displayed on the web site.
• Purchase date: The date the loan was purchased by the lender.
• Purchase price: The principal balance of the loan was on the purchase date.
• Repurchase date: The date the loan was repurchased by Prosper.
• Pre-repurchase principal balance: The total principal balance of the loan at the point before it was repurchased.
• Net proceeds from repurchase: The total amount received from Prosper in the repurchase.

Loans sold to debt buyer

• Loan ID: The unique ID of each loan sold. This can be matched to the loan ID displayed on the web site.
• Purchase date: The date the loan was purchased by the lender.
• Purchase price: The principal balance of the loan was on the purchase date.
• Sale date: The date the loan was sold to a debt buyer.
• Pre-sale principal balance: The total principal balance of the loan at the point before it was sold to a debt buyer.
• Proceeds from sale to debt buyer: The total amount recovered from the sale of the loan to a debt buyer.
• Proceeds from forfeited group rewards: If the borrower is a member of a group that took group leader rewards, this column displays the lender's share of the forfeited group rewards upon sale.
• Net proceeds from sale: The total amount received from the debt buyer and forfeited group leader rewards.