* Estimated Return is the projected annual return on funds invested in model portfolio plans. While Estimated Return takes into account the projected impact of credit losses based on historical data, the calculation requires significant assumptions about the repayment of loans. Lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance. Learn more.

The $50 sign up bonus may not be immediately withdrawn and will expire on December 31, 2009 if it is not invested by bidding on loan listings.

All loans are made by WebBank, a Utah-chartered Industrial Bank.

Notes offered by Prospectus. Notes investors receive are dependent for payment on loans to borrowers. Not FDIC-insured; Investments may lose value; No Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.