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Prosper is a leading online destination in peer-to-peer lending. We bring together people who want to borrow money with investors. Borrowers are able to get
personal loans at competitive rates, and lenders enjoy open and transparent online investing through Prosper's marketplace.

July 15 - September 30 2009 Loans
Prosper Rating # Amount Average Loan Size Lender Yield Estimated Loss Estimated Return Average Credit Score
AA-B: 272 $1,303,846 $4,794 10.20% 2.35% 7.86% 760
C-E: 268 $769,396 $2,871 21.74% 8.87% 12.87% 672
HR: 45 $109,997 $2,444 27.08% 21.35% 5.73% 657
Total AA-HR: 585 $2,183,239 $3,732 15.12% 5.60% 9.52% 712



Estimated Returns*   All Loan Originations July 15 - September 30 2009


*Estimated Return: Lender Yield - Estimated Loss

Originations from July - Sept 30, 2009:

AA-B $1,303,846 60%
C-E $769,396 35%
HR $109,997 5%
Total $2,183,239 100%
Legend
 

Prosper Ratings

The minimum credit score for new borrowers on Prosper is 640+. Prosper now uses Prosper Ratings instead of credit grades. Prosper Ratings are based on the estimated average annualized net loss rate of a listing.

Prosper Rating AA A B C D E HR
Est Avg Annualized Net Loss Rate ≤ 1.99% 2.00 – 3.99% 4.00 – 5.99% 6.00 – 8.99% 9.00 – 11.99% 12.00 – 14.99% ≥ 15.00%
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