Marketplace Investor Performance

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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%

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%

To view additional performance data, click here.

Prosper Members:	837,651		Annualized Rate
Originated Loans:	$178,613,322*	Prosper Rating	Lender Yield	Credit Loss	Outstanding Principal Balance:	$39,785,689
Number of Loans:	28,950*	AA - B:	8.95%	2.52%	Current Loans: (<= 30 days past due)	$35,001,279
Average Loan Size:	$6,170	C - E:	12.09%	9.49%	Current Loans: (<= 30 days past due)
		HR:	14.26%	23.45%	Late Loans: (31-120 days past due)	$3,920,456
Average Borrower Rates (≥640 Credit Score):	14.5%	Total AA - HR:	13.08%	17.41%	Late Loans: (31-120 days past due)
Average Borrower Rates (<640 Credit Score):	23.7%	<640 and not scored:	16.75%	23.08%	*excludes 63 loans that were repurchased

Prosper - The Loans Marketplace