Marketplace Investor Performance

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July 15 - December 31 2009 Loans
Prosper Rating	#	Amount	Average Loan Size	Lender Yield	Estimated Loss	Estimated Return	Weighted Average Credit Score
AA-B:	886	$4,891,704	$5,521	10.44%	2.16%	8.29%	779
C-E:	938	$3,345,492	$3,567	23.92%	9.19%	14.73%	701
HR:	210	$649,100	$3,091	28.85%	21.75%	7.10%	668
Total AA-HR:	2034	$8,886,296	$4,369	16.86%	6.24%	10.62%	742

Estimated Returns* All Loan Originations July 15 - December 31 2009

*Estimated Return: Lender Yield - Estimated Loss

Originations from July 15 - Dec 31, 2009:

AA-B	$4,891,704	55%
C-E	$3,345,492	38%
HR	$649,100	7%
Total	$8,886,296	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:	913,862		Annualized Rate
Originated Loans:	$178,588,322*	Prosper Rating	Lender Yield	Credit Loss	Outstanding Principal Balance:	$29,042,395
Number of Loans:	28,949*	AA - B:	8.93%	3.21%	Current Loans: (<= 30 days past due)	$25,884,961
Average Loan Size:	$6,169	C - E:	12.21%	10.67%	Current Loans: (<= 30 days past due)
		HR:	14.29%	24.37%	Late Loans: (31-120 days past due)	$3,157,434
Average Borrower Rates (≥640 Credit Score):	14.5%	Total AA - HR:	13.09%	18.18%	Late Loans: (31-120 days past due)
Average Borrower Rates (<640 Credit Score):	23.7%	<640 and not scored:	16.80%	23.39%	*excludes 64 loans that were repurchased

Prosper - The Loans Marketplace