LendIt USA 2015 | Agenda at a Glance Tuesday, April 14th Morning Conference Program Main Track Track 2 Company Demo Track China Pavilion Level 6, Broadway Ballroom Level 7, Astor Ballroom Level 7, SoHo Complex Level 6, Majestic Complex Time (10 Mins. Time Presentation Time Presentation Each Presentation Time Presentation Unless Noted) Breakfast 9:28 am Finexkap Sponsored by Logical Glue Global Online Lending Leaders 7:30 am 9:30 am Afluenta, Harmoney, Millennium Trust, - Ovamba, SocietyOne, 9:40 am The Interface Financial Group 10:00 am Moderator: Foundation Capital

8:30 am 9:53 am CircleBack Lending - Opening Remarks 8:40 am Small Business Lending Innovators 10:05 am 10:06 am The Credit Junction 8:40 am Signature Keynote ApplePie Capital, Bond Street, - - LiftForward, Lighter Capital, Renaud Laplanche, Lending Club 10:35 am 9:25 am StreetShares, 10:19 am Lenddo Moderator: Overland Advisors 9:25 am Market Analysis: Morning Coffee Break Global Overview - 10:35 am Sponsored by Lend Academy 9:45 am Peter Renton, Lend Academy Morning Coffee Break - Morning Coffee Break 10:35 am Sponsored by Lend Academy 11:05 am 10:35 am Sponsored by Lend Academy Consumer Lending: - - The Quest for Scale 11:05 am 11:05 am 9:50 am Credit Karma, Lending Club, 11:08 am Orchard Platform - LendingTree, Loftopia, Prosper 10:35 am Marketplace, Moderator: Goldman Sachs Q&A* starts at 11:05 am The Financial Advisor’s Approach FastPay 11:05 am to Marketplace Lending 11:21 am Morning Coffee Break - IRA Exchange, LendingRobot, NSR 10:35 am Sponsored by Lend Academy 11:25 am Invest, Moderator: Nexus Strategies - 11:34 am Funding Circle 11:05 am

11:30 am Trends in Credit Underwriting 11:47 am Upstart Hot Button Issues in Earnest, Equifax, FICO, LendUp, 11:05 am Online Lending - - 12:00 pm Orchard Platform, Moderator: Jefferies Nyca Partners, SoFi, TransUnion, SoFi 11:50 am Moderator: QED Investors 12:00 pm

Partnering with Banks Big Data and the Future 12:13 pm LiftForward 12:05 pm 11:55 am Alliance Partners, BlueYield, Citigroup, of Financing 11:55 am State of the Union Address for the Lending Club, LendKey, Union Bank, - Avant, Fundera, OnDeck, RetailCapital, Chinese Internet Finance Market - 12:35 pm - 12:35 pm Moderator: Oliver Wyman Upstart, Moderator: Orchard Platform ID Analytics 12:35 pm Ning Tang, CreditEase Q&A* starts at 1:35 pm 12:26 pm

Networking Lunch Networking Lunch Networking Lunch Networking Lunch 12:35 pm Sponsored by National Debt Relief 12:35 pm Sponsored by National Debt Relief 12:35 pm Sponsored by National Debt Relief 12:35 pm Sponsored by National Debt Relief - - - - 1:35 pm 1:35 pm 1:35 pm 1:35 pm

*All Q&A sessions are 30 minutes long and will be held in the Shubert Complex on Level 6 Tuesday, April 14th Afternoon Conference Program Main Track Track 2 Company Demo Track China Pavilion Level 6, Broadway Ballroom Level 7, Astor Ballroom Level 7, SoHo Complex Level 6, Majestic Complex Time (10 Mins. Time Presentation Time Presentation Each Presentation Time Presentation Unless Noted) Student Lending Begins to Scale Risk Management of Online 1:35 pm Special Presentation 1:35 pm Climb Credit, CommonBond, LendKey, 9F Bank 1:35 pm Lending in the U.S. & China - Funding Circle - Prodigy Finance, SoFi, 1:35 pm 2:05 pm Sam Hodges, China Rapid Finance, 2:05 pm Moderator: Credible - 2:05 pm FICO China, Lending Club, Afluenta Moderator: Deutsche Bank The European Online Presentation: Intersection 1:48 pm Lending Opportunity 2:05 pm of Lending Innovation 2:05 pm Bondora, Eiffel eCapital, Funding Circle, - and Regulation - 2:20 pm GLI Finance, RateSetter, Zopa, Raj Date, Fenway Summer 2:01 pm miiCard Emerging Markets Venture 2:45 pm Moderator: Liberum 2:05 pm Capital in FinTech Q&A* starts at 2:50 pm Borrower Acquisition at Scale - FinSight Ventures, Khosla Ventures, 2:25 pm 2:35 pm Better Finance, Datamyx, Lendio, 2:14 pm National Debt Relief Strontium, Moderator: DemystData - Prosper Marketplace, Next Generation of Invoice & 2:55 pm Moderator: Lending Club Receivable Finance C2FO, FastPay, 2:50 pm Blue Elephant FundBox, P2Binvestor, Taulia, Financing Near-Prime Borrowers 2:27 pm Government Regulation of Online - The Interface Financial Group, 3:00 pm Capital Management 3:35 pm Avant, Citi, Freedom Financial, 2:40 pm Lending in the U.S. & China Moderator: Bain Capital Ventures - National Debt Relief, Zest Finance, - Fundera, Dianrong, CreditEase, Q&A* starts at 4:05 pm 3:30 pm Moderator: Insikt AngelList Syndicates 3:10 pm Moderator: Consumer Financial 2:40 pm Protection Bureau Afternoon Coffee Break Afternoon Coffee Break 3:35 pm Sponsored by Lufax 3:35 pm Sponsored by Lufax Argon Credit - - 2:53 pm Enabling Education through 4:05 pm 4:05 pm 3:15 pm Innovative Student Lending - Commonbond, Wheat Finance, 3:35 pm 3:06 pm Assetz Capital Moderator: Dealstruck PitchIt @ LendIt 4:05 pm Fireside Chat - Greg Gibb, Lufax, • Judges • 4:35 pm Moderator: Lend Academy Phin Upham, Thiel Capital 3:19 pm Prosper Marketplace Afternoon Coffee Break Gil Penchina, Penchina Syndicate 3:35 pm Sponsored by Lufax Charles Moldow, Foundation Capital - 4:05 pm China: The Largest Internet Geoff Miller, GLI Finance 3:32 pm Merchant Cash & Capital 4:40 pm Finance Market in the World Santo Politi, Spark Capital - China Rapid Finance, CreditEase, • Finalists • 5:25 pm Dianrong, Lufax, Tencent TenPay, 3:30 pm 3:35 - 3:45 pm Crediyo 4:05 pm Biz2Credit Moderator: Lend Academy - 3:47 - 3:57 pm LoanHero 5:25 pm 3:59 - 4:09 pm Able Lending 5:30 pm 4:11 - 4:21 pm Sharestates Closing Keynote 4:23 - 4:33 pm 4:18 pm Insikt - Ron Suber, Prosper 6:00 pm Ascend Consumer Finance 4:35 - 4:45 pm REAMERGE Day One Wrap Party 4:47 - 4:57 pm CashForce Regulatory and Compliance Q&A 6:00 pm Sponsored by SoFi 4:59 - 5:09 pm Kickfurther 4:30 pm BDO, Chapman & Cutler, Cross River - - Bank, Manatt, U.S. Treasury, • Winners will be announced 5:25 pm 7:30 pm at 5:20 pm • Moderator: KPMG

*All Q&A sessions are 30 minutes long and will be held in the Shubert Complex on Level 6

For the most up-to-date agenda, visit lendit.co or download our app from the Apple or Android stores. LendIt USA 2015 | Agenda at a Glance Wednesay, April 15th Morning Conference Program Main Track Real Estate FinTech Track Company Demo Track China Pavilion Level 6, Broadway Ballroom Level 7, Astor Ballroom Level 7, SoHo Complex Level 6, Majestic Complex Time (10 Mins. Time Presentation Time Presentation Each Presentation Time Presentation Unless Noted) 8:30 am Opening Remarks - State of the Real Estate 9:15 am Paynet 8:40 am 8:40 am - Online Lending Market 8:40 am Special Presentation 9:10 am Daniel T. Ciporin, Canaan Partners - OnDeck 9:10 am Noah Breslow, 9:28 am Kabbage Asset Allocation: Where Does the Institutional Investors View of Asset Class Fit? 9:15 am Real Estate Crowdfunding Aequitas, AllianceBernstein, Arcadia, 9:15 am Cain Hoy Enterprises, Garrison, 9:41 am BitBond - BlackRock, Prime Meridian, Victory Park - 10:00 am Mascia Development, Capital, Moderator: Alternative 9:45 am Waterfall Asset Management, Capital Associates Moderator: Foundation Capital Morning Coffee Break 10:00 am Signature Keynote 10:45 am - Lawrence H. Summers, - Sponsored by Lend Academy 10:45 am Former U.S. Treasury Secretary 11:15 am 9:45 am Presentation: The Inevitable Morning Coffee Break - Rise of Crowdfunding 10:00 am Richard Swart, UC Berkeley 10:45 am Sponsored by Lend Academy - 11:15 am Kubo Financiero 11:15 am Morning Coffee Break Morning Coffee Break Special Presentation: The State 10:45 am 10:45 am Sponsored by Lend Academy Lendico Sponsored by Lend Academy of Small Business: Credit Access - 11:28 am - 11:15 am 11:15 am During the Recovery and How 11:15 am - Technology May Change the Game 11:35 am Karen Gordon Mills, Former 11:40 am Borro Administrator of U.S. Small Business Platforms Shifting from Retail to Administration 11:15 am Institutional Investors 11:40 am Presentation: TBD Short Term Small AssetAvenue, Fundrise, iFunding, - - auxmoney Barry Freeman, Jimubox Business Lending 11:45 am Lending Home, RealtyMogul, 11:53 am 12:00 pm 11:40 am CAN Capital, Kabbage, Moderator: Ethan Penner, USC - Merchant Cash & Capital, PayPal, 12:25 pm Square Capital, Moderator: Lendio Zencap Q&A* starts at 1:30 pm Transforming Mortgage Markets 12:06 pm 11:50 am Blend Labs, Lenda, LendingTree, 12:05 pm Overview of Chinese Internet Privlo, SoFi, Moderator: Finance Market 12:25 pm LendIt Innovator of - - 12:30 pm John Elias, Independent 12:25 pm Paul Shi, WangDaiZhiJia - the Year Award 12:19 pm Vouch 12:30 pm Executive Consultant

Networking Lunch Networking Lunch Networking Lunch Networking Lunch 12:35 pm Sponsored by UBS 12:35 pm Sponsored by UBS 12:35 pm Sponsored by UBS 12:35 pm Sponsored by UBS - - - - 1:30 pm 1:35 pm 1:35 pm 1:35 pm

*All Q&A sessions are 30 minutes long and will be held in the Shubert Complex on Level 6 Wednesday, April 15th Afternoon Conference Program Main Track Real Estate FinTech Track Company Demo Track China Pavilion Level 6, Broadway Ballroom Level 7, Astor Ballroom Level 7, SoHo Complex Level 6, Majestic Complex Time (10 Mins. Time Presentation Time Presentation Each Presentation Time Presentation Unless Noted)

Emerging Online Lending Leaders The Future of Real 1:30 pm CommonBond A Mobile Approach to 1:30 pm 1:30 pm 1:30 pm Avant, Assetz Capital, CircleBack - Estate - Investing Online Lending Lending, Upstart, Moderator: - - 1:50 pm Jilliene Helman, RealtyMogul 1:43 pm Direct Lending Investments 9F Bank, Prosper Marketplace, 2:15 pm Orchard Platform 2:00 pm SocietyOne, Moderator: Arbor Ventures Q&A* starts at 2:20 pm Residential Real Estate Platforms 1:56 pm Croudify Special Presentation: 1:55 pm Lending Home, LendInvest, Patch of Innovation in Auto Finance Lessons from the Installment - Land, PeerStreet, RealtyShares, 2:09 pm ApplePie Capital 2:05 pm in China & the U.S. 2:20 pm 2:25 pm Moderator: American Homeowner - Auto One Acceptance, BlueYield, Touna, Loan Business Preservation 2:35 pm - 2:22 pm DirectMoney Moderator: Fenway Summer 2:50 pm Frank Rotman, QED Investors & Former Head of Installment Loans at Capital One 2:30 pm Presentation: Building SocietyOne Scale for Real Estate 2:35 pm - 2:40 pm Building a Chinese Credit Bureau 2:45 pm Christian Faes, LendInvest The Growth of Securitization 2:48 pm Harmoney - FICO, GTRiches, NiWoDai, 2:55 pm Credit Suisse, First Associates, Moody’s, 3:10 pm Moderator: China Rapid Finance - OnDeck, PeerIQ, SoFi, Moderator: Garrison NextGen Energy Finance 3:01 pm Borrowell 3:40 pm 2:50 pm Kilowatt Financial, Mosaic, Noesis, Q&A* starts at 4:10 pm - Open Energy Group, SolarCity, Grouplend 3:20 pm Moderator: Morgan Stanley 3:14 pm 3:15 pm Company Demo: SyncUS - Jin Xu Afternoon Coffee Break 3:27 pm Arbor Ventures 3:25 pm 3:40 pm Sponsored by Lend Academy 3:25 pm Presentation: Trajectory - of Real Estate 4:10 pm - 3:40 pm NSR Invest 3:40 pm Rick Sharga, Auction.com 3:30 pm Company Demo: OverseaCrowd Afternoon Coffee Break - Shangxuan Tan Afternoon Coffee Break 3:50 pm Sponsored by Lend Academy 3:40 pm Long Term Small Business Lending 3:40 pm Sponsored by Lend Academy - 4:10 pm Biz2Credit, Dealstruck, Fundation, - 4:10 pm - Funding Circle, Lending Club, Moderator: 4:10 pm Afternoon Coffee Break 4:55 pm Prospect Street Q&A* starts at 5:00 pm 3:40 pm Sponsored by Lend Academy 4:10 pm CreditEase - Commercial Real Estate 4:10 pm 4:10 pm iFunding, Money360, Plum Lending, - Prodigy Network, RealCrowd, GROUNDFLOOR Innovation in Purchase Finance 4:40 pm 4:23 pm 5:00 pm Affirm, FinanceIt, Klarna, Paidy, Moderator: Early Shares Building Credit Profiles Through - Prosper Healthcare Lending, Social Data Scoring 5:45 pm NiWoDai 4:10 pm Moderator: QED Investors Real Estate Crowdfunding 4:36 pm - Lenddo, Tencent Tenpay, Vouch 4:45 pm Property Types 4:55 pm Moderator: Eric Lu, - HVS, LendZoan, MHP Funds, Sharestates, Uvamo Penn State University 5:15 pm Moderator: Groundfloor 4:49 pm Global Approaches to 5:45 pm Real Estate Data & Technology Closing Remarks 5:03 pm Pave 5:00 pm Microlending - 5:20 pm Compass, Compstak, dvØ1, OnBoard Grameen America, Kiva, Xintong, 5:55 pm - - Informatics, Real Capital Analytics, 5:45 pm Moderator: Community 5:45 pm Moderator: Progress Group LLC 5:16 pm Wheat Finance Investment Management

*All Q&A sessions are 30 minutes long and will be held in the Shubert Complex on Level 6

For the most up-to-date agenda, visit lendit.co or download our app from the Apple or Android stores.