LendIt 2013

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The Inaugural Online Lending Conference

June 20, 2013 New York City

Twitter: @lenditconf / #lendit2013

LendIt 2013

Welcome to LendIt 2013, the inaugural online lending conference!

As p2p and online lending rapidly develop into a viable institutional asset class, democratizing and reshaping the global credit markets, there has never been a more opportune moment for industry participants to congregate. We are excited to see the online lending leaders from around the world as well as so many veteran investors joining us today for this milestone event. We would like to extend a special thanks to all of our speakers, sponsors and exhibitors. You are true pioneers in your respective fields, and we are grateful for all of your work in transforming the banking industry. Sincerely, The LendIt Team

Dara Albright Jason Jones Peter Renton NowStreet Media Disruption Credit Lend Academy

About the LendIt Conference LendIt is the preeminent conference dedicated exclusively to the burgeoning P2P and online lending industry. It is the must-attend event for all fund managers, asset allocators, family offices, venture capitalists and individual investors who are looking to understand how Peer-to-Peer and online lending (collectively, “online lending”) are revolutionizing the credit markets and transforming the global banking industry. Today’s conference will showcase online lending platforms from across the globe, the ecosystem of Big Data companies that are serving the sector, as well as the Wall Street firms that are providing innovative financing structures and investment capital to this rising asset class. LendIt is proudly produced by Lend Academy, the leading educational resource for P2P and online lending; NowStreet Media, a financial media and advisory company most known for its acclaimed financial events that introduce neoteric asset classes to the investment community and Disruption Credit, an institutional investment firm focused on the global online lending industry.

About Online Lending Online lending seeks to exploit the structural mispricing and funding inefficiencies in the traditional banking sector. Through the use of technology, online lenders are able to compress the cost of originating, servicing, and funding traditional loans. As a result, borrowers receive a lower interest rate while lenders receive a very attractive rate of return. Online lending marketplaces have emerged globally for personal loans, student loans, small business loans, and auto loans. With interest rates at all-time lows and big banks hording cash, online lending marketplaces have tapped into a variety of investor sources ranging from large pension funds all the way down to self-directed individual investors. The online lending sector was originally discovered by individual investors, who have been the backbone of the industry since it origins in 2006. Individuals have generated healthy returns while providing lower cost capital to grateful borrowers. As a result, the marketplaces have expanded rapidly and, more recently, institutional investors have taken notice as the sector has matured. 2012 felt like a tipping point for the industry as capital flowed into the industry and a number of high profile investors entered the market. We are now witnessing the emergence of many new well-funded lending portals across the globe.

LendIt 2013

LendIt Hosts

Disruption Credit is an institutional investment firm focused on the global online lending industry

www.lendacademy.com Lend Academy was founded by Peter Renton in 2010 with the idea that everyone should learn about the new asset class of p2p lending. Peter has been investing his own money in p2p lending since 2009 and has been blogging full time at Lend Academy since 2010. He has grown his blog into the preeminent resource for the burgeoning P2P lending industry. His online video course, the Lend Academy Wealth System, has taught hundreds of investors how to maximize their returns on Lending Club and Prosper. Peter is also the author of The Lending Club Story, the definitive guide to the world’s leading peer-to-peer lender.

www.nowstreetjournal.com Led by founder & CEO, Dara Albright, Nowstreet is a financial media, advisory and event company most known for its cutting-edge market commentary and acclaimed industry events that introduce neoteric asset classes to Wall Street. By helping issuers and investors of all sizes capitalize during this unprecedented period of financial innovation and regulatory reform, NowSteet is dedicated to regenerating a financial system that allows all socio-economic classes equal opportunities to build wealth through investment.

LendIt 2013

Diamond Sponsors

www.lendingclub.com

Lending Club utilizes technology and innovation to reduce the cost of traditional banking and offer

borrowers better rates and investors better returns. Lending Club has issued $1.9 billion in personal

loans, more than doubling annual loan volume each year since commencing operations in 2007. The

Company has been prominently recognized as a leader for its growth and innovation, including being

named one of Forbes’ America’s Most Promising Companies in 2012 and 2013, a 2012 World Economic

Forum Technology Pioneer, and one of The World’s 10 Most Innovative Companies in Finance by Fast

Company.

www.prosper.com

Prosper is a leading peer-to-peer lending marketplace that connects people who want to invest money

with people who want to borrow money. On Prosper.com, borrowers list loan requests between

$2,000 and $35,000, and individual lenders invest as little as $25 in each loan listing they select. Over

the past six years, more than $500,000,000 in personal loans have originated through the Prosper

platform. The unsecured personal loans are used by Prosper borrowers for a variety of purposes

including paying down high interest rate debt and helping with small business funding.

LendIt 2013

Gold Sponsors

www.capitalsource.com CapitalSource Inc. (NYSE:CSE), through its wholly owned subsidiary CapitalSource Bank, makes commercial loans to small and middle-market businesses nationwide and offers depository products and services in 21 retail branches in southern and central California. CapitalSource is headquartered in Los Angeles, CA and had total assets of $8.5 billion and total deposits of $5.7 billion as of March 31, 2013.

www.convene.com Convene is a progressive developer and provider of specialized conference spaces and integrated services for off-site professional meetings.

www.mtrustcompany.com Millennium Trust Company is a leading financial services company offering niche alternative custody solutions to institutions, advisors and individuals. We serve as a complement to traditional services offered by other custodians. Our innovative solutions include rollover solutions, alternative asset custody, private fund custody and advisor support services.

www.opusfundservices.com Opus Fund Services is an award winning independent fund administration firm. Within a SSAE16 approved process, Opus uses unique technology and pricing to provide automated, integrated middle and back office administration services to domestic and offshore hedge fund and alternative investment vehicles. The ONE platform has received widespread industry recognition including “Best Overall Fund Administrator with AuA < $30bb” by HFMWeek, and Top-Ranked Fund Administrator by Global Custodian for an unprecedented three consecutive years.

www.sofi.com The $1 trillion US student loan market is broken. SoFi was founded to offer an innovative approach to addressing this problem using the power of social communities to transform the industry. SoFi connects students and alumni through a dedicated lending pool and an original social community approach where students, alumni and schools all benefit. Alumni earn a compelling double bottom line return, students receive a lower loan rate than their private or federal options, and both sides benefit from the connections formed.

LendIt 2013

Sponsors

Mike Cagle &

www.barcalys.com Barclays is a major global financial services provider engaged in personal banking, credit cards, corporate and

investment banking and wealth and investment management with an extensive international presence in Europe, the Americas, Africa and Asia. With over 300 years of history and expertise in banking, Barclays operates in over 50

countries and employs 140,000 people. Barclays moves, lends, invests and protects money for customers and clients worldwide. With a distinctive business model, Barclays investment bank provides our clients with a full

spectrum of solutions to fulfill their strategic advisory, financing and risk management needs.

LendIt Live Broadcast:

www.lendit.co/livebroadcast

provided by:

Webcast

LendIt 2013

Exhibitors

www.circlebacklending.com - CircleBack Lending enables institutional and individual accredited investors to purchase fixed income assets backed by consumer credit products. The company operates a web-based platform for loan marketing, origination, and servicing. CircleBack was co-founded by Michael Solomon, formerly the Founder and CEO of Loanio.com, which in 2008 became the third entrant to the U.S. peer-to-peer lending market.

www.commonbond.co - CommonBond is a socially responsible lending platform that connects student borrowers and alumni investors to lower the cost of higher education. The innovative model allows students to save money on their loans and alumni to earn a competitive financial return. Collectively, they join a powerful network of forward-thinking professionals who care about driving each others' success. CommonBond launched in November 2012 at The Wharton School and has expanded to 20 MBA schools in 2013. In 2014, the company plans to expand to other degree programs. CommonBond is the first company to bring the 1-for-1 model to education through a Social Promise to increase access to high quality education at home and abroad.

www.enduranceln.com - Endurance Lending Network is a marketplace which uses technology to onboard and evaluate small business loans and connects them to accredited and institutional investors. Loans are fully collateralized, range from $50-$500K, and have 3-5 year fully-amortizing terms. Blended investor yield is mid-teens after fees, with coupon rates to borrowers as low as 9.9%.

www.fundingcommunity.com - Funding Community is the first US crowdfunding platform for small business loans. We allow any individual from almost every state to make a small business loan. All loans we make include a personal guarantee and a security interest in the borrower's assets. Lenders on Funding Community receive principal and interest every month as well as "rewards" like store discounts from the borrower. These discounts are designed to encourage lenders to become customers of the business and help support the cash flow of the loan they made. Meanwhile, the rewards provide an extra incentive for lenders to make each loan.

www.fundation.com - Fundation has developed a highly advanced, scalable and proprietary technology and operational platform designed to permit the investment community to access the small balance commercial loan market. We manage a proprietary investment fund and other lending programs on behalf of institutional investors. Our Internet platform and brand was carefully designed to create a unique value proposition for small businesses seeking debt financing: expedient credit decisions, a simple application process, simple products, competitive pricing and all electronic processing. Our technology uses extensive data aggregation, our proprietary datasets and intelligent decisioning techniques to predict credit risk and price loans. Our underwriting model combines the efficiency provided by our technology with manual supervision of credit decisions to maximize return potential.

www.lendkey.com - LendKey is a cloud-based technology company that provides the essential infrastructure for any party to quickly, securely, efficiently, and profitably lend to anyone else. The LendKey platform is built upon the tandem of core loan technology and demand generation services, which together help lenders quickly enter lending markets and drive portfolio growth. The platform allows anyone to affordably set up a full-scale, fully compliant lending operation within weeks, as well as tap into a community of like-minded lenders.

LendIt 2013

JUNE 20, 2013

7 : 3 0 a m – 8 : 3 0 a m Registration, Buffet Breakfast, Exhibits, Networking

8 : 3 0 a m – 8 : 4 0 a m Opening Remarks & Introduction (Empire Room)

8 : 4 0 a m – 9 : 1 0 a m Morning Keynote: How P2P is Reshaping the Banking Industry By Renaud Laplanche, Founder & CEO of Lending Club

(Empire Room)

9 : 1 5 a m - 9 : 3 5 a m Presentation: Market Analysis – Global Online Lending Overview By Jason Jones, Partner, Disruption Credit

(Empire Room)

9 : 4 0 a m - 1 0 : 3 0 a m Panel: Consumer P2P Lending Moderator: Peter Renton, Founder of Lend Academy

Panelists: Ron Suber, Head of Global Institutional Sales at Prosper Marketplace

Scott Sanborn, COO of Lending Club Matt Symons, CEO & Co-Founder of SocietyOne Peter Behrens, COO & Co-Founder of RateSetter

(Empire Room)

1 0 : 3 0 a m - 1 0 : 5 0 a m Morning Networking Break

1 0 : 5 0 a m - 1 1 : 1 0 a m Fireside Chat on the transformation of the student loan market with: Mike Cagney, Co-Founder & CEO, SoFi. Moderated by Michael Parekh, CEO, Disruption

Credit (Empire Room)

1 1 : 1 0 a m - 1 1 : 3 5 a m Panel: Student Lending Moderator: Michael Parekh, CEO, Disruption Credit

Panelists: Mike Cagney, Co-Founder & CEO

Tonio DeSorrento, General Counsel of Pave.com David Klein, Founder & CEO of CommonBond

Lekith Lokesh, Vice President of Barclays (Empire Room)

1 1 : 4 0 a m - 1 2 : 3 0 p m Panel: Small Business P2P Moderator: Dara Albright, Founder of NowStreet Media

Panelists: Candace Klein, CEO of SomoLend

Samir Desai, Founder of Funding Circle Soul Htite, Founder & CEO of SinoLending Alex Binkley, CEO of Funding Community

(Empire Room)

1 2 : 3 0 p m - 1 : 3 0 p m Buffet Lunch, Exhibits, Networking

Conference Agenda

www.quarterspot.com - QuarterSpot is an online lending platform that offers credit-starved small businesses working capital on attractive rates and terms. We accelerate access to capital using advanced technologies that enable instant underwriting and approval, same-day closings and repayment to investors in as little as 24 hours.

www.realtymogul.com - Launched in March 2013 and based in Los Angeles, CA, Realty Mogul is a marketplace for accredited investors to pool money online and buy shares of pre-vetted real estate investments. For these investors, Realty Mogul gives them tools to browse investments, do due diligence, invest online and have 24/7 access to an investor dashboard to watch how their investments are performing. Realty Mogul offers two types of investments (1) P2P loans secured by real estate and (2) equity interests in specific commercial properties like apartment buildings, office buildings and retail centers. Realty Mogul focuses on cash-flowing investments and provides distributions on a monthly basis on all loans. Realty Mogul partners with private real estate companies to source quality deal flow and curates all the investments in house.

www.sinolending.com - Named the “Lending Club of China”, SinoLending offers an online marketplace where members borrow and lend money to each other. Lenders earn returns well above those from bank deposits and wealth management products while borrowers pay rates significantly lower than they do to traditional credit institutions. Headquartered in Shanghai, SinoLending was founded in April 2012 by Soul Htite, co-founder and former Head of Technology at Lending Club. In this era of big data, our industry leading technology platform similar to that of Lending Club, yet tailored to the Chinese market, allows us to effectively seize business opportunities. Our senior risk management team and comprehensive credit models rival those of local banks. Our strategic alliance with local industry pioneers like ID5, a leading personal identity information service provider, and China Orient Asset Management Corporation, a state-owned finance company, ensures that we conduct operations at the highest compliance standards. With a strategic focus on small-and-medium enterprises, we target the 42 million SMEs that receive inadequate access tostate-owned banks. Our online platform has been operating since November 2012 and following a successful public launch in March 2013, our total loan origination has rapidly reached ¥33 million ($5.5 mm) as of May 2013. Typical loan size averages at ¥600,000 ($100,000) and can go up to ¥5 million with interest rates around 19%.

www.SocietyOne.com.au - Launched in August 2012, SocietyOne is Australia’s only active and first

fully compliant Peer-to-Peer (P2P) lending platform. With headquarters in Sydney, SocietyOne is at the forefront of a major shift in consumer behavior towards P2P lending in Australia. SocietyOne connects borrowers and investors in a secure, safe and professional online environment using its unique proprietary technology platform, ClearMatch. By reducing the cost and complexity of the traditional bank loan with a faster, smarter way to borrow and invest, SocietyOne has a game-changing proposition that delivers real financial value to borrowers and investors alike. SocietyOne is quickly innovating in the P2P lending space, awarded "Best of Show" at Finovate's Inaugural Asia conference in 2012 with its Smart Loan mobile phone app and voted one of AlwaysOn's 2013 Top100 Private Companies in Australia & New Zealand.

www.somolend.com - SoMoLend is a debt-based funding platform that connects small business

borrowers with corporate, institutional, organization and individual lenders, such as friends and family or accredited investors. Our user-friendly platform is utilized by small businesses that need funding for their growth initiatives and investors seeking higher than public market rates of return, as well as those that want to help build their local economy through job creation. Small businesses typically pay less interest on their business loans than traditional lending sources. SoMoLend automates, speeds and simplifies the steps for loan application, review, funding progress reporting, communications between borrower and lenders, and payments. We utilize best practices to help our borrowers develop and market their campaigns. SoMoLend provides a safe, secure and transparent platform that enables investors to understand a small business before making a lending decision. SoMoLend will launch crowdfunding once the SEC issues the rules implementing the JOBS Act, which we anticipate in early 2014. SoMoLend's mission is to democratize access to capital for small businesses, and investment opportunities for average Americans, not just the wealthy.

Exhibitors

LendIt 2013

THURSDAY, JUNE 20, 2013

7 : 3 0 a m – 8 : 3 0 a m Registration, Buffet Breakfast, Exhibits, Networking

8 : 3 0 a m – 8 : 4 0 a m Opening Remarks & Introduction (Empire Room)

8 : 4 0 a m – 9 : 1 0 a m Morning Keynote: How P2P is Reshaping the Banking Industry By Renaud Laplanche, Founder & CEO of Lending Club

(Empire Room)

9 : 1 5 a m - 9 : 3 5 a m Presentation: Market Analysis – Global Online Lending Overview By Jason Jones, Partner, Disruption Credit

(Empire Room)

9 : 4 0 a m - 1 0 : 3 0 a m Panel: Consumer P2P Lending Moderator: Peter Renton, Founder of Lend Academy

Panelists: Ron Suber, Head of Global Institutional Sales at Prosper Marketplace

Scott Sanborn, COO of Lending Club Matt Symons, CEO & Co-Founder of SocietyOne Peter Behrens, COO & Co-Founder of RateSetter

(Empire Room)

1 0 : 3 0 a m - 1 0 : 5 0 a m Morning Networking Break

1 0 : 5 0 a m - 1 1 : 1 0 a m Fireside Chat on the transformation of the student loan market with: Mike Cagney, Co-Founder & CEO, SoFi. Moderated by Michael Parekh, CEO, Disruption

Credit (Empire Room)

1 1 : 1 0 a m - 1 1 : 3 5 a m Panel: Student Lending Moderator: Michael Parekh, CEO, Disruption Credit

Panelists: Mike Cagney, Co-Founder & CEO

Tonio DeSorrento, General Counsel of Pave.com David Klein, Founder & CEO of CommonBond

Lekith Lokesh, Vice President of Barclays (Empire Room)

1 1 : 4 0 a m - 1 2 : 3 0 p m Panel: Small Business P2P Moderator: Dara Albright, Founder of NowStreet Media

Panelists: Candace Klein, CEO of SomoLend

Samir Desai, Founder of Funding Circle Soul Htite, Founder & CEO of SinoLending Alex Binkley, CEO of Funding Community

(Empire Room)

1 2 : 3 0 p m - 1 : 3 0 p m Buffet Lunch, Exhibits, Networking

Conference Agenda

LendIt 2013

1 2 : 3 0 p m - 1 : 1 5 p m Exclusive Press Conference (Rockefeller North)

1 : 3 0 p m - 2 : 2 0 p m Panel: Why Venture Capitalists Are Funding P2P & Online Lending Moderator: Michael Parekh, CEO of Disruption Credit

Panelists: Frank Rotman, Partner at QED Investors

Charles Moldow, General Partner at Foundation Capital Pat Grady, General Partner of Sequoia Capital

Aaron Goldman, Vice President General Atlantic (Empire Room)

2 : 2 5 p m - 3 : 1 0 p m Panel: Better Data, Safer Lending, Better Returns Moderator: Jason Jones, Partner of Disruption Credit

Panelists: Kathryn Petralia, Co-Founder & COO of Kabbage, Inc.

Jeff Stewart, Founder & CEO of Lenddo Mike Mondelli, CEO of L2C

Mark Hookey, Founder & CEO of DemystData (Empire Room)

3 : 1 0 p m - 3 : 3 0 p m Afternoon Networking Break

3 : 3 0 p m - 4 : 1 5 p m Panel: Small Business Direct Lending Moderator: John Donovan, FinTech Advisor

Panelists: Noah Breslow, CEO of On Deck Capital

Adam Cohen, CEO of QuarterSpot Sam Graziano, CEO of Fundation

Alex Tonelli, Co-founder of Endurance Lending Network (Empire Room)

4 : 2 0 p m - 4 : 5 5 p m Panel: Wealth Managers Embracing P2P as a New Asset Class Moderator: Joe Toms

Panelists: Brendan Ross, Founder of Ross Asset Advisors Stefan Clulow, Managing Director of Thomvest

Howard Freedland, CIO of Direct Lending Advisors (Empire Room)

5 : 0 0 p m - 5 : 3 0 p m Afternoon Keynote: The Shared Economy - How P2P Fits & the Top 10 thoughts Regarding the Future of P2P

By Ron Suber, Head of Global Institutional Sales at Prosper Marketplace (Empire Room)

5 : 3 0 p m - 5 : 3 5 p m Closing Ceremonies (Empire Room)

5 : 3 5 p m - 7 : 3 0 p m Cocktail Reception (Beacon Lounge)

Conference Agenda

LendIt 2013

All Workshops will be held in Rockefeller North

1 0 : 5 0 a m - 1 1 : 2 0 a m USING THE NEW LENDING CLUB AND PROSPER APIS TO AUTO-INVEST Michael Phillips, Founder of NickelSteamroller.com, will show how to use new Lending Club and

Prosper API’s to auto-invest with NSR Premium, a fully-featured automated investment and portfolio management tool designed to work with all major US P2P investing platforms. This

workshop will provide a demo of the features of this cutting edge software and also discuss the APIs of both Lending Club and Prosper.

1 1 : 2 5 a m - 1 1 : 5 5 a m OPTIMIZING INSTITUTIONAL INVESTING IN PEER TO PEER LENDING With the evolution of Peer to Peer Lending, a majority of the funding is now coming from

institutional investors. This workshop, led by Matthew Burton, Co-Founder of Orchard, will look at the current state and future of P2P through the eyes of an institutional investor.

1 2 : 0 0 p m - 1 2 : 1 5 p m INTRODUCING THE LEND ACADEMY WEALTH SYSTEM A New Video Course Teaches all the Basics for Investors

Many investors come to peer to peer lending and feel overwhelmed. How do you get started? How do you know what loans to invest in? What are the risks? These questions and more are

answered. Peter Renton’s Lend Academy Wealth System takes you inside the Lending Club and Prosper platforms and shows investors exactly how to invest in this great new asset class. This

workshop will provide a quick preview of this online video course.

1 : 3 0 p m - 2 : 0 0 p m THE UNDERWRITING EVOLUTION: ARTIFICIAL INTELLIGENCE AND ALTERNATIVE DATA Innovations in deep learning artificial intelligence and non-bureau application data is allowing for new and unprecedented accuracy in underwriting decisions. In this workshop, Brandon Wright of

Cognical and Mike Mondelli of L2C will show how these next-gen tools are allowing lenders to objectively capture applicants' compensating factors to grow approval rates and shrink default

losses at the same time.

2 : 0 5 p m - 2 : 3 5 p m P2P INVESTMENT AUTOMATION: TOOLS TO PUT YOUR INVESTMENT STRATEGY ON AUTOPILOT Are you somewhere between a hedge fund and a small investor? Frustrated with the lack of tools

to refine and automate your investment strategy? Nathan Marcos and Sean Chuplis of Blue Air Solutions will present a platform that puts powerful tools once only available to hedge funds in

the hands of everyday P2P investors. You can predict returns, automate your buying criteria and even sell off your at risk notes! If you're looking to spend less of your day glued to your computer,

you won't want to miss this workshop!

2 : 4 0 p m - 3 : 1 0 p m ATTRACTING INVESTORS TO LENDING PORTALS WITH TAX-FREE RETURNS VIA SDIRAS Learn how to differentiate yourself from the competition with one of the best kept secrets to

attracting High Net Worth by offering tax-free returns with Self-Directed IRA's. In this comprehensive workshop, James A. Jones, a nationally recognized Self-Directed IRA speaker and

Certified IRA Services Professional, will teach the in's and outs, processes, time frames, prohibited transactions and the reason to offer "checkbook control.

3 : 3 0 p m – 4 : 1 5 p m ONLINE BORROWER SUCCESS STORIES Meet some of the borrowers who were able to obtain consumer, student and business loans from

three distinct online lending platforms: Lending Club, SoFi and SoMoLend. This workshop is ideal

for anyone looking to successfully borrow capital via online lending.

Workshop Agenda

LendIt 2013

LENDIT EXHIBIT HALL LendIt’s Exhibit Hall showcasing P2P & online lending platforms from across the globe will take place in the Beacon Lounge and remain open from 7:30am to 4:00pm.

LendIt 2013

Dara Albright, Founder of NowStreet

Peter Behrens COO & Co-Founder of RateSetter

Alex Binkley CEO of Funding Community

Noah Breslow CEO of On Deck Capital

Dara Albright is founder of NowStreet Media and co-founder of the LendIt Conference. She is a thought provoker and frequent speaker on topics relating to market structure, private secondary transactions and crowdfunding. She is the author of the NowStreet Journal, a primary provider of analysis and insight into the private company marketplace as well as the legislation and innovation currently fueling it. Based on her original hypothesis that directly correlates advancements in mass communications with stock market growth, NowStreet highlights the promise of a modern economic paradigm materializing from the most ground-breaking period of mass media, financial innovation and legislative reform. Through NowStreet, Dara continues to pioneer a number of new-age financial products, services and event platforms designed to help issuers, investors and conventional financial service providers capitalize on market disruption and regulatory changes. Prior to founding NowStreet, Dara has held a distinguished 21 year career in investment banking, investor relations and institutional equity sales. She has managed hundreds of deal and non-deal road shows as well as industry conferences for Wall Street’s elite. She has worked closely with both institutional and retail clients providing investment strategies, stock option liquidations and restricted transaction services. Dara has helped raise financing for companies across the globe in a variety of industries at various phases and rollouts. Her work has included extensive IPO execution and counseling newly public companies in the after-market. Prior firms she worked for include: Unterberg Towbin, Morgan Stanley Dean Witter, Divine Capital and Citigate Dewe Rogerson. Dara is a co-founder of the Crowdfund Intermediary Regulatory Advocates (CFIRA) and the Crowdfunding Professional Association (CfPA). She is also a proud board member of SparkMarket, the nation’s first bona fide crowdfunding portal allowing unaccredited investors to legally crowdfund via intrastate exemption. She is a graduate of the George Washington University and holds securities industry Series 7, 24, 31 and 63 licenses.

Peter is the co-founder and COO of RateSetter.com. As COO, Peter holds responsibility for RateSetter’s day to day operations, including the management of RateSetter's Credit and Risk Team. Prior to RateSetter, Peter qualified as a solicitor at Ashurst and then worked in the commercial lending arms of Royal Bank of Scotland and Laxfield Capital.

Alex Binkley is CEO and Co-Founder of Funding Community, the first US crowdfunding platform for small business loans. Funding Community connects US small businesses with individual lenders who receive principal and interest on their loans, as well as rewards from the businesses they support. Alex is a graduate of Harvard University and Boston University School of Law. Prior to founding Funding Community, Alex was a Senior Associate at Wilmer Cutler Pickering Hale and Dorr’s New York Office focusing on startup and securities law. Before practicing law he worked for and ran numerous small businesses.

Breslow brings substantial experience in launching and scaling venture-backed software companies to On Deck. Prior to On Deck, he served as Vice President of Marketing and Product Management for Tacit Networks, a leading provider of enterprise IT products. Breslow helped steer the company from customer trials through its growth to over 100 employees and its successful sale to a public company. Breslow’s previous roles include serving as Vice President of Engineering for a UK-based Internet service provider, and as a founder of an award-winning mobile software development company. Breslow holds a bachelor’s degree in computer science and engineering from MIT and an MBA with distinction from Harvard Business School.

Speakers

LendIt 2013

Matthew Burton Co-Founder of Orchard

Mike Cagney Co-Founder & CEO of SoFi

Stefan Clulow Managing Director of Thomvest

Adam Cohen CEO of QuarterSpot

Samir Desai Founder of Funding Circle

Matt Burton has spent his entire career building, scaling, and managing the internet’s top advertising exchanges (Admeld, Google, LiveRail). Experience includes Admeld’s $400 million dollar exit to Google where he was the #7 employee. He became passionate about Peer to Peer Lending once it became clear that this space was on a similar growth trajectory and fueled by the same market forces.

As CEO and Chairman, Mike is responsible for overall operations and corporate strategy for SoFi. Short for "Social Finance," SoFi combines ideas from peer-to-peer lending and crowdfunding into a ground-breaking community-based lending model. By connecting alumni investors with borrowers via school-specific lending funds, investors receive a financial return while borrowers reduce the cost of their student loans. In addition to SoFi, Mike is a co-founder and a managing partner of Cabezon Investment Group, a global macro hedge fund. Before Cabezon, Mike founded, was CEO and then Vice Chairman and Chief Architect of Finaplex, a leader in wealth management software that was sold to Broadridge (NYSE: BR). Before Finaplex, Mike was Senior Vice President and head trader for the proprietary trading and financial products group at Wells Fargo Bank. Mike holds an M.S., Management degree from the Stanford Graduate School of Business where he was a Sloan Fellow. He also received a combined BA/MS from UC Santa Cruz in applied economics.

Stefan Clulow is Managing Director at Thomvest Seed Capital Inc., an investment firm with operations in Toronto and Silicon Valley. Thomvest makes direct venture investments in early and growth stage technology companies, and also invests in public securities, specialty credits, and other financial instruments. Mr. Clulow works with start-ups, primarily in the financial services, software and communication sectors, and also manages Thomvest’s non-venture investments. Prior to joining Thomvest, Stefan practiced corporate law in Silicon Valley and international corporate tax law in Toronto. He sits on the boards of DataXu, Inxent, Public Mobile, and Tactus Technology. Stefan has a B.A. (Great Distinction) and an LL.B. (Distinction) from McGill University, and is a member of both the Law Society of Upper Canada and the State Bar of California.

Adam Cohen is the Chairman and Chief Executive Officer of QuarterSpot, a platform that offers investors the opportunity to earn attractive returns by lending to credit-crunched small businesses. Prior to QuarterSpot, Mr. Cohen served as the Chief Executive Officer of GotCoders, a startup incubator that assists entrepreneurs from concept to commercialization. During his tenure at GotCoders, he helped more than 10 startups to market, and held numerous directorships on the boards of GotCoders’ portfolio companies. Mr. Cohen also co-founded and served as a Director of Unigo.com from 2008 to 2011, when it became a member of the McGraw-Hill Companies. From 2000 to 2004, Mr. Cohen served as Chief Software Developer for JetBlue Airways where he led the development of the world’s first FAA approved Electronic Flight Bag, JetBlue.com and the TrueBlue Loyalty Program.

Samir is responsible for driving the company strategy, overseeing the company’s finances and managing the day to day operations at Funding Circle. Samir has worked extensively in the financial services sector. Before founding Funding Circle, Samir was an Executive at Olivant, a private equity investor in financial services businesses in Europe, the Middle East and Asia. Prior to this, Samir was a management consultant at BCG advising a number of major UK and global banks and insurers on strategy, new product initiatives, and operational efficiency.

Speakers

LendIt 2013

Tonio DeSorrento General Counsel of Pave.com

John Donovan FinTech Advisor

Howard Freedland CIO of Direct Lending Advisors

Tonio DeSorrento is general counsel of Pave.com, a community where people create teams that unlock the potential of young careers through an innovative social-financial arrangement. Tonio came to Pave from Orrick, Herrington & Sutcliffe LLP, where he was an attorney in the Washington, D.C. office. At Orrick Tonio represented large banks and nonbank lenders in banking, capital markets, securities and finance matters. In addition Tonio developed and funded new private education finance, consumer finance and financial technology products with over a dozen international or startup clients. He is a graduate of the U.S. Naval Academy and Georgetown University Law Center. Previously Tonio was a law clerk at Sallie Mae and a U.S. Marine.

John is currently an advisor to several companies in the financial technology / online lending space. John helped start Lending Club serving in multiple roles including Board Member, COO and EVP of Corporate Development. Prior to Lending Club, John was Chief Product Officer and COO of BorderFree, the leading provider of cross border services to US internet merchants. John also spent 17 years at MasterCard building their global customer service platform, developing new payment products, and 5 years as an expatriate in Belgium working for Maestro, a PIN debit joint venture. He holds a B.Sc. Degree in Management, with concentration in Economics, from Long Island University, and is a graduate of Fundamentals of Management Executive Session at Columbia University's Graduate School of Business.

Mr. Freedland is currently Chief Investment Officer of Direct Lending Advisors and the Direct Lending Fund I, L.P. in June 2012 which he co-founded in June 2012 to focus on investments which have attractive monthly cash income, limited correlation to the public markets, and strong and predictable cash flow with a very short duration. The Fund specializes in loans originated on web-based underwriting platforms. He is also a frequent guest speaker on the investment opportunities created by regulatory and economic changes in the banking industry. Mr. Freedland is married to Annie Foster Freedland with three wonderful step-children and a wide range of philanthropic and personal interests. He is also Chief Investment Officer of their family office, Harper | Foster Family Advisory named for Annie Foster Freedland’s ancestors. Harper | Foster is focused on legacy-based investing, charitable initiatives, and family education. The Freedlands are involved with numerous charitable endeavors including The Literacy Project Foundation. Mr. Freedland enjoys mentoring young entrepreneurs and occasional consults with emerging technology companies and has been a member of the board of directors of several public and private companies. He has been a member of the CFA Institute since 1978 and is a member of the CFA Societies of Orange County and Los Angeles. A graduate of the University of Minnesota, Mr. Freedland co-authored the monograph “Net Terminal Value – A New Approach to Capital Budgeting Methodology” at the age of 20 in 1972 with Professor Robert C. Carlson while attending the Graduate School of Management at the University of Minnesota and co-founded Carlson-Freedland, a consulting firm that developed and implemented capital budgeting processes for clients including AT&T. Early in his professional career, he joined The St. Paul’s mutual fund subsidiary as an analyst and was later promoted to Vice President and Portfolio Manager. He was recruited to the Beverly Hills, California based investment management firm of CMB Investment Counselors as Vice President and Senior Portfolio Manager. He founded H. Freedland & Associates and launched September Investors Ltd., a US small-cap hedge fund and one of the first 50 hedge funds in the United States. Mr. Freedland also founded London Freedland Incorporated, an NASD (now FINRA) registered institutional brokerage firm that specialized in financing emerging public and private companies. In 1993, Mr. Freedland transitioned from investment to operational management when he negotiated a $280 million joint venture between GE Capital and ResCom, a provider of local and long-distance telephone service, and became CFO of the joint venture. In 1995, Mr. Freedland founded and became Chairman and CEO of National Water & Power, a provider of utility billing services located in Newport Beach, California. Mr. Freedland raised $42 million in venture financing while growing NWP to 400 employees providing utility billing services to over 400,000 apartments across the United States. Under his leadership, NWP formed Open-C Systems, a wholly-owned subsidiary of NWP specializing in ERP software for utility companies, which was later sold to Accenture. In 2000, Mr. Freedland founded Lido Capital, a provider of outsourced management, strategic consulting and investment banking services to the telecommunications and utility industries. Lido Capital had a diverse list of clients including major engagements on behalf of the California Assembly, Los Angeles Department of Water and Power, Sierra Pacific, SBC (now AT&T), and Verizon.

Speakers

LendIt 2013

Aaron Goldman Vice President of General Atlantic

Pat Grady General Partner of Sequoia Capital

Sam Graziano CEO of Fundation

Mark Hookey Founder & CEO of DemystData

Aaron Goldman is a Vice President at General Atlantic, a global growth equity firm, where he has worked since 2007. Mr. Goldman works in General Atlantic's New York City office and focuses on investments in the Financial Services sector where he spearheads efforts around payments, financial technology and disruptive financial services. Mr. Goldman is closely involved with General Atlantic's investments in Mu Sigma and Markit. Mr. Goldman has also played an active role in General Atlantic's investments in Tory Burch, Sura Asset Management, First Republic Bank, Klarna, Pierpont Securities and Affinion. While at Harvard Business School, Mr. Goldman interned at Texas Pacific Group. Prior to business school Mr. Goldman spent five years with the growth equity arm of Fremont Group in San Francisco, where he made several investments in the internet, communications and healthcare sectors. While at Fremont Group, he served as President and CFO of LPL Technologies, a growth stage company focused on the early diagnosis of Ovarian Cancer, and as a board director and board observer for a number of companies and organizations. Before joining Fremont Group, he was an analyst in Donaldson, Lufkin and Jenrette's Leveraged Finance Group. Mr. Goldman received his B.S. in Economics with a concentration in Finance, magna cum laude, from The Wharton School, University of Pennsylvania. He received his M.B.A. from Harvard Business School where he graduated with highest distinction and was a Baker Scholar.

A Wyoming native, Pat’s first job was putting roofs on houses… but he didn’t truly appreciate what it means to be a builder until he shared in the ups and downs of creating a company. Since joining Sequoia Capital in 2007, Pat has been singularly focused on supporting the next generation of great entrepreneurs. He gravitates toward people with the courage to bulldoze incumbents (Prosper Marketplace, Merlin Securities, First Republic Bank, ServiceNow) and the audacity to break new ground (Jive, HubSpot, Achievers, Medallia). Pat is a casual cyclist (road or mountain), an enthusiastic snow bum (one plank or two), and a big believer in the renaissance of the enterprise. Prior to Sequoia, Pat was an inside salesman, an investor in a variety of sectors, and an undergrad at Boston College.

Sam Graziano is the Co-Founder & Chief Executive Officer of Fundation, Inc., a technology enabled small business lending platform. Mr. Graziano is a highly experienced financial services professional and entrepreneur. Prior to Fundation, Mr. Graziano spent over a decade in investment banking and private equity with a focus on banks, specialty finance companies, asset managers and other financial services institutions. He worked at both Centerview Partners, a leading corporate advisory firm to Fortune 500 companies, and Keefe, Bruyette & Woods, the nation’s largest boutique investment bank focused on the financial services sector. Mr. Graziano graduated from Bucknell University with honors with a degree in Computer Science & Engineering.

Mark founded and oversees the product development for DemystData; a product to source, clean, model, and deliver rich financial services data. Prior to founding DemystData, Mark was a Managing Director with LexisNexis in New York, where he led the US insurance analytics client engagement team, with responsibilities including price optimization, competitive intelligence, distribution optimization, and data product development. Prior to that Mark was a partner at Optimal Decisions Group, where he grew the US practice with cutting edge price optimization technology and change management consulting. Mark’s expertize includes applied statistics, including multivariate and non-parametric data mining and modelling techniques. Mark’s has led numerous software product development teams, with technical skills spanning most modern coding languages and agile programming techniques. Mark has an MBA (Beta Gamma Sigma Honors) from Columbia University, and degrees in Engineering and Commerce (Honours) from The University of Melbourne.

Speakers

LendIt 2013

Soul Htite Founder & CEO of SinoLending

James A. Jones CEO of the Self-Directed IRA Investment Institute

Jason Jones Partner at Disruption Credit

Candace Klein Founder & CEO of SoMoLend

Mr.Soul is the founder and CEO of SinoLending (www.sinolending.com), a Shanghai-based online marketplace where members can borrow and lend money among themselves at better interest rates. SinoLending focuses on serving customers from China. Prior to this, Soul co-founded Lending Club where he served as Head of Technology since inception until 2011. He led all the designs and development operations ensuring that all online capabilities were both state-of-the-art and fully secure. The P2P platform received the prestigious Technology Pioneer award at the World Economic Forum in 2011. Soul has spent most of his professional career building enterprise-level software with Oracle Corporation. He has focused on real-time online services and system design for high availability. Soul held a senior product development position in the Oracle core server technologies team, and lead research projects focusing on diagnosability and online system management services. Soul also led a global early product adoption initiative for Oracle's real-time collaboration products. Soul completed his Master’s Degrees in Computer Networking and Software Engineering from the University of Montreal in Quebec, Canada.

James A. Jones is the CEO and Founder of the Self-Directed IRA Investment Institute. Invited to the White House Crowd funding Champions of Change, he is a nationally recognized Self-Directed IRA speaker, author and educator and Certified IRA Services Professional. Mr. Jones is a regularly featured speaker at Crowdfunding Industry Association events and presents on industry record attending webinars with Morningstar and Key Partners on truly diversifying retirement plans though alternative assets in IRA’s and Solo 401K’s. James A. Jones works directly with IRA holders, as well as Crowd funding portals, Broker Dealers, Hedge Fund Managers, Tax Attorneys, CPA’s, Registered Investment Advisers, Family Offices and Real Estate firms and associations. He is the author of the series "Retire Richer" with "Self-Directing Your Retirement", "Self-Directed IRA Workbook", the Industry’s first practical step-by-step guide in the process of investing in self-directed IRA’s, and "Self-Directed IRA - Prohibited Transactions". Having spent over 20 years in financial services working for firms such as Merrill Lynch and Wells Fargo, Mr. Jones has Series 65, 7, 63, insurance and mortgage licenses as well as a graduate degree in Finance from Harvard University. James serves as the Co-Chair of the Investor Committee of the Crowd funding Intermediary Regulatory Advocates (CFIRA), the Board of Advisors for CROWD and is a Founding Member of the Crowd funding Professional Association.

Jason is a founding partner at Disruption Credit and a co-founder of the LendIt Conference. He is an entrepreneur and portfolio manager who has advised sovereign wealth funds and institutions on investments in alternative assets. Jason has invested in over 200 publicly traded Internet and technology companies and advised investments in over 40 venture capital and private equity funds. Previously, Jason was founder & CEO of HighStep Capital and was a founding partner at Ketchem Creek Capital and AlphaClone. Earlier in his career, he held analyst positions at Goldman Sachs, Cambridge Associates, J. Goldman & Co., and Fidelity Investments. Jason is currently Chairman of the Asset Allocator Committee for the NY Hedge Fund Roundtable. Jason holds a BS from Babson College and an MBA with distinction as a Park Leadership Fellow from the Johnson School at Cornell University.

Candace Klein is the Founder and CEO of SoMoLend, a leading debt-based funding platform that enables small businesses to get loans funded through lenders on SoMoLend.com. She also practices corporate law at Ulmer and Berne, LLP. Prior to SoMoLend, Klein founded Bad Girl Ventures (BGV), a non-profit, micro-finance organization that educates and finances women-owned startups. Klein earned a law degree from Chase University and Bachelors of Arts degree from Northern Kentucky University. She is a founding member of Crowdfund Intermediary Regulatory Advocates (CIFRA), and a co-author of the crowdfunding bill that was signed into law with the JOBS Act 2012.

Speakers

LendIt 2013

David Klein Founder & CEO of CommonBond

Renaud Laplanche Founder & CEO of Lending Club

Lekith Lokesh Vice President of Barclays Securitized Products Origination Group Nathan Marcos Co-Founder of Blue Air Solutions

Featured in publications such as Inc Magazine and The Wall Street Journal, CommonBond is a Series A-funded venture that has disbursed millions of dollars in student loans. The company’s model connects student borrowers and alumni investors, allowing students to save on interest rates and investors to earn a financial return. Prior to CommonBond, David worked in consumer finance at American Express, as Director of Strategic Planning and Business Development. Prior to American Express, David worked at McKinsey & Company, where he advised clients in the financial services industry. David graduated from Brandeis University with a BA in Politics, Economics, and International Business and is an alumnus of the Wharton School of Business at the University of Pennsylvania.

As Founder and CEO Renaud is responsible for overseeing the strategic direction and operation of Lending Club. Renaud has appeared in many leading publications including The Wall Street Journal, The New York Times, The Washington Post, USA Today, BusinessWeek and Barrons’. Renaud has been featured on CNBC, ABC News, and Fox Business News. Before Lending Club, Renaud was the Founder & CEO of TripleHop Technologies, an enterprise software company acquired by Oracle Corporation in June 2005. Prior to that, Renaud was a Senior Associate at New York law firm Cleary Gottlieb Steen & Hamilton. He was named the 2012 Entrepreneur of the Year at the BFM Awards, and in 2002 was honored with the HEC Entrepreneur of the Year award. Renaud has also won the French sailing championship twice, in 1988 and 1990. Renaud has a Masters of Business Administration from HEC and London Business School and a JD from Montpellier University. He is a frequent guest lecturer at Columbia Business School and a member of the Young Presidents’ Organization.

Lekith Lokesh is a Vice President in Barclays Securitized Products Origination Group, where he has worked since April 2011. Mr. Lokesh is responsible for advising Peer-to-Peer and online lenders in alternative sources of funding, business development opportunities and capital introductions. In addition, he covers mortgage originators and servicers. Prior to focusing on Peer-to-Peer lending and residential mortgage securitization, Mr. Lokesh spent five years in Bank of America Merrill Lynch’s Education Finance Group covering for-profit and non-profit student loan issuers. He holds a B.S. in Economics from the University of North Carolina at Chapel Hill.

Nathan Marcos is a Senior Software Engineer at a large global investment management firm with

over $110B in assets under management. Presently, he manages a team of software developers

tasked with developing research and portfolio management tools in order to facilitate and expedite

internal investment objectives. Before this, Nathan worked at FedEx Express’ Memphis Headquarters

as a Senior Engineer in the Avionics Engineering department. At FedEx, Nathan managed a team of

avionics and software engineers to provide rapid and creative solutions to high priority taskings. His

work continues to have an immediate impact to over 2,000 FedEx Express pilots during daily flight

operations. While having a notable career in software development, Nathan got his start while flying

surveillance and reconnaissance missions for six years in the US Air Force. Nathan deployed several

times over his Air Force career including flying combat missions in Iraq and Afghanistan for Operation

Iraqi Freedom and Operation Enduring Freedom. He also served in South and Central America flying

counter narcotics and air interdiction missions. With his account management toolset, BlueVestment,

Nathan is currently exploring new opportunities in the investment world and trying to bring together

investors from all walks of life into the social lending community.

Speakers

LendIt 2013

Charles Moldow General Partner of Foundation Capital

Mike Mondelli CEO of L2C Inc.

Michael Parekh CEO and Partner of Disruption Credit

Charles joined Foundation Capital in 2005, with a background in general management, sales, marketing, product management, and business development. Before coming to Foundation Capital, he was part of two teams that successfully built companies from early start-up through greater than $100 million in sales and exits near or above a billion dollars. Charles has made fourteen investments since joining Foundation, of which five have been acquired: PowerSet to Microsoft; Xoopit to Yahoo!; Adwhirl to Google; Weblistic to Spot Runner; and, Therative to Phillips. Charles' current portfolio includes: BancBox, CloudOn, Copious, Everyday Health, Fanhood, HomeRun, LendingClub, Luminate, Motif Investing, Revel Touch, and SunRun. Prior to Foundation, Charles spent five years with Tellme Networks and was a member of the founding executive team. While there, he led Tellme in raising one of the largest private financing rounds in the country post-Internet bubble, adding $125 million in cash to the company balance sheet during tough market conditions in August, 2000. Tellme was acquired by Microsoft in 2007 for $760 million. Prior to Tellme, Charles was a member of the founding team of Internet access provider @Home Network. In 1996, he established the @Media division; and over the ensuing three years helped establish @Media as the leading broadband media provider. In 1997 the company went public. A year later, Charles assisted in the $7 billion acquisition of Excite Network. After the merger, he became General Manager of Matchlogic, the $80 million division focused on interactive advertising. Charles' entrepreneurial penchant dates back to 1989 when he co-founded OnTime Guide—which replaced the OAG Pocket Flight Guide as the must-have resource for frequent business travelers—and PrimeTime Partners, which attempted to establish a new category of self liquidating promotions on behalf of advertisers and direct marketers. Prior to that, Charles spent three years in the Mergers and Acquisitions practice at Merrill Lynch. Charles holds a BS degree from the Wharton School at the University of Pennsylvania and received his MBA from Harvard University. He lives in the Bay Area with his wife and four children.

Mike is the CEO and Co-founder of L2C, Inc. He focuses on Business and Product Development for L2C, Inc. and is a thought leader in consumer scoring leveraging alternative credit bureau data. Mike has overseen the adoption of L2C’s service offerings for several Fortune 500 clients and led the development of innovative agreements with TransUnion & Equifax for distribution of L2C services. Before co-founding L2C in March 2000, Mike worked for seven years in the securities business with Morgan Keegan Company as a First Vice President where he was advisor to several burgeoning technology companies. Mike graduated from The University of the South with a BA in Economics and received his MBA in Finance from Georgia State University. He is married with one child and enjoys spending time with his family, cycling and traveling.

Michael is a founding partner and CEO of Disruption Credit. He is a 20-year veteran and former Partner at Goldman Sachs, where he founded the Internet Research team. He was the lead analyst for the IPOs of Yahoo!, eBay, DoubleClick, Webex and UUNet among others. Previously, Michael was head of research sales for the Middle East & North Africa. Michael has been an investor and advisor to startups and an active member in the angel investment community for the past decade. He holds an MBA from UNC Chapel HIll and a BS from Auburn University.

Speakers

LendIt 2013

Kathryn Petralia Co-Founder & COO of Kabbage, Inc.

Michael Phillips Creator of Nickel Steamroller

Peter Renton CEO of Lend Academy

Brendan Ross Founder of Ross Asset Advisors

Frank Rotman Partner of QED Investors

Kathryn has spent the past 17 years working with both startups and established companies focused on credit, payments, technology and ecommerce. Kathryn started Kabbage along with her two co-founders in late 2008, and it has grown from 3 employees and a Power Point to 95 employees and over 100,000 customers in just over four years. Prior to Kabbage, Kathryn was with Revolution Money, an Internet-based credit card startup based in St. Petersburg, Florida, where she was Vice President of Strategy. Before Revolution, Kathryn was a corporate development executive with CompuCredit Corporation, where she was responsible for entering new markets, product development initiatives, as well as the establishment of multiple strategic alliances. Kathryn was also one of the founders of WorthKnowing.com, a consumer financial services portal whose IP was later sold to CompuCredit and TransUnion. She holds a B.A. in English Literature from Furman University.

Peter Renton is co-founder of the LendIt Conference and founder and CEO of Lend Academy, the leading educational resource for the peer to peer lending industry. He is an active investor in and a passionate advocate for peer to peer lending and he enjoys teaching people about this burgeoning new industry. He writes regularly on his own blog and has been featured in Techcrunch, Fox News, The Financial Times and the San Francisco Business Times. He is the publisher of the online video course, the Lend Academy Wealth System, that teaches new investors about the opportunity of p2p lending and he is also the author of The Lending Club Story, the first book published about the world's leading p2p lender.

Brendan Ross founded Ross Asset Advisors in 2008. The firm specializes in combining traditional and alternative investments, with a focus on private debt including P2P lending. In 2012, Mr. Ross started the Direct Lending Income Fund, a private investment fund that owns 12-month loans made to established, local businesses. After graduating from Brown University with Honors, Mr. Ross began his career at Mercer Management Consulting (now Oliver Wyman), where he worked for a variety of clients including United Airlines, Bank of America, and AOL. He has also worked for MediaOne in strategy, and for Ticketmaster in ecommerce product management. Prior to founding Ross Asset Advisors, Mr. Ross has served as CEO at a number of companies including ReserveAmerica, the world’s largest outdoor recreation reservation company, employing 600 people across North America, and Fanfare Media Works, a $50 million provider of in-supermarket advertising on register tape and shopping carts. Mr. Ross spends his time running Ross Asset Advisors and the Direct Lending Income Fund, and mountain biking. He lives with his wife Jill and two children in La Canada, nestled in the foothills at the northern edge of Los Angeles.

Frank was one of the earliest analysts hired into Capital One and spent almost 13 years there helping

build many of the company’s business units and operational areas. With two decades in consumer &

small business finance, Frank is widely known in the industry as a Credit Risk and Portfolio

Management Expert. His responsibilities have included turning round underperforming business

units, building new businesses from concept to market leadership positions, overseeing the credit

performance of Capital One as a whole, and creating a Student Lending company after leaving Capital

One in December 2005.

Speakers

Michael Phillips is the creator of Nickel Steamroller, a leading platform-agnostic statistical analytics website. Recently, Michael launched NSR Premium, an automated investment platform which supports Lending Club and Prosper. He believes the future of P2P lending will be centered around technology and wants to deliver innovative solutions that will transform the industry.

LendIt 2013

Scott Sanborn COO of Lending Club

Jeff Stewart Founder & CEO of Lenddo

Jennifer Stewart COO of Disruption Credit

Ron Suber Head of Global Institutional Sales of Prosper Marketplace

As the Chief Operating Officer, Scott is responsible for connecting to Lending Club’s customers through advertising, PR, and the website. Before joining Lending Club Scott was the Chief Marketing and Revenue Officer for eHealthInsurance, a publicly traded ecommerce company where he lead double digit growth in revenue and new customer acquisition. Prior experience includes various senior marketing roles including Chief Marketing Officer and interim president of RedEnvelope, Inc., an e-commerce and catalog retailer of upscale gifts, and Senior Vice President of Marketing for the Home Shopping Network, a television and internet retailer of consumer products.

Jeff Stewart is a serial entrepreneur, inventor and investor specializing in internet-enabled growth businesses. Jeff is the founder and CEO of Lenddo, the world’s first online community that empowers the emerging class to use their online social connections to build their creditworthiness and access local financial services. Jeff is the founder of Urgent Group, a venture development firm focusing on building innovative technology-enabled businesses, as well as the founder of Urgent Ventures LLC, which co-invests in angel stage technology start-ups. Jeff also founded Urgent Career, a venture-backed recruitment technology and services firm that seeks to improve how growth companies find, screen and assess sales talent. Prior to Urgent Career, Jeff founded Monitor110, which offered internet-based semantic big-data analysis to institutional investors. Jeff is also founder, former CEO, and current chairman of Mimeo.com, a state-of-the-art, Internet-based document production service included in the 2004 and 2005 Inc. 500 lists of the fastest growing companies, the 2005 Red Herring 100 list of private companies that drive technology, and Deloitte’s Technology Fast 500. Mr. Stewart’s entrepreneurial career began in 1995 with his launch of Square Earth, an Internet technology company whose customers included Citibank, Compaq, UPS, Merrill Lynch, Oppenheimer and AIG. Consistently profitable, Square Earth grew at a rate of over 100% per year, merged with Proxicom in January 1998, and successfully completed an IPO as the combined company in 1999.

Jennifer is a founding partner at Disruption Credit. She has extensive private equity and structured finance experience. Jennifer is the founder of Beacon Bay Holdings, a middle market private equity firm. She has previous experience at Irving Place Capital (formerly Bear Stearns Merchant Banking), BankPass, and Exxon. She holds an MBA from Harvard Business School and a BS from Penn State.

Ron Suber is the Head of Global Institutional Sales, Prosper Marketplace, Inc. Mr. Suber has more than 20 years of experience in sales, marketing, and business development across the hedge fund, broker dealer and registered investment advisor industries. Mr. Suber joined Prosper from Wells Fargo Securities where he served as Managing Director. Prior to Wells Fargo, Mr. Suber served as the Head of Global Sales and Marketing and Senior Partner for Merlin Securities alongside Prosper CEO, Stephan Vermut. Prior to his work with Merlin Securities, Mr. Suber was President of Spectrum Global Fund Administration. He also spent 14 years at Bear Stearns where he served as Senior Managing Director and Manager of Global Clearing Sales. Mr. Suber sits on the board at HazelTree Fund Services. Mr. Suber earned a B.A. in Economics from the University of California, Berkeley.

Speakers

LendIt 2013

Matt Symons CEO & Co-Founder of SocietyOne

Joe Toms

Alex Tonelli Co-Founder of Endurance Lending Network

Brandon Wright

CEO & Co-Founder of Cognical

Matt is the CEO and co-founder of SocietyOne. SocietyOne is Australia's first fully compliant P2P lender and owner of the ClearMatch™ technology platform. The ClearMatch™ technology platform combines a proven loan origination, credit assessment and loan portfolio management solution with the highly innovative SmartFund module that enables groundbreaking innovation such as the first personal loan application and approval process designed to work on a phone. See our 'Best-of-Show' winning Finovate Demo here http://www.finovate.com/asia12vid/societyone.html. The ClearMatch™ platform is also one of the first P2P platforms anywhere in the world to offer investors access to multiple loan asset classes from a single integrated dashboard. Prior to co-founding SocietyOne Matt was the CEO of Memetrics Ltd a profitable, rapid growth data and analytics technology business based in San Francisco. After managing the successful sale of Memetrics to Accenture in 2007 Matt spent 4 years as the Partner responsible for leading Accentures marketing data management and analytics team from San Francisco. Matt's practice was centered around large scale digital transformation projects with a focus on innovative technology adoption within the enterprise. Matt is also an active angel investor with 10 current investments and a couple of successful exists (including the sale of Quotify to Telstra in 2011). Matt graduated with a law degree from the University of Melbourne and has worked as an attorney for both Korea's largest law firm, Kim & Chang, and one of Australia's largest law firms, Minter Ellison.

Mr. Toms has spent the past three years as a C-Level executive for both primary P2P platforms, Lending Club and Prosper. At Lending Club he was responsible for creating the company’s investment subsidiary, LC Advisors and subsequently became the Chief Investment Officer at Prosper before leaving in February 2013. Prior to his direct lending experience he spent 25 years in asset management working for U.S. and European institutional accounts managing a variety of different investment products. His career started in 1985 at Fisher Investments (a $35 billion dollar equity manager) where he was one of the original employees and Director of Research. He was the founder and Managing Principal of Hilspen Capital Partners a $500 million dollar long/short equity hedge fund and research boutique, served as a Director for RAB Capital Funds and was President and CIO of Compass Global Advisors, a $2 billion dollar Fund of Fund.

Alex Co-Founded Endurance Lending Network after finding the difficulty in raising capital for his successful small businesses. Previously, he was an investor at Summit Partners, Hasso Plattner Ventures, and Seneca Capital. Outside of investing, Alex implemented a turnaround as CEO of Adora, a Hasso portfolio company; has worked in Investment Banking at Citigroup; as a Consultant at Lubin Lawrence; and at the US Embassy in Paris. Alex received a MBA from Stanford University and an AB, cum laude, from Dartmouth College.

Brandon founded Cognical to address the ubiquitous underwriting challenges of lenders he felt so

distinctly in the mortgage markets. He began his career in lending at Chase in the Pacific Northwest

before starting his own residential mortgage brokerage specializing in prime non-agency lending in

Seattle in 2005. He sold his firm in 2010 after 5 years of 30% annual volume growth, and moved his

young family to Ithaca, NY to earn his MBA at the Johnson School at Cornell University. He co-

founded Cognical in 2012 in order to help all lenders across all credit categories leverage the true

predictive power of their own data to identify the borrowers that will pay them back.

Speakers

LendIt 2013

Every now and then a company comes along that completely transforms an industry. Today, what Lending Club is

doing to the financial services industry is truly revolutionary. The way we invest and borrow money is being

changed forever.

With over $1.9 billion in loans issued Lending Club is quickly moving towards the mainstream of consumer finance.

Peer to peer lending can no longer be ignored as a passing fad, it is clearly here to stay. The Lending Club Story is

the first book ever published about Lending Club, the world’s largest p2p lender. It is part storytelling, part

investment guide and part reference book.

In this book Peter Renton, the founder of Lend Academy, explains:

• What is peer to peer lending and why it is becoming so popular

• How Lending Club went from just an idea to $1 billion in loans in less than six years

• How a little startup called Lending Club thrived during and after the financial crisis while some of the largest

companies on Wall Street were collapsing

• How investors are benefiting from this new kind of investment

• How the borrowing process works at Lending Club

• What the future holds for this fast growing company

Many intelligent investors from successful hedge funds as well as small mom and pop investors are moving money

away from the stock and bond markets and into peer to peer lending with Lending Club. After you have read this

book you will understand why.

The Lending Club Story is rated 4.8 out of 5 stars on Amazon.

Book Signing

Book Signing

LendIt 2013

Google's Investment into Crowdfinance - A Defining Moment for the Financial Markets By Dara Albright, Founder of NowStreet www.nowstreetjournal.com May 6, 2013 Since 2006, P2P & online lending have enjoyed explosive growth. Lending Club and Prosper, America’s two largest P2P lenders have now surpassed $2B in loan origination, and P2P has captured the attention of industry legends, the financial media, the investing public and even today’s technology giants. Lending Club’s board is comprised of such recognized leaders as former Visa Inc. President Hans Morris; the former U.S. Secretary of the Treasury Lawrence H. Summers; Morgan Stanley Chairman Emeritus John Mack and Kleiner Perkins Caufield & Byers general partner Mary Meeker. Prominent venture capitalist firms invested in the sector include: Draper Fisher Jurvetson, Accel Partners, Sequoia Capital, Union Square Ventures, Foundation Capital, Thomvest and Kleiner Perkins Caufield & Buyers. But the industry reached a new pinnacle last Thursday when Google announced it has led a $125 million deal to buy a stake in Lending Club from existing investors. This transaction values Lending Club at $1.55 billion - nearly tripling the valuation of its last fund-raising round less than a year ago. Upon the announcement hitting the wires, @lendingclub enjoyed well over 5,000 mentions on Twitter (compared with 5-10 on a typical day), and at its peak averaged 5-7 tweets per minute. “Google’s investment into Lending Club is further evidence of the current sea change that has begun in financial services. It signals a decisive moment for the validity of P2P lending, the disruption of traditional banking as well as the convergence of finance and information technology. I look forward to hearing Lending Club’s CEO, Renaud Laplanche, discuss the implications of the Google investment at next month’s LendIt conference, the world’s first conference dedicated exclusively to the P2P & online lending industry,” stated Peter Renton, Founder of Lend Academy & author of The Lending Club Story, the definitive guide to the world’s leading peer-to-peer lender.

Although momentous for the consumer credit sector, many have been wondering how P2P’s triumphs relate to securities-based crowdfunding. The fact is, because P2P lending is the precursor to securities-based crowdfunding, its achievements are not only dramatically impacting the emerging crowdfunding industry, they are helping shape it. Securities-based crowdfunding or “Peer-to-Business (P2B)” is simply the next iteration of P2P. However, instead of peers providing personal loans to its peers, securities-based crowdfunding will allow peers to invest in the businesses of its fellow peers in exchange for equity or debt. By demonstrating that people are more efficient at financing each other through the use of social media than with conventional banking intermediaries, P2P has effectively validated the “crowdfinance” model for the entire industry, even compelling the financial establishment to enter the fray. In just seven years, P2P lending has not only awakened Wall Street and secured funding from many of the same venture capitalists that had the foresight to fund some of the most disruptive industries in history, it has attracted the attention and capital from the world’s most prominent Internet company. While we can all speculate on what interest a search engine would have in social finance, one cannot help but view Google’s assimilation of P2P as a defining moment for the global financial markets. As the next evolution of “fintech” (the union between finance and technology) descends rapidly upon us, traditional banking methods and financing structures are about to become as obsolete as the phone booth. Much like P2P’s prominence began escalating after the SEC effected the rules for P2P lending in 2008, upon the implementation of title III of the JOBS Act, expect securities-crowdfunding to quickly garner similar enthusiasm from the Street, the venture community, and yes, even tech behemoths. As P2P continues to mark major milestones, it is paving the way for the mainstream adoption of securities-based crowdfunding. As such, P2P’s achievements should be carefully observed as well as celebrated by the entire crowdfunding movement. Securities-based crowdfunding is tomorrow’s P2P.

LendIt 2013