Lending Club - 2017-11-01 - Terms and Conditions

To participate in Found Money promotions, you must have an Acorns Core account in good standing.

Partner: Lending Club Personal Loans

Contribution: $50 for each personal loan funded by the Partner with a loan amount greater than or equal to
$5,000.

Eligible Transaction: Customer must click the Partner link in the Acorns app, register for an account, submit the online application and receive a funded loan with a loan amount greater than or equal to $5,000 to be eligible.

Limitations: Individuals who receive a funded loan with a loan amount of $1,000 to $4,999 are not eligible for this promotion.  This offer is not avaialble to residents of Iowa. 

Promotion Period: You must successfully complete the eligible transaction after midnight (Pacific Time) on November 2nd 2017. Acorns may, from time to time at its sole discretion, [end/extend], shorten, or otherwise modify such time period by posting changes at its website or within the Acorns app.

Notification and Posting: You will typically be notified within 72 hours of successfully completing an eligible transaction, and contributions to your Acorns Core account will typically be posted within 120 days thereafter.

Acorns is not a party to and makes no warranties regarding any purchase from or transaction with the Partner, and as such shall not be liable in connection with any dispute, faulty or defective merchandise or other issues that may arise in connection with any such purchase or transaction. While it is intended that contributions to your Acorns Core account be completed within 120 days from the last date on which any item included within an eligible transaction is able to be returned to the Partner in accordance with the Partner’s standard return policy, delays may occur and neither Acorns nor the Partner will be liable in connection with any such delay. You will be notified via e- mail, through the Acorns mobile application or via other means within 72 hours of successfully completing an eligible transaction included within this promotion, however Acorns will not be liable in the event any such notice is not timely sent or received. Eligibility to participate in certain promotions may require the allowance of cookies on the applicable mobile or desktop device, and may also require other device settings as determined by Acorns from time to time.

To the extent an Acorns customer believes that they are entitled to a reward that has not been contributed to such customer’s Acorns Core account, such customer must notify Acorns within 60 days from the applicable transaction date by either sending an email to support@acorns.com or completing and submitting a support request at https://www.acorns.com/support/contact. Acorns will, upon timely receipt of any such notice, investigate such support request, and Acorns’ decision in respect of such matter shall be final and binding.

Acorns shall be entitled to terminate or cancel all or any portion of this or any other promotion at any time by either providing email notice to its customers or posting such cancellation or termination notice at its website or within its mobile application.

Advisory services are offered by Acorns Advisers, LLC, an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns Advisers by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Investments are not FDIC insured. Investing involves risk and investments may lose value. Please consider your objectives and Acorns Advisers’ fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, “Invest the Change” and “Found Money” are registered trademarks of Acorns Grow, Inc. Copyright © 2017 Acorns and/or its affiliates.

See Lendingclub.com/info/borrower-agreement for more details. To borrow through Lending Club, individuals must be a US citizen, permanent resident, or be in the United States on valid long-term visa, and be at least 18 years old with a verifiable bank account. Lending Club is not available in Iowa and West Virginia. The APR ranges from 5.99% to 35.89%. For example, with a credit grade of A1 you could receive a loan of $10,000 with an interest rate of 5.32% and a 1.00% origination fee of $100 for an APR of 5.99%. In this example, the individual will receive $9,900 and will make 36 monthly payments of $301.15. The total amount repayable will be $10,841.40. Your APR will be determined based on the individual’s credit at time of application. The origination fee ranges from 1% to 6% and the average
origination fee is 5.47% as of Q3 2016. There is no down payment and there is never a prepayment penalty. Closing of the loan is

contingent upon the applicant’s agreement of all the required agreements and disclosures on the www.lendingclub.com website. All loans made by WebBank, Member FDIC. All loans via Lending Club have a minimum repayment term of 36 months or longer.