Actual rates in some products for 2022 were slightly below target due to i) an influx of new investment onto the platform during the start of 2022. This meant new investors were waiting 1-2 weeks to have their funds invested which resulted in a lower actual return for these investors due to cash drag. ii) a higher proportion of A rated loans than anticipated for the year.

• The table above relates to the period from 1 January – 31 December 2022.
• Where there is a change in the interest rates or qualification criteria for a Product, lenders are automatically moved to the Product that meets their profile. Where such a change occurs, we treat this as a different Product for the purposes of showing loan performance data.
• The “Period Available” refers to the period when it was possible for lenders to enter into new loans at the quoted Target Rate. Loans entered into during that Period would continue to be held within the Product after the Product had ceased until they were redeemed by the borrower or sold by the lender.
• The “Actual Rate” is the weighted average return received by lenders under the relevant Product. This takes into account the effect of cash drag (where money is held in cash pending investment into a loan); default (where the borrower fails to make repayment); and compounding (where interest earned is re-invested to earn additional interest). Payments made by easyMoney to cover borrower interest are not included within the Actual Rate unless the borrower subsequently made good. Only includes investments which satisfy the product criteria and were invested for at least 90 days.
• The “Target Rate” is the rate that easyMoney advertised for the Product during the Period available. This represented the contractual rate that investors in a product would be entitled to from borrowers under all loans they entered into. The contractual rate does not take into account the effect of cash drag, default or compounding, which are reflected in the actual rate.
• The returns do not show the effect of tax. Individual lenders holding a product outside of an Innovative Finance ISA will have to pay income tax at their marginal rate, which is dependent on individual circumstances.
• Past performance is not a reliable indicator of future results.

Towards the end of 2021, an unusually high proportion of our loans were repaid within a month. It took about 6 weeks to re-invest these high cash balances, which had a negative effect on the actual return, particularly for the v3 products that were launched just before the repayments. As our loan book continues to grow and diversify, this reduces the likelihood of cash drag due to such fluctuations.

• The table above relates to the period from 1 January – 31 December 2021.
• Where there is a change in the interest rates or qualification criteria for a Product, lenders are automatically moved to the Product that meets their profile. Where such a change occurs, we treat this as a different Product for the purposes of showing loan performance data.
• The “Period Available” refers to the period when it was possible for lenders to enter into new loans at the quoted Target Rate. Loans entered into during that Period would continue to be held within the Product after the Product had ceased until they were redeemed by the borrower or sold by the lender.
• The “Actual Rate” is the weighted average return received by lenders under the relevant Product. This takes into account the effect of cash drag (where money is held in cash pending investment into a loan); default (where the borrower fails to make repayment); and compounding (where interest earned is re-invested to earn additional interest). Payments made by easyMoney to cover borrower interest are not included within the Actual Rate unless the borrower subsequently made good. Only includes investments which satisfy the product criteria, with 100% of the minimum investment requirement for Classic and at least 10% of minimum investment requirement for other products, and were invested for at least 90 days.
• The “Target Rate” is the rate that easyMoney advertised for the Product during the Period available. This represented the contractual rate that investors in a product would be entitled to from borrowers under all loans they entered into. The contractual rate does not take into account the effect of cash drag, default or compounding, which are reflected in the actual rate.
• The returns do not show the effect of tax. Individual lenders holding a product outside of an Innovative Finance ISA will have to pay income tax at their marginal rate, which is dependent on individual circumstances.
• Past performance is not a reliable indicator of future results.

• The table above relates to the period from 1 January – 31 December 2020.
• Where there is a change in the interest rates or qualification criteria for a Product, lenders are automatically moved to the Product that meets their profile. Where such a change occurs, we treat this as a different Product for the purposes of showing loan performance data.
• The “Period Available” refers to the period when it was possible for lenders to enter into new loans at the quoted Target Rate. Loans entered into during that Period would continue to be held within the Product after the Product had ceased until they were redeemed by the borrower or sold by the lender.
• The “Actual Rate” is the weighted average return received by lenders under the relevant Product. This takes into account the effect of cash drag (where money is held in cash pending investment into a loan); default (where the borrower fails to make repayment); and compounding (where interest earned is re-invested to earn additional interest). Payments made by easyMoney to cover borrower interest are not included within the Actual Rate unless the borrower subsequently made good. Only includes investments which satisfy the product criteria and were invested for at least 90 days.
• The “Target Rate” is the rate that easyMoney advertised for the Product during the Period available. This represented the contractual rate that investors in a product would be entitled to from borrowers under all loans they entered into. The contractual rate does not take into account the effect of cash drag, default or compounding, which are reflected in the actual rate.
• The returns do not show the effect of tax. Individual lenders holding a product outside of an Innovative Finance ISA will have to pay income tax at their marginal rate, which is dependent on individual circumstances.
• Past performance is not a reliable indicator of future results.

• The table above relates to the period from 1 January – 31 December 2019.
• Where there is a change in the interest rates or qualification criteria for a Product, lenders are automatically moved to the Product that meets their profile. Where such a change occurs, we treat this as a different Product for the purposes of showing loan performance data.
• The “Period Available” refers to the period when it was possible for lenders to enter into new loans at the quoted Target Rate. Loans entered into during that Period would continue to be held within the Product after the Product had ceased until they were redeemed by the borrower or sold by the lender.
• The “Actual Rate” is the weighted average return received by lenders under the relevant Product. This takes into account the effect of cash drag (where money is held in cash pending investment into a loan); default (where the borrower fails to make repayment); and compounding (where interest earned is re-invested to earn additional interest). Payments made by easyMoney to cover borrower interest are not included within the Actual Rate unless the borrower subsequently made good. Only includes investments which satisfy the product criteria and were invested for at least 90 days.
• The “Target Rate” is the rate that easyMoney advertised for the Product during the Period available. This represented the contractual rate that investors in a product would be entitled to from borrowers under all loans they entered into. The contractual rate does not take into account the effect of cash drag, default or compounding, which are reflected in the actual rate.
• The returns do not show the effect of tax. Individual lenders holding a product outside of an Innovative Finance ISA will have to pay income tax at their marginal rate, which is dependent on individual circumstances.
• Past performance is not a reliable indicator of future results.