In 2018 LendingClub provided us with $5,000 to open a new account; since then we have been tracking returns every quarter; for the year ending December 31, 2019 returns were 4.40%; at the end of the quarter LendingClub reported that retail investors made up 3% of funding or about $103 million; we reflect on the past with LendingClub’s announcement of the acquisition of Radius Bank and also dig into LendingClub’s quarterly update where they share platform updates. Lend Academy