 The actual default rates for the loans originated by Prosper in 2007 were in fact higher than projected.Prosper's aggregate return (across all credit grades and as measured by LendStats.com, based upon actual Prosper marketplace data) for the 2007 vintage was (6.44)%, for the 2008 vintage (2.44)%, and for the 2009 vintage 8.10%.Independent projections for the 2010 vintage are of an aggregate return of 9.87.