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Junior Member
Nothing there says they particitate in the same loans.
From the Harmoney Disclosure Statement
Wholesale Lenders remunerate Harmoney differently to retail Lenders. Wholesale Lenders pay a Service Fee, and may pay an upfront Note Fee, as well as a share of income based on the net return of their portfolio. For this reason, Harmoney may allocate an increased share of loans into the wholesale marketplace.
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