Asset-Backed Securities

Asset-Backed Securities

Legal Terms and Conditions

The information provided in the following section of this website pertains to certain debt securities issued by Oportun Financial Corporation and its affiliates (collectively, “Oportun”). These debt securities were originally offered and sold solely to qualified institutional buyers in private transactions that were not required to be registered with the Securities and Exchange Commission (“SEC”). The information is provided to existing investors in the debt securities under the documents that govern the debt securities.

No Offer or Solicitation of Securities

The information shall not constitute an offer to sell or a solicitation of an offer to buy any securities, is not advice or a recommendation to purchase, sell or hold any securities and, in each case, shall not be construed as such.

Terms of the Securities

The terms of any particular issuance of debt securities are governed by the documents establishing such terms. In the event there is an inconsistency between the documents regarding a particular issuance and the terms specified in or determined pursuant to the documents that establish the terms of such issuance, the terms so specified or determined in the applicable documents shall prevail.

Limitation of Liability

Oportun reserves the right to amend, revise or remove any information in this section of the website at any time without notification. However, Oportun has no duty to update the information, and you should not assume that any information is accurate as of any date other than the date indicated. Past performance is not a guarantee and may not be indicative of future results, which may vary materially and adversely from the information presented. Prospective eligible investors in the debt securities should consult their own financial and legal advisors about risks associated with investment in the debt securities and the suitability of investing in such securities in light of their particular circumstances.

Furthermore, Oportun assumes no responsibility for damages of any kind, including actual, special or consequential, incurred in connection with the use of the information contained in this section of the website. These materials are provided for informational purposes only.

The information is not intended to be a complete discussion of all material information about Oportun, the debt securities or any other securities. You should not rely on the information contained in this section of the website. For current information about Oportun, please refer to Oportun’s most recent filings with the SEC on the Investor Relations page of Oportun’s website and also the SEC website at http://www.sec.gov.

Cautionary Note Regarding Forward-looking Statements

The website may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including forward-looking statements relating to such matters as funding strategies, collection activities, prepayment rates, delinquencies, losses, and other matters. These forward-looking statements can be identified by the use of future tense, dates or terms such as “believe,” “expect,” “estimate,” “anticipate,” “intend,” “may,” “might,” “will,” “would,” “project,” and “predict,” or similar words and phrases. Because these statements involve risks and uncertainties, actual results or events may differ significantly from the results or events predicted or anticipated by these statements. Accordingly, you should not place undue reliance on these statements.

We do not undertake any obligation to publicly release any revisions to these forward-looking statements to reflect events or circumstances after the date of this document or to reflect the occurrence of unanticipated events or the non-occurrence of anticipated events. Important factors that could cause actual results, performance or achievements to differ materially from those expressed in or implied by forward-looking statements include, without limitation, the risks and uncertainties described in the “Risk Factors” and “Management’s Discussion and Analysis” sections of Oportun’s most recent periodic reports filed with the SEC and in other filings with the SEC from time to time. Such factors that could cause actual results, performance, or achievements to differ materially from those expressed in or implied by forward-looking statements does not purport to be complete and new factors, risks and uncertainties may arise in the future that are impossible for us to currently predict.

I have read and agree to the terms and conditions as set forth above.

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