Document:

EX-10.18.11

 Exhibit 10.18.11 

Execution Version 

OPORTUN FUNDING V, LLC 

SIXTH AMENDMENT TO THE BASE INDENTURE 

This SIXTH AMENDMENT TO THE BASE INDENTURE, dated as of September 12, 2019 (this “Amendment”), is entered into among
OPORTUN FUNDING V, LLC, a special purpose limited liability company established under the laws of Delaware, as issuer (the “Issuer”), and WILMINGTON TRUST, NATIONAL ASSOCIATION, a national banking association with trust powers, as
trustee (in such capacity, the “Trustee”), as securities intermediary (in such capacity, the “Securities Intermediary”) and as depositary bank (in such capacity, the “Depositary Bank”). 

RECITALS 
 WHEREAS, the Issuer,
the Trustee, the Securities Intermediary and the Depositary Bank have previously entered into that certain Base Indenture, dated as of August 4, 2015 (as amended, modified or supplemented prior to the date hereof, the “Base
Indenture”); 
 WHEREAS, the Issuer, the Trustee, the Securities Intermediary and the Depositary Bank have previously entered into
that certain Series 2015 Supplement, dated as of August 4, 2015 (as amended, modified or supplemented prior to the date hereof, the “Series Supplement”; together with the Base Indenture, collectively, the
“Indenture”); 
 WHEREAS, concurrently herewith, (i) the Issuer, the Trustee, the Securities Intermediary and the
Depositary Bank are entering into that certain Fourth Amendment to the Series 2015 Supplement, dated as of the date hereof, (ii) the Issuer, as purchaser, and Oportun, Inc. (“Oportun”), as seller, are entering into that certain
Seventh Amendment to the Purchase and Sale Agreement, dated as of the date hereof, (iii) the Issuer, PF Servicing, LLC, as servicer (the “Servicer”), and the Trustee are entering into that certain First Amendment to the
Servicing Agreement, dated as of the date hereof, and (iv) the Issuer, Oportun, the Servicer, each Noteholder and the Back-up Servicer are entering into that certain Consent, dated as of the date hereof;
and 
 WHEREAS, in accordance with Section 13.2 of the Base Indenture, the Issuer desires to amend the Base Indenture as provided
herein. 
 NOW, THEREFORE, in consideration of the mutual agreements herein contained, and other good and valuable consideration, the
receipt and adequacy of which are hereby acknowledged, each party hereto agrees as follows: 
 ARTICLE I 

DEFINITIONS 
 SECTION 1.01.
Defined Terms Not Defined Herein. All capitalized terms used herein that are not defined herein shall have the meanings assigned to them in, or by reference in, the Indenture. 

 ARTICLE II 

AMENDMENTS TO THE BASE INDENTURE 

SECTION 2.01. Amendments. The Base Indenture is hereby amended to incorporate the changes reflected on the marked pages of the Base
Indenture attached hereto as Schedule I. 
 ARTICLE III 

REPRESENTATIONS AND WARRANTIES 

SECTION 3.01. Representations and Warranties. The Issuer hereby represents and warrants to the Trustee, the Securities Intermediary,
the Depositary Bank and each of the other Secured Parties that: 
 (a) Representations and Warranties. Both before and immediately
after giving effect to this Amendment, the representations and warranties made by the Issuer in the Indenture and each of the other Transaction Documents to which it is a party are true and correct as of the date hereof (unless stated to relate
solely to an earlier date, in which case such representations or warranties were true and correct as of such earlier date). 
 (b)
Enforceability. This Amendment and the Indenture, as amended hereby, constitute the legal, valid and binding obligation of the Issuer enforceable against the Issuer in accordance with its respective terms, except as such enforceability may be
limited by bankruptcy, insolvency, reorganization, moratorium or similar law affecting creditors’ rights generally and by general principles of equity. 

(c) No Defaults. No Rapid Amortization Event, Event of Default, Servicer Default or Block Event has occurred and is continuing. 

ARTICLE IV 
 MISCELLANEOUS 

SECTION 4.01. Ratification of Base Indenture. As amended by this Amendment, the Base Indenture is in all respects ratified and
confirmed and the Base Indenture, as amended by this Amendment, shall be read, taken and construed as one and the same instrument. 

SECTION 4.02. Counterparts. This Amendment may be executed in any number of counterparts, and by different parties in separate
counterparts, each of which so executed shall be deemed to be an original, but all of such counterparts shall together constitute but one and the same instrument. 

SECTION 4.03. Recitals. The recitals contained in this Amendment shall be taken as the statements of the Issuer, and none of the
Trustee, the Securities Intermediary or the Depositary Bank assumes any responsibility for their correctness. None of the Trustee, the Securities Intermediary or the Depositary Bank makes any representations as to the validity or sufficiency of this
Amendment. 

  
 2 

 SECTION 4.04. Rights of the Trustee, the Securities Intermediary and the Depositary
Bank. The rights, privileges and immunities afforded to the Trustee, the Securities Intermediary and the Depositary Bank under the Indenture shall apply hereunder as if fully set forth herein. 

SECTION 4.05. GOVERNING LAW; JURISDICTION. THIS AMENDMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK,
WITHOUT REFERENCE TO ITS CONFLICT OF LAW PROVISIONS, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. EACH OF THE PARTIES HERETO AND EACH SECURED PARTY HEREBY AGREES TO THE NON-EXCLUSIVE JURISDICTION OF THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF NEW YORK AND ANY APPELLATE COURT HAVING JURISDICTION TO REVIEW THE JUDGMENTS THEREOF. EACH OF THE PARTIES HERETO AND EACH
SECURED PARTY HEREBY WAIVES ANY OBJECTION BASED ON FORUM NON CONVENIENS AND ANY OBJECTION TO VENUE OF ANY ACTION INSTITUTED HEREUNDER IN ANY OF THE AFOREMENTIONED COURTS AND CONSENTS TO THE GRANTING OF SUCH LEGAL OR EQUITABLE RELIEF AS IS
DEEMED APPROPRIATE BY SUCH COURT. 
 SECTION 4.06. Effectiveness. This Amendment shall become effective as of the date hereof upon:

 (a) receipt by the Trustee of an Issuer Order directing it to execute and deliver this Amendment; 

(b) receipt by the Trustee of an Officer’s Certificate of the Issuer stating that the execution of this Amendment is authorized and
permitted by the Indenture and all conditions precedent to the execution of this Amendment have been satisfied; 
 (c) receipt by the Trustee
of an Opinion of Counsel stating that the execution of this Amendment is authorized and permitted under the Indenture and all conditions precedent to the execution of this Amendment have been satisfied; 

(d) receipt by the Trustee of evidence of the consent of each Noteholder to this Amendment; 

(e) receipt by the Trustee of counterparts of this Amendment, duly executed by each of the parties hereto; and 

(f) receipt by the Trustee of such other instruments, documents, agreements and opinions reasonably requested by the Trustee prior to the date
hereof. 
 (Signature page follows) 

  
 3 

 IN WITNESS WHEREOF, the Issuer, the Trustee, the Securities Intermediary and the Depositary
Bank have caused this Amendment to be duly executed by their respective officers as of the day and year first above written. 
  

			
	OPORTUN FUNDING V, LLC,
	as Issuer
		
	By:	 	 /s/ Jonathan Coblentz

		 	Name: Jonathan Coblentz
		 	Title:   Treasurer

 Sixth Amendment to 

Base Indenture (OF V) 

 
			
	WILMINGTON TRUST, NATIONAL ASSOCIATION,
	not in its individual capacity but solely as Trustee
		
	By:	 	 /s/ Drew Davis

		 	Name: Drew Davis
		 	Title: Vice President
	
	WILMINGTON TRUST, NATIONAL ASSOCIATION,
	not in its individual capacity but solely as Securities Intermediary
		
	By:	 	 /s/ Drew Davis

		 	Name: Drew Davis
		 	Title: Vice President
	
	WILMINGTON TRUST, NATIONAL ASSOCIATION,
	not in its individual capacity but solely as Depositary Bank
		
	By:	 	 /s/ Drew Davis

		 	Name: Drew Davis
		 	Title: Vice President

 Sixth Amendment to 

Base Indenture (OF V) 

 SCHEDULE I 

Amendments to the Base IndentureEX-10.18.12

 Exhibit 10.18.12 

Execution Version 

OPORTUN FUNDING V, LLC 

FOURTH AMENDMENT TO THE SERIES 2015 SUPPLEMENT 

This FOURTH AMENDMENT TO THE SERIES 2015 SUPPLEMENT, dated as of September 12, 2019 (this “Amendment”), is entered into
among OPORTUN FUNDING V, LLC, a special purpose limited liability company established under the laws of Delaware, as issuer (the “Issuer”), and WILMINGTON TRUST, NATIONAL ASSOCIATION, a national banking association with trust
powers, as trustee (in such capacity, the “Trustee”), as securities intermediary (in such capacity, the “Securities Intermediary”) and as depositary bank (in such capacity, the “Depositary Bank”).

 RECITALS 
 WHEREAS, the
Issuer, the Trustee, the Securities Intermediary and the Depositary Bank have previously entered into that certain Base Indenture, dated as of August 4, 2015 (as amended, modified or supplemented prior to the date hereof, the “Base
Indenture”); 
 WHEREAS, the Issuer, the Trustee, the Securities Intermediary and the Depositary Bank have previously entered into
that certain Series 2015 Supplement, dated as of August 4, 2015 (as amended, modified or supplemented prior to the date hereof, the “Series Supplement”; together with the Base Indenture, collectively, the
“Indenture”); 
 WHEREAS, concurrently herewith, (i) the Issuer, the Trustee, the Securities Intermediary and the
Depositary Bank are entering into that certain Sixth Amendment to the Base Indenture, dated as of the date hereof, (ii) the Issuer, as purchaser, and Oportun, Inc. (“Oportun”), as seller, are entering into that certain Seventh
Amendment to the Purchase and Sale Agreement, dated as of the date hereof, (iii) the Issuer, PF Servicing, LLC, as servicer (the “Servicer”), and the Trustee are entering into that certain First Amendment to the Servicing
Agreement, dated as of the date hereof, and (iv) the Issuer, Oportun, the Servicer, each Noteholder and the Back-up Servicer are entering into that certain Consent, dated as of the date hereof; and 

WHEREAS, in accordance with Section 13.2 of the Base Indenture, the Issuer desires to amend the Series Supplement as provided herein.

 NOW, THEREFORE, in consideration of the mutual agreements herein contained, and other good and valuable consideration, the receipt and
adequacy of which are hereby acknowledged, each party hereto agrees as follows: 
 ARTICLE I 

DEFINITIONS 
 SECTION 1.01.
Defined Terms Not Defined Herein. All capitalized terms used herein that are not defined herein shall have the meanings assigned to them in, or by reference in, the Indenture. 

 ARTICLE II 

AMENDMENTS TO THE SERIES SUPPLEMENT 

SECTION 2.01. Amendments. The Series Supplement is hereby amended to incorporate the changes reflected on the marked pages of the
Series Supplement attached hereto as Schedule I. 
 ARTICLE III 

REPRESENTATIONS AND WARRANTIES 

SECTION 3.01. Representations and Warranties. The Issuer hereby represents and warrants to the Trustee, the Securities Intermediary,
the Depositary Bank and each of the other Secured Parties that: 
 (a) Representations and Warranties. Both before and immediately
after giving effect to this Amendment, the representations and warranties made by the Issuer in the Indenture and each of the other Transaction Documents to which it is a party are true and correct as of the date hereof (unless stated to relate
solely to an earlier date, in which case such representations or warranties were true and correct as of such earlier date). 
 (b)
Enforceability. This Amendment and the Indenture, as amended hereby, constitute the legal, valid and binding obligation of the Issuer enforceable against the Issuer in accordance with its respective terms, except as such enforceability may be
limited by bankruptcy, insolvency, reorganization, moratorium or similar law affecting creditors’ rights generally and by general principles of equity. 

(c) No Defaults. No Rapid Amortization Event, Event of Default, Servicer Default or Block Event has occurred and is continuing. 

ARTICLE IV 
 MISCELLANEOUS 

SECTION 4.01. Ratification of Series Supplement. As amended by this Amendment, the Series Supplement is in all respects ratified and
confirmed and the Series Supplement, as amended by this Amendment, shall be read, taken and construed as one and the same instrument. 

SECTION 4.02. Counterparts. This Amendment may be executed in any number of counterparts, and by different parties in separate
counterparts, each of which so executed shall be deemed to be an original, but all of such counterparts shall together constitute but one and the same instrument. 

SECTION 4.03. Recitals. The recitals contained in this Amendment shall be taken as the statements of the Issuer, and none of the
Trustee, the Securities Intermediary or the Depositary Bank assumes any responsibility for their correctness. None of the Trustee, the Securities Intermediary or the Depositary Bank makes any representations as to the validity or sufficiency of this
Amendment. 

  
 2 

 SECTION 4.04. Rights of the Trustee, the Securities Intermediary and the Depositary
Bank. The rights, privileges and immunities afforded to the Trustee, the Securities Intermediary and the Depositary Bank under the Indenture shall apply hereunder as if fully set forth herein. 

SECTION 4.05. GOVERNING LAW; JURISDICTION. THIS AMENDMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK,
WITHOUT REFERENCE TO ITS CONFLICT OF LAW PROVISIONS, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. EACH OF THE PARTIES HERETO AND EACH SECURED PARTY HEREBY AGREES TO THE NON-EXCLUSIVE JURISDICTION OF THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF NEW YORK AND ANY APPELLATE COURT HAVING JURISDICTION TO REVIEW THE JUDGMENTS THEREOF. EACH OF THE PARTIES HERETO AND EACH
SECURED PARTY HEREBY WAIVES ANY OBJECTION BASED ON FORUM NON CONVENIENS AND ANY OBJECTION TO VENUE OF ANY ACTION INSTITUTED HEREUNDER IN ANY OF THE AFOREMENTIONED COURTS AND CONSENTS TO THE GRANTING OF SUCH LEGAL OR EQUITABLE RELIEF AS IS
DEEMED APPROPRIATE BY SUCH COURT. 
 SECTION 4.06. Effectiveness. This Amendment shall become effective as of the date hereof upon:

 (a) receipt by the Trustee of an Issuer Order directing it to execute and deliver this Amendment; 

(b) receipt by the Trustee of an Officer’s Certificate of the Issuer stating that the execution of this Amendment is authorized and
permitted by the Indenture and all conditions precedent to the execution of this Amendment have been satisfied; 
 (c) receipt by the Trustee
of an Opinion of Counsel stating that the execution of this Amendment is authorized and permitted under the Indenture and all conditions precedent to the execution of this Amendment have been satisfied; 

(d) receipt by the Trustee of evidence of the consent of each Noteholder to this Amendment; 

(e) receipt by the Trustee of counterparts of this Amendment, duly executed by each of the parties hereto; and 

(f) receipt by the Trustee of such other instruments, documents, agreements and opinions reasonably requested by the Trustee prior to the date
hereof. 
 (Signature page follows) 

  
 3 

 IN WITNESS WHEREOF, the Issuer, the Trustee, the Securities Intermediary and the Depositary
Bank have caused this Amendment to be duly executed by their respective officers as of the day and year first above written. 
  

			
	OPORTUN FUNDING V, LLC,
	as Issuer
		
	By:	 	 /s/ Jonathan Coblentz

		 	Name: Jonathan Coblentz
		 	Title:   Treasurer

 Fourth Amendment to 

Series 2015 Supplement 

 
			
	WILMINGTON TRUST, NATIONAL ASSOCIATION,
	not in its individual capacity but solely as Trustee
		
	By:	 	 /s/ Drew Davis

		 	Name: Drew Davis
		 	Title: Vice President
	
	WILMINGTON TRUST, NATIONAL ASSOCIATION,
	not in its individual capacity but solely as Securities Intermediary
		
	By:	 	 /s/ Drew Davis

		 	Name: Drew Davis
		 	Title: Vice President
	
	WILMINGTON TRUST, NATIONAL ASSOCIATION,
	not in its individual capacity but solely as Depositary Bank
		
	By:	 	 /s/ Drew Davis

		 	Name: Drew Davis
		 	Title: Vice President

 Fourth Amendment to 

Series 2015 Supplement 

 SCHEDULE I 

Amendments to the Series Supplement

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