b'WebBank\nOportun\xc2\xae Visa\xc2\xae Credit Card Account\nDisclosure and Pricing\nInformation\nInterest Rates and Interest Charges\nAnnual Percentage\nFrom 24.90% to 29.90%\nRate (APR) for\nYour APR will vary with the market based on\nPurchases and Cash the Prime Rate.*\nAdvances\nYour due date is at least 25 days after the close of\neach Billing Cycle. We will not charge you interest\nPaying Interest\non Purchases if you pay your entire balance by the\ndue date each month. We will begin charging\ninterest on Cash Advances on the transaction date.\nMinimum Interest\nCharge\n\nIf you are charged interest, the charge will be no\nless than $1.00.\n\nFor Credit Card Tips\nfrom the Consumer\nFinancial Protection\nBureau\n\nTo learn more about factors to consider when\napplying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection\nBureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\nTransaction Fees\n\n$0\xe2\x80\x93$49\n\nCash Advance\n\nThe greater of $10 or 3% of transaction amount\n\nForeign Transaction\n\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $35.00\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $35.00\n\n1\n\n\x0cHow We Calculate Your Balance. We use a method called \xe2\x80\x9caverage daily balance (including new transactions).\xe2\x80\x9d For additional\ninformation, see the \xe2\x80\x9cInterest Charges\xe2\x80\x9d section of the Agreement.\nBilling Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in the \xe2\x80\x9cYour Billing\nRights\xe2\x80\x9d section of this Agreement.\nPrime Rate. Variable APRs are based on the Prime Rate. The APR for Purchases and Cash Advances may vary and will be\ndetermined by adding 21.65% - 26.65% to the highest U.S. Prime Rate appearing in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of any edition of\nThe Wall Street Journal published on the 25th day of each month If publication is not made on that day, then the Prime Rate on\nthe next business day will be used. If the Prime Rate changes, the new rate will take effect beginning with billing cycles that end\non or after the first day of the month after the month in which the Prime Rate changed. The new rate will be applied to all\nbalances on the Account. The APR for all balances is 21.65% - 26.65% plus 3.25% as of 11/01/2020 currently\n24.90% - 29.90% (corresponding daily periodic rate from 0.06822% to 0.08192%). The APR may increase or decrease each\nmonth if the Prime Rate changes. If the APR increases, you will pay a higher interest charge and may pay a higher minimum\npayment. The Prime Rate is simply an index and is not the lowest interest rate available.\nARBITRATION\nUnless you are a Military Lending Act Covered Borrower (as defined in Section 40), the WebBank Oportun\nVisa Credit Card Cardholder Agreement contains an Arbitration Provision. The Arbitration Provision is\ncontained in Section 41. Please read the Arbitration Provision carefully. Unless you send us the rejection\nnotice described in the Arbitration Provision, the Arbitration Provision will apply to you.\nImportant Information About Credit Reporting\nWe may report information about your Account to credit\nbureaus. Late payments, missed payments, or other defaults\non your Account may be reflected in your credit report.\n\ninterest of your marriage and your family. If the credit card\nfor which you are applying is granted, you will notify the\nBank if you have a spouse who needs to receive notification that\ncredit has been extended to you.\n\nState Specific Information\nNOTICE FOR CALIFORNIA RESIDENTS: Applicants\nmay, after credit approval, use the credit card account up to\nits credit limit and be liable for amounts extended under the\nplan to any joint applicant. If you are married, you may\napply for credit in your own name.\n\nAll credit is granted and accounts are owned by WebBank,\nMember FDIC.\nWebBank\nOportun Visa Credit Card Cardholder Agreement\n\nNOTICE FOR NEW YORK AND VERMONT\nRESIDENTS: WebBank may obtain at any time your credit\nreports, for any legitimate purpose associated with the account\nor the application or request for an account, including but not\nlimited to reviewing, modifying, renewing and collecting on\nyour account. On your request, you will be informed if such a\nreport was ordered. If so, you will be given the name and\naddress of the consumer reporting agency furnishing the report.\nNOTICE FOR NEW YORK RESIDENTS: New York\nresidents may contact the New York State Department of\nFinancial Services by telephone or visit its website for free\ninformation on comparative credit card rates, fees and grace\nperiods. New York State Department of Financial Services:\n1-877-226-5697 or http://www.dfs.ny.gov.\nNOTICE FOR OHIO RESIDENTS: Ohio antidiscrimination laws require creditors to make credit equally\navailable to all creditworthy customers and that credit reporting\nagencies maintain separate credit histories on individuals upon\nrequest. The Ohio Civil Rights Commission administers these\nlaws.\nNOTICE FOR MARRIED WISCONSIN RESIDENTS:\nNo provision of any marital agreement, unilateral statement,\nor court order applying to marital property will adversely\naffect a creditor\xe2\x80\x99s interests unless prior to the time credit is\ngranted, the creditor is furnished with a copy of the\nagreement, statement or court order, or has actual\nknowledge of the provision. If you are married, by\nsubmitting your credit card application you are confirming\nthat this credit card obligation is being incurred in the\n\nSection 1. Credit Card Cardholder Agreement.\nThis WebBank Oportun Visa Credit Card Cardholder Agreement\n(\xe2\x80\x9cAgreement\xe2\x80\x9d) is between you and WebBank, a Utah-chartered,\nFDIC insured bank having its principal office in Salt Lake City, UT,\nand governs your credit card account (\xe2\x80\x9cAccount\xe2\x80\x9d). There are two\nparts to this Agreement: WebBank Oportun Visa Credit Card\nAccount Important Disclosure and Pricing Information and the\nWebBank Oportun Cardholder Agreement. WebBank will open an\nAccount and issue a Card(s) that may be used on the VISA\xc2\xae\nnetwork for transactions for Purchases and Cash Advances at\nmerchants, financial institutions, and automatic teller machines\naccepting the Card. By using your Card, you agree to the terms of\nthe Agreement with WebBank including any changes, amendments\nor supplements to it.\nSection 2. Definitions.\nThe meanings of the capitalized terms used in the Agreement\nappear in the \xe2\x80\x9cGlossary\xe2\x80\x9d (Section 39 of this Agreement).\nAs used here, \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each applicant and co-applicant\napproved on the Account; any person responsible for paying the\nAccount; any Authorized User; and any person responsible for\ncomplying with this Agreement. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and\n\xe2\x80\x9cWebBank\xe2\x80\x9d mean WebBank.\nSection 3. Account Documents.\nThe following documents govern your Account with us:\n1. this Agreement;\n2. all Statements;\n3. any Privacy Notices;\n4. all disclosures and materials provided to you before or when\nyou opened your Account;\n5. any other documents and disclosures relating to your\nAccount; and\n\n2\n\n\x0c6. any future changes we make to any of the above.\nPlease read all of these carefully and keep them for future\nreference.\nSection 4. Account Information.\nWe need information about you to approve and manage your\nAccount. This includes the information requested on your\napplication. You agree to tell us when this information\nchanges and respond to our requests for information or\nadditional documents to verify any information. We may\nrestrict or close your Account if we cannot verify your\ninformation, or if you do not provide it as requested.\nSection 5. Use and Sharing of Information About You.\nWhen you applied for an Account, you gave us, Oportun Inc\n(\xe2\x80\x9cOportun\xe2\x80\x9d) and our/their affiliates information about\nyourself that we could share with each other. Oportun and\nits affiliates will use the information in connection with the\ncredit program and for things like creating and updating its\nrecords and offering you special benefits, and other products\nand services. More information about how we use and share\ninformation is set forth in the Privacy Notices for your\nAccount.\nSection 6. Credit Limits.\nWhen you open your Account, we will tell you your credit\nlimit. This will also appear on your Statement. We may also\nrefer to your credit limit as your credit line.\nYou are responsible for keeping track of your balance and\nyour available credit. You must manage your Account to\nremain below your credit limit. We may honor transactions\nabove your credit limit, but if we do these transactions will\nnot increase your credit limit. You are responsible for paying\nfor any transaction you make above your credit limit upon\ndemand by us.\nWe may also increase, decrease, restrict or cancel your credit\nlimit at any time in accordance with applicable law. This\nwill not affect your obligation to pay us for any balance and\nother amounts due under this Agreement.\nSection 7. Using Your Account.\n1. This Agreement applies, whether or not you use your\nCard or Account. It will continue to apply even after your\nAccount is closed, as long as you have a balance.\n2. Your use of the Card constitutes your acceptance of this\nAgreement.\n3. You must sign the Card immediately when you receive it.\n4. You must return the Card to us or destroy it if we ask you\nto.\n5. You must take reasonable steps to prevent the\nunauthorized use of your Card and Account.\n6. We may decline to authorize a transaction for any reason.\nThis may occur even if the transaction would not cause you\nto go over your credit limit or your Account is not in default.\n7. We are not responsible for any losses you incur if we do\nnot authorize a transaction.\n8. We are not responsible for any losses you incur if anyone\nrefuses to accept your Card for any reason.\n9. You must not use, or try to use, the Card for any illegal\nactivity. You are responsible for any charges if you do.\n10. We are not liable for any losses that may result when our\nservices are unavailable due to reasons beyond our control.\nSection 8. Account Transactions.\nYou and any Authorized User, if allowed, may use your\nAccount and Cards to make Purchases of goods or services\n\nat merchants where the Card is accepted and to obtain Cash\nAdvances at participating financial institutions. Each\nPurchase and Cash Advance will reduce the available credit\nunder your credit limit until it is repaid. The total cash advance\nbalance is limited to the greater of 30% of your credit limit or\n$150. Cash Advances cannot exceed 1 transaction per day, as\napplicable. You promise to pay us when due the total amount of\nall Purchases and Cash Advances as well as all interest and Fees\nand other charges billed to your Account.\nSection 9. Foreign Transactions.\nIf you make a transaction that settles in a currency other than US\ndollars, the Card Association (Visa\xc2\xae ) will convert that charge\ninto a US dollar amount. That conversion will be done at a rate\nselected by the card association from the range of rates available\nin wholesale currency markets for the applicable processing date,\nwhich rate may vary from the rate the card association itself\nreceives or the government mandated rate in effect for the\napplicable processing date. The currency conversion rate used\non the processing date may differ from the rate that would have\nbeen used on the transaction date or the date the transaction is\nposted to your Account. You agree to pay the converted amount\nat the rate selected by the card association, including any charges\nfor the conversion that may be imposed for the foreign\ntransaction.\nSection 10. Security Interest.\nThis is an unsecured account and WebBank retains no security\ninterest in your real or personal property to secure payment of\nyour Account.\nSection 11. Joint Accounts.\nIf this is a joint account, each of you is responsible individually\nand together for all amounts owed. Each of you is responsible\neven if the Account is used by only one of you. You will continue\nto be liable for the entire balance of the Account, even if your\njoint accountholder is ordered by a court to pay us. Your Account\nstatus will be reported to the credit bureau under each of your\nnames. We will send a Statement to a single name and address,\nwhich is the primary accountholder. The delivery of notices or\nStatements to either of you serves as delivery to each of you. We\nmay rely on instructions given by either of you. We are not liable\nto either of you for relying upon such instructions. Either joint\naccountholder can access complete account information and can\nrequest and accept credit line increase on the Account.\nSection 12. Authorized Users (if allowed).\nIf you ask us to issue a Card to any person other than a joint\naccount holder and we agree to do so, they are an Authorized\nUser. We may require certain information about them and you\nshould let them know that you are sharing their information with\nus. We may limit their ability to use your Card. They may have\naccess to certain information about your Account. You will be\nresponsible for their use of the Account and anyone else they\nallow to use your Account, even if you did not want, or agree to,\nthat use. We may report information about your Authorized\nUser(s) to consumer reporting agencies. See the \xe2\x80\x9cCredit Reports\xe2\x80\x9d\nsection of this Agreement.\nSection 13. Removing an Authorized User.\nIf you want to remove an Authorized User from your Account,\nyou must contact Customer Service at 833-Oportun and request\ntheir removal. You also must immediately destroy all Cards in\ntheir possession and cancel any arrangements they may have set\nup on your Account. They will be able to use your Account until\nyou have notified us that you are removing them from your\nAccount. During this time, you will still be responsible for all\namounts they charge to your Account. You will be responsible\n\n3\n\n\x0ceven if these amounts do not appear on your Account until\nlater.\nSection 14. Your Promise to Pay.\nYou promise to pay us all amounts due on your Account.\nThis includes amounts where you did not sign a Purchase\nslip or other documents for the transaction. We will treat\ntransactions made without presenting your Card (such as for\nmail, telephone, Internet, or mobile device Purchases) the\nsame as if you used the Card in person. If you let someone\nelse use your Card or Account, you are responsible for all\ntransactions that person makes.\nSection 15. Statements.\nWe will send or make available to you one Statement for\nyour Account at the end of each Billing Cycle. Your\nStatement will tell you the payment due date when payments\nare due. You must notify us at Oportun credit card, P.O. Box\n560698, The Colony, TX 75056 of a change in your address.\nUnder certain circumstances, the law may not require us to\nsend or make available to you a Statement or may prohibit\nus from doing so. In such circumstances, we may continue\nto add interest and fees as permitted by law. If you elect to\nreceive your Statement electronically, paper statements will\nnot be mailed to you.\nSection 16. Disputed Transactions.\nYou should inspect each Statement you receive and tell us\nabout any errors or questions you have, as described in the\n\xe2\x80\x9cBilling Rights Summary\xe2\x80\x9d on your Statement and in this\nAgreement.\nIf we credit your Account for all or part of a disputed\ntransaction, you give us all of your rights against others\nregarding that transaction. You will also:\n1. give us any information about the disputed transaction, if\nwe ask;\n2. not pursue (or cease your current pursuit of) any claim or\nreimbursement of the transaction amount from the merchant\nor any other person; and\n3. help us get reimbursement from others.\nSection 17. No Warranties.\nWe are not responsible for any claim you may have\nregarding the Purchase of goods or services made with your\nCard beyond your rights described in the \xe2\x80\x9cBilling Rights\nSummary\xe2\x80\x9d on your Statement and in this Agreement.\nSection 18. Lost or Stolen Card.\nIf your Card is lost or stolen or if you think someone else\nmay be using your Card or Account without your\npermission, you must contact us at 833-Oportun\nimmediately. You will not be responsible for transactions on\nyour Account that we find are unauthorized.\nIf we reimburse you for unauthorized transactions, you will\nhelp us investigate, pursue and get reimbursement from the\nwrongdoer. Your help includes giving us documents in a\nform that we request.\nSection 19. Interest Charges.\nWe use a method called Average Daily Balance (including\nnew transactions) to calculate the Interest Charges\nseparately for each transaction type on your account.\n1. First, for each day in the Billing Cycle, we start with the\nprevious balance for Purchases and Cash Advances, add any\nnew charges not subject to a grace period, which may\n\ninclude Fees and Interest, and subtract any payments and credits\nas described in the \xe2\x80\x9cHow We Apply Your Payments\xe2\x80\x9d Section of\nthis Agreement. The result is the daily\nbalance.\n2. Next, we add the daily balances together and divide the sum\nby the number of days in the Billing Cycle. The result is the\nAverage Daily Balance.\n3. At the end of each Billing Cycle, we multiply your Average\nDaily Balance by the daily periodic rate, and then we multiply\nthe result by the number of days in the Billing Cycle.\n4. The result is your total Interest Charge for the Billing Cycle,\nwhich you authorize us to round to the nearest cent.\nFor purposes of the above calculations, Interest Charges are\nadded (posted) to the daily balance of each Credit Plan on the last\nday of the Billing Cycle. Fees are added as part of the daily\nbalance on the day they are posted to the Account. New\nPurchases become part of the Account balance on the transaction\ndate. Due to rounding or a minimum Interest Charge, this\ncalculation may vary slightly from the Interest Charge actually\nassessed.\nThe daily periodic rate that is used to determine your Interest\nCharges is 1/365th of your Annual Percentage Rate (APR).\nWe will charge the Interest Charges and Fees to your Account as\ndisclosed in your Important Disclosure and Pricing Information\nchart and your Statement. If you paid your balance in full by the\ndue date on your prior Statement, then we will not charge you\nany new Interest Charges on new Purchases made during the\ncurrent Billing Cycle.\nWe may increase your Interest Charges and Fees as described in\nthe \xe2\x80\x9cChanges to Your Agreement\xe2\x80\x9d section of this Agreement.\nIf we charge you interest, the charge will be no less than $1.00.\nSection 20. Transaction Fees.\nCash Advances. We may charge you a Cash Advance\nTransaction Fee on any Cash Advance in an amount the greater\nof $10 or three percent (3%) of the transaction amount.\nSection 21. Late Payment and Returned Payment Fee.\n(a). Late Payment Fee. If we do not receive payment from you in\nat least the amount of your total Minimum Payment by the due\ndate shown on your monthly Statement, you will be charged a\nLate Payment Fee. The fee will be $25.00 if you did not incur a\nLate Payment Fee during any of the prior six billing periods;\notherwise the Late Payment Fee will be $35.00. However, this\nfee will not exceed the amount permitted by law.\n(b). Returned Payment Fee. If any check or other payment\ntendered in payment on your Account is returned unpaid for any\nreason, you will be charged a Returned Payment Fee. The fee\nwill be $25.00 if you did not incur a Returned Payment Fee\nduring any of the prior six billing periods; otherwise, the\nReturned Payment Fee will be $35.00. However, this fee will\nnot exceed the amount permitted by law.\nSection 22. Annual Fee.\nThe Annual Fee for your Account is up to $49. The Annual Fee\nwill be billed to your Account as long as it remains open.\nSection 23. Minimum Payment.\nYou must pay at least the total Minimum Payment due by the\npayment due date each month.\nYour total Minimum Payment due will be the greater of (i) $25,\nor (ii) 5% of the total of the new balance on your Statement, plus\nlate fees plus any past due amount, rounded to the next highest\ndollar. However, if your total outstanding balance is less than\n$25 your total Minimum Payment due will be the entire balance.\n\n4\n\n\x0cYour Statement will tell you:\n1. the total Minimum Payment due,\n2. your new balance,\n3. the payment due date, and\n4. an explanation of when the payment must reach us for us\nto consider it received as of that date.\nReturns and other credits to your Account will reduce your\nAccount balance, but they will not change your Minimum\nPayment amount.\nIf your Account is 180 days past due, is part of a bankruptcy\nproceeding, or is otherwise charged off, the total balance is\nimmediately due and payable.\nSection 24. Making Payments.\nYour payment must be made in U.S. dollars from a U.S.\ndeposit account in a form and a location acceptable to us.\nYou may not make payments with funds from your Account\nor any other credit account with us. You must send mailed\npayments to us as instructed on your Statement, unless we\ntell you otherwise.\nYou must mail all payment items (such as checks)\n(\xe2\x80\x9cItem(s)\xe2\x80\x9d) bearing restrictive words, conditions,\nlimitations, or special instructions to: Oportun credit card,\nP.O. Box 561240, The Colony, TX 75056. This includes\nItems marked \xe2\x80\x9cPaid in Full\xe2\x80\x9d or similar language. This also\nincludes all accompanying communications. If you make\nsuch a payment or send any accompanying communications\nto any other address, we may reject it and/or return it to you.\nWe may also accept it and process it without losing any of\nour rights.\nSection 25. Other Payment Services.\nWe may make services available that allow you to make inperson payments and faster or recurring payments online or\nby telephone. We will describe the terms for using these\nservices and any applicable Fee before you use them. You\ndo not have to use these other payment services.\nWe are not responsible if your financial institution rejects a\npayment made using our payment services.\nIf you ask someone else to make a payment for you, we may\nprovide that person with limited Account information\nnecessary to set up and process that payment. We may also\nrefuse to accept that payment. If we do accept it, you will be\nresponsible for that payment even if a financial institution\nrejects it.\nSection 26. Payment Processing.\nWe may accept and process payments without losing any of\nour rights. Although we immediately credit your loan\npayment to the balance of your Account, we may hold your\navailable credit until we confirm your payment cleared. We\nmay hold your available credit for up to 7 calendar days. We\nmay resubmit and collect returned payments electronically.\nIf necessary, we may adjust your Account to correct errors,\nprocess returned and reversed payments, and handle similar\nissues.\nWhen you send us an Item as payment, you authorize us to\nmake a one-time electronic funds transfer from your deposit\naccount. We may withdraw the funds from your deposit\naccount as early as the same day we receive your payment.\nYou will not receive your Item back from your bank. We\nwill provide additional information about this process on\nyour Statement.\nWe may use the information from an Item to create an\nelectronic image. We may collect and return the image\nelectronically. This electronic image may also be converted\n\nto a substitute check and may be processed in the same way\nwe would process an Item. We are not responsible if an Item\nyou provide has physical features that, when imaged, result\nin it not being processed as you intended.\nSection 27. How We Apply Your Payments.\nIn each Billing Cycle, we apply payments up to your Minimum\nPayment to balances on your Account using any method we\nchoose (in accordance with applicable laws and regulations).\nPayments up to your Minimum Payment will be applied in any\norder at our discretion, and payments in excess of the Minimum\nPayment will be applied to balances with the highest APR first\nand then to lower rate balances in descending order of APR. This\nmeans that balances with higher APRs are reduced before\nbalances with lower APRs for any amount of your payment that\nis in excess of your Minimum Payment due.\nSection 28. Credit Balances.\nWe may reject and return any payment that creates or adds to a\ncredit balance on your Account. Any credit balance we allow will\nnot be available until we confirm that your payment has cleared.\nWe may reduce the amount of any credit balance by any new\ncharges. We will make a good faith effort to refund any credit\nbalance remaining in the account for more than six months; or,\nyou may write to the address provided on your Statement or call\nus at 833-Oportun to request a refund of any available credit\nbalance and we will issue a refund within thirty business days.\nSection 29. Account Default.\nYou will be in default if:\n1. you do not make any payment when it is due;\n2. any payment you make is rejected, not paid or cannot be\nprocessed;\n3. you file or become the subject of a bankruptcy\nor insolvency proceeding;\n4. you are unable or unwilling to repay your obligations;\n5. you move outside of the U.S.;\n6. we determine that you made a false, incomplete or misleading\nstatement to us, or you otherwise tried to defraud us; or\n7. you do not comply with any term of this Agreement or any\nother agreement with us.\nIf you are in default, we may take certain actions with respect to\nyour Account. For example, depending on the default, we may\ntake the following actions, without notifying you, unless the law\nsays that we must give you notice:\n1. charge you Fees, as permitted under the Agreement;\n2. suspend your credit limit or the ability to make further\ntransactions on your Account;\n3. close your Account;\n4. lower your credit limit(s);\n5. demand that you immediately pay the total balance owing on\nyour Account;\n6. engage in efforts to collect your Account;\n7. continue to charge you Interest Charges and Fees as long as\nyour balance remains outstanding; and/or\n8. file a lawsuit against you, or pursue another action that is not\nprohibited by law. If we file a lawsuit, you agree to pay our court\ncosts, expenses and attorney fees, unless the law does not allow\nus to collect these amounts.\nSection 30. Communications.\nYou agree that we (including any companies working on our\nbehalf to service your Account) may contact you at any phone\nnumber, email address or mailing address you provide to us,\n\n5\n\n\x0cincluding mobile devices. You agree that from time to time\nwe (including any companies working on our behalf to\nservice your\nAccount) may monitor and record telephone calls made or\nreceived by us or our agents regarding your Account to\nassure\nthe quality of our service. In order for us to service the\nAccount or to collect any amounts you may owe, and subject\nto applicable law, you agree that we (including any\ncompanies working on our behalf to service your Account)\nmay from time to time make calls and send text messages to\nyou using prerecorded/artificial voice messages or through\nthe use of an automatic dialing device at any telephone\nnumber you provide to us in connection with your Account\nat any time, including a mobile telephone number that could\nresult in charges to you. Notify us immediately of any\nchanges to your contact information by calling 833Oportun.\nSection 31. Credit Reports.\nWe may report information about your Account, including\nabout you and any Authorized Users, to credit bureaus and\nothers. Late payments, missed payments, or other defaults\non your Account may be reflected in your credit report.\nInformation we provide may appear on your credit report.\nIf you believe that we have reported inaccurate information\nabout your Account to a credit bureau or other consumer\nreporting agency, notify us in writing at Oportun credit card,\nP.O. Box 560698, The Colony, TX 75056 When you write,\ntell us the specific information that you believe is incorrect\nand why you believe it is incorrect. We will research the\nissue and let you know if we agree or disagree with you. If\nwe agree, we will contact each consumer reporting agency\nwe reported to and request a correction.\nWe may obtain and use credit, income and other information\nabout you from credit bureaus and others as the law allows.\nSection 32. Closing or Suspending Your Account.\nYou may contact us at 833-Oportun to ask us to close your\nAccount.\nWe may close or suspend your Account at any time and for\nany reason permitted by law, even if you are not in default.\nFor example, we may close your Account if you have\nreceived your card and have not activated or used it within\n60 days.\nIf your Account is closed or suspended by either you or us\nfor any reason, you must stop using your Card. If we close\nor permanently suspend your Account, you must return or\ndestroy all Cards. You must still pay us all amounts you owe\non the Account, including any amounts that post to your\nAccount after it is closed or suspended.\nSection 33. Changes to Your Agreement.\nAt any time, we may add, delete or change any term of this\nAgreement, unless the law prohibits us from doing so. We\nwill give you notice of any changes as required by law. We\nmay notify you of changes on your Statement or in a\nseparate notice. Our notice will tell you when and how the\nchanges will take effect. Use of the Card after the date the\nnotice takes effect shall signify your agreement to the\nchanges. The notice will describe any rights you have in\nconnection with the changes. If we increase your APR for\nany reason, or if we change your Fees or other terms of your\nAccount, we will notify you as required by law. You may\n\nnot change this Agreement unless we agree to your change in\nwriting.\nSection 34. The Law that Applies to Your Agreement.\nThis Agreement and your Account will be governed by federal\nlaw applicable to a FDIC-insured institution located\nin Utah and, to the extent not preempted by federal law, the law\nof the state of Utah, without regard to its choice of law\nprovisions. You agree that this Agreement is entered into\nbetween you and us, and received by us, in Utah and we extend\ncredit to you from Utah, whether or not you live in Utah. We will\nmake the decision whether to open an account for you based on\ncriteria established in Utah.\nSection 35. Severability.\nIf any provision of this Agreement is determined to be void or\nunenforceable under any applicable law, rule or regulation, all\nother provisions of this Agreement will remain enforceable\n(except as specifically addressed in the Arbitration provision).\nThis Agreement is a final expression of the agreement between\nyou and us.\nSection 36. Waiver.\nWe will not lose any of our rights if we delay or choose not to\ntake any action for any reason. We may waive our right without\nnotifying you. For example, we may waive your Interest Charges\nor Fees without notifying you and without losing our right to\ncharge them in the future.\nSection 37. Assignment.\nThis Agreement will be binding on, and benefit, any of your and\nour successors and assigns. You may not sell, assign or transfer\nyour Account or this Agreement to someone else without our\nwritten permission. We may sell, assign or transfer your Account\nand this Agreement including the receivables associated\ntherewith and any of the rights and benefits of this Agreement\nwithout your permission and without prior notice to you. Any\nassignee or assignees will take our place under this Agreement.\nYou must pay them and perform all of your obligations to them\nand not us. If you pay us after we notify you that we have\ntransferred your Account, the receivables thereunder or this\nAgreement, we can return the payment to you, forward the\npayment to the assignee, or handle it in another way that is\nreasonable.\nWe may also engage agents, authorized representatives, and\nother service providers, all of which may act for us under this\nAgreement and rely on the rights given to us under this\nAgreement.\nSection 38. Spanish Translations.\nWe provide Spanish translations, certified by a third-party\ntranslator, as a courtesy to our Spanish-speaking customers.\nWhen provided with an English document of the same content,\nthe English provisions are always the legally binding provisions.\nIf the Spanish translations differ from the English provisions, the\nEnglish provisions control.\nSection 39. Glossary.\n\xe2\x80\x9cAccount\xe2\x80\x9d means your Oportun Visa Credit Card Account with\nWebBank.\n\xe2\x80\x9cAnnual Fee\xe2\x80\x9d means the fee charged on an annual basis for use\nof your Account.\n\xe2\x80\x9cAnnual Percentage Rate\xe2\x80\x9d or \xe2\x80\x9cAPR\xe2\x80\x9d means your cost of credit\nexpressed as a yearly rate.\n\xe2\x80\x9cBilling Cycle\xe2\x80\x9d means the period of time reflected on a\nStatement. This period may vary in length but is\n\n6\n\n\x0capproximately 30 days. You will have a Billing Cycle even\nif a Statement is not required. We will often specify a\nBilling Cycle by the month in which its closing date occurs.\nFor example, a \xe2\x80\x9cMarch Billing\nCycle\xe2\x80\x9d will have a closing date in March. We may also refer\nto a Billing Cycle as a \xe2\x80\x9cBilling Period.\xe2\x80\x9d If your Account\nbalance has\ncharged off, we may switch to quarterly Billing Cycles for\nyour Account.\n\xe2\x80\x9cCard\xe2\x80\x9d means any WebBank credit card associated with\nyour Account. This includes all renewals and substitutions.\nIt also means any other access device for your Account we\ngive you that allows you to obtain credit, including any\nAccount number.\n\xe2\x80\x9cCash Advance\xe2\x80\x9d means a transaction using your Card to\nobtain cash from financial institutions or automatic teller\nmachines that honor the Card or if we provide you with\nCash Advance checks. Also treated as Cash Advances are\npurchasing travelers checks, foreign currency, money\norders, wire transfers or similar cash like transactions as we\ndetermine including purchasing lottery tickets or similar\nbetting transactions and making a payment using a third\nparty service.\n\xe2\x80\x9cFees\xe2\x80\x9d mean charges imposed on your Account not based\non the Annual Percentage Rates.\n\xe2\x80\x9cInterest Charges\xe2\x80\x9d mean any charges to your Account\nbased on the application of an Annual Percentage Rate.\n\xe2\x80\x9cItem\xe2\x80\x9d means a check, draft, money order or other\nnegotiable instrument you use to pay your Account. This\nincludes any image of these instruments.\n\xe2\x80\x9cMinimum Payment\xe2\x80\x9d is the amount that must be paid by the\npayment due date indicated on your Statement.\n\xe2\x80\x9cPurchase\xe2\x80\x9d means a transaction using your Card to purchase\nor receive goods or services from one who honors the Card.\n\xe2\x80\x9cStatement\xe2\x80\x9d means a document showing important Account\ninformation, including all transactions billed to your\nAccount during a Billing Cycle and information about what\nyou must pay. We may also refer to your Statement as a\n\xe2\x80\x9cPeriodic Statement\xe2\x80\x9d or a \xe2\x80\x9cBilling Statement.\xe2\x80\x9d\nSection 40. Military Lending Act Disclosure.\nThe federal Military Lending Act (\xe2\x80\x9cMLA\xe2\x80\x9d) provides\nimportant protections for certain members of the Armed\nForces and their dependents (\xe2\x80\x9cCovered Borrowers\xe2\x80\x9d) relating\nto extensions of consumer credit. The following provisions\nof this Section 40 apply only to Covered Borrowers.\nFederal law provides important protections to members of\nthe Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of\nconsumer credit to a member of the Armed Forces and his\nor her dependent may not exceed an annual percentage rate\nof 36 percent. This rate must include, as applicable to the\ncredit transaction or account: The costs associated with\ncredit insurance premiums; fees for ancillary products sold\nin connection with the credit transaction; any application fee\ncharged (other than certain application fees for specified\ncredit transactions or accounts); and any participation fee\ncharged (other than certain participation fees for a credit\ncard account).\n\nIn order to hear important disclosures and payment information\nabout the account of a Covered Borrower, you may call 1-855613-0070.\nThe Arbitration Provision set forth in Section 41 of this\nAgreement does not apply if you are a Covered Borrower.\nSection 41. Arbitration.\nRESOLUTION OF DISPUTES: THIS ARBITRATION\nPROVISION LIMITS YOUR RIGHTS IN THE EVENT OF A\nDISPUTE BETWEEN YOU AND US AND OTHERS UNLESS\nYOU ARE AN MLA COVERED BORROWER. YOU HAVE\nTHE RIGHT TO REJECT THIS PROVISION AS PROVIDED\nIN PARAGRAPH (b) BELOW.\na. Either you or we may, at your or our sole election, require that\nthe sole and exclusive forum and remedy for resolution of a\nClaim be final and binding arbitration pursuant to this section\n(the \xe2\x80\x9cArbitration Provision\xe2\x80\x9d), unless you opt out as provided in\nsection (b) below. Oportun (including its affiliates and dealers),\nor any subsequent holder of this Agreement or any interest in\nyour Account or any subsequent Purchaser, holder or assignee of\nany receivables arising under your Account (collectively,\n\xe2\x80\x9csubsequent holder\xe2\x80\x9d), may also elect arbitration of any Claim as\nprovided in this Arbitration Provision. As used in this Arbitration\nProvision, \xe2\x80\x9cClaim\xe2\x80\x9d shall include any past, present, or future\nclaim, dispute, or controversy involving you (or persons\nclaiming through or connected with you), on the one hand, and\nus and/or Oportun and/or any subsequent holder (or persons\nclaiming through or connected with us and/or Oportun and/or the\nsubsequent holders), on the other hand, relating to or arising out\nof your application for and origination of this Account, this\nAgreement, your Account, or the relationship between you and\nus, including (except to the extent provided otherwise in the last\nsentence of section (f) below) the validity or enforceability of\nthis Arbitration Provision, any part thereof, or the entire\nAgreement. Claims are subject to arbitration regardless of\nwhether they arise from contract; tort (intentional or otherwise);\na constitution, statute, common law, or principles of equity; or\notherwise. Claims include matters arising as initial claims,\ncounter-claims, cross-claims, third-party claims, or otherwise.\nThe scope of this Arbitration Provision is to be given the broadest\npossible interpretation that is enforceable.\nb. You may opt out of this Arbitration Provision for all purposes\nby sending an arbitration opt out notice to Oportun credit card,\nP.O. Box 560698, The Colony, TX 75056, which is received at\nthe specified address within 30 days of the date that you applied\nfor an Account. The opt out notice must clearly state that you are\nrejecting arbitration; identify the Account to which it applies by\ndate; provide your name, address, and social security number;\nand be signed by you. You may send an opt out notice in any\nmanner you see fit as long as it is received at the specified address\nwithin the specified time. No other methods can be used to opt\nout of this Arbitration Provision. If the opt out notice is sent on\nyour behalf by a third party, such third party must include\nevidence of his or her authority to submit the opt out notice on\nyour behalf.\nc. The party initiating arbitration shall do so with the American\nArbitration Association (the \xe2\x80\x9cAAA\xe2\x80\x9d) or Judicial Alternatives and\nMediation Services (\xe2\x80\x9cJAMS\xe2\x80\x9d). The arbitration shall be\nconducted according to, and the location of the arbitration shall\nbe determined by and in accordance with, the rules and policies\nof the administrator selected, except to the extent the rules\nconflict with this Arbitration Provision or any applicable law. If\nyou have any questions concerning the AAA or would like to\nobtain a copy of the AAA arbitration rules, you may call 1-800-\n\n7\n\n\x0c778-7879 or visit the AAA\xe2\x80\x99s web site at: www.adr.org. If\nyou have any questions concerning JAMS or would like to\nobtain a copy of the JAMS arbitration rules, you may call 1800-352-5267 or visit their web site at: www.jamsadr.com.\nIn the case of a conflict between the rules and policies of the\nadministrator and this Arbitration Provision, this Arbitration\nProvision shall control, subject to applicable law, unless all\nparties to the\narbitration consent to have the rules and policies of the\nadministrator apply. In the event that neither of the above\nnamed administrators is available, the party requesting\narbitration may choose an alternative arbitrator or arbitration\nprovider.\nd. If we (or Oportun or any subsequent holder) elect\narbitration, we (or Oportun or the subsequent holder, as the\ncase may be) shall pay all the administrator\xe2\x80\x99s filing costs and\nadministrative fees (other than hearing fees). If you elect\narbitration, filing costs and administrative fees (other than\nhearing fees) shall be paid in accordance with the rules of\nthe administrator selected, or in accordance with applicable\nlaw if contrary to the administrator\xe2\x80\x99s rules. We (or Oportun\nor the subsequent holder, as the case may be) shall pay the\nadministrator\xe2\x80\x99s hearing fees for one full day of arbitration\nhearings. Fees for hearings that exceed one day will be paid\nby the party requesting the hearing, unless the\nadministrator\xe2\x80\x99s rules or applicable law require otherwise, or\nyou request that we (or Oportun or the subsequent holder)\npay them and we agree (or Oportun or the subsequent holder\nagrees) to do so. Each party shall bear the expense of its own\nattorneys\xe2\x80\x99 fees, except as otherwise provided by applicable\nlaw. If a statute gives you the right to recover any of these\nfees, these statutory rights shall apply in the arbitration\nnotwithstanding anything to the contrary herein.\ne. Within 30 days of a final award by the arbitrator, any party\nmay appeal the award for reconsideration by a threearbitrator panel selected according to the rules of the\narbitration administrator. In the event of such an appeal, any\nopposing party may cross-appeal within 30 days after notice\nof the appeal. The panel will reconsider de novo all aspects\nof the initial award that are appealed. Costs and conduct of\nany appeal shall be governed by this Arbitration Provision\nand the administrator\xe2\x80\x99s rules, in the same way as the initial\narbitration proceeding. Any award by the individual\narbitrator that is not subject to appeal, and any panel award\non appeal, shall be final and binding, except for any appeal\nright under the Federal Arbitration Act (\xe2\x80\x9cFAA\xe2\x80\x9d), and may\nbe entered as a judgment in any court of competent\njurisdiction.\nf. We (and Oportun and any subsequent holder) agree not\nto invoke our right to arbitrate an individual Claim you may\nbring in Small Claims Court or an equivalent court, if any,\nso long as the Claim is pending only in that court. We (or\nOportun or any subsequent holder) will not initiate an\narbitration proceeding to collect a debt from you unless you\nassert a Claim against us (or Oportun or any subsequent\nholder). You may seek arbitration in a proceeding to collect\na debt. We (or Oportun or any subsequent holder) may seek\narbitration in a proceeding to collect a debt if you assert a\nClaim against us (or Oportun or any subsequent holder). NO\nARBITRATION SHALL PROCEED ON A CLASS,\nREPRESENTATIVE, OR COLLECTIVE BASIS\n(INCLUDING AS PRIVATE ATTORNEY GENERAL\nON BEHALF OF OTHERS), EVEN IF THE CLAIM OR\n\nCLAIMS THAT ARE THE SUBJECT OF THE\nARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR\nCOULD HAVE BEEN ASSERTED) IN A COURT AS CLASS,\nREPRESENTATIVE, OR COLLECTIVE ACTIONS IN A\nCOURT. Unless consented to in writing by all parties to the\narbitration, no party to the arbitration may join, consolidate, or\notherwise bring claims for or on behalf of two or more\nindividuals or unrelated corporate entities in the same arbitration\nunless those persons are parties to a single transaction. Unless\nconsented to in writing by all parties to the arbitration, an award\nin arbitration shall determine the rights and obligations of the\nnamed parties only, and only with respect to the claims in\narbitration, and shall not (a) determine the rights, obligations, or\ninterests of anyone other than a named party, or resolve any\nClaim of anyone other than a named party; nor (b) make an award\nfor the benefit of, or against, anyone other than a named party.\nNo administrator or arbitrator shall have the power or authority\nto waive, modify, or fail to enforce this section (f), and any\nattempt to do so, whether by rule, policy, arbitration decision or\notherwise, shall be invalid and unenforceable. Any challenge to\nthe validity of this section (f) shall be determined exclusively by\na court and not by the administrator or any arbitrator.\ng. This Arbitration Provision is made pursuant to a transaction\ninvolving interstate commerce and shall be governed by and\nenforceable under the FAA. The arbitrator will apply substantive\nlaw consistent with the FAA and applicable statutes of\nlimitations. The arbitrator may award damages or other types of\nrelief permitted by applicable substantive law, subject to the\nlimitations set forth in this Arbitration Provision. The arbitrator\nwill not be bound by judicial rules of procedure and evidence that\nwould apply in a court. The arbitrator shall take steps to\nreasonably protect confidential information.\nh. This Arbitration Provision shall survive (i) suspension,\ntermination, revocation, closure, or amendments to this\nAgreement and the relationship of the parties and/or Oportun or\na subsequent holder; (ii) the bankruptcy or insolvency of any\nparty or other person; and (iii) any transfer of the Account or this\nAgreement, or any interest in, or receivables arising under, the\nAccount or this Agreement, to any other person or entity. If any\nportion of this Arbitration Provision other than section (f) is\ndeemed invalid or unenforceable, the remaining portions of this\nArbitration Provision shall nevertheless remain valid and in\nforce. If an arbitration is brought on a class, representative,\nor collective basis, and the limitations on such proceedings in\nsection (f) are finally adjudicated pursuant to the last sentence of\nsection (f) to be unenforceable, then no arbitration shall be had.\nIn no event shall any such invalidation be deemed to authorize\nan arbitrator to determine Claims or make awards beyond those\nauthorized in this Arbitration Provision.\nTHE PARTIES ACKNOWLEDGE THAT THEY HAVE A\nRIGHT TO LITIGATE CLAIMS THROUGH A COURT\nBEFORE A JUDGE OR JURY, BUT WILL NOT HAVE THAT\nRIGHT IF ANY PARTY ELECTS ARBITRATION\nPURSUANT TO THIS ARBITRATION PROVISION.\nSUBJECT TO SECTION (b), THE PARTIES HEREBY\nKNOWINGLY AND VOLUNTARILY WAIVE THEIR\nRIGHTS TO LITIGATE SUCH CLAIMS IN A COURT\nBEFORE A JUDGE OR JURY UPON ELECTION OF\nARBITRATION BY ANY PARTY.\ni. The arbitration proceedings will be conducted in English;\nhowever, you may have the arbitration hearing translated in\nSpanish or another language by a translator agreed to by you and\nus. If you and we cannot agree to a translator, the arbitrator will\nappoint one.\n\n8\n\n\x0c\xe2\x80\xa2\nYour Billing Rights.\nThis notice tells you about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nYour Billing Rights\nKeep This Notice for Future Use: This notice tells you\nabout your rights and our responsibilities under the Fair\nCredit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement:\nIf you think there is an error on your statement, write to us\nas soon as possible at: Oportun credit card, P.O. Box\n560698, The Colony, TX 75056.\nIn your letter, give us the following information:\n\xe2\x80\xa2\nAccount information: Your name and account\nnumber.\n\xe2\x80\xa2\nDollar amount: The dollar amount of the suspected\nerror.\n\xe2\x80\xa2\nDescription of problem: If you think there is an error\non your bill, describe what you believe is wrong and\nwhy you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2\nWithin 60 days after the error appeared on your\nstatement.\n\xe2\x80\xa2\nAt least 3 business days before an automated payment\nis scheduled, if you want to stop payment on the\namount you think is wrong.\nYou must notify us of any potential errors in writing. You\nmay notify us at Oportun credit card, P.O. Box 560698, The\nColony, TX 75056, but if you do, we are not required to\ninvestigate any potential errors and you may have to pay the\namount in question.\nWhat Will Happen After We Receive Your Letter.\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you\nthat we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of our receipt of your letter, we will send\nyou a written notice explaining either that we corrected the\nerror (to appear on your next statement) or the reasons we\nbelieve the bill is correct.\nWhile we investigate whether or not there has been an error,\nthe following are true:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or\nreport you as delinquent on that amount.\nThe charge in question may remain on your\nstatement, and we may continue to charge you interest\non that amount.\n\nWhile you do not have to pay the amount in question until we\nsend you a notice about the outcome of our\ninvestigation, you are responsible for the remainder of your\nbalance.\n\xe2\x80\xa2\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will\nhappen:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the amount\nin question or any interest or other fees related to that\namount.\nIf we do not believe there was a mistake: You will have to\npay the amount in question, along with applicable interest\nand fees. We will send you a statement of the amount you\nowe, and the date payment is due. We may then report you\nas delinquent if you do not pay the amount we think you\nowe.\n\nIf you receive our explanation but still believe your bill is wrong,\nyou must write to us within 10 days telling us that you still refuse\nto pay. If you do so, we cannot report you as delinquent without\nalso reporting that you are questioning your bill. We must tell\nyou the name of anyone to whom we reported you as delinquent,\nand we must let those organizations know when the matter has\nbeen settled between us.\nIf we do not follow all of the rules above, you do not have to pay\nthe first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights If You Are Dissatisfied With Your\nCredit Card Purchases.\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good faith\nto correct the problem with the merchant, you may have the right\nnot to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or\nwithin 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of\nthese are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that\nsold you the goods or services.);\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify; and\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied\nwith the purchase, contact us in writing at Oportun credit card,\nP.O. Box 560698, The Colony, TX, 75056.\nWhile we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation, we\nwill tell you our decision. At that point, if we think you owe an\namount and do not pay, we may report you as delinquent.\n\n9\n\n\x0c'