1 WebBank  
Oportun � Visa�  Credit Card  Account  
 Disclosure and Pricing 
Information  
Interest Rates and Interest Charges  
Annual Percentage 
Rate (APR) for 
Purchase s and Cash 
Advances  From 24.90% t o 29.90% 
Your APR will vary with the market based on 
the Prime Rate.*
Paying Interest  Your due date is at least 25 days after the close of 
each Billing Cycle. We will not charge you interest 
on Purchase s if you pay your entire balance by the 
due date each month.  We will begin charging 
interest on Cash Advances on the transaction date.  
Minimum Interest 
Charge  If you are charged interest, the charge will be no 
less than $1.00. 
For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau  To learn more about factors to consider when 
applying for or using a credit card, visit the 
website of the Consumer Financial Protection 
Bureau at 
http://www.consumerfinance.gov/learnmore.  
Fees  
Annual Fee  $0�$49
Transaction Fee s  
Cash Advance  
Foreign Transaction  The greater  of $10 or 3% of transaction amount 
None 
Penalty Fees  
�Late Payment
�Returned  PaymentUp to $35.00 
Up to $35.00 
 2 How We Calculate Your Balance . We use a met hod call ed �average dail y balance (including new transactions ).� For additional 
information, see the �Interest Charges� section of the Agreement. 
Bill
ing Rights . Informati on on your rights to dispute transactions a nd how t o exercise those rights is provide d in the �Your Billing 
Rights� section of this Agreement.  
Prime Rate.   Variable APRs are based on the Prime Rate. The  APR for Purchases and  Cash Advances may vary and will be 
determined by adding 21.65% - 26.65% to the highest U.S. Prime Rate appearing in the �Money Rates� section of any edition of 
The Wall Street Journal  published on the 25th day of each month  If publication is not made on that day, then the Prime Rate on 
the next business day will be used.  If the Prime Rate changes, the new rate will take effect beginning with billing cycles that end 
on 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 
balances on the Account. The APR for all balances is 21.65% - 26.65% plus 3.25%  as of 11/01/2020 currently 
24.90% - 29.90%  (corresponding daily periodic rate from 0.06822% to  0.08192%).  The APR may increase or decrease each 
month if the Prime Rate changes.  If the APR increases, you will pay a higher interest charge and may pay a higher minimum 
payment.  The Prime Rate is simply an index and is not the lowest interest rate available.  
Important Information About Credit Reporting  
We may report information about your Account  to credit 
bureaus.  Late  payments,  missed  payments,  or other  defaults  
on your Account  may be reflected in your credit  report.  
State Specific Information  
NOTICE  FOR  CALIFORNIA  RESIDENTS:  Applicants 
may, after credit approval, use the credit card account up to 
its credit limit and be liable for amounts extended under the 
plan to any joint applicant. If you are married, you may 
apply for credit in your own name.  
NOTICE FOR NEW YORK AND  VERMONT  
RESIDENTS:  WebBank may obtain at any time your credit 
reports, for any legitimate purpose associated with the account 
or the application or request for an account, including but not 
limited to reviewing, modifying, renewing and collecting on 
your account. On your request, you will be informed if such a 
report was ordered. If so, you will be given the name and 
address of the consumer reporting agency furnishing the report.  
NOTICE FOR NEW YORK RE SIDENTS: New York 
residents may contact the New York State Department of 
Financial Services by telephone or visit its website for free 
information on comparative  credit card rates, fees and grace 
periods. New York State Department of Financial Services: 
1-877-226-5697 or http://www.dfs.ny.gov . 
NOTICE FOR OHIO  RESIDENTS:  Ohio  anti-
discrimination laws require creditors to make credit equally 
available to all creditworthy customers and that credit reporting 
agencies maintain separate credit histories on individuals upon 
request. The Ohio Civil Rights Commission administers these 
laws.  
NOTIC E FOR  MARRIED WISCONSIN RESIDENTS: 
No provision  of any marital agreement, unilateral statement, 
or court order applying to marital property will adversely 
affect a creditor�s interests unless prior to the time credit is 
granted, the creditor is furnished with a copy of the 
agreement, statement or court order, or has actual 
knowledge of the  provision.  If you are married, by 
submitting your credit card application you are confirming 
that this credit card obligation is being incurred in the  interest of your marriage and your family. If the credit card   
for which you are applying is granted, you will notify the  
Bank if you have a spouse who needs to receive notification that 
credit has been extended  to you.  
All credit is granted and accounts are owned by WebBank, 
Member FDIC.  
WebBank  
Oportun  Visa  Credit Card  Cardholder  Agreement  
Section 1.  Credit Card Cardholder  Agreement . 
This WebBank Oportun  Visa Credit Card Cardholder Agreement 
(�Agreement�) is between you and WebBank, a Utah -chartered, 
FDIC insured bank having its principal office in Salt Lake City, UT, 
and governs your credit card account (�Account�). There are two 
parts to this Agreement: WebBa nk Oportun Visa Credit Card 
Account Important Disclosure and Pricing Information and the 
WebBank Oportun Cardholder Agreement. WebBank will open an 
Account and issue a Card(s) that may be used on the  VISA� 
network for transactions for Purchases and Cash A dvances at 
merchants, financial institutions, and automatic teller machines 
accepting the Card.    By using your Card, you agree to the terms of 
the Agreement with WebBank including any changes, amendments 
or supplements to it.  
Section 2.  Definitions . 
The meanings  of the capitalized  terms  used in the Agreement  
appear in the �Glossary� (Section 3 9 of this  Agreement).  
As used here,  �you�  and �your�  mean  each applicant  and co-applicant 
approved on the Account; any person responsible for paying the 
Account; any Authorized User; and any person responsible for 
complying with  this Agreement. �We,� �us,� �our,� and 
�WebBank� mean  WebBank.  
Section 3.   Account Documents . 
The following documents govern your Account with  us: 
1.this Agreement;
2.all Statements;
3.any Privacy Notices;
4. all disclosures and materials provided to you before or when 
you opened your Account;
5. any other documents and disclosures relating to  your 
Account ; and  ARBITRATION  
Unless you are a Military Lending Act Covered Borrower (as defined in Section 40), the WebBank Oportun 
Visa  Credit Card Cardholder Agreement contains an Arbitration Provision. The Arbitration Provision is 
contained in Section 41. Please read the Arbitratio n Provision carefully. Unless you send us the rejection 
notice described in the Arbitration Provision, the Arbitration Provision will apply to you.    
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 6. any future changes we make to any  of the above.  
 
Please read all of these carefully and keep them for future 
reference.  
 
Section  4.  Account Informa tion.  
We need information about you to approve and manage your 
Account. This includes the information requested on your 
application. You agree to tell us when this information 
changes and respond to our requests for information or 
additional documents to verify any information. We may 
restrict or close your Account if we cannot verify your 
information, or if you do not prov ide it as requested.  
 
Section 5.   Use and S haring of Informa tion About You.  
When you applied for an Account, you gave us, Oportun  Inc 
(�Oportun�) and our/their affiliates  information about 
yourself that we could share  with each other. Oportun  and 
its affiliates will use the information in connection with the 
credit program and for things like creating and updating  its 
records and  offering you special benefits , and other  products 
and services . More information about how we use and share 
informa tion is set forth in the Privacy Notices for your 
Account.  
 
Section 6.   Credit L imits . 
When you open your Account, we will tell you your credit 
limit. This will also appear on your Statement. We may also 
refer to your credit limit as your credit line.   
You are responsible for keeping track of your balance and 
your available credit. You must manage your Account to 
remain below your  credit  limit.  We may honor  transactions  
above  your credit  limit,  but if we do these transactions will 
not increase your credi t limit. You are responsible for paying 
for any transaction you make above your credit  limit  upon 
demand by us . 
 
We  may also increase, decrease, restrict or cancel your credit 
limit at any time in accordance with applicable law. This 
will not affect your obligation to pay us  for any balance and 
other amounts due under this Agreement . 
 
Section 7.  Using Your Account.  
1. This Agreement applies, whether or not you use your 
Card or Account. It will continue to apply even after your 
Account is closed, as long as you have a balance.  
2. Your use of the Card constitutes your acceptance of this 
Agreement.  
3. You must sign the Card i mmediately when you receive it.  
4. You must return the Card to us or destroy it if we  ask you  
to. 
5. You must take reasonable steps to prevent the 
unauthorized use of your Card and Account.  
6. We may decline to authorize a transaction for any reason. 
This may occur even if the transaction would not cause you 
to go over your credit limit or your Account is not in default.  
7. We are not responsible for any losses you incur if we do 
not authorize a transaction.  
8. We are not responsible for any losses you incur if anyone 
refuses to accept your Card for any reason.  
9. You must not use, or try to use, the Card for any illegal 
activity. You are responsible for any charges if you do.  
10. We are not lia ble for any losses that may result when our 
services are unavailable due to reasons beyond our control.  
 
Section 8.  Account Transactions.  
You and any Authorized User, if allowed, may use your 
Account and Cards to make Purchases of goods or services  at merchants where the Card is accepted and to obtain Cash 
Advances at participating financial institutions.  Each  
Purchase and Cash Advance will reduce the available credit 
under your credit limit until it is repaid.  The total cash advance 
balance is limited to the greater of 30% of your credit limit  or 
$150.  Cash Advances cannot exceed 1 transaction per day, as 
applicable.  You prom ise to pay us when due the total amount of 
all Purchases and Cash Advances as well as all interest and Fees 
and other charges billed to your Account.   
 
Section 9.  Foreign Transactions.     
If you make a transaction that settles in a currency other than US  
dollars, the Card Association (Visa� ) will convert that charge 
into a US dollar amount.  That conversion will be done at a rate 
selected by the card association from the range of rates available 
in wholesale currency markets for the applicable processing date, 
which rate may vary from the rat e the card association itself 
receives or the government mandated rate in effect for the 
applicable processing date.  The currency conversion rate used 
on the processing date may differ from the rate that would have 
been used on the transaction date or the  date the transaction is 
posted to your Account.  You agree to pay the converted amount 
at the rate selected by  the card association, including any charges 
for the conversion that may be imposed for the foreign 
transaction.     
 
Section 10.  Security Inte rest.    
This is an unsecured account and WebBank retains no security 
interest in your real or personal property to secure payment of 
your Account.  
 
Section 11.  Joint Accounts.  
If this is a joint account, each of you is responsible individually 
and togeth er for all amounts owed. Each of you is responsible 
even if the Account is used by only one of you. You will continue  
to be liable for the entire balance of the Account, even if your 
joint accountholder is ordered by a court to pay us. Your Account 
status will be reported to the credit bureau under each of your 
names. We will send a Statement to a single name and address,  
which is the primary accountholder. The delivery of notices or 
Statements to either of you serves as delivery to each of you. We 
may rely on instructions given by either of you. We are not liable 
to either of you for relying upon such instructions. Either  joint 
accountholder can access complete account information and can 
request and accept credit line increase on the Account.  
 
Section 12.  Authorized Users (if allowed).  
If you ask us to issue a Card to any person other than a joint 
account holder and we a gree to do so, they are an Authorized  
User. We  may require certain information about them and you 
should let them know that you are sharing their information with 
us. We  may limit their ability to use your Card. They may have 
access to certain informati on about your Account. You will be 
responsible for their use of the Account and anyone else they 
allow to use your Account, even if you did not want, or agree to, 
that use. We may report information about your Authorized  
User(s) to consumer reporting agenc ies. See the �Credit Reports� 
section of this Agreement.  
 
Section 13.  Removing an Authorized User.  
If you want to remove an Authorized User from your Account, 
you must contact Customer Service at 833 -Oportun and request 
their removal. You also must immediately destroy all Cards in 
their possession and cancel any arrangements they may have set 
up on your  Account. They will be able to use your Account until 
you have notified us that you are removing them from your 
Account. During this time, you will still be responsible for all 
amounts they charge to your Account. You will be responsible    
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 even if these amo unts do not appear on your Account until 
later.  
 
Section 14.  Your Promise to Pay . 
You promise to pay us all amounts due on your Account. 
This includes amounts where you did not sign a Purchase 
slip or other documents for the transaction. We will treat 
transactions made without presenting your Card (such as for 
mail, telephone, Internet, or mobile device Purchases) the 
same as if you used the Card in person. If you let someone 
else use your Card or Account, you are responsible for all 
transactions that pers on makes.  
 
Section 15.  Statements.  
We will send or make available to you one Statement for 
your Account at the end of each Billing Cycle.  Your 
Statement will tell you the payment due date when payments 
are due. You must notify us at Oportun credit card, P.O. Box 
560698, The Colony, TX 75056 of a change in your address. 
Under certain circumstances, the law may not require us to 
send or make a vailable to you a Statement or may prohibit 
us from doing so. In such circumstances, we may continue 
to add interest and fees as permitted by law. If you elect to  
receive your Statement electronically, paper statements will 
not be mailed to you.  
 
Section 16.  Disputed Transactions.  
You should inspect each Statement you receive and tell us 
about any errors or questions you have, as described in the 
�Billing Rights Summary� on your Statement and in this 
Agreement.   
If we credit your Account for all or part o f a disputed 
transaction, you give us all of your rights against others 
regarding that transaction. You will also:   
1. give us any information about the disputed transaction, if 
we ask;  
2. not pursue (or cease your current pursuit of) any claim or 
reimbursement of the transaction amount from the merchant 
or any other person; and  
3. help us get reimbursement from others.  
 
Section 17.  No Warranties.  
We are not responsible for any claim you m ay have 
regarding the Purchase of goods or services made with your 
Card beyond your rights described in the �Billing Rights 
Summary� on your Statement and in this Agreement.  
 
Section 18.  Lost or Stolen Card.  
If your Card is lost or stolen or if you think someone else 
may be using your Card or Account without your 
permission, you must contact us at 833 -Oportun 
immediately. You will not be responsible for transactions on 
your Account that we find are unauthorized.   
If we reimburse you for unauthorized transa ctions, you will 
help us investigate, pursue and get reimbursement from the 
wrongdoer. Your help includes giving us documents in a 
form that we request.  
 
Section 19.  Interest Charges.  
We use a method called Average Daily Balance (including 
new transactions) to calculate the Interest Charges 
separately for each transaction type on your account.   
1. First, for each day in the Billing Cycle, we start with the 
previous balance for Purchases and Cash Advances, add any 
new charges not subject to a gra ce period, which may  include Fees and Interest, and subtract any payments and credits 
as described in the �How We  Apply Your Payments� Section of 
this Agreement. The result is the daily  
balance.  
2. Next, we add the daily balances together and divide the sum 
by the number of days in the Billing Cycle. The result is the 
Average Daily Balance.  
3. At the end of each Billing Cycle, we multiply your Average 
Daily Balance by the daily periodic rate, and th en we multiply 
the result by the number of days in the Billing Cycle.  
4. The result is your total Interest Charge for the Billing Cycle,  
which you authorize us to round to the nearest cent.   
For purposes of the above calculations, Interest Charges are 
added (posted) to the daily balance of each Credit Plan on the last 
day of the Billing Cycle. Fees are added as part of the daily 
balance on the day they are posted to the Account. New 
Purchases become  part of the Account balance on the transaction 
date. Due to rounding or a minimum Interest Charge, this 
calculation may vary slightly from the Interest Charge actually 
assessed.   
The daily periodic rate that is used to determine your Interest 
Charg es is 1/365th of your Annual Percentage Rate (APR).   
We will charge the Interest Charges and Fees to your Account as 
disclosed in your Important Disclosure and Pricing Information 
chart and your Statement. If you paid your balance in full by the 
due date o n your prior Statement, then we will not charge you 
any new Interest Charges on new Purchases made during the 
current Billing Cycle.   
We may increase your Interest Charges and Fees as described in 
the �Changes to Your Agreement� section of this Agreement.   
If we charge you interest, the charge will be no less than $1.00.  
 
Section 20.  Transaction Fees.  
Cash Advances.  We may charge you a Cash Advance 
Transaction Fee on any Cash Advance in an amount the greater 
of $10 or three percent (3%) of the transaction  amount.  
 
Section 21.  Late Payment and Returned Payment Fee.  
(a). Late Payment Fee.  If we do not receive payment from you in 
at least the amount of your total Minimum Payment by the due 
date shown on your monthly Statement, you will be charged a 
Late Payment Fee. The fee will be $25.00  if you did not incur a 
Late Payment Fee during any o f the prior six billing periods; 
otherwise the Late Payment Fee will be $35.00.   However, this 
fee will not exceed the amount permitted by law.     
 
(b). Returned Payment Fee.  If any check or other payment 
tendered in payment on your Account is returned un paid for any 
reason, you will be charged a Returned Payment Fee. The fee 
will be $25.00  if you did not incur a Returned Payment Fee 
during any of the prior six billing periods; otherwise, the 
Returned Payment Fee will be $35.00 .  However, this fee will 
not exceed the amount permitted by law.   
 
Section 22.  Annual Fee.   
The Annual Fee for your Account is up to $49. The Annual Fee 
will be billed to your Account as long as it remains open.   
 
Section 23.  Minimum Payment.  
You must pay at least the total Minimum Payment due by the 
payment due date each month.   
Your total Minimum Payment due will be the greater of (i) $25, 
or (ii) 5% of the total of the new balance on your Statement, plus 
late fees plus any past due amount, rounded to the next highest 
dollar.  However, if your total outstanding balance is less than 
$25 your total Minimum Payment due will be the entire b alance.   
    
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 Your Statement will tell you:  
1. the total Minimum Payment due,  
2. your new balance,  
3. the payment due date, and  
4. an explanation of when the payment must reach us for us 
to consider it received as of that date.   
Returns and other credits to your Account will reduce your 
Account balance, but they will not change your Minimum 
Payment amount.   
If your Account is 180 days past due, is part of a bankruptcy 
proceeding, or is otherwise charged off, the total balance is 
immediately due and payable.  
 
Section 24.  Making Payments.  
Your payment must be made in U.S. dollars from a U.S. 
deposit account in a form and a location acceptable to us.   
You may not make payments with funds from your Account 
or any other credit account with us. You must send mailed 
payments to us as instructed on your Statement, unless we 
tell you otherwise.  
 
You must mail all payment items (such as chec ks) 
(�Item(s)�)  bearing restrictive words, conditions, 
limitations, or special instructions to: Oportun credit card, 
P.O. Box 561240, The Colony, TX 75056. This includes 
Items marked �Paid in Full� or similar language. This also 
includes all accompanying c ommunications. If you make 
such a payment or send any accompanying communications 
to any other address, we may reject it and/or return it to you. 
We may also accept it and process it without losing any of 
our rights.  
 
Section 25.  Other Payment Services.  
We may make services available that allow you to make in -
person payments and faster or recurring payments online or 
by telephone. We will describe the terms for using these 
services and any applicable Fee before you use them. You 
do not have to use these ot her payment services.   
We are not responsible if your financial institution rejects a 
payment made using our payment services.   
If you ask someone else to make a payment for you, we may 
provide that person with limited Account information 
necessary to set up and process that payment. We may also 
refuse to accept that payment. If we do accept it, you will be 
responsible for that payment even if a financial institution 
rejects it.  
 
Section 26.  Payment Processing.  
We may accept and process payments without losing any of 
our rights. Although we immediately credit your loan 
payment to the balance of your Account, we may hold your 
available credit until we confirm your payment cleared. We 
may hold your available credit for up to 7 calendar days. We 
may resubmit and collect returned payments electronically. 
If necessary, we may adjust your Account to correct errors, 
process returned and reversed payments, and handle similar 
issues.   
When you send us an Item as payment, you authorize us to 
make a one -time electronic funds transfer from your deposit 
account. We may withdraw the funds from your deposit 
account as early as the same day we receive your payment. 
You will not receive your Item back from your bank. We 
will provide additional information about this  process on 
your Statement.   
We may use the information from an Item to create an 
electronic image. We may collect and return the image 
electronically. This electronic image may also be converted  to a substitute check and may be processed in the same way  
we would process an Item. We are not responsible if an Item  
you provide has physical features that, when imaged, result  
in it not being processed as you intended.  
 
Section 27.  How We Apply Your Payments.  
In each Billing Cycle, we apply payments up to your Minimum 
Payment to balances on your Account using any method we 
choose (in accordance with applicable laws and regulations). 
Payments up to your Minimum Payment will be applied in any 
order at our discret ion, and payments in excess of the Minimum 
Payment will be applied to balances with the highest APR first 
and then to lower rate balances in descending order of APR. This 
means that balances with higher APRs are reduced before 
balances with lower APRs for any amount of your payment that 
is in excess of your Minimum Payment due.  
 
Section 28.  Credit Balances.  
We may reject and return any payment that creates or adds to a 
credit balance on your Account. Any credit balance we allow will 
not be available until we confirm that your payment has cleared. 
We may reduce the amount of any credit balance by any new 
charges.  We will make a good faith effort to refund any credit 
balance remaining in the account for more than six months; or, 
you may write  to the address provided on your Statement or call 
us at 833 -Oportun to request a refund of any available credit 
balance and we will issue a refund within thirty business days.  
 
Section 29.  Account Default.  
You will be in default if:   
1. you do not make a ny payment when it is due;  
2. any payment you make is rejected, not paid or cannot be 
processed;  
3. you file or become the subject of a bankruptcy  
or insolvency proceeding;  
4. you are unable or unwilling to repay your obligations;  
5. you move outside of t he U.S.;  
6. we determine that you made a false, incomplete or misleading 
statement to us, or you otherwise tried to defraud us; or  
7. you do not comply with any term of this Agreement or any 
other agreement with us.   
If you are in default, we may take cert ain actions with respect to 
your Account. For example, depending on the default, we may 
take the following actions, without notifying you, unless the law 
says that we must give you notice:   
1. charge you Fees, as permitted under the Agreement;  
2. suspend your credit limit or the ability to make further 
transactions on your Account;  
3. close your Account;  
4. lower your credit limit(s);  
5. demand that you immediately pay the total balance owing on 
your Account;  
6. engage in efforts to collect your Account;  
7. continue to charge you Interest Charges and Fees as long as 
your balance remains outstanding; and/or  
8. file a lawsuit against you, o r pursue another action that is not 
prohibited by law. If we file a lawsuit, you agree to pay our court 
costs, expenses and attorney fees, unless the law does not allow 
us to collect these amounts.  
 
Section 30.  Communications.  
You agree  that we (including  any companies working on our 
behalf to service your Account) may contact you at any phone 
number, email address or mailing address you provide to us,    
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 including mobile devices. You agree that from time to time 
we (including any companies working on our be half to 
service your  
Account) may monitor and record telephone calls made or 
received by us or our agents regarding your Account to 
assure  
the quality of our service. In order for us to service the 
Account or to collect any amounts you may owe, and subje ct 
to applicable law, you agree that we (including any 
companies working on our behalf to service your Account) 
may from time to time make calls and send text messages to 
you using prerecorded/artificial voice messages or through 
the use of an automatic di aling device at any telephone 
number you provide to us in connection with your Account 
at any time, including a mobile telephone number that could 
result in charges to you.  Notify us immediately of any 
changes to your contact information by calling 833 -
Oportun.  
 
Section 31.  Credit Reports.  
We may report information about your Account, including 
about you and any Authorized Users, to credit bureaus and 
others. Late payments, missed payments, or other defaults 
on your Account may be reflected in your credit report. 
Information we provide may appear on your credit report.   
If you believe that we have reported inaccurate information 
about your Account to a credit bureau or other consumer 
reporting agency, notify us in writing at Oportun credit card, 
P.O. Box 560698, The Colony, TX 75056 When you write, 
tell us the specific information that you believe is incorrect 
and why you believe it is incorrect. We will research the 
issue and let you know if we agree or disagree with you. If 
we agree, we will contact  each consumer reporting agency 
we reported to and request a correction.   
We may obtain and use credit, income and other information 
about you from credit bureaus and others as the law allows.  
 
Section 32.  Closing or Suspending Your Account.  
You may contact us at 833 -Oportun to ask us to close your 
Account.   
We may close or suspend your Account at any time and for 
any reason permitted by law, even if you are not in default. 
For example, we may close your Account if you have 
received your card and have  not activated or used it within 
60 days.   
If your Account is closed or suspended by either you or us 
for any reason, you must stop using your Card. If we close 
or permanently suspend your Account, you must return or 
destroy all Cards. You must still pay u s all amounts you owe 
on the Account, including any amounts that post to your 
Account after it is closed or suspended.  
 
Section 33.  Changes to Your Agreement.  
At any time, we may add, delete or change any term of this 
Agreement, unless the law prohibits us from doing so. We 
will give you notice of any changes as required by law. We 
may notify you of changes on your Statement or in a 
separate notice. Our notice will tell you when and how the 
changes will take effect. Use of the Card after the dat e the 
notice takes effect shall signify your agreement to the 
changes. The notice will describe any rights you have in 
connection with the changes. If we increase your APR for 
any reason, or if we change your Fees or other terms of your 
Account, we will no tify you as required by law.  You may   not change this Agreement unless we agree to your change  in 
writing.  
Section 34.  The Law that Applies to Your Agreement.  
This Agreement and your Account will be governed by federal 
law applicable to a FDIC -insured in stitution located  
in Utah and, to the extent not preempted by federal law, the law 
of the state of Utah, without regard to its choice of law 
provisions. You agree that this Agreement is entered into 
between you and us, and received by us, in Utah and we e xtend 
credit to you from Utah, whether or not you live in Utah. We will 
make the decision whether to open an account for you based on 
criteria established in Utah.  
 
Section 35.  Severability.  
If any provision of this Agreement is determined to be void or 
unenforceable under any applicable law, rule or regulation, all 
other provisions of this Agreement will remain enforceable 
(except as specifically addressed in the Arbitration provision).  
This Agreement is a final expression of the agreement between 
you a nd us.  
 
Section 36.  Waiver.  
We will not lose any of our rights if we delay or choose not to 
take any action for any reason. We may waive our right without 
notifying you. For example, we may waive your Interest Charges 
or Fees without notifying you and without losing our right to 
charge them in the future.  
 
Section 37.  Assignment.  
This Agreement will be binding on, and benefit, any of your and 
our successors and assigns. You may not sell, assign or transfer 
your Account or this Agreement to someone else  without our 
written permission.  We may sell, assign or transfer your Account 
and this Agreement including the receivables associated 
therewith and any of the rights and benefits of this Agreement 
without your permission and without prior notice to you. A ny 
assignee or assignees will take our place under this Agreement. 
You must pay them and perform all of your obligations to them 
and not us. If you pay us after we notify you that we have 
transferred your Account, the receivables thereunder or this 
Agreeme nt, we can return the payment to you, forward the 
payment to the assignee, or handle it in another way that is 
reasonable.  
 
We may also engage agents, authorized representatives, and 
other service providers, all of which may act for us under this 
Agreement  and rely on the rights given to us under this 
Agreement.   
Section 3 8.  Spanish Tr anslations . 
We provide Spanish translations, certified by a third -party 
translator, as a courtesy to our Spanish -speaking customers. 
When provided with an English document of  the same content, 
the English provisions are always the legally binding provisions. 
If the Spanish translations differ from the English provisions, the 
English provisions control.  
 
Section 3 9.  Glossary.  
�Account� means your Oportun Visa Credit Card Account with 
WebBank.   
�Annual Fee� means the fee charged on an annual basis for use 
of your Account.   
�Annual Percentage Rate� or �APR� means your cost of credit 
expressed  as a yearly rate.  
 
�Billing Cycle� means the period of time reflected on a 
Statement. This period may vary in length but is    
7 
 approximately 30 days. You will have a Billing Cycle even 
if a Statement is not required. We will often specify a 
Billing Cycle by the month in which its closing date  occurs. 
For example, a �March Billing  
Cycle� will have a closing date in March. We may also refer 
to a Billing Cycle as a �Billing Period.� If your Account 
balance has  
charged off, we may switch to quarterly Billing Cycles for 
your Account.   
�Card� mean s any WebBank credit card associated with 
your Account. This includes all renewals and substitutions. 
It also means any other access device for your Account we 
give you that allows you to obtain credit, including any 
Account number.   
�Cash Advance�  means a  transaction using your Card to 
obtain cash from financial institutions or automatic teller 
machines that honor the Card or if we provide you with  
Cash Advance checks.  Also treated as Cash Advances are 
purchasing travelers checks, foreign currency, money  
orders, wire transfers or similar cash like transactions as we 
determine including purchasing lottery tickets or similar 
betting transactions and making a payment using a third 
party service.   
�Fees� mean charges imposed on your Account not based 
on the A nnual Percentage Rates.   
�Interest Charges� mean any charges to your Account 
based on the application of an Annual Percentage Rate.  
 
�Item� means a check, draft, money order or other 
negotiable instrument you use to pay your Account. This 
includes any image of these instruments.  
 
�Minimum Payment� is the amount that must be paid by the 
payment due date indicated on your Statement.   
�Purchase � means a transaction using your Card to purchase 
or receive goods or services from one who honors the Card.   
�Statement� means a document showing important Account 
information, including all transactions billed to your 
Account during a Billing Cycle and information about what 
you must pay. We may also refer to your Statement as a 
�Periodic Statement� or a �Billing St atement.�  
 
Section 40.  Military Lending Act Disclosure.  
The federal Military Lending Act (�MLA�) provides 
important protections for certain members of the Armed 
Forces and their dependents (�Covered Borrowers�) relating 
to extensions of consumer credit.  The following provisions 
of this Section 40 apply only to  Covered Borrowers.    
Federal law provides important protections to members of 
the Armed Forces and their dependents relating to 
extensions of consumer credit. In general, the cost of 
consumer credit to a member of the Armed Forces and his 
or her dependent may not exceed an annual percentage rate 
of 36 percent. This rate must include, as applicable to the 
credit transaction or account: The costs associated with 
credit insurance premiums; fees for ancillary products sold 
in connection with the credi t transaction; any application fee 
charged (other than certain application fees for specified 
credit transactions or accounts); and any participation fee 
charged (other than certain participation fees for a credit 
card account).   In order to hear important  disclosures and payment information 
about the account of a Covered Borrower, you may call 1 -855-
613-0070.   
 
The Arbitration Provision set forth in Section 4 1 of this 
Agreement does not apply if you are a Covered Borrower.   
 
Section 4 1.  Arbitration.  
RESOLUTION OF DISPUTES: THIS ARBITRATION 
PROVISION LIMITS YOUR RIGHTS IN THE EVENT OF A 
DISPUTE BETWEEN YOU AND US AND OTHERS UNLESS 
YOU ARE AN MLA COVERED BORROWER. YOU HAVE 
THE RIGHT TO REJECT THIS PROVISION AS PROVIDED 
IN PARAGRAPH (b) BELOW.  
 
a. Either yo u or we may, at your or our sole election, require that 
the sole and exclusive forum and remedy for resolution of a 
Claim be final and binding arbitration pursuant to this section 
(the �Arbitration Provision�), unless you opt out as provided in 
section (b)  below. Oportun (including its affiliates and dealers), 
or any subsequent holder of this Agreement or any interest in 
your Account or any subsequent Purchaser, holder or assignee of 
any receivables arising under your Account (collectively, 
�subsequent hold er�), may also elect arbitration of any Claim as 
provided in this Arbitration Provision. As used in this Arbitration 
Provision, �Claim� shall include any past, present, or future 
claim, dispute, or controversy involving you (or persons 
claiming through or connected with you), on the one hand, and 
us and/or Oportun and/or any subsequent holder (or persons 
claiming through or connected with us and/or Oportun and/or the 
subsequent holders), on the other hand, relating to or arising out 
of your application for and origination of this Account, this 
Agreement, your Account, or the relationship between you and 
us, including (except to the extent provided otherwise in the last 
sentence of section (f) below) the validity or enforceability of 
this Arbitration Provisio n, any part thereof, or the entire 
Agreement. Claims are subject to arbitration regardless of 
whether they arise from contract; tort (intentional or otherwise); 
a constitution, statute, common law, or principles of equity; or 
otherwise. Claims include matt ers arising as initial claims, 
counter -claims, cross -claims, third -party claims, or otherwise. 
The scope of this Arbitration Provision is to be given the broadest 
possible interpretation that is enforceable.  
 
b. You may opt out of this Arbitration Provisio n for all purposes 
by sending an arbitration opt out notice to Oportun credit card, 
P.O. Box 560698, The Colony, TX 75056, which is received at 
the specified address within 30 days of the date that you applied 
for an Account. The opt out notice must clearl y state that you are 
rejecting arbitration; identify the Account to which it applies by 
date; provide your name, address, and social security number; 
and be signed by you. You may send an opt out notice in any 
manner you see fit as long as it is received a t the specified address 
within the specified time. No other methods can be used to opt 
out of this Arbitration Provision. If the opt out notice is sent on 
your behalf by a third party, such third party must include 
evidence of his or her authority to submi t the opt out notice on 
your  behalf.  
 
c. The party initiating arbitration shall do so with the American 
Arbitration Association (the �AAA�) or Judicial Alternatives and 
Mediation Services (�JAMS�).  The arbitration shall be 
conducted according to, and the location of the arbitration shall 
be determined by and in accordance with, the rules and policies 
of the administrator selected, except to the extent the rules 
conflict with this Arbitration Provision or any applicable law. If 
you have any questions co ncerning the AAA or would like to 
obtain a copy of the AAA arbitration rules, you may call 1 -800-   
8 
 778-7879 or visit the AAA�s web site at: www.adr.org. If 
you have any questions concerning JAMS or would like to 
obtain a copy of the JAMS arbitration rules, you may call 1 -
800-352-5267 or visit their web site at:  www.jamsadr.com.  
In the case of a conflict between the rules and policies of the 
administrator and this Arbitration Provision, this Arbitration 
Provision shall control, subject to applicable law, unless all 
parties to the   
arbitration consent to have the rules and policies of the 
administrator apply. In the event that neither of the above 
named administrators is available, the party requesting 
arbitration may choose an alternative arbitrator or arb itration 
provider.  
 
d. If we (or Oportun or any subsequent holder) elect 
arbitration, we (or Oportun or the subsequent holder, as the 
case may be) shall pay all the administrator�s filing costs and 
administrative fees (other than hearing fees). If you elec t 
arbitration, filing costs and administrative fees (other than 
hearing fees) shall be paid in accordance with the rules of 
the administrator selected, or in accordance with applicable 
law if contrary to the administrator�s rules. We (or Oportun 
or the sub sequent holder, as the case may be) shall pay the 
administrator�s hearing fees for one full day of arbitration 
hearings. Fees for hearings that exceed one day will be paid 
by the party requesting the hearing, unless the 
administrator�s rules or applicable law require otherwise, or 
you request that we (or Oportun or the subsequent holder) 
pay them and we agree (or Oportun or the subsequent holder 
agrees) to do so. Each party shall bear the expense of its own 
attorneys� fees, except as otherwise provided by a pplicable 
law. If a statute gives you the right to recover any of these 
fees, these statutory rights shall apply in the arbitration 
notwithstanding anything to the contrary herein.   
e. Within 30 days of a final award by the arbitrator, any party 
may appeal  the award for reconsideration by a three -
arbitrator panel selected according to the rules of the 
arbitration administrator. In the event of such an appeal, any 
opposing party may cross -appeal within 30 days after notice 
of the appeal. The panel will recon sider de novo all aspects 
of the initial award that are appealed. Costs and conduct of 
any appeal shall be governed by this Arbitration Provision 
and the administrator�s rules, in the same way as the initial 
arbitration proceeding. Any award by the individ ual 
arbitrator that is not subject to appeal, and any panel award 
on appeal, shall be final and binding, except for any appeal 
right under the Federal Arbitration Act (�FAA�), and may 
be entered as a judgment in any court of competent 
jurisdiction.   
f.  We (and Oportun and any subsequent holder) agree not 
to invoke our right to arbitrate an individual Claim you may 
bring in Small Claims Court or an equivalent court, if any, 
so long as the Claim is pending only in that court. We (or 
Oportun or any subsequent  holder) will not initiate an 
arbitration proceeding to collect a debt from you unless you 
assert a Claim against   us (or Oportun or any subsequent 
holder). You may seek arbitration in a proceeding to collect 
a debt. We (or Oportun or any subsequent holde r) may seek 
arbitration in a proceeding to collect a debt if you assert a 
Claim against us (or Oportun or any subsequent holder). NO 
ARBITRATION SHALL PROCEED ON A CLASS, 
REPRESENTATIVE, OR COLLECTIVE BASIS 
(INCLUDING AS PRIVATE ATTORNEY GENERAL 
ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR  CLAIMS THAT ARE THE SUBJECT OF THE 
ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR 
COULD HAVE BEEN ASSERTED) IN A COURT AS CLASS, 
REPRESENTATIVE, OR COLLECTIVE ACTIONS IN A 
COURT. Unless consented to in writing by all parties to the 
arbitration, no party to the arbitration may join, consolidate, or 
otherwise bring claims for or on behalf of two or more 
individuals or unrelated corporate entities in the same arbitration 
unless those persons are parties to a single transa ction. Unless 
consented to in writing by all parties to the arbitration, an award 
in arbitration shall determine the rights and obligations of the 
named parties only, and only with respect to the claims in 
arbitration, and shall not (a) determine the right s, obligations, or 
interests of anyone other than a named party, or resolve any 
Claim of anyone other than a named party; nor (b) make an award 
for the benefit of, or against, anyone other than a named party. 
No administrator or arbitrator shall have the p ower or authority 
to waive, modify, or fail to enforce this section (f), and any 
attempt to do so, whether by rule, policy, arbitration decision or 
otherwise, shall be invalid and unenforceable. Any challenge to 
the validity of this section (f) shall be de termined exclusively by 
a court and not by the administrator or any arbitrator.   
g. This Arbitration Provision is made pursuant to a transaction 
involving interstate commerce and shall be governed by and 
enforceable under the FAA. The arbitrator will apply  substantive 
law consistent with the FAA and applicable statutes of 
limitations. The arbitrator may award damages or other types of 
relief permitted by applicable substantive law, subject to the 
limitations set forth in this Arbitration Provision. The arbi trator 
will not be bound by judicial rules of procedure and evidence that 
would apply in a court. The arbitrator shall take steps to 
reasonably protect confidential  information.  
 
h. This Arbitration Provision shall survive (i) suspension, 
termination, rev ocation, closure, or amendments to this 
Agreement and the relationship of the parties and/or Oportun or 
a subsequent holder; (ii) the bankruptcy or insolvency of any 
party or other person; and (iii) any transfer of the Account or this 
Agreement, or any int erest in, or receivables arising under, the 
Account or this Agreement, to any other person or entity. If any 
portion of this Arbitration Provision other than section (f) is 
deemed invalid or unenforceable, the remaining portions of this 
Arbitration Provisi on shall nevertheless remain valid and  in  
force. If an  arbitration  is  brought on    a class, representative, 
or collective basis, and the limitations on such proceedings in 
section (f) are finally adjudicated pursuant to the last sentence of 
section ( f) to be unenforceable, then no arbitration shall be had. 
In no event shall any such invalidation be deemed to authorize 
an arbitrator to determine Claims or make awards beyond those 
authorized in this Arbitration Provision.   
THE PARTIES ACKNOWLEDGE THAT T HEY HAVE A 
RIGHT TO LITIGATE CLAIMS THROUGH A COURT 
BEFORE A JUDGE OR JURY, BUT WILL NOT HAVE THAT 
RIGHT IF ANY PARTY ELECTS ARBITRATION 
PURSUANT TO THIS ARBITRATION PROVISION. 
SUBJECT TO SECTION (b), THE PARTIES HEREBY 
KNOWINGLY AND VOLUNTARILY WAIVE THEI R 
RIGHTS TO LITIGATE SUCH CLAIMS IN A COURT 
BEFORE A JUDGE OR JURY UPON ELECTION OF  
ARBITRATION BY ANY  PARTY.  
 
i. The arbitration proceedings will be conducted in English; 
however,  you may have the arbitration hearing  translated  in 
Spanish  or another lan guage  by a translator agreed to by you and 
us.  If you and we cannot agree to a translator, the  arbitrator will 
appoint  one.    
9 
  
Your Billing Rights.  
This notice tells you about your rights and our 
responsibilities under the Fair Credit Billing Act.  
 
Your Billing Rights  
Keep This Notice for Future Use: This notice tells you 
about your rights and our responsibilities under the Fair 
Credit Billing Act.  
 
What To Do If You Find A Mistake On Your Statement: 
If you think there is an error on your statement, write to us 
as soon as possible at: Oportun credit card, P.O. Box 
560698, The Colony, TX 75056.  
 
In your letter, give us the following information:  
� Account information: Your name and account 
number.  
� Dollar amount: The dollar amount of the suspected 
error.  
� Description of problem: If you think there is an error 
on your bill, describe what you believe is wrong and 
why you believe it is a mistake.  
 
You must contact us:  
� Within 60 days after the error appeared on your 
statement.  
� At least 3 business days before an automated payment 
is scheduled, if you want to stop payment on the 
amount you think is wrong.   
You must notify us of any potential errors in writing . You 
may notify us at Oportun credit card, P.O. Box 560698, The 
Colony, TX 75056, but if you do, we are not required to 
investigate any potential errors and you may have to pay the 
amount in question.  
 
What Will Happen After We Receive Your Letter.  
When we receive your letter, we must do two things:   
1. Within 30 days of receiving your letter, we must tell you 
that we received your letter. We will also tell you if we have 
already corrected the error.  
 
2. Within 90 days of our receipt of your letter, we will send 
you a written notice explaining either tha t we corrected the 
error (to appear on your next statement) or the reasons we 
believe the bill is correct.   
While we investigate whether or not there has been an error, 
the following are true:  
 
� We cannot try to collect the amount in question, or 
report you as delinquent on that amount.  
� The charge in question may remain on your 
statement, and we may continue to charge you interest 
on that amount.  � While you do not have to pay the amount in question  until we 
send you a notice about the outcome of our  
investigation, you are responsible for the remainder of your 
balance.  
� We can apply any unpaid amount against your credit limit.  
 
After we finish our investigation, one of two things will 
happen:  
 
� If we made a mistake: You will not have to pay the amount 
in question or any interest or other fees related to that 
amount.  
� If we do not believe there was a mistake: You will have to 
pay the amount in question, along with applicable interest 
and fees. We will  send you a statement of the amount you 
owe, and the date payment is due. We may then report you 
as delinquent if you do not pay the amount we think you 
owe.  
 
If you receive our explanation but still believe your bill is wrong, 
you must write to us within 10 days telling us that you still refuse 
to pay. If you do so, we cannot report you as delinquent without 
also reporting that you are questioning your bill. We must tell 
you the name of anyone to whom we reported you as delinquent, 
and we must let those or ganizations know when the matter has 
been settled between us.   
If we do not follow all of the rules above, you do not have to pay 
the first $50 of the amount you question even if your bill is 
correct.  
 
Your Rights If You Are Dissatisfied With Your  
Credit  Card Purchases.  
If you are dissatisfied with the goods or services that you have 
purchased with your credit card, and you have tried in good faith 
to correct the problem with the merchant, you may have the right 
not to pay the remaining amount due on the purchase.   
To use this right, all of the following must be true:   
1. The purchase must have been made in your home state or 
within 100 miles of your current mailing address, and the 
purchase price must have been more than $50. (Note: Neither of 
these are necessary if your purchase was based on an 
advertisement we mailed to you, or if we own the company that 
sold you the goods or services.);  
2. You must have used your credit card for the purchase. 
Purchases made with cash advances from an ATM or with a 
check that accesses your credit card account do not qualify; and  
3. You must not yet have fully paid for the purchase.   
If all of the criteria above are met and you are still dissatisfied 
with the purchase, contact us in writing at Oportun credit card, 
P.O. Box 560698, The Colony, TX, 75056.   
While we investigate, the same rules apply to the disputed 
amount as discussed above. After we finish our investigation, we 
will tell you our decision. At that point, if we think you owe an 
amount and do not pay, we may report you as delinquent.