E-Sign Act Disclosures

You agree to receive e-mails and other electronic communications from Oportun, Inc., its bank partners, its affiliates, and other third parties that may be providing services to you on behalf of Oportun (“we”, “us” or “our”) about your credit application, loan, credit card, savings, banking/deposit and/or investing products or services (together, “Services”), offered by or through us. The communications may include disclosures, required notices, change in terms updates, periodic statements, account records and other communications, as applicable for the specific Services and/or accounts (collectively, “Communications”). This includes anything we’d otherwise be required to give to you in paper form (e.g. by mail).

You may not be able to obtain Services from us unless you agree to this Consent.

Your Representations

You agree that: (1) you’ve read and understand this Disclosure and Consent; (2) you satisfy the minimum hardware and software requirements below; and (3) your consent will remain in effect until you withdraw it (see below).

Your Right to Withdraw Your Consent

Lending products (personal loans or credit card): You have the right to have communications regarding your credit application, personal loan or credit card (“Lending Communications”) provided to you in paper form and the right to withdraw your consent to receive these electronic Lending Communications. If you wish to withdraw your consent to receive electronic Loan Communications, you may email us at [email protected]. We will not impose any fee for sending paper copies or opting out of using electronic communications. Any withdrawal of your consent to receive Lending Communications electronically will be effective only after we have a reasonable period of time to process your withdrawal.

Savings, banking/deposit, and investing: You may withdraw your consent to receive further Communications regarding our savings, banking/deposit, and investing products and services (“Deposit Communications”) electronically at any time by contacting us at [email protected]. If you withdraw your consent to receive Deposit Communications electronically, we will close your savings, banking/deposit, and investing account, including any accounts held in your name at our bank partners, and return any balance in these accounts to your linked bank account or via check mailed to your address on file with us. Any withdrawal of your consent to receive Deposit Communications electronically will be effective only after we have a reasonable period of time to process your withdrawal.

Please note that withdrawal of your consent to receive Communications electronically will not apply to Communications electronically provided by us to you before the withdrawal of your consent becomes effective.

You Must Keep Your Contact Information Current

You agree to notify us if your email address changes by emailing [email protected] for Lending Disclosures and [email protected]  for Deposit Communications.

Copies of Communications

You should print and save and/or electronically store a copy of all Communications that we provide to you electronically.

You can access these E-Sign Act Disclosures at Oportun.com/esign

Hardware and Software Requirements

To access and keep electronic Communications, you must have: (1) a valid email address; (2) a connection to the Internet; (3) a Current Version of Internet Explorer, Mozilla Firefox, Safari, or Chrome; (4) a Current Version of a program that accurately reads and displays PDF files, such as Adobe Acrobat Reader version 7 or higher; (5) a computer or device and an operating system capable of supporting all of the above; and (6) a printer to print out and save Communications in paper form or electronic storage to retain Communications in an electronic form. “Current Version” means a version of the software that is currently being supported by its publisher.

Changes

We can switch to communicating with you in paper form (and stop communicating electronically) when we deem it necessary and can also change these terms and conditions.