Credit Card Account Based

WebBank

Oportun Credit Card Account

Disclosure and Pricing

Information

Interest Rates and Interest Charges

Annual Percentage

Rate (APR) for

Purchases and Cash

Advances

29.90%

when you open your account based on your

creditworthiness.

After that, 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 Purchases 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 Fees

Cash Advance

Foreign Transaction

The greater of $10 or 3% of transaction amount

None

Penalty Fees

• Late Payment

• Returned Payment

Up to $35.00

Up to $35.00

How We Calculate Your Balance. We use a method called “average daily balance (including new transactions).”

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 a base rate 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. The APR may increase or decrease each month if the Prime Rate changes. If the APR increase, 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. The Oportun® Visa® Credit Card cardholder agreement will be provided upon account opening.

Important Information

About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

ARBITRATION

Unless you are a Military Lending Act Covered Borrower, the WebBank Oportun Credit Card Cardholder Agreement, which is provided upon account opening, contains an Arbitration Provision. The Arbitration Provision is contained in the Cardholder Agreement. Please read the Arbitration Provision carefully. Unless you send us the rejection notice described in the Arbitration Provision, the Arbitration Provision will apply to you.

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 RESIDENTS: 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-***-**** 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. NOTICE 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. PROGRAM TERMS: By applying for this Account issued by WebBank you understand that you may not be approved if you do not meet WebBank’s credit criteria and other criteria, including but not limited to:

• You are under the age of 18 on the date you submit your application for credit.

• You reside in a state where financing is not offered under this Program.

• Your name, address and social security number do not match an existing credit bureau file.

• The application is missing required information, or the information you provide cannot be verified.

All credit is granted and all Accounts are owned by WebBank, Member FDIC. This Account is subject to approval by WebBank.

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