Oportun Financial Investor Presentation — August 2021

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August 5, 20212This presentation and the accompanying oral presentation contain forward -looking statements. All statements other than statement s of historical fact contained in this presentation, including statements

concerning our business, future results of operations and financial position, planned products and services, achievement of our strategic priorities, warehouse line and credit commitment, third quarter and full -year

outlook, business strategy and plans and objectives of management for future operations of Oportun Financial Corporation (“Op ortun” or the “Company”), are forward -looking statements. These statements involve

known and unknown risks, uncertainties, assumptions and other factors that may cause the Company’s actual results and financial position, as well as our plans, objectives and expectations for our performance or

achievements to be materially different from any future results, performance or achievements expressed or implied by the forw ard-looking statements. These risks and uncertainties include those risks described in

Oportun's filings with the Securities and Exchange Commission under the caption "Risk Factors", including the Company's most recent annual report on Form 10 -K and the most recent quarterly report on Form 10 -Q,

and include, but are not limited to: the extent and duration of the COVID -19 pandemic; market and economic disruptions stemming from the COVID -19 pandemic; Oportun’s future financial performance, including

trends in revenue, net revenue, operating expenses, and net income; changes in market interest rates; increases in loan delin quencies and charge -offs; Oportun’s ability to operate successfully in a highly regulated

industry; the effect of management changes; the effect of the consolidation of a portion of our retail locations; Oportun's ability to increase the volume of loans it makes; Oportun's ability to successfully offer loans

in additional states; the successful development and execution of strategic partnerships; and Oportun’s ability to compete su ccessfully with companies that are currently in, or may in the future enter, the business

of providing consumer loans to low -and moderate- income customers underserved by traditional, mainstream financial institutions.

In some cases, you can identify forward -looking statements by terminology such as “aim,” “anticipate,” “assume,” “believe,” “con template,” “continue,” “could,” “due,” “estimate,” “expect,” “goal,” “intend,” “may,”

“objective,” “plan,” “predict,” “potential,” “positioned,” “seek,” “should,” “target,” “will,” “would,” or the negative of th eseterms or other similar words. These forward -looking statements are subject to the safe harbor

provisions under the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended and Section 21E of the Securities Exchange Act of 1934, as amended. These statements