Oportun Financial Investor Presentation — May 2021

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May 6, 2021Forward -looking statements

This 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, business strateg y, plans and objectives of management for future operations of Oportun Financial

Corporation (“Oportun” or the “Company”), the scheduled closing of the 2021 -B securitization transaction, and Oportun’s ability to complete the 2021 -B securitization tran saction, are forward -looking statements.

These statements involve known and unknown risks, uncertainties, assumptions and other factors that may cause the Company’s a ctual 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 achieveme ntsexpressed or implied by the forward -looking statements. These risks and

uncertainties include those risks described in Oportun's filings with the Securities and Exchange Commission under the captio n "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 incom e; changes in market interest rates; increases in loan delinquencies 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; Oportun’s ability to complete its 2021 -B securitization transaction; the successful development and execution of

strategic partnerships; and Oportun’s ability to compete successfully with companies that are currently in, or may in the fut ureenter, 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