Oportun Financial Corporation – Material Contracts Watch

EX-10.9

from 10-Q 47 pages Certain Information Contained in This Exhibit, Marked by [***], Has Been Excluded From This Exhibit Because the Registrant Has Determined That It Is Both Not Material and Is the Type That the Registrant Treats as Private or Confidential. Exhibits A-F to This Exhibit Have Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K. Program Management Agreement

12/34/56

EX-10.1

from 8-K 13 pages 1.board Matters. Company Agrees That as of the Closing of the Polls at Company’s 2026 Annual Meeting of Stockholders (The “2026 Annual Meeting”), Two of the Class I Directors Serving on Company’s Board of Directors (The “Board”) as of the Date of This Agreement Will Have Retired From the Board and Will Not Be Standing for Election as Directors at the 2026 Annual Meeting. 2. Withdrawal of Nomination and Related Matters

12/34/56

EX-10.2

from 8-K 7 pages Certain Identified Information Has Been Excluded From the Exhibit Because It Is (I) Not Material and (II) Is the Type That the Registrant Treats as Private or Confidential. Redacted Information Is Marked With a [***]

12/34/56

EX-10.1

from 8-K 16 pages Transition Agreement and Release

12/34/56

EX-10.6

from 10-Q 4 pages April 4th, 2026 Re: Office of CEO Employment Terms Dear Kate,

12/34/56

EX-10.5

from 10-Q 4 pages April 4th, 2026 Re: Office of CEO Employment Terms Dear Gaurav,

12/34/56

EX-10.3

from 8-K 14 pages Oportun Financial Corporation Performance-Based Rsu Award Grant Notice

12/34/56

EX-10.2

from 8-K 39 pages Oportun Financial Corporation Amended and Restated 2021 Inducement Equity Incentive Plan

12/34/56

EX-10.1

from 8-K 8 pages Certain Identified Information Has Been Excluded From the Exhibit Because It Is (I) Not Material and (II) Is the Type That the Registrant Treats as Private or Confidential. Redacted Information Is Marked With a [***]

12/34/56

EX-10.1

from 8-K 16 pages Transition Agreement and Release

12/34/56

EX-10.4

from 10-Q 147 pages Exhibits A-M and Schedules 1-2 Have Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K Oportun Issuance Trust 2025-C, as Issuer and Wilmington Trust, National Association, as Indenture Trustee, as Securities Intermediary and as Depositary Bank Indenture Dated as of August 21, 2025 4.49% Asset Backed Fixed Rate Notes, Class a 4.93% Asset Backed Fixed Rate Notes, Class B 5.18% Asset Backed Fixed Rate Notes, Class C 5.91% Asset Backed Fixed Rate Notes, Class D 9.20% Asset Backed Fixed Rate Notes, Class E

12/34/56

EX-10.3

from 10-Q 8 pages Certain Information Contained in This Exhibit, Marked by [***], Has Been Excluded From This Exhibit Because the Registrant Has Determined That It Is Both Not Material and Is the Type That the Registrant Treats as Private or Confidential. First Amendment to the Amended and Restated Program Agreement

12/34/56

EX-10.2

from 10-Q 66 pages Certain Information Contained in This Exhibit, Marked by [***], Has Been Excluded From This Exhibit Because the Registrant Has Determined That It Is Both Not Material and Is the Type That the Registrant Treats as Private or Confidential. Exhibits A-O to This Exhibit Have Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K. Amended and Restated Program Agreement by and Between Pathward, National Association, and Oportun, Inc. Dated as of August 11, 2025

12/34/56

EX-10.6

from 10-Q 149 pages Exhibits A-N and Schedules 1-2 Have Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K. Oportun Issuance Trust 2025-B, as Issuer and Wilmington Trust, National Association, as Indenture Trustee, as Securities Intermediary and as Depositary Bank Indenture Dated as of June 5, 2025 4.88% Asset Backed Fixed Rate Notes, Class a 5.28% Asset Backed Fixed Rate Notes, Class B 5.52% Asset Backed Fixed Rate Notes, Class C 6.45% Asset Backed Fixed Rate Notes, Class D 9.40% Asset Backed Fixed Rate Notes, Class E 1

12/34/56

EX-10.5

from 10-Q 15 pages Certain Information Identified With Brackets [***] Has Been Excluded From This Exhibit Because Such Information Is Both (I) Not Material and (II) Competitively Harmful if Publicly Disclosed. Exhibits B-F to This Exhibit Has Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K. Oportun Plw II Trust Master Amendment to Transaction Documents

12/34/56

EX-10.4

from 10-Q 15 pages Certain Information Identified With Brackets [***] Has Been Excluded From This Exhibit Because Such Information Is Both (I) Not Material and (II) Competitively Harmful if Publicly Disclosed. Exhibits B-F to This Exhibit Has Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K. Oportun Plw Trust Master Amendment to Transaction Documents

12/34/56

EX-10.3

from 10-Q 15 pages Oportun Financial Corporation Performance-Based Rsu Award Grant Notice

12/34/56

EX-10.1

from 8-K 19 pages This Letter (This “Agreement”) Constitutes the Agreement Between (A) Oportun Financial Corporation (“Company”) and (B) Findell Capital Management LLC (“Findell”) and Each of the Other Related Persons (As Defined Below) Set Forth on the Signature Pages to This Agreement (Each, a “Findell Signatory,” And, Collectively, the “Findell Signatories”). Company and the Findell Signatories Are Collectively Referred to as the “Parties.” the Findell Signatories and Each Affiliate (As Defined Below) and Associate (As Defined Below) of Each Findell Signatory Are Collectively Referred to as the “Findell Group.” 1. Board Matters

12/34/56

EX-10.27

from 10-K 148 pages Exhibits A-N and Schedules 1-2 Have Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K. Oportun Issuance Trust 2025-A, as Issuer and Wilmington Trust, National Association, as Indenture Trustee, as Securities Intermediary and as Depositary Bank Indenture Dated as of January 16, 2025 5.01% Asset Backed Fixed Rate Notes, Class a 5.30% Asset Backed Fixed Rate Notes, Class B 5.89% Asset Backed Fixed Rate Notes, Class C 7.25% Asset Backed Fixed Rate Notes, Class D 10.00% Asset Backed Fixed Rate Notes, Class E [Indenture (Oportun 2025-A)]

12/34/56

EX-10.14-10

from 10-K 13 pages Exhibits B-F to This Exhibit Have Been Omitted Pursuant to Item 601(a)(5) of Regulation S-K Oportun Plw Trust Master Amendment to Transaction Documents

12/34/56