<SEC-DOCUMENT>0001538716-21-000232.txt : 20211103
<SEC-HEADER>0001538716-21-000232.hdr.sgml : 20211103
<ACCEPTANCE-DATETIME>20211103161857
ACCESSION NUMBER:		0001538716-21-000232
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20211103
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20211103
DATE AS OF CHANGE:		20211103

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Oportun Financial Corp
		CENTRAL INDEX KEY:			0001538716
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		IRS NUMBER:				453361983
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-39050
		FILM NUMBER:		211375661

	BUSINESS ADDRESS:	
		STREET 1:		2 CIRCLE STAR WAY
		CITY:			SAN CARLOS
		STATE:			CA
		ZIP:			94070
		BUSINESS PHONE:		(650) 810-8823

	MAIL ADDRESS:	
		STREET 1:		2 CIRCLE STAR WAY
		CITY:			SAN CARLOS
		STATE:			CA
		ZIP:			94070

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Progreso Financiero Holdings, Inc.
		DATE OF NAME CHANGE:	20120104
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>oprt-20211103.htm
<DESCRIPTION>8-K
<TEXT>
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<title>oprt-20211103</title></head><body><div style="display:none"><ix:header><ix:hidden><ix:nonNumeric contextRef="ib40711298a4e420f9cfd849a2f808c9f_D20200914-20200914" name="dei:EntityCentralIndexKey" id="id3VybDovL2RvY3MudjEvZG9jOmJhNGUwYjhlOGZlZjRiZGY5NDBjYzM0ODAzZWI2NzQwL3NlYzpiYTRlMGI4ZThmZWY0YmRmOTQwY2MzNDgwM2ViNjc0MF80L2ZyYWc6YTVmMmE5MDQzZDZhNGZmZjlkOTU5MjVjNDFiZDRlNWQvdGFibGU6NzMxYjU0YWRlYzYzNGU3OTllOWQ2NjQxY2QwMjg1YzIvdGFibGVyYW5nZTo3MzFiNTRhZGVjNjM0ZTc5OWU5ZDY2NDFjZDAyODVjMl8xLTEtMS0xLTE4Njc_06c0ff78-aace-4bed-acfa-a15cb958d2cc">0001538716</ix:nonNumeric><ix:nonNumeric contextRef="ib40711298a4e420f9cfd849a2f808c9f_D20200914-20200914" format="ixt-sec:boolballotbox" name="dei:AmendmentFlag" 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scheme="http://www.sec.gov/CIK">0001538716</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2021-11-03</xbrli:startDate><xbrli:endDate>2021-11-03</xbrli:endDate></xbrli:period></xbrli:context></ix:resources></ix:header></div><div id="iba4e0b8e8fef4bdf940cc34803eb6740_1"></div><div style="min-height:36pt;width:100%"><div style="text-align:center"><span><br/></span></div></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:5pt"><td colspan="3" style="border-bottom:2pt solid #000000;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:120%">UNITED STATES</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:120%">SECURITIES AND EXCHANGE COMMISSION</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Washington, D.C. 20549</span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:120%">FORM <ix:nonNumeric contextRef="ib40711298a4e420f9cfd849a2f808c9f_D20200914-20200914" name="dei:DocumentType" id="id3VybDovL2RvY3MudjEvZG9jOmJhNGUwYjhlOGZlZjRiZGY5NDBjYzM0ODAzZWI2NzQwL3NlYzpiYTRlMGI4ZThmZWY0YmRmOTQwY2MzNDgwM2ViNjc0MF8xL2ZyYWc6MGYzMGU5YzkyMjgxNDkwZWIyZjMyOTJlNWIwZTljODUvdGV4dHJlZ2lvbjowZjMwZTljOTIyODE0OTBlYjJmMzI5MmU1YjBlOWM4NV8xNTc2_ea3b73dc-f02f-4a91-aa55-f56ab08b4cb4">8-K</ix:nonNumeric></span></div><div 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Employer Identification No.</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="ib40711298a4e420f9cfd849a2f808c9f_D20200914-20200914" name="dei:EntityAddressAddressLine1" id="id3VybDovL2RvY3MudjEvZG9jOmJhNGUwYjhlOGZlZjRiZGY5NDBjYzM0ODAzZWI2NzQwL3NlYzpiYTRlMGI4ZThmZWY0YmRmOTQwY2MzNDgwM2ViNjc0MF8xL2ZyYWc6MGYzMGU5YzkyMjgxNDkwZWIyZjMyOTJlNWIwZTljODUvdGFibGU6NjFhNjQwODgyOWI0NDZjNjgwNmJmYmFiMzE2MjU5YzkvdGFibGVyYW5nZTo2MWE2NDA4ODI5YjQ0NmM2ODA2YmZiYWIzMTYyNTljOV8zLTAtMS0xLTE4Njc_dec951b5-473c-45d1-97a6-078ecfd74f96">2 Circle Star Way</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"></td><td 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contextRef="ib40711298a4e420f9cfd849a2f808c9f_D20200914-20200914" name="dei:EntityAddressStateOrProvince" id="id3VybDovL2RvY3MudjEvZG9jOmJhNGUwYjhlOGZlZjRiZGY5NDBjYzM0ODAzZWI2NzQwL3NlYzpiYTRlMGI4ZThmZWY0YmRmOTQwY2MzNDgwM2ViNjc0MF8xL2ZyYWc6MGYzMGU5YzkyMjgxNDkwZWIyZjMyOTJlNWIwZTljODUvdGFibGU6NjFhNjQwODgyOWI0NDZjNjgwNmJmYmFiMzE2MjU5YzkvdGFibGVyYW5nZTo2MWE2NDA4ODI5YjQ0NmM2ODA2YmZiYWIzMTYyNTljOV80LTEtMS0xLTE4Njc_b766d0f8-58bd-4ba7-8d96-9fdcbc321639">CA</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="ib40711298a4e420f9cfd849a2f808c9f_D20200914-20200914" name="dei:EntityAddressPostalZipCode" id="id3VybDovL2RvY3MudjEvZG9jOmJhNGUwYjhlOGZlZjRiZGY5NDBjYzM0ODAzZWI2NzQwL3NlYzpiYTRlMGI4ZThmZWY0YmRmOTQwY2MzNDgwM2ViNjc0MF8xL2ZyYWc6MGYzMGU5YzkyMjgxNDkwZWIyZjMyOTJlNWIwZTljODUvdGFibGU6NjFhNjQwODgyOWI0NDZjNjgwNmJmYmFiMzE2MjU5YzkvdGFibGVyYW5nZTo2MWE2NDA4ODI5YjQ0NmM2ODA2YmZiYWIzMTYyNTljOV80LTMtMS0xLTE4Njc_59ca8581-9278-469f-a505-4b075b1f0f47">94070</ix:nonNumeric></span></td></tr><tr><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Address of Principal Executive Offices</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Zip Code</span></td></tr></table></div><div style="margin-top:6pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline">(</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline"><ix:nonNumeric contextRef="ib40711298a4e420f9cfd849a2f808c9f_D20200914-20200914" name="dei:CityAreaCode" id="id3VybDovL2RvY3MudjEvZG9jOmJhNGUwYjhlOGZlZjRiZGY5NDBjYzM0ODAzZWI2NzQwL3NlYzpiYTRlMGI4ZThmZWY0YmRmOTQwY2MzNDgwM2ViNjc0MF8xL2ZyYWc6MGYzMGU5YzkyMjgxNDkwZWIyZjMyOTJlNWIwZTljODUvdGV4dHJlZ2lvbjowZjMwZTljOTIyODE0OTBlYjJmMzI5MmU1YjBlOWM4NV8zNTE_55901b45-9245-4a53-bd7f-06fd5ad32cee">650</ix:nonNumeric></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:underline">) </span><span style="color:#000000;font-family:'Times New 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id="id3VybDovL2RvY3MudjEvZG9jOmJhNGUwYjhlOGZlZjRiZGY5NDBjYzM0ODAzZWI2NzQwL3NlYzpiYTRlMGI4ZThmZWY0YmRmOTQwY2MzNDgwM2ViNjc0MF8xL2ZyYWc6MGYzMGU5YzkyMjgxNDkwZWIyZjMyOTJlNWIwZTljODUvdGFibGU6Yzc3ZTk2MjMyM2EwNDljNDk2ZTAwMDQ5MmRhYjU2ZTgvdGFibGVyYW5nZTpjNzdlOTYyMzIzYTA0OWM0OTZlMDAwNDkyZGFiNTZlOF8xLTAtMS0xLTE4Njc_c22b79ff-cefa-4a00-942d-b091b6a3f4ee">Common Stock, $0.0001 par value per share</ix:nonNumeric></span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="ib40711298a4e420f9cfd849a2f808c9f_D20200914-20200914" name="dei:TradingSymbol" 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1pt"></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div></div></div><div id="iba4e0b8e8fef4bdf940cc34803eb6740_13"></div><hr style="page-break-after:always"/><div style="min-height:36pt;width:100%"><div style="text-align:center"><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%;text-decoration:underline">Item 2.02.  Results of Operations and Financial Condition</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">On&#160;November 3, 2021, Oportun Financial Corporation (the &#8220;Company&#8221;) issued a press release regarding the Company&#8217;s financial results for its fiscal quarter ended&#160;September 30, 2021. A copy of the Company&#8217;s press release is furnished as Exhibit 99.1 to this report. </span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The information in this report, including Exhibit 99.1 attached hereto, shall not be treated as &#8220;filed&#8221; for purposes of Section&#160;18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933 or the Securities Exchange Act of 1934 regardless of any general incorporation language in such filing, except as expressly stated by specific reference in such filing.</span></div><div><span><br/></span></div><div id="iba4e0b8e8fef4bdf940cc34803eb6740_34"></div><div style="-sec-extract:summary"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%;text-decoration:underline">Item 9.01.  Financial Statements and Exhibits</span></div><div><span><br/></span></div><div style="margin-bottom:6pt;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">(d) Exhibits</span></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:522.00pt"><tr><td style="width:1.0pt"></td><td style="width:67.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:450.25pt"></td><td style="width:1.0pt"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Exhibit Number</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">99.1</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline" href="earningsreleaseq32021.htm">Press Release dated November 3, 2021</a></span></div></td></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">104</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cover Page Interactive Data File embedded within the Inline XBRL document</span></td></tr></table></div><div><span><br/></span></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div></div></div><div id="iba4e0b8e8fef4bdf940cc34803eb6740_37"></div><hr style="page-break-after:always"/><div style="min-height:36pt;width:100%"><div style="text-align:center"><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SIGNATURE </span></div><div><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.722%"><tr><td style="width:1.0%"></td><td style="width:4.765%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:43.034%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.765%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:43.036%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">OPORTUN FINANCIAL CORPORATION</span></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(Registrant)</span></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Date:</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">November 3, 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">By:</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">/s/ Jonathan Coblentz</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Jonathan Coblentz</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Chief Financial Officer and Chief Administrative Officer</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(Principal Financial and Accounting Officer)</span></td></tr></table></div><div><span><br/></span></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div></div></div></body></html>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>earningsreleaseq32021.htm
<DESCRIPTION>EX-99.1
<TEXT>
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<title>Document</title></head><body><div id="ic0569fb6d80c486f9cd007c8ea517c60_1"></div><div style="min-height:36pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:9pt;text-align:center"><img alt="image2.jpg" src="image2.jpg" style="height:57px;margin-bottom:5pt;vertical-align:text-bottom;width:264px"></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#52c300;font-family:'Arial',sans-serif;font-size:14pt;font-weight:700;line-height:120%">Oportun Reports Third Quarter 2021 Financial Results</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">Aggregate originations growth of 119% year-over-year</font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">Diluted and Adjusted EPS of $0.75 and $0.78, respectively</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%"> </font></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:8pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:125%">SAN CARLOS, CA &#8211; November&#160;3, 2021 &#8211; Oportun Financial Corporation (Nasdaq&#58; OPRT) (&#8220;Oportun&#8221; and the &#34;Company&#34;) today reported financial results for the third quarter ended September 30, 2021. </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:125%">&#8220;We delivered another excellent quarter, as we accelerated our growth in aggregate originations, revenue and earnings, maintained our strong credit profile and outperformed our forecast across the board,&#34; said Raul Vazquez, CEO of Oportun. &#34;Our A.I.-driven digital platform now extends to 45 states, and we are delivering robust production through all our channels and partners. We are making excellent progress with our strategic initiatives, and are well positioned to continue making a significant and positive impact on the financial lives of our customers for years to come.&#34;</font></div><div style="margin-bottom:9pt;margin-top:6pt;text-align:justify"><font style="color:#52c300;font-family:'Arial',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline">Third Quarter 2021 Results</font></div><div style="margin-top:9pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:51.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:2.577%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.013%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#f2f2f2;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Metric</font></td><td colspan="6" style="background-color:#f2f2f2;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">GAAP</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="background-color:#f2f2f2;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Adjusted</font><font style="color:#424242;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:700;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">1</font></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">3Q21</font></td><td colspan="3" style="background-color:#f2f2f2;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">3Q20</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">3Q21</font></td><td colspan="3" style="background-color:#f2f2f2;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">3Q20</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total revenue</font></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$159.1</font></td><td colspan="3" style="background-color:#f2f2f2;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$136.8</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$159.1</font></td><td colspan="3" style="background-color:#f2f2f2;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$136.8</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #acacac;padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income (loss)</font></td><td colspan="3" style="border-top:0.5pt solid #acacac;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$23.0</font></td><td colspan="3" style="background-color:#f2f2f2;border-top:0.5pt solid #acacac;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$(6.0)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #acacac;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$23.8</font></td><td colspan="3" style="background-color:#f2f2f2;border-top:0.5pt solid #acacac;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$4.2</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #acacac;padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Diluted earnings (loss) per share</font></td><td colspan="3" style="border-top:0.5pt solid #acacac;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$0.75</font></td><td colspan="3" style="background-color:#f2f2f2;border-top:0.5pt solid #acacac;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$(0.22)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #acacac;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$0.78</font></td><td colspan="3" style="background-color:#f2f2f2;border-top:0.5pt solid #acacac;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$0.15</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #acacac;padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted EBITDA</font></td><td colspan="3" style="border-top:0.5pt solid #acacac;padding:0 1pt"></td><td colspan="3" style="background-color:#f2f2f2;border-top:0.5pt solid #acacac;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #acacac;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$18.1</font></td><td colspan="3" style="background-color:#f2f2f2;border-top:0.5pt solid #acacac;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$(1.2)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Dollars in millions, except per share amounts. </font></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="margin-top:4pt;text-align:justify"><font><br></font></div><div style="margin-top:4pt;text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Business Highlights</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:3pt;padding-left:9pt;text-align:justify;text-indent:-9pt"><font style="color:#616366;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#9702;</font><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:4.75pt">Aggregate Originations were $662 million, up 119% year-over-year</font></div><div style="margin-bottom:3pt;padding-left:9pt;text-align:justify;text-indent:-9pt"><font style="color:#616366;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#9702;</font><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:4.75pt">Managed Principal Balance at End of Period was $2.15 billion, up 17% year-over-year</font></div><div style="margin-bottom:3pt;padding-left:9pt;text-align:justify;text-indent:-9pt"><font style="color:#616366;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#9702;</font><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:4.75pt">Active Customers were 772,361, up 24% year-over-year</font></div><div style="margin-bottom:3pt;padding-left:9pt;text-align:justify;text-indent:-9pt"><font style="color:#616366;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#9702;</font><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:4.75pt">30+ Day Delinquency Rate of 2.8% as compared to 3.5% for the prior-year period</font></div><div style="margin-bottom:3pt;padding-left:9pt;text-align:justify;text-indent:-9pt"><font style="color:#616366;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#9702;</font><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:4.75pt">Annualized Net Charge-Off Rate of 5.5% as compared to 10.4% for the prior-year period</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </font></div><div style="margin-bottom:3pt;text-align:justify;text-indent:9pt"><font><br></font></div><div style="text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:174%">Financial and Operating Results</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:5pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:149%">Previously, in order to facilitate useful measures for period-to-period comparisons of its business, the Company provided unaudited financial information on a GAAP basis as well as a Fair Value Pro Forma (&#34;FVPF&#34;) adjusted basis to reflect the Company's performance as if the fair value option had been elected since inception for all loans originated and held for investment and all asset-backed notes issued. As of January 1, 2021, the FVPF adjustments are no longer necessary because all loans originated and held for investment and all asset-backed notes issued are recorded at fair value. All figures are as of September 30, 2021, unless otherwise noted.</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">1</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"> </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">See the section entitled &#8220;About Non-GAAP Financial Measures&#8221; for an explanation of non-GAAP measures, and the table entitled &#8220;Reconciliation of Non-GAAP Financial Measures&#8221; for a reconciliation of non-GAAP to GAAP measures. GAAP and Adjusted total revenue are the same for 2021 and 2020.</font></div></td></tr></table></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1</font></div></div></div><div id="ic0569fb6d80c486f9cd007c8ea517c60_7"></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div><font><br></font></div></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%;text-decoration:underline">Financial Results</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:149%">Revenue</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:149%"> &#8211; Total revenue for the third quarter was $159.1 million, an increase of 16% as compared to $136.8&#160;million in the prior-year quarter. The increase was primarily driven by higher interest income attributable to the Company's higher Average Daily Principal Balance due to growth in the underlying portfolio as a result of increased origination volume. Net revenue for the third quarter was $139.5 million, an increase of 51.1% as compared to FVPF Net Revenue of $92.4 million in the prior-year quarter. Net revenue improved from the prior-year quarter due to higher revenue, lower interest expense and lower charge-offs.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:149%">Operating Expenses </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:149%">&#8211;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:149%">  </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:149%">For the third quarter, total operating expense was $111.4 million, as compared to $101.6 million in the prior-year quarter. Operating expense in the Company's unsecured personal loan business, excluding certain non-recurring charges and investment in new products, increased 10% year-over-year to $96.7&#160;million, primarily driven by its increased investment in marketing to drive growth and initiatives to further enhance our technology. Operating expenses associated with new products grew year-over-year by $10.4 million to $14.6 million. </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:149%">Net Income (Loss) and Adjusted Net Income (Loss)</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:149%"> &#8211; Net income was $23.0 million, as compared to a net loss of $6.0 million in the prior-year quarter. Adjusted Net Income was $23.8 million as compared to $4.2 million&#160;in the prior-year quarter. The increases in net income and Adjusted Net Income are attributable to increased revenues and improved current period charge-offs, among the lowest in the company's history, which increased the value of the Company's loan portfolio.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:149%">Earnings (Loss) Per Share and Adjusted EPS </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:149%">&#8211; GAAP earnings per share, basic and diluted, were $0.82 and $0.75, respectively, for the three months ended September 30, 2021. GAAP earnings (loss) per share, basic and diluted, were both $(0.22) in the prior-year quarter. Adjusted Earnings Per Share was $0.78 as compared to $0.15 in the prior-year quarter.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:149%">Adjusted EBITDA</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:149%"> &#8211; Adjusted EBITDA was $18.1 million, up from $(1.2) million&#160;in the prior-year quarter. The Company believes that Adjusted EBITDA is a useful metric because it is a proxy for Oportun's pre-tax cash profitability. In addition to adding back taxes, depreciation and amortization, stock-based compensation and certain non-recurring charges, Adjusted EBITDA also excludes the non-cash impact of fair value accounting. </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:149%;text-decoration:underline">Growth Trends<br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:149%">Originations</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:149%"> &#8211; Aggregate Originations for the third quarter were $662.1 million, as compared to $302.4 million in the prior-year quarter. This 119.0% increase was primarily driven by growth in loan application volume due to higher demand.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:149%">Active Customers</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:149%"> &#8211; Active customers for the third quarter were 772,361, a 24% increase as compared to 624,205 in the prior-year quarter. This increase was primarily driven by growth from digital marketing, direct mail and customer referral programs, and we have seen active customers continue to grow to 813,536 as of October 31, 2021.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:149%;text-decoration:underline">Credit and Operating Metrics</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:149%">Net Charge-Off Rate</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:149%"> &#8211; The Annualized Net Charge-Off Rate for the quarter was 5.5%, compared to 10.4% for the prior-year quarter. The improved current period charge-offs are at historically low levels.</font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:149%">30+ Day Delinquency Rate</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:149%"> &#8211; The Company's 30+ Day Delinquency Rate was 2.8% at the end of the quarter, compared to 3.5% at the end of the prior-year quarter. The improvement was due to the effectiveness of the Company's A.I.-driven underwriting, as well as overall economic recovery.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:149%">Operating Efficiency and Adjusted Operating Efficiency</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:149%">&#160;&#8211; Operating Efficiency for the quarter was 70.0% as compared to 74.3% in the prior-year quarter.&#160;Adjusted Operating Efficiency for the third quarter was 67.1%, as compared to 63.3% in the prior-year quarter. Operating Efficiency and Adjusted Operating Efficiency reflected the Company's investments in new products. Adjusted Operating Efficiency excludes stock-based compensation expense and the Company's retail network optimization expenses.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:149%">Return On Equity (&#34;ROE&#34;) and Adjusted ROE</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:149%">&#160;&#8211; ROE for the quarter was 18.3%, as compared to (5.3)% in the prior-year quarter.&#160;&#160;Adjusted ROE for the quarter was 19.0%, as compared to 3.7% in the prior-year quarter.</font></div><div style="text-align:justify"><font><br></font></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div><font><br></font></div></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:149%;text-decoration:underline">New Products</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:149%">Secured personal loans</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:149%"> &#8211; As of September 30, 2021, the Company had a secured personal loan receivables balance of $29.6 million, up from $0.3 million at the end of the third quarter 2020, and up 113% quarter-over-quarter.  </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:149%">Credit card receivables </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:149%">&#8211; As of September 30, 2021, the Company was servicing $38.2 million in credit card receivables, an increase of 1,094% over the prior-year quarter and nearly double the amount of receivables, sequentially. As of October 31, 2021, we had 94,705 active customer accounts in 45 states across the U.S.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:149%;text-decoration:underline">Funding and Liquidity</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:149%">As of September 30, 2021, total cash was $223.8 million, consisting of cash and cash equivalents of $168.4 million and restricted cash of $55.3 million. Cost of Debt and Debt-to-Equity were 2.8% and 3.3x, respectively, for and at the end of the third quarter 2021 as compared to FVPF Cost of Debt and FVPF Debt-to-Equity of 3.9% and 2.9x, respectively, for and at the end of the prior-year quarter. As of September 30, 2021, the Company had $71.0 million of undrawn capacity on its existing $600.0 million warehouse line&#59; as of October 31, 2021, undrawn capacity was $534.0 million, the increase attributable to the issuance of the Company's 2021-C asset-backed notes. The Company's warehouse line is committed through September 2024. </font></div><div style="text-align:justify"><font><br></font></div><div style="padding-left:9pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:149%">&#8226;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:149%;padding-left:5.85pt">On September 8, 2021, the Company closed on a Personal Loan Warehouse facility (&#34;PLW&#34;) that provides $600.0 million of committed funding through September 2024. The Personal Loan Warehouse provides funding for both the Company's unsecured personal loans and secured personal loans. On the closing date, the Company drew on the warehouse facility to redeem $175.0 million of the Company's outstanding Series 2018-D Notes.</font></div><div style="text-align:justify;text-indent:9pt"><font><br></font></div><div style="padding-left:9pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:149%">&#8226;</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:149%;padding-left:5.85pt">On October 28, 2021, the Company announced the issuance of $500.0 million of 3-year fixed-rate asset-backed notes by Oportun Issuance Trust 2021-C secured by a pool of its unsecured and secured personal installment loans. The transaction was priced with a weighted average fixed interest rate of 2.48% per annum.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div><div id="ic0569fb6d80c486f9cd007c8ea517c60_13"></div><div style="text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:174%">Financial Outlook for Fourth Quarter and Full Year 2021</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:5pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div style="text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Oportun is providing the following guidance for 4Q 2021 and full year 2021 as follows&#58;</font></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:41.677%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.205%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.566%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:25.152%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">4Q 2021</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Full Year 2021</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Aggregate Originations</font></td><td colspan="3" style="border-top:1pt solid #70ad47;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$800 M</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #70ad47;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$2.23 B</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Revenue</font></td><td colspan="3" style="border-top:1pt solid #70ad47;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$183 - $185 M</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #70ad47;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$616 - $618 M</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted EBITDA</font></td><td colspan="3" style="border-top:1pt solid #70ad47;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$8 - $10 M</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #70ad47;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$31 - $33 M</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted Net Income</font></td><td colspan="3" style="border-top:1pt solid #70ad47;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$20 - $22 M</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #70ad47;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$73 - $75 M</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted EPS </font><font style="color:#424242;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</font></div></td><td colspan="3" style="border-top:1pt solid #70ad47;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$0.66 - $0.73</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #70ad47;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$2.42 - $2.49</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Annualized Net Charge-Off Rate</font></td><td colspan="3" style="border-bottom:1pt solid #70ad47;border-top:1pt solid #70ad47;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.3% +&#47;- 10 bps</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #70ad47;border-top:1pt solid #70ad47;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.1% +&#47;- 10 bps</font></td></tr></table></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.900%"></td><td style="width:0.1%"></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:700;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">1</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"> </font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Based on 30,299,798 shares outstanding for 4Q 2021 and 30,025,315 shares outstanding for Full Year 2021.</font></div></td></tr></table></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3</font></div></div></div><div id="ic0569fb6d80c486f9cd007c8ea517c60_16"></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div><font><br></font></div></div><div style="text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:174%">Conference Call</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div style="text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:115%">As previously announced, Oportun&#8217;s management will host a conference call to discuss third quarter 2021 results at 5&#58;00&#160;p.m. ET (2&#58;00 p.m. PT) today. The dial-in number for the conference call is 877-407-9208 (toll-free) or 201-493-6784 (international). Participants should call in 10 minutes prior to the scheduled start time. A live webcast of the call will be accessible from the Investor Relations page of Oportun's website at https&#58;&#47;&#47;investor.oportun.com. Both the call and webcast are open to the general public. For those unable to listen to the live broadcast, a webcast replay of the call will be available at https&#58;&#47;&#47;investor.oportun.com for one year. An investor presentation that includes supplemental financial information and reconciliations of certain non-GAAP measures to their most directly comparable GAAP measures, will be available on the Investor Relations page of Oportun's website at https&#58;&#47;&#47;investor.oportun.com prior to the start of the conference call. </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:115%">About Non-GAAP Financial Measures</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div style="text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:110%">This press release presents information about the Company&#8217;s Adjusted Net Income (Loss), Adjusted EPS, Adjusted EBITDA, Adjusted Operating Efficiency, and Adjusted Return on Equity, which are non-GAAP financial measures provided as a supplement to the results provided in accordance with accounting principles generally accepted in the United States of America (&#8220;GAAP&#8221;). The Company believes these non-GAAP measures can be useful measures for period-to-period comparisons of its core business and provide useful information to investors and others in understanding and evaluating its operating results.  Non-GAAP financial measures are provided in addition to, and not as a substitute for, and are not superior to, financial measures calculated in accordance with GAAP. In addition, the non-GAAP measures the Company uses, as presented, may not be comparable to similar measures used by other companies. Reconciliations of non-GAAP to GAAP measures can be found below.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">About Oportun</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div style="text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Oportun (Nasdaq&#58; OPRT) is a financial services company that leverages its digital platform to provide responsible consumer credit to hardworking people. Using A.I.-driven models that are built on 15 years of proprietary customer insights and billions of unique data points, Oportun has extended more than $11.1 billion in affordable credit, providing its customers with alternatives to payday and auto title loans. In recognition of its responsibly designed products which help consumers build their credit history, Oportun has been certified as a Community Development Financial Institution (CDFI) since 2009. For more information visit oportun.com. </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Forward-Looking Statements</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div style="text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:110%">This press release contains forward-looking statements. All statements other than statements of historical fact contained in this press release, including statements as to future results of operations and financial position, achievement of our strategic priorities, and our fourth quarter and 2021 full year outlook. These statements involve known and unknown risks, uncertainties, assumptions and other factors that may cause Oportun&#8217;s actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by the forward-looking statements. You generally can identify these statements by terms such as &#8220;expect,&#8221; &#8220;plan,&#8221; &#8220;anticipate,&#8221; &#8220;project,&#8221; &#34;outlook,&#8221; &#8220;continue,&#8221; &#8220;may,&#8221; &#8220;believe,&#8221; or &#8220;estimate&#8221; and similar expressions or the negative versions of these words or comparable words, as well as future or conditional verbs such as &#8220;will,&#8221; &#8220;should,&#8221; &#8220;would,&#8221; &#8220;likely&#8221; and &#8220;could.&#8221; 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. Oportun has based these forward-looking statements largely on its current expectations and projections about future events and financial trends that it believes may affect its business, financial condition and results of operations. These risks and uncertainties include those risks described in Oportun's filings with the&#160;Securities and Exchange Commission, including Oportun's most recent annual report on Form 10-K and most recent quarterly report on Form 10-Q,&#160;and include, but are not limited to, the impact of COVID-19 on our business and the economy as a whole&#59; Oportun&#8217;s future financial performance, including aggregate originations&#59; trends in revenue, net revenue, operating expenses, and net income&#59; changes in market interest rates&#59; increases in loan delinquencies and charge-offs&#59; Oportun's ability to increase the volume of loans it makes&#59; Oportun&#8217;s ability to successfully offer loans in additional states&#59; and Oportun&#8217;s ability to compete successfully with other companies that are currently in, or may in the future enter, its industry. The forward-looking statements speak only as of the date on which they are made, and, except to the extent required by federal securities laws, Oportun disclaims any obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events. In light of these risks and uncertainties, there is no assurance that the events or results suggested by the forward-looking statements will in fact occur, and you should not place undue reliance on these forward-looking statements. </font></div><div style="text-align:justify"><font><br></font></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div><font><br></font></div></div><div style="text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:110%">Contacts</font></div><div style="margin-top:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div style="text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Investor Contact</font></div><div style="text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Nils Erdmann</font></div><div style="text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">650-810-9074</font></div><div><font style="color:#52c300;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:125%;text-decoration:underline">ir&#64;oportun.com</font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Media Contact</font></div><div style="text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Usher Lieberman</font></div><div style="text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">650-769-9414</font></div><div><font style="color:#52c300;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:125%;text-decoration:underline">usher.lieberman&#64;oportun.com</font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Oportun and the Oportun logo are registered trademarks of Oportun, Inc.</font></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5</font></div></div></div><div id="ic0569fb6d80c486f9cd007c8ea517c60_19"></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">CONSOLIDATED STATEMENTS OF OPERATIONS </font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">in millions, except share and per share data, unaudited</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">)</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:54.455%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.043%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Three Months Ended</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">September 30,</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="background-color:#ededed;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Nine Months Ended</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">September 30,</font></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</font></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Revenue</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Interest income</font></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">145.4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">128.7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">401.2&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">415.5&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Non-interest income</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">13.6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">8.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">31.4&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">27.4&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Total revenue</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">159.1</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">136.8</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">432.7</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">442.9</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Less&#58;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Interest expense</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">10.6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">13.4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">36.2&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">44.9&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Net decrease in fair value</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(9.0)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(29.6)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(26.5)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(177.6)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Net revenue</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">139.5</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">93.7</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">370.0</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">220.4</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Operating expenses&#58;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Technology and facilities</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">34.2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">31.6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">100.3&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">93.9&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Sales and marketing</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">32.1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">20.6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">79.7&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">65.5&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Personnel</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">29.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">26.7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">84.4&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">79.9&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Outsourcing and professional fees</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">13.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">11.5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">40.8&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">36.2&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">General, 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style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">17.6&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Total operating expenses</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">111.4</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">101.6</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">328.1</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">293.2</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Income (loss) before taxes</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">28.1</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(7.8)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">41.9</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(72.8)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Income tax expense (benefit)</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">5.1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(1.8)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">8.7&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(19.2)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Net income (loss)</font></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">23.0</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(6.0)</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">33.2</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(53.6)</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Diluted Earnings (Loss) per Common Share </font></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.75&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(0.22)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1.11&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(1.97)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Diluted Weighted Average Common Shares </font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">30,503,773&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">27,459,192&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">30,059,675&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">27,237,246&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div><font><br></font></div><div><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Note&#58; Numbers may not foot or cross-foot due to rounding.</font></div><div><font><br></font></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6</font></div></div></div><div id="ic0569fb6d80c486f9cd007c8ea517c60_22"></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">CONSOLIDATED BALANCE SHEETS </font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(in millions, unaudited)</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:72.788%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.983%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.985%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">September 30,</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">December 31,</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Assets</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Cash and cash equivalents</font></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">168.4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">136.2&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Restricted cash</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">55.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">32.4&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Loans receivable at fair value</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,971.4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,696.5&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Interest and fees receivable, net</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">16.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">15.4&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Right of use assets - operating</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">35.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">46.8&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Other assets</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">101.5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">81.7&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Total assets</font></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">2,347.9&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">2,009.1&#160;</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Liabilities and stockholders' equity</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Liabilities</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Secured financing</font></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">525.5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">246.4&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Asset-backed notes at fair value </font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,162.9&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,167.3&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Lease liabilities</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">43.5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">49.7&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Other liabilities</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">104.5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">79.3&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Total liabilities</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,836.5&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,542.7&#160;</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Stockholders' equity</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Common stock</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Common stock, additional paid-in capital</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">448.2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">436.5&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Accumulated other comprehensive loss</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(0.2)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(0.3)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Retained earnings</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">69.7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">36.4&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Treasury stock</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(6.3)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(6.3)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Total stockholders&#8217; equity</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">511.4&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">466.4&#160;</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Total liabilities and stockholders' equity</font></td><td colspan="3" style="padding:0 1pt"></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">2,347.9&#160;</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#ededed;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#ededed;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">2,009.1&#160;</font></td><td style="background-color:#ededed;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><font><br></font></div><div><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Note&#58; Numbers may not foot or cross-foot due to rounding.</font></div><div><font><br></font></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7</font></div></div></div><div id="ic0569fb6d80c486f9cd007c8ea517c60_25"></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS </font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(in millions, unaudited)</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:55.427%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.043%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Three Months Ended</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">September 30,</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="background-color:#ededed;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Nine Months Ended</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">September 30,</font></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</font></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Cash flows from operating activities</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Net income (loss)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">23.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(6.0)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">33.2&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(53.6)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Adjustments for non-cash items</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">14.6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">45.9&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">72.8&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">192.7&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Proceeds from sale of loans in excess of originations of loans sold and held for sale</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">6.2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">3.2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">15.6&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">13.1&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Changes in balances of operating assets and liabilities</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">3.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">2.4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(18.0)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(12.7)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Net cash provided by operating activities</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">47.1&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">45.4&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">103.7&#160;</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">139.4&#160;</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Cash flows from investing activities</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Net loan principal repayments (loan originations)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(249.0)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">31.6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(295.7)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">139.5&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Purchase of fixed assets, net of sales</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(0.7)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(0.4)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(2.6)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(3.6)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Capitalization of system development costs</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(6.9)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(5.4)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(18.5)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(16.5)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Net cash provided by (used in) investing activities</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(256.6)</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">25.8&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(316.7)</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">119.4&#160;</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Cash flows from financing activities</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Borrowings</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">745.2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">179.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,762.8&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">414.0&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Repayments</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(669.0)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(284.2)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(1,491.0)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(644.0)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Net stock-based activities</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(0.8)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(0.5)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(3.6)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(1.4)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Net cash provided by (used in) financing activities</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">75.3&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(105.7)</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">268.2&#160;</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(231.4)</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Net increase (decrease) in cash and cash equivalents and restricted cash</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(134.2)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(34.5)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">55.2&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">27.3&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Cash and cash equivalents and restricted cash beginning of period</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">358.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">198.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">168.6&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">136.1&#160;</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Cash and cash equivalents and restricted cash end of period</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">223.8&#160;</font></td><td style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">163.5&#160;</font></td><td style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#ededed;border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#ededed;border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">223.8&#160;</font></td><td style="background-color:#ededed;border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#ededed;border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">163.5&#160;</font></td><td style="background-color:#ededed;border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="text-align:center"><font><br></font></div><div><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Note&#58; Numbers may not foot or cross-foot due to rounding.</font></div><div style="padding-left:13.5pt;text-indent:-13.5pt"><font><br></font></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8</font></div></div></div><div id="ic0569fb6d80c486f9cd007c8ea517c60_28"></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">CONSOLIDATED KEY PERFORMANCE METRICS</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(unaudited)</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:54.455%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.043%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.37pt;padding-right:3.37pt;text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Three Months Ended</font></div><div style="padding-left:3.37pt;padding-right:3.37pt;text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">September 30,</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="background-color:#ededed;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Nine Months Ended</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">September 30,</font></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</font></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</font></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Aggregate Originations (Millions)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">662.1&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">302.4&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,430.4&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">892.8&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Active Customers (Actuals)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">772,361&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">624,205&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">772,361&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">624,205&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Customer Acquisition Costs (Actuals)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">152&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">207&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">166&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">223&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-top:0.1pt"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Managed Principal Balance at End of Period (Millions)</font></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">2,147.9&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,835.8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">2,147.9&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,835.8&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">30+ Day Delinquency Rate (%)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">2.8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">3.5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">2.8&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">3.5&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Annualized Net Charge-Off Rate (%)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">5.5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">10.4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">6.8&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">10.0&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Operating Efficiency (%)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">70.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">74.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">75.8&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">66.2&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Adjusted Operating Efficiency (%)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">67.1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">63.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">68.7&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">60.1&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Return on Equity (%)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">18.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(5.3)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">9.1&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(15.2)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Adjusted Return on Equity (%)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">19.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">3.7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">14.4&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(9.0)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">%</font></td></tr></table></div><div><font><br></font></div><div><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Note&#58; Numbers may not foot or cross-foot due to rounding.</font></div><div><font><br></font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">OTHER USEFUL METRICS</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(unaudited)</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><font><br></font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:54.455%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.043%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Three Months Ended</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">September 30,</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="background-color:#ededed;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Nine Months Ended</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">September 30,</font></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</font></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</font></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Number of loans originated (Actuals)</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">210,731&#160;</font></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">97,826&#160;</font></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">479,183&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">289,169&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Average Daily Principal Balance (Millions)</font></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,741.4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,598.1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,654.6&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,731.7&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-top:0.1pt"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Owned Principal Balance at End of Period (Millions)</font></div></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,862.1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,572.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,862.1&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,572.0&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div><font><br></font></div><div><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Note&#58; Numbers may not foot or cross-foot due to rounding.</font></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9</font></div></div></div><div id="ic0569fb6d80c486f9cd007c8ea517c60_31"></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">ABOUT NON-GAAP FINANCIAL MEASURES</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(unaudited)</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><font><br></font></div><div style="text-align:justify"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The press release dated November&#160;3, 2021 contains non-GAAP financial measures. The following tables reconcile the non-GAAP financial measures in that press release to the most directly comparable financial measures prepared in accordance with GAAP. These non-GAAP financial measures Adjusted EBITDA, Adjusted Net Income (Loss), Adjusted Operating Efficiency, Adjusted Return on Equity and Adjusted EPS.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Company believes that the provision of these non-GAAP financial measures can provide useful measures for period-to-period comparisons of Oportun's core business and useful information to investors and others in understanding and evaluating its operating results. However, non-GAAP financial measures are not calculated in accordance with GAAP and should not be considered as a substitute for, or superior to, measures of financial performance prepared in accordance with GAAP. These non-GAAP financial measures do not reflect a comprehensive system of accounting, differ from GAAP measures with the same names, and may differ from non-GAAP financial measures with the same or similar names that are used by other companies.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Fair Value Pro Forma</font></div><div style="text-align:justify"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">As of January 1, 2021, Oportun no longer has any Fair Value Pro Forma adjustments as there are no longer any amortized cost balances. However, there were Fair Value Pro Forma adjustments related to its asset-backed notes at amortized cost for the three and nine months ended September 30, 2020 as reflected in the following tables. Upon adoption of ASU 2019-05, effective January 1, 2020, the Company elected the fair value option on all remaining loans that had previously been measured at amortized cost. Accordingly, for the three and nine months ended September 30, 2021 and 2020, the Company did not have any loans receivable measured at amortized cost. Therefore, there are no Fair Value Pro Forma adjustments related to assets or revenue as of and for the three or nine months ended September 30, 2021 and 2020.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Adjusted EBITDA</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </font></div><div style="text-align:justify"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Company defines Adjusted EBITDA as net income (loss), adjusted for the impact of the Company's election of the fair value option and further adjusted to eliminate the effect of certain items as described below. The Company believes that Adjusted EBITDA is an important measure because it allows management, investors and its board of directors to evaluate and compare operating results, including return on capital and operating efficiencies, from period to period by making the adjustments described below. In addition, it provides a useful measure for period-to-period comparisons of Oportun's business, as it removes the effect of income taxes, certain non-cash items, variable charges and timing differences.</font></div><div style="padding-left:18pt;text-align:justify"><font><br></font></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.85pt">The Company believes it is useful to exclude the impact of income tax expense (benefit), as reported, because historically it has included irregular income tax items that do not reflect ongoing business operations. </font></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.85pt">The Company believes it is useful to exclude depreciation and amortization and stock-based compensation expense because they are non-cash charges.</font></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#595959;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.85pt">The Company excludes the impact of certain non-recurring charges, such as expenses associated with a litigation reserve, its retail network optimization plan and impairment charges, because it does not believe that these items reflect ongoing business operations. During the last three quarters of 2020 the Company excluded COVID-19 related expenses in its adjustments to derive Adjusted EBITDA. As of January 1, 2021, COVID-19 expenses are no longer being excluded from Adjusted EBITDA because the Company's business practices have been updated to operate in the current environment.</font></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.85pt">The Company also reverses origination fees for Fair Value Loans, net. The Company believes it is beneficial to exclude the uncollected portion of such origination fees, because such amounts do not represent cash received.</font></div><div style="margin-bottom:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.85pt">The Company also reverses the fair value mark-to-market adjustment because it is a non-cash adjustment.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Adjusted Net Income (Loss)</font></div><div style="text-align:justify"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Company defines Adjusted Net Income (Loss) as net income (loss) adjusted for the impact of the Company's election of the fair value option and further adjusted to eliminate the effect of certain items as described below. The Company believes that Adjusted Net Income is an important measure of operating performance because it allows management, investors, and Oportun's board of directors to evaluate and compare its operating results, including return on capital and operating efficiencies, from period to period, excluding the after-tax impact of non-cash, stock-based compensation expense and certain non-recurring charges.</font></div><div style="text-align:justify"><font><br></font></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.85pt">The Company believes it is useful to exclude the impact of income tax expense (benefit), as reported, because historically it has included irregular income tax items that do not reflect ongoing business operations. The Company also includes the impact of normalized income tax expense by applying a normalized statutory tax rate.</font></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#595959;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.85pt">The Company believes it is useful to exclude the impact of certain non-recurring charges, such as expenses associated with a litigation reserve, its retail network optimization plan and impairment charges, because it does not believe that these items reflect its ongoing business operations. During the last three quarters of 2020, the Company excluded COVID-19 related expenses in its adjustments to derive Adjusted Net Income. As of January 1, 2021, COVID-19 expenses are no longer being excluded from Adjusted Net Income because the Company's business practices have been updated to operate in the current environment.</font></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:14.85pt">The Company believes it is useful to exclude stock-based compensation expense because it is a non-cash charge.</font></div><div style="text-align:justify"><font><br></font></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div><font><br></font></div></div><div style="text-align:justify"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Adjusted Operating Efficiency</font></div><div style="text-align:justify"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Company defines Adjusted Operating Efficiency as total operating expenses adjusted to exclude stock-based compensation expense and certain non-recurring charges, such as a litigation reserve, retail network optimization expenses and impairment charges divided by total revenue. During the last three quarters of 2020 the Company included COVID-19 related expenses in its adjustments to derive Adjusted Operating Efficiency. As of January 1, 2021, COVID-19 expenses are no longer being excluded from Adjusted Operating Efficiency because the Company's business practices have been updated to operate in the current environment. The Company believes Adjusted Operating Efficiency is an important measure because it allows management, investors and Oportun's board of directors to evaluate how efficient the Company is at managing costs relative to revenue.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Adjusted Return on Equity</font></div><div style="text-align:justify"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Company defines Adjusted Return on Equity (&#8220;ROE&#8221;) as annualized Adjusted Net Income divided by average stockholders&#8217; equity. Average stockholders&#8217; equity is an average of the beginning and ending stockholders&#8217; equity balance for each period. Before January 1, 2021, the Company previously defined Adjusted Return on Equity as annualized Adjusted Net Income divided by average Fair Value Pro Forma total stockholders&#8217; equity. Average Fair Value Pro Forma stockholders&#8217; equity is an average of the beginning and ending Fair Value Pro Forma stockholders&#8217; equity balance for each period. The Company believes Adjusted ROE is an important measure because it allows management, investors and its Board to evaluate the profitability of the business in relation to equity and how well it generates income from the equity available. The Company believes Adjusted ROE is an important measure because it allows management, investors and Oportun's board of directors to evaluate the profitability of the business in relation to equity and how well the Company generates income from the equity available.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Adjusted EPS</font></div><div style="text-align:justify"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Company defines Adjusted EPS as Adjusted Net Income divided by weighted average diluted shares outstanding.</font></div><div style="text-align:justify"><font><br></font></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11</font></div></div></div><div id="ic0569fb6d80c486f9cd007c8ea517c60_34"></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">RECONCILIATION OF NON-GAAP FINANCIAL MEASURES</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(in millions, unaudited)</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div><font><br></font></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:46.677%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.983%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.983%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.983%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.986%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Three Months Ended September 30, 2021 </font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:700;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(1)</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="background-color:#eaeaea;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Three Months Ended September 30, 2020</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">As Reported</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">As Reported</font></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">FV Adjustments</font></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">FV Pro Forma</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Revenue&#58;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Interest income</font></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">145.4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">128.7&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">128.7&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Non-interest income</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">13.6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">8.0&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">8.0&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Total revenue</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">159.1</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">136.8</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">&#8212;</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">136.8</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Less&#58;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Interest expense</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">10.6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">13.4&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(0.2)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">13.2&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Provision (release) for loan losses</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Net decrease in fair value</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(9.0)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(29.6)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(1.6)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(31.2)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Net revenue</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">139.5</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">93.7</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(1.4)</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">92.4</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Operating expenses&#58;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Technology and facilities</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">34.2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">31.6&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">31.6&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Sales and marketing</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">32.1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">20.6&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">20.6&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Personnel</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">29.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">26.7&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">26.7&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Outsourcing and professional fees</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">13.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">11.5&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">11.5&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 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style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">11.1&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">11.1&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Total operating expenses</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">111.4</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 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style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">101.6</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Income (loss) before taxes</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">28.1</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(7.8)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(1.4)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(9.2)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Income tax expense (benefit)</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" 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1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(0.4)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(2.2)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Net income (loss)</font></td><td colspan="3" style="padding:0 1pt"></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">23.0</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(6.0)</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(1.0)</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(7.0)</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="padding-left:9pt;text-align:justify;text-indent:-9pt"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </font></div><div><font><br></font></div><div><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Note&#58; Numbers may not foot or cross-foot due to rounding.</font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div style="padding-left:9pt;text-align:justify;text-indent:-9pt"><font style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:120%;position:relative;top:-2.97pt;vertical-align:baseline">(1)</font><font style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%"> Beginning in 2021 the Company no longer includes any Fair Value Pro Forma adjustments because all loans originated and held for investment and asset-backed notes issued are recorded at fair value. Therefore, the three months ended September 30, 2021 is presented on a GAAP basis and the three months ended September 30, 2020 includes Fair Value Pro Forma adjustments related to its asset-backed notes at amortized cost.</font></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12</font></div></div></div><div id="ic0569fb6d80c486f9cd007c8ea517c60_37"></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">RECONCILIATION OF NON-GAAP FINANCIAL MEASURES</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(in millions, unaudited)</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.777%"><tr><td style="width:1.0%"></td><td style="width:50.397%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.847%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.828%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.847%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:9.828%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.847%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.426%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.847%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.833%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Nine Months Ended September 30, 2021 </font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:700;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(1)</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="15" style="background-color:#eaeaea;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Nine Months Ended September 30, 2020</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">As Reported</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">As Reported</font></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">FV Adjustments</font></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">FV<br>Pro Forma</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Revenue&#58;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Interest income</font></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">401.2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">415.5&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">415.5&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Non-interest income</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">31.4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">27.4&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">27.4&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Total revenue</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">432.7</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">442.9</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">&#8212;</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">442.9</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Less&#58;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Interest expense</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">36.2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">44.9&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(0.9)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">44.0&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Provision (release) for loan losses</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Net decrease in fair value</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(26.5)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(177.6)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.7&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(176.9)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Net revenue</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">370.0</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">220.4</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">1.6</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">222.0</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Operating expenses&#58;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Technology and facilities</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">100.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">93.9&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">93.9&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Sales and marketing</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">79.7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">65.5&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">65.5&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Personnel</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">84.4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">79.9&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">79.9&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Outsourcing and professional fees</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">40.8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">36.2&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">36.2&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">General, administrative and other</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">22.9&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">17.6&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">17.6&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Total operating expenses</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">328.1</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">293.2</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">&#8212;</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">293.2</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Income (loss) before taxes</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">41.9</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(72.8)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">1.6</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(71.2)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Income tax expense (benefit)</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">8.7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(19.2)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.7&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(18.5)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Net income (loss)</font></td><td colspan="3" style="padding:0 1pt"></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">33.2</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(53.6)</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">0.9</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(52.7)</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="text-align:center"><font><br></font></div><div><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Note&#58; Numbers may not foot or cross-foot due to rounding.</font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div style="padding-left:9pt;text-align:justify;text-indent:-9pt"><font style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:120%;position:relative;top:-2.97pt;vertical-align:baseline">(1)</font><font style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%"> Beginning in 2021 the Company no longer includes any Fair Value Pro Forma adjustments because all loans originated and held for investment and asset-backed notes issued are recorded at fair value. Therefore, the nine months ended September 30, 2021 is presented on a GAAP basis and the nine months ended September 30, 2020 includes Fair Value Pro Forma adjustments related to its asset-backed notes at amortized cost.</font></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">13</font></div></div></div><div id="ic0569fb6d80c486f9cd007c8ea517c60_40"></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">RECONCILIATION OF NON-GAAP FINANCIAL MEASURES</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(in millions, unaudited)</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.861%"><tr><td style="width:1.0%"></td><td style="width:45.492%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.773%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.112%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:0.773%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.000%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.773%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.000%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.773%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.004%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">September 30, 2021</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:700;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline"> (1)</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="background-color:#eaeaea;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">September 30, 2020</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">As Reported</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">As Reported</font></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">FV Adjustments</font></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">FV Pro Forma</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Assets</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Cash and cash equivalents</font></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">168.4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">109.7&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">109.7&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Restricted cash</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">55.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">53.8&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">53.8&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Loans receivable</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,971.4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,605.4&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,605.4&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Other assets</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">152.8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">148.7&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">148.7&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Total assets</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2,347.9</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">1,917.5</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">&#8212;</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">1,917.5</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:3pt double #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Liabilities</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Total debt</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,688.4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,316.6&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,316.6&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt;padding-right:6.75pt"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Other liabilities</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">148.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">147.9&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.7&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">148.6&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-right:6.75pt"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">Total liabilities</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">1,836.5</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">1,464.5</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">0.7</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">1,465.2</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Total stockholders' equity</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">511.4</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">453.0</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(0.7)</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">452.3</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Total liabilities and stockholders' equity</font></td><td colspan="3" style="padding:0 1pt"></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2,347.9</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">1,917.5</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">&#8212;</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">1,917.5</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><font><br></font></div><div style="margin-top:3pt;padding-left:9pt;text-align:justify;text-indent:-9pt"><font><br></font></div><div style="margin-top:3pt;padding-left:9pt;text-align:justify;text-indent:-9pt"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Note&#58; Numbers may not foot or cross-foot due to rounding.</font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div style="margin-top:3pt;padding-left:9pt;text-align:justify;text-indent:-9pt"><font style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:120%;position:relative;top:-2.97pt;vertical-align:baseline">(1)</font><font style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%"> Beginning in 2021 the Company no longer includes any Fair Value Pro Forma adjustments because all loans originated and held for investment and asset-backed notes issued are recorded at fair value. Therefore, the balances as of September 30, 2021 are presented on a GAAP basis and the balances as of September 30, 2020 include Fair Value Pro Forma adjustments related to its asset-backed notes at amortized cost. </font></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14</font></div></div></div><div id="ic0569fb6d80c486f9cd007c8ea517c60_43"></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">RECONCILIATION OF NON-GAAP FINANCIAL MEASURES</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(in millions, unaudited)</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:54.455%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.043%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Three Months Ended</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">September 30,</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="background-color:#eaeaea;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Nine Months Ended</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">September 30,</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Adjusted EBITDA</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</font></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Net income (loss)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">23.0</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(6.0)</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">33.2</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(53.6)</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Adjustments&#58;</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:18pt"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Fair Value Pro Forma net income adjustment</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline"> (1)</font></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(1.0)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.9&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Income tax expense (benefit)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">5.1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(2.2)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">8.7&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(18.5)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:18pt"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">COVID-19 expenses </font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(2)</font></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">4.1&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Depreciation and amortization</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">5.7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">5.1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">17.0&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">14.9&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:18pt"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Impairment </font><font 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0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">3.3&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Stock-based compensation expense</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">4.6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">5.2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">14.5&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">14.3&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Litigation reserve</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">8.8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">8.8&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:18pt"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Retail network optimization expenses</font></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">12.8&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Origination fees for Fair Value Loans, net</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(5.9)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(1.3)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(9.1)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">3.5&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Fair value mark-to-market adjustment </font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(14.6)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(10.7)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(57.2)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">47.8&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Adjusted EBITDA</font></td><td colspan="3" 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1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(1.2)</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">23.3</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">22.1</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:54.455%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.043%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Three Months Ended</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">September 30,</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="background-color:#eaeaea;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Nine Months Ended</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">September 30,</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Adjusted Net Income (Loss)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</font></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Net income (loss)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">23.0</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(6.0)</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">33.2</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(53.6)</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Adjustments&#58;</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:18pt"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Fair Value Pro Forma net income adjustment </font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline"> (1)</font></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(1.0)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.9&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Income tax expense (benefit)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">5.1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(2.2)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">8.7&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(18.5)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:18pt"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">COVID-19 expenses </font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(2)</font></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">4.1&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:18pt"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Impairment </font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:5.52pt;font-weight:400;line-height:100%;position:relative;top:-2.97pt;vertical-align:baseline">(3)</font></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">3.3&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Stock-based compensation expense</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">4.6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">5.2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">14.5&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">14.3&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Litigation reserve</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">8.8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">8.8&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:18pt"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Retail network optimization expenses</font></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.1&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">12.8&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Adjusted income (loss) before taxes</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">32.8</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">5.7</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">72.6</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(44.1)</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Normalized income tax expense (benefit)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">9.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1.6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">19.9&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(12.3)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Adjusted Net Income (Loss)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">23.8</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">4.2</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">52.7</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">(31.7)</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td></tr></table></div><div><font><br></font></div><div><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Note&#58; Numbers may not foot or cross-foot due to rounding.</font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div style="padding-left:13.5pt;text-indent:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.52pt;font-weight:400;line-height:120%;position:relative;top:-2.97pt;vertical-align:baseline">(1) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">  </font><font style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Beginning in 2021 the Company no longer includes any Fair Value Pro Forma adjustments because all loans originated and held for investment and asset-backed notes issued are recorded at fair value.</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%"> </font></div><div style="padding-left:13.5pt;text-indent:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.52pt;font-weight:400;line-height:120%;position:relative;top:-2.97pt;vertical-align:baseline">(2) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">  </font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">A</font><font style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">s of January 1, 2021, COVID-19 expenses are no longer being excluded from Adjusted EBITDA or Adjusted Net Income because the Company's business practices ha</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">ve been updated to operate in the current environment. </font></div><div style="padding-left:13.5pt;text-indent:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.52pt;font-weight:400;line-height:120%;position:relative;top:-2.97pt;vertical-align:baseline">(3) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">  </font><font style="color:#6d6d6d;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">Impairment charge recognized on a right-of-use asset related to the Company's leased office space in San Carlos, California due to management's decision to move toward a remote-first work environment</font><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%">. </font></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">15</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">RECONCILIATION OF NON-GAAP FINANCIAL MEASURES</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(in millions, except share and per share data, unaudited)</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div><font><br></font></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:54.455%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.043%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Three Months Ended</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">September 30,</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="background-color:#eaeaea;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Nine Months Ended</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">September 30,</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">GAAP Earnings (Loss) per Share</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</font></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Net income (loss)</font></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">23.0&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(6.0)</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">33.2&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(53.6)</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#626366;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Net income (loss) attributable to common stockholders</font></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.25pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">23.0&#160;</font></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.25pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(6.0)</font></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:1pt solid #929292;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:1pt solid #929292;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">33.2&#160;</font></td><td style="background-color:#eaeaea;border-top:1pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:1pt solid #929292;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:1pt solid #929292;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(53.6)</font></td><td style="background-color:#eaeaea;border-top:1pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:3pt double #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#626366;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Basic weighted-average common shares outstanding</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">28,167,686&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">27,459,192&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">27,982,273&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">27,237,246&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#626366;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Weighted average effect of dilutive securities&#58;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#626366;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Stock options</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,451,687&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,351,288&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#626366;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Restricted stock units</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">884,400&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">726,114&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#626366;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Diluted weighted-average common shares outstanding</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">30,503,773&#160;</font></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">27,459,192&#160;</font></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">30,059,675&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">27,237,246&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:3pt double #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#626366;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Earnings (loss) per share&#58;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#626366;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Basic</font></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.82&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(0.22)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1.19&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(1.97)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#626366;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Diluted</font></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.75&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(0.22)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1.11&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(1.97)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><font><br></font></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:54.455%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.043%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Three Months Ended</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">September 30,</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="background-color:#eaeaea;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Nine Months Ended</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">September 30,</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Adjusted Earnings (Loss) Per Share</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</font></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2021</font></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">2020</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#626366;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Diluted earnings (loss) per share</font></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.75&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(0.22)</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1.11&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(1.97)</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#626366;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Adjusted Net Income (Loss)</font></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">23.8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">4.2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">52.7&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(31.7)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Basic weighted-average common shares outstanding</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">28,167,686&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">27,459,192&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">27,982,273&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">27,237,246&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#626366;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Weighted average effect of dilutive securities&#58;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#626366;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Stock options</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,451,687&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,188,396&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1,351,288&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#626366;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Restricted stock units</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">884,400&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">75,282&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">726,114&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#626366;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Diluted adjusted weighted-average common shares outstanding</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">30,503,773&#160;</font></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">28,722,870&#160;</font></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">30,059,675&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="2" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">27,237,246&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:3pt double #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;border-top:3pt double #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#626366;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Adjusted Earnings (Loss) Per Share</font></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.78&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">0.15&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">1.75&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(1.17)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-top:1pt"><font><br></font></div><div style="margin-top:6pt"><font><br></font></div><div><font><br></font></div><div><font style="color:#595959;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Note&#58; Numbers may not foot or cross-foot due to rounding.</font></div><div><font><br></font></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">16</font></div></div></div><div id="ic0569fb6d80c486f9cd007c8ea517c60_46"></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div><font><br></font></div></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">RECONCILIATION OF FORWARD LOOKING NON-GAAP FINANCIAL MEASURES</font></div><div style="text-align:center"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(in millions, unaudited)</font></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #52c300;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:46.894%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.933%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.933%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.933%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="background-color:#eaeaea;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">4Q 2021</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="background-color:#eaeaea;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">FY 2021</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Low</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">High</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Low</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">High</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Adjusted EBITDA</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Net income</font></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">16.7</font><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">18.6</font><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">49.9</font><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">51.8</font><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Adjustments&#58;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Income tax expense</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">7.6</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">8.1</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">16.3</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">16.7</font></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Depreciation and amortization</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">6.0</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">7.7</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">23.0</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">24.7</font></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Impairment</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">3.3</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">3.3</font></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Stock-based compensation expense</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">3.2</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">3.7</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">17.8</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">18.3</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:18pt"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Retail network optimization expenses</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">12.8</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">12.8</font></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Origination fees for Fair Value Loans, net</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(8.2)</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(6.2)</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(17.3)</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(15.3)</font></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">Fair value mark-to-market adjustment </font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(17.2)</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(21.7)</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(74.5)</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(79.0)</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Adjusted EBITDA</font></td><td colspan="3" style="padding:0 1pt"></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">8.1</font><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">10.1</font><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">31.3</font><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">33.3</font><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:46.894%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.933%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.933%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.933%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.768%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.935%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="background-color:#eaeaea;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">4Q 2021</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="background-color:#eaeaea;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">FY 2021</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Low</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">High</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Low</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Low</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Adjusted Net Income</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#595959;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Net income</font></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">16.7</font><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">18.6</font><font style="color:#424242;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td 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  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel"/>
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:label id="lab_dei_DocumentType_7d124f2d-6ad2-4211-88a6-e1a0a9daa868_terseLabel_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Type</link:label>
    <link:label id="lab_dei_DocumentType_label_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Type</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentType"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentType" xlink:to="lab_dei_DocumentType" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressPostalZipCode_13bb9b19-ae01-487e-90e1-96786590f923_terseLabel_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:label id="lab_dei_EntityAddressPostalZipCode_label_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressPostalZipCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressPostalZipCode" xlink:to="lab_dei_EntityAddressPostalZipCode" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_LocalPhoneNumber_071c42a6-4bcd-4d53-8ca4-7a671729a3b5_terseLabel_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Local Phone Number</link:label>
    <link:label id="lab_dei_LocalPhoneNumber_label_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Local Phone Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_LocalPhoneNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_LocalPhoneNumber" xlink:to="lab_dei_LocalPhoneNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_WrittenCommunications_f2f6417e-5b04-4f5b-8019-ccc26d83b2f6_terseLabel_en-US" xlink:label="lab_dei_WrittenCommunications" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Written Communications</link:label>
    <link:label id="lab_dei_WrittenCommunications_label_en-US" xlink:label="lab_dei_WrittenCommunications" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Written Communications</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_WrittenCommunications" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_WrittenCommunications"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_WrittenCommunications" xlink:to="lab_dei_WrittenCommunications" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CityAreaCode_ddad3a1b-31a3-4eb5-87bf-9bd75c2709fe_terseLabel_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">City Area Code</link:label>
    <link:label id="lab_dei_CityAreaCode_label_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">City Area Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CityAreaCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CityAreaCode" xlink:to="lab_dei_CityAreaCode" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AmendmentFlag_959cace2-5eb4-4b3a-9660-db0b0ccf3c5b_terseLabel_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amendment Flag</link:label>
    <link:label id="lab_dei_AmendmentFlag_label_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Amendment Flag</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AmendmentFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AmendmentFlag" xlink:to="lab_dei_AmendmentFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_Security12bTitle_8552c868-eb75-41cf-b526-08be7a6a7493_terseLabel_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:label id="lab_dei_Security12bTitle_label_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12bTitle"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_Security12bTitle" xlink:to="lab_dei_Security12bTitle" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressStateOrProvince_ea35fd7c-9c13-4a8a-8b8a-36ef5ddb618c_terseLabel_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:label id="lab_dei_EntityAddressStateOrProvince_label_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressStateOrProvince"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressStateOrProvince" xlink:to="lab_dei_EntityAddressStateOrProvince" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_SecurityExchangeName_2dd02c19-029b-49ca-beed-329817c6fe92_terseLabel_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Security Exchange Name</link:label>
    <link:label id="lab_dei_SecurityExchangeName_label_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Security Exchange Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityExchangeName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SecurityExchangeName" xlink:to="lab_dei_SecurityExchangeName" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_SolicitingMaterial_2958bb17-4ab1-40c9-a33e-f29a410f0af4_terseLabel_en-US" xlink:label="lab_dei_SolicitingMaterial" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Soliciting Material</link:label>
    <link:label id="lab_dei_SolicitingMaterial_label_en-US" xlink:label="lab_dei_SolicitingMaterial" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Soliciting Material</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SolicitingMaterial" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SolicitingMaterial"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SolicitingMaterial" xlink:to="lab_dei_SolicitingMaterial" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentPeriodEndDate_1e708f93-07bb-407f-a4d1-cfd2d92cfd98_terseLabel_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Period End Date</link:label>
    <link:label id="lab_dei_DocumentPeriodEndDate_label_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Document Period End Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentPeriodEndDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentPeriodEndDate" xlink:to="lab_dei_DocumentPeriodEndDate" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressCityOrTown_038cd70b-01de-4c5d-afa3-1f43caa14873_terseLabel_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:label id="lab_dei_EntityAddressCityOrTown_label_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCityOrTown"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressCityOrTown" xlink:to="lab_dei_EntityAddressCityOrTown" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_3c36cb95-4ff5-4332-8943-ddeaee62b961_terseLabel_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_label_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityTaxIdentificationNumber" xlink:to="lab_dei_EntityTaxIdentificationNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CoverAbstract_715cdbd0-f993-48d8-b1a8-c1032f547cb0_terseLabel_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cover page.</link:label>
    <link:label id="lab_dei_CoverAbstract_label_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Cover [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CoverAbstract" xlink:to="lab_dei_CoverAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_PreCommencementIssuerTenderOffer_305e8d7f-f9e2-4132-9ded-95a9a252fa26_terseLabel_en-US" xlink:label="lab_dei_PreCommencementIssuerTenderOffer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
    <link:label id="lab_dei_PreCommencementIssuerTenderOffer_label_en-US" xlink:label="lab_dei_PreCommencementIssuerTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementIssuerTenderOffer" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementIssuerTenderOffer"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_PreCommencementIssuerTenderOffer" xlink:to="lab_dei_PreCommencementIssuerTenderOffer" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_PreCommencementTenderOffer_322c48a5-09db-41b3-b5f9-50568386cc98_terseLabel_en-US" xlink:label="lab_dei_PreCommencementTenderOffer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
    <link:label id="lab_dei_PreCommencementTenderOffer_label_en-US" xlink:label="lab_dei_PreCommencementTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementTenderOffer" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementTenderOffer"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_PreCommencementTenderOffer" xlink:to="lab_dei_PreCommencementTenderOffer" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressAddressLine1_5d5d15ef-7042-490f-a773-09355d801336_terseLabel_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:label id="lab_dei_EntityAddressAddressLine1_label_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressAddressLine1" xlink:to="lab_dei_EntityAddressAddressLine1" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_fea2a9ca-cce4-414d-9697-0102f62c8986_terseLabel_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_label_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityIncorporationStateCountryCode" xlink:to="lab_dei_EntityIncorporationStateCountryCode" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_8467c86c-e628-43f3-96d1-d7d8df4f81bc_terseLabel_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_label_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityEmergingGrowthCompany" xlink:to="lab_dei_EntityEmergingGrowthCompany" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityRegistrantName_c702218d-b623-44bf-97d4-d6346d57d9ff_terseLabel_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:label id="lab_dei_EntityRegistrantName_label_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xmlns:xml="http://www.w3.org/XML/1998/namespace" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityRegistrantName"/>
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<head>
<title></title>
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<span style="display: none;">v3.21.2</span><table class="report" border="0" cellspacing="2" id="idm140357022834008">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information Document<br></strong></div></th>
<th class="th"><div>Nov. 03, 2021</div></th>
<th class="th"><div>Sep. 14, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Nov.  03,  2021<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">OPORTUN FINANCIAL CORPORATION<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">0001538716<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">&#160;<span></span>
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<td class="text">false<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">001-39050<span></span>
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</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">45-3361983<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">2 Circle Star Way<span></span>
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</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">San Carlos,<span></span>
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</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">CA<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">94070<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">650<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">810-8823<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">&#160;<span></span>
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<td class="text">false<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">&#160;<span></span>
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<td class="text">false<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">&#160;<span></span>
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<td class="text">false<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">&#160;<span></span>
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<td class="text">false<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">Common Stock, $0.0001 par value per share<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">OPRT<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">NASDAQ<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">&#160;<span></span>
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<td class="text">false<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
