<SEC-DOCUMENT>0001538716-24-000025.txt : 20240312
<SEC-HEADER>0001538716-24-000025.hdr.sgml : 20240312
<ACCEPTANCE-DATETIME>20240312162254
ACCESSION NUMBER:		0001538716-24-000025
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		16
CONFORMED PERIOD OF REPORT:	20240312
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20240312
DATE AS OF CHANGE:		20240312

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Oportun Financial Corp
		CENTRAL INDEX KEY:			0001538716
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		ORGANIZATION NAME:           	02 Finance
		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:		24742406

	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-20240312.htm
<DESCRIPTION>8-K
<TEXT>
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<title>oprt-20240312</title></head><body><div style="display:none"><ix:header><ix:hidden><ix:nonNumeric contextRef="c-1" name="dei:EntityCentralIndexKey" id="f-21">0001538716</ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="dei:AmendmentFlag" format="ixt-sec:boolballotbox" id="f-22">&#9744;</ix:nonNumeric></ix:hidden><ix:references xml:lang="en-US"><link:schemaRef xlink:type="simple" xlink:href="oprt-20240312.xsd"/></ix:references><ix:resources><xbrli:context id="c-1"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001538716</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-03-12</xbrli:startDate><xbrli:endDate>2024-03-12</xbrli:endDate></xbrli:period></xbrli:context></ix:resources></ix:header></div><div id="i2508b380e82b483093dad2cb240d3e7e_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 style="width:98.900%"/><td style="width:0.1%"/></tr><tr style="height:5pt"><td colspan="3" style="border-bottom:2pt solid #000000;padding:0 1pt"/></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="c-1" name="dei:DocumentType" id="f-1">8-K</ix:nonNumeric></span></div><div style="margin-top:11pt;text-align:center"><span style="color:#231f20;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">CURRENT REPORT</span></div><div style="margin-top:1pt;text-align:center"><span style="color:#231f20;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934</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:12pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:DocumentPeriodEndDate" format="ixt:date-monthname-day-year-en" id="f-2">March 12, 2024</ix:nonNumeric></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Date of Report (date of earliest event reported)</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:20pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:EntityRegistrantName" id="f-3">OPORTUN FINANCIAL CORPORATION</ix:nonNumeric></span></div><div style="margin-bottom:12pt;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%">(Exact Name of Registrant as Specified in its Charter)</span></div><div style="margin-top:6pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Commission File Number <ix:nonNumeric contextRef="c-1" name="dei:EntityFileNumber" id="f-4">001-39050</ix:nonNumeric></span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.277%"><tr><td style="width:1.0%"/><td style="width:23.535%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.911%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.625%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:44.529%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="border-bottom: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="c-1" name="dei:EntityIncorporationStateCountryCode" format="ixt-sec:stateprovnameen" id="f-5">Delaware</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"/><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="c-1" name="dei:EntityTaxIdentificationNumber" id="f-6">45-3361983</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%">State or Other Jurisdiction of <br/>Incorporation or Organization</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">I.R.S. Employer Identification No.</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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="c-1" name="dei:EntityAddressAddressLine1" id="f-7">2 Circle Star Way</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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%"><ix:nonNumeric contextRef="c-1" name="dei:EntityAddressCityOrTown" id="f-8">San Carlos,</ix:nonNumeric></span></td><td colspan="3" style="border-bottom:1pt solid 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MS',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#231f20;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</span></div><div style="padding-left:31.5pt;text-indent:-18pt"><span><br/></span></div><div style="padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:PreCommencementTenderOffer" format="ixt-sec:boolballotbox" id="f-15">&#9744;</ix:nonNumeric></span><span style="color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span><span style="color:#231f20;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</span></div><div style="padding-left:31.5pt;text-indent:-18pt"><span><br/></span></div><div style="padding-left:31.5pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:PreCommencementIssuerTenderOffer" format="ixt-sec:boolballotbox" id="f-16">&#9744;</ix:nonNumeric></span><span style="color:#231f20;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</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:9pt;font-weight:400;line-height:120%">Securities registered pursuant to Section 12(b) of the Act:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.444%"><tr><td style="width:1.0%"/><td style="width:37.135%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:22.282%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:37.283%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="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%">Title of each class</span></td><td colspan="3" style="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%">Trading Symbol(s)</span></td><td colspan="3" style="border-left:1pt solid #000000;border-right: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%">Name of each exchange on which registered</span></td></tr><tr><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="c-1" name="dei:Security12bTitle" id="f-17">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="c-1" name="dei:TradingSymbol" id="f-18">OPRT</ix:nonNumeric></span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:2.2pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-19">Nasdaq Global Select Market</ix:nonNumeric></span></div></td></tr></table></div><div style="padding-left:15.75pt;padding-right:15.75pt;text-align:center;text-indent:-18pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Emerging growth company </span><span style="color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:EntityEmergingGrowthCompany" format="ixt-sec:boolballotbox" id="f-20">&#9744;</ix:nonNumeric></span></div><div style="text-align:center"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#9744;</span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></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 style="width:98.900%"/><td style="width:0.1%"/></tr><tr style="height:5pt"><td colspan="3" style="border-bottom:2pt solid #000000;padding:0 1pt"/></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="i2508b380e82b483093dad2cb240d3e7e_16"></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;March 12, 2024, Oportun Financial Corporation (the &#8220;Company&#8221;) issued a press release regarding the Company&#8217;s financial results for its fiscal quarter and full year ended&#160;December 31, 2023. 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 style="text-align:justify"><span><br/></span></div><div id="i2508b380e82b483093dad2cb240d3e7e_37"></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 style="width:67.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:450.25pt"/><td style="width:1.0pt"/></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"/></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="earningsreleasedec202310k.htm">Press Release dated </a><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="earningsreleasedec202310k.htm">March</a><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="earningsreleasedec202310k.htm"> </a><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="earningsreleasedec202310k.htm">12</a><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="earningsreleasedec202310k.htm">, 202</a><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="earningsreleasedec202310k.htm">4</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="i2508b380e82b483093dad2cb240d3e7e_40"></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 style="width:4.765%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:43.034%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.765%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:43.036%"/><td style="width:0.1%"/></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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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%">March 12, 2024</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 colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><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 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>earningsreleasedec202310k.htm
<DESCRIPTION>EX-99.1
<TEXT>
<html><head>
<!-- Document created using Wdesk -->
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<title>Document</title></head><body><div id="ied48cfe251b04733b5b881fc2127d58d_4"></div><div style="min-height:36pt;width:100%"><div><font><br></font></div></div><div style="margin-bottom:9pt;text-align:center;text-indent:36pt"><img alt="oportun_rgb.jpg" src="oportun_rgb.jpg" style="height:62px;margin-bottom:5pt;vertical-align:text-bottom;width:255px"></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:16pt;font-weight:400;line-height:120%">Oportun Reports Fourth Quarter and Full Year 2023 Financial Results</font></div><div style="text-align:center"><font style="background-color:#ffff00;color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:115%"><br></font><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:115%">4Q23 Total revenue of $263 million, bringing FY23 to $1.1 billion, up 11% year-over-year</font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:115%">Quarterly operating expense down 15%<br><br>$30 million in additional operating expense reductions announced</font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:115%">$200 million February ABS deal completed at 160 bps lower pricing than October transaction</font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:115%">Full Year 2024 guidance reflects expectations for markedly improved profitability</font></div><div style="text-align:center"><font><br></font></div><div style="margin-bottom:9pt;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-top:1pt solid #6cdb8b;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:6pt;text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">SAN CARLOS, CA &#8211; March&#160;12, 2024 &#8211; Oportun Financial Corporation (Nasdaq&#58; OPRT) (&#8220;Oportun&#8221;, or the &#34;Company&#34;) today reported financial results for the fourth quarter and full year ended December 31, 2023. </font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#34;We executed well during the fourth quarter and met each of our guidance metrics,&#34; said Raul Vazquez, CEO of Oportun. &#34;Our top-line remained resilient and we completed full year 2023 with a record $1.1 billion of total revenue, for 11% growth year-over-year, while continuing to focus on the quality rather than the quantity of our originations under a tightened credit posture. We also continued to drive operating efficiencies and reduced our quarterly operating expenses by 15% year-over-year, setting our sixth consecutive post-IPO record for Adjusted Operating Efficiency. We're pleased that the $200 million asset backed securitization we completed in February was ten times oversubscribed, indicative of the investment community's strong confidence in the quality of Oportun's underwriting and its business model. Committed to enhancing our profitability while serving our members as a much leaner enterprise, we're ardently focused on winning in the marketplace with three differentiated core products&#58; unsecured personal loans, secured personal loans and savings. Our initial full year 2024 guidance reflects markedly improved profitability on an adjusted basis, supported by an additional $30 million in run-rate operating expense savings to be achieved by 4Q24.&#34;</font></div><div style="margin-bottom:9pt;text-align:justify"><font><br></font></div><div style="margin-bottom:9pt;text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:12pt;font-weight:700;line-height:120%;text-decoration:underline">Fourth Quarter and Full Year 2023 Results</font></div><div style="margin-bottom: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:29.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.233%"></td><td style="width:0.1%"></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:7.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.237%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#f2f2f2;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Metric</font></td><td colspan="12" style="background-color:#f2f2f2;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:100%">GAAP</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="background-color:#f2f2f2;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Adjusted</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:6.5pt;font-weight:700;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">1</font></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:100%">4Q23</font></td><td colspan="3" style="background-color:#f2f2f2;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:100%">4Q22</font></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:100%">FY23</font></td><td colspan="3" style="background-color:#f2f2f2;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:100%">FY22</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:100%">4Q23</font></td><td colspan="3" style="background-color:#f2f2f2;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:100%">4Q22</font></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:100%">FY23</font></td><td colspan="3" style="background-color:#f2f2f2;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:100%">FY22</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$263</font></td><td colspan="3" style="background-color:#f2f2f2;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$262</font></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$1,057</font></td><td colspan="3" style="background-color:#f2f2f2;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$953</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#f2f2f2;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#f2f2f2;padding:0 1pt"></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:'TT Commons Pro',sans-serif;font-size:10pt;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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">($42)</font></td><td colspan="3" style="background-color:#f2f2f2;border-top:0.5pt solid #acacac;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$(8.4)</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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">($180)</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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">($78)</font></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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">($21)</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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$4.6</font></td><td colspan="3" style="border-top:0.5pt solid #acacac;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$(124)</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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$69</font></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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Diluted EPS</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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">($1.09)</font></td><td colspan="3" style="background-color:#f2f2f2;border-top:0.5pt solid #acacac;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$(0.25)</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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">($4.88)</font></td><td colspan="3" style="background-color:#f2f2f2;border-top:0.5pt solid #acacac;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$(2.37)</font></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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">($0.54)</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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$0.14</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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">($3.37)</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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$2.09</font></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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Adjusted EBITDA</font></td><td colspan="3" style="border-bottom:1pt solid #000;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="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="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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$6.1</font></td><td colspan="3" style="background-color:#f2f2f2;border-top:0.5pt solid #acacac;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$(34)</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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$1.7</font></td><td colspan="3" style="background-color:#f2f2f2;border-top:0.5pt solid #acacac;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$(10)</font></td></tr><tr><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9pt;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 #000;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="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="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="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:5.85pt;font-style:italic;font-weight:700;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">1</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9pt;font-style:italic;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.</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:'TT Commons Pro',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1</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="margin-top:5pt"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Fourth Quarter 2023</font></div><div style="margin-top:2pt"><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 #6cdb8b;padding:0 1pt"></td></tr></table></div><div style="padding-left:9pt;padding-right:4.5pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%">&#9702;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%;padding-left:5.59pt">Members were 2.2 million, an increase of 18% compared to the prior-year quarter</font></div><div style="padding-left:9pt;padding-right:4.5pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%">&#9702;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%;padding-left:5.59pt">Products were 2.4 million, an increase of 19% compared to the prior-year quarter </font></div><div style="padding-left:9pt;padding-right:4.5pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%">&#9702;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%;padding-left:5.59pt">Aggregate Originations were $437 million, down 28% compared to the prior-year quarter</font></div><div style="padding-left:9pt;padding-right:4.5pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%">&#9702;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%;padding-left:5.59pt">Portfolio Yield was 32.7%, an increase of 100 basis points compared to the prior-year quarter</font></div><div style="padding-left:9pt;padding-right:4.5pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%">&#9702;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%;padding-left:5.59pt">Managed Principal Balance at End of Period was $3.2 billion, down 7% compared to the prior-year quarter</font></div><div style="padding-left:9pt;padding-right:4.5pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%">&#9702;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%;padding-left:5.59pt">Annualized Net Charge-Off Rate of 12.3% as compared to 12.8% for the prior-year quarter </font></div><div style="margin-bottom:9pt;padding-left:9pt;padding-right:4.5pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%">&#9702;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%;padding-left:5.59pt">30+ Day Delinquency Rate of 5.9% as compared to 5.6% for the prior-year quarter</font></div><div style="text-align:justify;text-indent:9pt"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Full Year 2023</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 #6cdb8b;padding:0 1pt"></td></tr></table></div><div style="padding-left:9pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%">&#9702;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%;padding-left:5.59pt">Aggregate Originations were $1.8 billion, down 38% year-over-year</font></div><div style="padding-left:9pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%">&#9702;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%;padding-left:5.59pt">Portfolio Yield was 32.2%, an increase of 23 basis points year-over-year</font></div><div style="padding-left:9pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%">&#9702;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%;padding-left:5.59pt">Managed Principal Balance at End of Period was $3.2 billion, down 7% year-over-year</font></div><div style="padding-left:9pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%">&#9702;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:130%;padding-left:5.59pt">Annualized Net Charge-Off Rate of 12.2% as compared to 10.1% for the prior-year period</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"><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 style="height:20pt"><td colspan="15" style="padding:0 1pt"></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:'TT Commons Pro',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2</font></div></div></div><div id="ied48cfe251b04733b5b881fc2127d58d_10"></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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Financial and Operating Results</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:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:1pt solid #6cdb8b;padding:0 1pt"></td></tr></table></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">All figures are as of or for the quarter ended December 31, 2023, unless otherwise noted. </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%;text-decoration:underline">Operational Drivers</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Members</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> &#8211; Members as of the end of the fourth quarter grew to 2.2&#160;million, up 18% from 1.9 million at the end of 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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Products</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> &#8211; Products as of the end of the fourth quarter grew to 2.4&#160;million, up 19% from 2.0 million at the end of 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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Originations</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> &#8211; Aggregate Originations for the fourth quarter were $437 million, a decrease of 28% as compared to $610 million in the prior-year quarter. Aggregate Originations for the full year 2023 were $1.8 billion, a decrease of 38% as compared to $2.9 billion in 2022. The decrease is primarily due to credit tightening actions. The decrease in number of loans originated was partially offset by growth in average loan size due to a focus on returning members.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Portfolio Yield &#8211; </font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Portfolio Yield as of the end of fourth quarter was 32.7%, an increase of 100 basis points as compared to 31.7% in the prior-year quarter. Portfolio Yield for the full year 2023 was 32.2%, an increase of 23 basis points as compared to 32.0% in 2022. Both figures were primarily attributable to higher pricing on our personal loan products.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%;text-decoration:underline">Fourth Quarter 2023 Financial Results</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Revenue</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> &#8211; Total revenue for the fourth quarter was $263 million, essentially flat as compared to total revenue of $262 million in the prior-year quarter. Total revenue was flat as increased portfolio yield and higher non-interest income was offset by a decrease in the Average Daily Principal Balance. Net Revenue for the fourth quarter was $72 million, a decrease of 50% as compared to Net Revenue of $143 million in the prior-year quarter. Net Revenue declined from the prior-year quarter due to an unfavorable change in fair value and increased interest expense, partially offset by improved net charge-offs.</font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Operating Expenses and Adjusted Operating Expenses </font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8211; For the fourth quarter, total operating expense was $129 million including $7 million of costs related to severance, a decrease of 15% as compared to $151 million in the prior-year quarter. Adjusted Operating Expense, which excludes stock-based compensation expense and certain non-recurring charges, decreased 27% year-over-year to $101 million.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Net Income (Loss) and Adjusted Net Income (Loss)</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> &#8211; Net loss was $41.8 million, as compared to net loss of $8.4 million in the prior-year quarter. Adjusted Net Loss was $21 million, as compared to Adjusted Net Income of $4.6 million&#160;in the prior-year quarter. The decreases in net income and Adjusted Net Income are attributable to an unfavorable net change in fair value, and increased interest expense.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Earnings (Loss) Per Share and Adjusted EPS </font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8211; GAAP net loss per share, basic and diluted, were both $1.09 , as compared to basic and diluted loss per share of $0.25 each in the prior-year quarter. Adjusted loss per share was $0.54 as compared to adjusted earnings per share of $0.14 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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Adjusted EBITDA</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> &#8211; Adjusted EBITDA was $6.1 million, up $40 million from the prior year quarter, driven by a significant reduction in operating expenses.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%;text-decoration:underline">Full Year 2023 Financial Results</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Revenue</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> &#8211; Total revenue for the full year was $1.1 billion, an increase of 11% as compared to total revenue of $953 million in 2022. The increase was primarily due to increased interest income attributable to a higher Average Daily Principal Balance and increased non-interest income attributable to interest earned on our savings product, recently rebranded as &#34;Set &#38; Save.&#34; </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Operating Expenses and Adjusted Operating Expenses</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> &#8211; For the full year, total operating expense was $534 million, a decrease of 25% as compared to $716 million in 2022. Adjusted Operating Expense, which excludes stock-based compensation expense and certain non-recurring charges, decreased 17% year-over-year to $452 million, primarily driven by the Company's reductions in force, decreased marketing spend as we shifted our strategy to focus efforts on existing and returning members and other cost savings measures. </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Net Income (Loss) and Adjusted Net Income (Loss)</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> &#8211; Net loss was $180 million, as compared to a net loss of $78 million in </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:'TT Commons Pro',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3</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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2022. Adjusted Net Loss was $124 million, as compared to Adjusted Net Income of $69 million&#160;in 2022. The decreases in net income and Adjusted Net Income are attributable to, non-cash fair value mark-to-market adjustments, increased charge-offs and interest expense, partially offset by increased revenues.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Earnings (Loss) Per Share and Adjusted EPS </font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8211; GAAP net loss per share, basic and diluted, were both $4.88 for the full year 2023 as compared to basic and diluted loss per share of $2.37 each in 2022. Adjusted loss per share was $3.37 in 2023 as compared to adjusted earnings per share of $2.09 in 2022. </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Adjusted EBITDA</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> &#8211; Adjusted EBITDA was $1.7 million, up $12 million from 2022. Adjusted EBITDA as a percentage of total revenue was 0.2% and (1.1)% for 2023 and 2022, respectively. </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%;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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Net Charge-Off Rate</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> &#8211; The Annualized Net Charge-Off Rate for the fourth quarter was 12.3%, compared to 12.8% for the prior-year quarter, and 12.2% for the full year 2023, compared to 10.1% for 2022 and 6.8% for 2021.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">30+ Day Delinquency Rate</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> &#8211; 30+ Day Delinquency Rate was 5.9% at the end of 2023, compared to 5.6% at the end of 2022. 30+ Day Delinquency Rates are presented on page 11 of the Company's Earnings Presentation available at investor.oportun.com.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Operating Efficiency and Adjusted Operating Efficiency</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#8211; Operating Efficiency for the fourth quarter was 49% as compared to 58% in the prior-year quarter.&#160;Adjusted Operating Efficiency in the fourth quarter was 38%, as compared to 52% in the prior-year quarter. For the full year 2023, Operating Efficiency was 51% as compared to 75% for 2022.&#160;Adjusted Operating Efficiency for the full year 2023 was 43%, as compared to 57% for 2022. The improvement in Operating Efficiency and Adjusted Operating Efficiency reflect the Company's revenue growing more quickly than operating expenses. Adjusted Operating Efficiency excludes stock-based compensation expense and certain non-recurring charges, such as impairment charges, the Company's retail network optimization expenses, and acquisition and integration related expenses.  </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Return on Equity (&#34;ROE&#34;) and Adjusted ROE</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#8211; ROE for the fourth quarter was (39)%, compared to (6.1)% in the prior-year quarter.&#160;Adjusted ROE for the fourth quarter was (19)%, compared to 3.3% in the corresponding prior-year quarter. ROE for the full year 2023 was (38)%, as compared to (14)% for 2022.&#160;Adjusted ROE for the full year 2023 was (26)%, as compared to 12% for 2022.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%;text-decoration:underline">Other Products</font></div><div style="text-align:justify"><font><br></font></div><div><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Secured personal loans</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> &#8211; As of December 31, 2023, the Company had a secured personal loan receivables balance of $117 million, down 1% from $119 million at the end of 2022, and down 1% quarter-over-quarter. </font></div><div style="text-align:justify"><font><br></font></div><div><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Credit card receivables</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> &#8211; As of December 31, 2023, the Company had a credit card receivables balance of $111 million, down 15% from $131 million at the end of 2022, and down 4% quarter-over-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:'TT Commons Pro',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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:174%;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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2023, cash and cash equivalents were $91 million and restricted cash was $115 million. Cost of Debt was 6.0% for the year ended December 31, 2023, as compared to 3.7% for the year ended December 31, 2022. Cost of Debt was 7.1% for the fourth quarter of 2023 as compared to 4.8% for the prior-year quarter. Debt-to-Equity was 7.2x as of December 31, 2023, as compared to  5.3x as of December 31, 2022.  As of December 31, 2023, the Company had $378 million of undrawn capacity on its existing $600 million personal loan warehouse line. The Company's personal loan warehouse line is committed through September 2024. As of December 31, 2023, the Company had $31 million of undrawn capacity on its existing $100 million credit card warehouse line. The Company's credit card warehouse line is committed through December 2024.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:112%">On October 20, 2023, the Company borrowed $197 million under a new private structured financing facility with Castlelake, its affiliates and other investors. The facility has a two-year revolving period.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:112%">On November 2, 2023, the Company entered into a forward flow whole loan sale agreement with an institutional investor. Pursuant to the agreement, the Company is expected to sell up to $70&#160;million of its unsecured personal loan originations for an initial term of twelve months.</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 style="text-align:justify"><font><br></font></div><div id="ied48cfe251b04733b5b881fc2127d58d_13"></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:10pt;font-weight:700;line-height:174%">Financial Outlook for First Quarter and Full Year 2024</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 #6cdb8b;padding:0 1pt"></td></tr></table></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Oportun is providing the following guidance for 1Q 2024 and full year 2024 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="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:100%">1Q 2024</font></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Full Year 2024</font></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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total Revenue</font></td><td colspan="3" style="border-top:1pt solid #6cdb8b;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$233 - $238 M</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #6cdb8b;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$975 - $1,000 M</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annualized Net Charge-Off Rate</font></td><td colspan="3" style="border-top:1pt solid #6cdb8b;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12.1% +&#47;- 15 bps</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #6cdb8b;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11.9% +&#47;- 50 bps</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Adjusted EBITDA</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">1</font></div></td><td colspan="3" style="border-bottom:1pt solid #6cdb8b;border-top:1pt solid #6cdb8b;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$(14) - $(12) M</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #6cdb8b;border-top:1pt solid #6cdb8b;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$60 - $70 M</font></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></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></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="margin-top:2pt;text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',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:#000000;font-family:'TT Commons Pro',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, including revised Adjusted EBITDA, and the table entitled &#8220;Reconciliation of Forward Looking Non-GAAP Financial Measures&#8221; for a reconciliation of non-GAAP to GAAP measures.</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:'TT Commons Pro',sans-serif;font-size:9pt;font-weight:400;line-height:120%">5</font></div></div></div><div id="ied48cfe251b04733b5b881fc2127d58d_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:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:10pt;font-weight:400;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 #6cdb8b;padding:0 1pt"></td></tr></table></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As previously announced, Oportun&#8217;s management will host a conference call to discuss fourth quarter 2023 results at 5&#58;00&#160;p.m. ET (2&#58;00 p.m. PT) today. 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. The dial-in number for the conference call is 1-866-604-1698 (toll-free) or 1-201-389-0844 (international). Participants should call in 10 minutes prior to the scheduled start time. 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:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:10pt;font-weight:400;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 #6cdb8b;padding:0 1pt"></td></tr></table></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This press release presents information about the Company&#8217;s Adjusted Net Income (Loss), Adjusted EPS, Adjusted EBITDA, Adjusted Operating Efficiency, Adjusted Operating Expense and Adjusted ROE, 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:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:10pt;font-weight:400;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 #6cdb8b;padding:0 1pt"></td></tr></table></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Oportun (Nasdaq&#58; OPRT) is a mission-driven fintech that puts its 2.2 million members' financial goals within reach. With intelligent borrowing, savings, and budgeting capabilities, Oportun empowers members with the confidence to build a better financial future. Since inception, Oportun has provided more than $17.8 billion in responsible and affordable credit, saved its members more than $2.4 billion in interest and fees, and helped its members save an average of more than $1,800 annually. 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:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:10pt;font-weight:400;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 #6cdb8b;padding:0 1pt"></td></tr></table></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:112%">This press release contains forward-looking statements. 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. All statements other than statements of historical fact contained in this press release, including statements as to future performance, results of operations and financial position&#59; statements related to the effectiveness of the Company&#8217;s cost reduction measures and the impacts on the Company's business&#59; the anticipated size, timing and effectiveness of operational efficiencies and expense reductions&#59; strategic options regarding our credit card portfolio&#59; our planned products and services&#59; the ability to access diverse sources of capital&#59; the Company's expectations regarding the sale of certain personal loan originations&#59; achievement of the Company's strategic priorities and goals&#59; the Company's expectations regarding macroeconomic conditions&#59; the Company's profitability and future growth opportunities&#59; the Company's expectations regarding the effect of tightening its underwriting standards on credit outcomes and the effect of fair value mark-to-market adjustments on its loan portfolio and asset-backed notes&#59; the Company's first quarter and full year 2024 outlook&#59; the Company's expectations related to future profitability on an adjusted basis, and the plans and objectives of management for our future operations, are forward-looking statements. These statements can be generally identified by terms such as &#8220;expect,&#8221; &#8220;plan,&#8221; &#8220;goal,&#8221; &#8220;target,&#8221; &#8220;anticipate,&#8221; &#8220;assume,&#8221; &#8220;predict,&#8221; &#8220;project,&#8221; &#8220;outlook,&#8221; &#8220;continue,&#8221; &#8220;due,&#8221; &#8220;may,&#8221; &#8220;believe,&#8221; &#8220;seek,&#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 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. Oportun has based these forward-looking statements on its current expectations and projections about future events, financial trends and risks and uncertainties 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 Securities and Exchange Commission, including Oportun's most recent annual report on Form 10-K, and include, but are not limited to, Oportun's ability to retain existing members and attract new members&#59; Oportun's ability to accurately predict demand for, and develop its financial products and services&#59; the effectiveness of Oportun's A.I. model&#59; macroeconomic conditions, including rising inflation and market interest rates&#59; increases in loan non-payments, delinquencies and charge-offs&#59; Oportun's ability to increase market share and enter into new markets&#59; Oportun's ability to realize the benefits from acquisitions and integrate acquired technologies&#59; the risk of security breaches or incidents affecting the Company's information </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:'TT Commons Pro',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6</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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:112%">technology systems or those of the Company's third-party vendors or service providers&#59; Oportun&#8217;s ability to successfully offer loans in additional states&#59; Oportun&#8217;s ability to compete successfully with other companies that are currently in, or may in the future enter, its industry&#59; changes in Oportun's ability to obtain additional financing on acceptable terms or at all&#59; and Oportun's potential need to seek additional strategic alternatives, including restructuring or refinancing its debt, seeking additional debt or equity capital, or reducing or delaying its business activities. These 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="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:10pt;font-weight:400;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 #6cdb8b;padding:0 1pt"></td></tr></table></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Investor Contact</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Dorian Hare</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(650) 590-4323</font></div><div><font style="color:#6cdb8b;font-family:'TT Commons Pro',sans-serif;font-size:10pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Media Contact</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Usher Lieberman</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(650) 769-9414</font></div><div><font style="color:#6cdb8b;font-family:'TT Commons Pro',sans-serif;font-size:10pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;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:'TT Commons Pro',sans-serif;font-size:9pt;font-weight:400;line-height:120%">7</font></div></div></div><div id="ied48cfe251b04733b5b881fc2127d58d_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:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:700;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:700;line-height:120%">CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS </font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;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 #6cdb8b;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" 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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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">242.2&#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="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font 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style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Interest 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Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">179.4&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">93.0&#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="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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(138.5)</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="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(82.9)</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="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(596.8)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(218.8)</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;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Net 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style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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 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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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">21.3&#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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">75.3&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">110.0&#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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">25.1&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">40.3&#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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">121.8&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">154.9&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">11.2&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">17.5&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">45.4&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">67.6&#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 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">General, administrative and 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style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:middle"></td><td colspan="3" 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Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">534.3</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">715.9</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(57.3)</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="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(7.9)</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="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(253.7)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(75.3)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(15.5)</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="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">0.5&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(73.7)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2.5&#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;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Net 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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(41.8)</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(8.4)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(180.0)</font></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(77.7)</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="background-color:#ededed;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(1.09)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(0.25)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(4.88)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(2.37)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">38,485,406&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">33,231,661&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">36,875,950&#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:#ededed;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">32,825,772&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;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:'TT Commons Pro',sans-serif;font-size:9pt;font-weight:400;line-height:120%">8</font></div></div></div><div id="ied48cfe251b04733b5b881fc2127d58d_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:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:400;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:400;line-height:120%">CONDENSED CONSOLIDATED BALANCE SHEETS </font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:400;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 #6cdb8b;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:99.861%"><tr><td style="width:1.0%"></td><td style="width:71.083%"></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:11.834%"></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:11.837%"></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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">December 31,</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2023</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2022</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">91.2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">98.8&#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="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">114.8&#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:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">105.0&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2,962.4&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">3,175.4&#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="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="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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Capitalized software and other intangibles</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">114.7&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">139.8&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">21.1&#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:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">30.4&#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="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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">107.7&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">64.2&#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;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">3,411.9&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#ededed;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">3,613.7&#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 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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">290.0&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">317.6&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">1,780.0&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2,387.7&#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 2px 7.75pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Asset-backed borrowings at amortized cost</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">581.5&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Acquisition and corporate financing</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">258.7&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">222.9&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">28.4&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">37.9&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">68.9&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">100.0&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">3,007.5&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">3,066.1&#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><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">584.6&#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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">547.8&#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="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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Retained earnings (accumulated deficit)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(173.8)</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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">6.1&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">404.4&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">547.6&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">3,411.9&#160;</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="background-color:#ededed;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">3,613.7&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;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:'TT Commons Pro',sans-serif;font-size:9pt;font-weight:400;line-height:120%">9</font></div></div></div><div id="ied48cfe251b04733b5b881fc2127d58d_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:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:700;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:700;line-height:120%">CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS </font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;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 #6cdb8b;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Three Months Ended</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">December 31,</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Twelve Months Ended</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">December 31,</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2023</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2022</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2023</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2022</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Net 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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(41.8)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(8.4)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(180.0)</font></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(77.7)</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 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">139.0&#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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">91.7&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">585.3&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">400.3&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2.9&#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="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(0.1)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">8.5&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">6.1&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">5.3&#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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(21.1)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(80.7)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">106.3&#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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">88.5&#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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">392.8&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">247.9&#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:15pt"><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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(91.8)</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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(242.4)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(257.5)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(1,365.9)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Proceeds from loan sales originated as held for investment</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">1.3&#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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">1.3&#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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">4.1&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">249.3&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(6.1)</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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(12.1)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(31.3)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(48.9)</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><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Other, net</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(0.2)</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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(2.6)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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><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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(6.0)</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;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Net cash 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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(96.8)</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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(255.7)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(286.2)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(1,171.5)</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:15pt"><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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">429.4&#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="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">579.2&#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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">945.5&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">3,234.1&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(432.1)</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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(480.1)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(1,047.1)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(2,290.9)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(0.4)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(2.7)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(8.7)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(3.1)</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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">98.7&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(104.4)</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><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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">934.5&#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:15pt"><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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">6.4&#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="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(68.4)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2.2&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">10.9&#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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">199.6&#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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">272.2&#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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">203.8&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">193.0&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">206.0&#160;</font></td><td style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">203.8&#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:bottom"></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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#ededed;border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">206.0&#160;</font></td><td style="background-color:#ededed;border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">203.8&#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></tr></table></div><div style="text-align:center"><font><br></font></div><div><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;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:'TT Commons Pro',sans-serif;font-size:9pt;font-weight:400;line-height:120%">10</font></div></div></div><div id="ied48cfe251b04733b5b881fc2127d58d_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:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:400;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:400;line-height:120%">CONSOLIDATED KEY PERFORMANCE METRICS</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:400;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 #6cdb8b;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">December 31,</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Twelve Months Ended</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">December 31,</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 #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2023</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 #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2022</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2023</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2022</font></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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Members (Actuals)</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 #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2,224,302&#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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">1,877,260&#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:#eaeaea;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2,224,302&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">1,877,260&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Products (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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2,387,745&#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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2,006,245&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2,387,745&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2,006,245&#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="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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">437.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">610.4&#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:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">1,813.1&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2,922.9&#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><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Portfolio Yield (%)</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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">32.7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">31.7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">32.2&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">32.0&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">5.9&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">5.6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">5.9&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">5.6&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">12.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">12.8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">12.2&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">10.1&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">%</font></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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(39.2)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(6.1)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(37.8)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(13.5)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(19.3)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">3.3&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(26.1)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">12.1&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">%</font></td></tr></table></div><div><font><br></font></div><div style="text-align:justify"><font><br></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:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:400;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:400;line-height:120%">OTHER METRICS</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:400;line-height:120%">(unaudited)</font></div><div style="margin-top:5pt"><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 style="height:8pt"><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><td colspan="3" style="padding:0 1pt"></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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Three Months Ended</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">December 31,</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Twelve Months Ended</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">December 31,</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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2023</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 #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2022</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2023</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2022</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">Managed Principal Balance at End of Period (Millions)</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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">3,182.1&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">3,407.0&#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="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">3,182.1&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">3,407.0&#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"><div style="margin-top:0.1pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2,904.7&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">3,098.6&#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 style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2,904.7&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">3,098.6&#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;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2,940.5&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">3,058.3&#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 style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2,992.6&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2,740.3&#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><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><br></font></div><div style="padding-left:9pt;text-align:justify;text-indent:-9pt"><font><br></font></div><div style="padding-left:9pt;text-align:justify;text-indent:-9pt"><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;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:'TT Commons Pro',sans-serif;font-size:9pt;font-weight:400;line-height:120%">11</font></div></div></div><div id="ied48cfe251b04733b5b881fc2127d58d_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:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:700;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:700;line-height:120%">ABOUT NON-GAAP FINANCIAL MEASURES</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;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 #6cdb8b;padding:0 1pt"></td></tr></table></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This press release dated March&#160;12, 2024 contains non-GAAP financial measures. The following tables reconcile the non-GAAP financial measures in this press release to the most directly comparable financial measures prepared in accordance with GAAP.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;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="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:'TT Commons Pro',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12</font></div></div></div><div id="ied48cfe251b04733b5b881fc2127d58d_381"></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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Adjusted EBITDA</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company defines Adjusted EBITDA as net income, 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="margin-bottom:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.04pt">The Company believes it is useful to exclude the impact of income tax expense, as reported, because historically it has included irregular income tax items that do not reflect ongoing business operations. </font></div><div style="margin-bottom:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.04pt">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="margin-bottom:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.04pt">The Company believes it is useful to exclude the impact of interest expense associated with the Company's corporate financing facilities, as it views this expense as related to its capital structure rather than its funding.</font></div><div style="margin-bottom:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.04pt">The Company excludes the impact of certain non-recurring charges, such as expenses associated with our workforce optimization, acquisition and integration related expenses and other non-recurring charges because it does not believe that these items reflect ongoing business operations. Other non-recurring charges include litigation reserve, impairment charges, debt amendment and warrant amortization costs related to our corporate financing facilities.</font></div><div style="margin-bottom:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.04pt">The Company also reverses origination fees for Loans Receivable at Fair Value, 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:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.04pt">The Company also reverses the fair value mark-to-market adjustment because it is a non-cash adjustment. </font></div><div style="margin-bottom:6pt;text-align:justify"><font><br></font></div><div style="margin-bottom:6pt;text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Revised Adjusted EBITDA</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Beginning in 2024, we will transition to an updated definition of Adjusted EBITDA which better represents how management views the results of operations and makes management decisions. Reconciliations of non-GAAP to GAAP measures, updated definitions of reconciling items, and comparative calculations for 2022 and 2023 for Adjusted EBITDA using the new definition can be found below.</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"><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:19.455%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:78.345%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Adjusted EBITDA</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Rationale for Change</font></td></tr><tr><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="border-top:1pt solid #6cdb8b;padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Interest on Corporate Financing </font></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #6cdb8b;padding:2px 1pt;text-align:justify;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">We have updated the interest on corporate financing adjustment to include interest on our acquisition related financing previously included within the adjustment for acquisition and integration related expenses. </font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Depreciation and amortization</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">We have updated the adjustment related to depreciation and amortization to include the amortization of acquired intangibles. This amortization was previously included within the adjustment for acquisition and integration related expenses.</font></td></tr><tr><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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Acquisition and integration related expenses </font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">We have removed the adjustment related to acquisition and integration related expenses. Interest expense related to our acquisition related financing has been reclassified to the adjustment for corporate financing. Amortization of acquired intangibles has been reclassified to depreciation and amortization.</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Origination fees for loans receivable at fair value, net</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">We have removed the adjustment related to origination fees for loans receivable at fair value, net as we believe this better aligns with common practices within our industry. </font></td></tr><tr><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></tr></table></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:'TT Commons Pro',sans-serif;font-size:9pt;font-weight:400;line-height:120%">13</font></div></div></div><div id="ied48cfe251b04733b5b881fc2127d58d_388"></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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Adjusted Net Income</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company defines Adjusted Net Income as net income 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 the Company'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="margin-bottom:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.04pt">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="margin-bottom:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.04pt">The Company believes it is useful to exclude the impact of certain non-recurring charges, such as expenses associated with our workforce optimization, acquisition and integration related expenses and other non-recurring charges because it does not believe that these items reflect its ongoing business operations. Other non-recurring charges include litigation reserve, impairment charges, debt amendment and warrant amortization costs related to our Corporate Financing facility.</font></div><div style="margin-bottom:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.04pt">The Company believes it is useful to exclude stock-based compensation expense because it is a non-cash charge.</font></div><div style="margin-bottom:3pt;text-align:justify"><font><br></font></div><div style="margin-bottom:3pt;text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Revised Adjusted Net Income (Loss)</font></div><div style="margin-bottom:3pt;text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Beginning in 2024, we will transition to an updated definition of Adjusted Net Income (Loss) which better represents how management views the results of operations and makes management decisions. Reconciliations of non-GAAP to GAAP measures, updated definitions of reconciling items, and comparative calculations for 2022 and 2023 for Adjusted Net Income (Loss) using the new definitions can be found below.</font></div><div style="margin-bottom:3pt;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:19.455%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:78.345%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Adjusted Net Income (Loss)</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Rationale for Change</font></td></tr><tr><td colspan="3" style="border-top:1pt solid #6cdb8b;padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Acquisition and integration related expenses </font></td><td colspan="3" style="display:none"></td><td colspan="3" style="border-top:1pt solid #6cdb8b;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">We have removed the adjustment related to acquisition and integration related expenses. Interest expense related to our acquisition related financing has been reclassified to the adjustment for Corporate Financing. Amortization of acquired intangibles has been reclassified to depreciation and amortization.</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Fair value mark-to-market adjustment on Asset-Backed Notes at Fair Value</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:115%">We have added an adjustment to exclude the Fair value mark-to-market adjustments related to Asset-Backed Notes at Fair Value. This adjustment aligns with our decision in 2023 to stop electing the fair value option for new debt financings.  By the end of 2025 nearly all our existing Asset-Backed Notes at Fair Value will have paid down to zero, so after that there will be no mark-to-market adjustment for our debt.</font></div></td></tr></table></div><div style="text-align:justify"><font><br></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:'TT Commons Pro',sans-serif;font-size:9pt;font-weight:400;line-height:120%">14</font></div></div></div><div id="ied48cfe251b04733b5b881fc2127d58d_397"></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:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Adjusted Operating Efficiency and Adjusted Operating Expense</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company defines Adjusted Operating Efficiency as Adjusted Operating Expense divided by total revenue. The Company defines Adjusted Operating Expense as total operating expenses adjusted to exclude stock-based compensation expense and certain non-recurring charges, such as expenses associated with our workforce optimization, acquisition and integration related expenses and other non-recurring charges. Other non-recurring charges include litigation reserve, impairment charges, and debt amendment costs related to our Corporate Financing facility. The Company believes Adjusted Operating Efficiency is an important measure because it allows management, investors and Oportun's board of directors to evaluate how efficiently the Company is managing costs relative to revenue. The Company believes Adjusted Operating Expense is an important measure because it allows management, investors and Oportun's board of directors to evaluate and compare its operating costs from period to period, excluding the 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="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Adjusted Return on Equity</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;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. The Company believes Adjusted ROE is an important measure because it allows management, investors and its board of directors to evaluate the profitability of the business in relation to its stockholders' equity and how efficiently it generates income from stockholders' equity.</font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Adjusted EPS</font></div><div style="text-align:justify"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;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:'TT Commons Pro',sans-serif;font-size:9pt;font-weight:400;line-height:120%">15</font></div></div></div><div id="ied48cfe251b04733b5b881fc2127d58d_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:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:700;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:700;line-height:120%">RECONCILIATION OF NON-GAAP FINANCIAL MEASURES</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;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 #6cdb8b;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:95.555%"><tr><td style="width:1.0%"></td><td style="width:54.423%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:0.817%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.510%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.510%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.817%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.510%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.513%"></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></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="15" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Three Months Ended</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">December 31,</font></div></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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="6" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2023</font></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="6" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2022</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></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 #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Reported</font></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Revised</font></div></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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Reported</font></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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Revised</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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(41.8)</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(41.8)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(8.4)</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(8.4)</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="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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="background-color:#eaeaea;padding:0 1pt"></td><td colspan="3" style="background-color:#eaeaea;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></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></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(15.5)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(15.5)</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="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">0.5&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">0.5&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Interest on corporate financing </font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:6.17pt;font-weight:400;line-height:100%;position:relative;top:-3.32pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">11.2&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">14.6&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">5.1&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">8.5&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">10.8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">13.8&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">9.9&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">12.9&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="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></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">4.8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">4.8&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">6.9&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">6.9&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Workforce 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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">6.8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">6.8&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Acquisition and integration related expenses</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">6.6&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">7.3&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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><td 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"><div style="padding-left:18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Other non-recurring charges </font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:6.17pt;font-weight:400;line-height:100%;position:relative;top:-3.32pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">10.8&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">10.8&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="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></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Origination fees for Loans Receivable at Fair Value, 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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(4.0)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">16.4&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">16.4&#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:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(45.6)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(45.6)</font></td><td style="background-color:#eaeaea;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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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 style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">6.1</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">9.9</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(33.5)</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(24.4)</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="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 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="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="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></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="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="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 style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.333%"><tr><td style="width:1.0%"></td><td style="width:53.702%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:0.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.210%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.210%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.210%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.216%"></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="21" style="border-bottom:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Twelve Months Ended</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">December 31,</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="9" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2023</font></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"></td><td colspan="9" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2022</font></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 #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Reported</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Revised</font></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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Revised</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(180.0)</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(180.0)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(77.7)</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(77.7)</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><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="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 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(73.7)</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="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(73.7)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2.5&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2.5&#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="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:bottom"><div style="padding-left:18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Interest on corporate financing </font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:6.17pt;font-weight:400;line-height:100%;position:relative;top:-3.32pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">37.7&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">51.8&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">6.0&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons 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style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">47.4&#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="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 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Stock-based 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Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">27.6&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">27.6&#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="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:bottom"><div style="padding-left:18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Workforce 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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">22.5&#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="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">22.5&#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:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">1.9&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">1.9&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Acquisition and integration related expenses</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">27.6&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">29.7&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">5.8&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Other non-recurring charges </font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:6.17pt;font-weight:400;line-height:100%;position:relative;top:-3.32pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">15.5&#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="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">15.5&#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:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">111.2&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">111.2&#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="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 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Origination fees for Loans Receivable at Fair Value, 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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(18.5)</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="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(26.8)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">109.5&#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="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">109.5&#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:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(119.7)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(119.7)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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 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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">1.7</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:3pt double #000000;padding:0 1pt"></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">18.6</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(10.3)</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">16.6</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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"><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:'TT Commons Pro',sans-serif;font-size:9pt;font-weight:400;line-height:120%">16</font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div><font><br></font></div></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 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="21" style="border-bottom:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Three Months Ended</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">December 31,</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Adjusted Net Income</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2023</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2022</font></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 #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Reported</font></div></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:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Revised</font></div></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:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Reported</font></div></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:left;vertical-align:bottom"><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Revised</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(41.8)</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(41.8)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(8.4)</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(8.4)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="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 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(15.5)</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="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(15.5)</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="2" style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">0.5&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">0.5&#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="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 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">4.8&#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="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">4.8&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">6.9&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">6.9&#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="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:bottom"><div style="padding-left:18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Workforce 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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">6.8&#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="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">6.8&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Acquisition and integration related expenses</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">6.6&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">7.3&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="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:bottom"><div style="padding-left:18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Other non-recurring charges </font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:6.17pt;font-weight:400;line-height:100%;position:relative;top:-3.32pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">10.8&#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="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">10.8&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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"><div style="padding-left:18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Mark-to-market adjustment on ABS notes</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">23.6&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">&#8212;</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(21.0)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Adjusted income 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 #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(28.3)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(11.3)</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:#eaeaea;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">6.3</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(21.1)</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><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Normalized income tax 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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(7.6)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(3.0)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">1.7&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(5.7)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Adjusted Net Income</font></td><td colspan="3" style="display:none"></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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(20.6)</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(8.2)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">4.6</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(15.4)</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><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 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="21" style="border-bottom:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Twelve Months Ended December 31,</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Adjusted Net Income</font></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2023</font></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2022</font></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 #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Reported</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Revised</font></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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Revised</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(180.0)</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(180.0)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(77.7)</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(77.7)</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><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="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 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(73.7)</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="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(73.7)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2.5&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2.5&#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="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 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">18.0&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">18.0&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">27.6&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">27.6&#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="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:bottom"><div style="padding-left:18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Workforce 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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">22.5&#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="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">22.5&#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:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">1.9&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">1.9&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Acquisition and integration related expenses</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">27.6&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">29.7&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">5.8&#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="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:bottom"><div style="padding-left:18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Other non-recurring charges </font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:6.17pt;font-weight:400;line-height:100%;position:relative;top:-3.32pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">15.5&#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="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">15.5&#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:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">111.2&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">111.2&#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 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Mark-to-market adjustment on ABS notes</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">100.0&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(184.9)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Adjusted income 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 #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(170.0)</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 colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(97.7)</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:#eaeaea;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">95.1</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(113.6)</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><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Normalized income tax 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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(45.9)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(26.4)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">25.7&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(30.7)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Adjusted Net Income</font></td><td colspan="3" style="display:none"></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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(124.1)</font></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(71.3)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">69.4</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-bottom:3pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(82.9)</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><font><br></font></div><div><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note&#58; Numbers may not foot or cross-foot due to rounding.</font></div><div><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> Certain prior-period financial information has been reclassified to conform to current period presentation.</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="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:'TT Commons Pro',sans-serif;font-size:9pt;font-weight:400;line-height:120%">17</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:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:700;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:700;line-height:120%">RECONCILIATION OF NON-GAAP FINANCIAL MEASURES</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;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 #6cdb8b;padding:0 1pt"></td></tr></table></div><div style="padding-left:13.5pt;text-indent:-13.5pt"><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: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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Three Months Ended</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">December 31,</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Twelve Months Ended</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">December 31,</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;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="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2023</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2022</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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2023</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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2022</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;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="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">49.3&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">%</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">57.8&#160;</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">%</font></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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">50.6&#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"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">75.2&#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"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">%</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Total Revenue</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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">262.6</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">261.9</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">1,056.9</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">952.5</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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></tr><tr style="height:12pt"><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="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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Total Operating Expense</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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">129.4</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">151.4</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">534.3</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">715.9</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="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 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(4.8)</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="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(6.9)</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="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(18.0)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(27.6)</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><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Workforce 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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(6.8)</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="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(22.5)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(1.9)</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 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Acquisition and integration related expenses</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(6.6)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(7.3)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(27.6)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(29.7)</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><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Other non-recurring charges </font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:6.17pt;font-weight:400;line-height:100%;position:relative;top:-3.32pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(10.5)</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="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(14.4)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(111.2)</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;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Total Adjusted Operating Expense</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:#000000;font-family:'TT 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Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">137.2</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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 #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">451.8</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">545.5</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">&#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="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"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">38.4</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">52.4</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">42.7</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;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:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">57.3</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">%</font></td></tr></table></div><div style="padding-left:13.5pt;text-indent:-13.5pt"><font><br></font></div><div><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note&#58; Numbers may not foot or cross-foot due to rounding.</font></div><div><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> Certain prior-period financial information has been reclassified to conform to current period presentation.</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:'TT Commons Pro',sans-serif;font-size:9pt;font-weight:400;line-height:120%">18</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="padding-left:4.5pt;padding-right:4.5pt;text-align:center;text-indent:-9pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:13pt;font-weight:700;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:13pt;font-weight:700;line-height:120%">RECONCILIATION OF NON-GAAP FINANCIAL MEASURES</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:13pt;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 #6cdb8b;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Three Months Ended</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">December 31,</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Twelve Months Ended</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">December 31,</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2023</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2022</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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2023</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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2022</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(41.8)</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(8.4)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(180.0)</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(77.7)</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><td 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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.25pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(41.8)</font></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(8.4)</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:1pt solid #929292;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:1pt solid #929292;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(180.0)</font></td><td style="background-color:#eaeaea;border-top:1pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:1pt solid #929292;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:1pt solid #929292;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(77.7)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">38,485,406&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">33,231,661&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">36,875,950&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">32,825,772&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">38,485,406&#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:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">33,231,661&#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:#eaeaea;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">36,875,950&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">32,825,772&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(1.09)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(0.25)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(4.88)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(2.37)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(1.09)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(0.25)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(4.88)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(2.37)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Three Months Ended</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">December 31,</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Twelve Months Ended</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">December 31,</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2023</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 #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2022</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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2023</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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">2022</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(1.09)</font></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(0.25)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(4.88)</font></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(2.37)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Adjusted 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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(20.6)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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 style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(124.1)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">69.4&#160;</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">38,485,406&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">33,231,661&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">36,875,950&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">32,825,772&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">29,322&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">252,357&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">66,569&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">173,092&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">38,485,406&#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:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">33,327,552&#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:#eaeaea;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">36,875,950&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">33,251,221&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(0.54)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">0.14&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(3.37)</font></td><td style="background-color:#eaeaea;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td style="background-color:#eaeaea;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="background-color:#eaeaea;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">2.09&#160;</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;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:'TT Commons Pro',sans-serif;font-size:9pt;font-weight:400;line-height:120%">19</font></div></div></div><div id="ied48cfe251b04733b5b881fc2127d58d_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:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:700;line-height:120%">Oportun Financial Corporation</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;font-weight:700;line-height:120%">RECONCILIATION OF FORWARD LOOKING NON-GAAP FINANCIAL MEASURES</font></div><div style="text-align:center"><font style="color:#000000;font-family:'TT Commons Pro DemiBold',sans-serif;font-size:13pt;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 #6cdb8b;padding:0 1pt"></td></tr></table></div><div style="margin-top:5pt"><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:95.694%"><tr><td style="width:1.0%"></td><td style="width:40.409%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.815%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.526%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.541%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.526%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.541%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.526%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.541%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.526%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.549%"></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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">1Q 2024</font></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></td><td colspan="9" style="background-color:#eaeaea;padding:2px 1pt;text-align:center;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">FY 2024</font></td><td colspan="3" style="background-color:#eaeaea;padding:0 1pt"></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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">High</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">High</font></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Net (loss)*</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(35.8)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">*</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(34.2)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">*</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(54.2)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">*</font></td><td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">$</font></td><td style="padding:2px 0;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(46.3)</font></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">*</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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><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><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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(14.7)</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">(14.3)</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 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1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">13.4&#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="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">13.4&#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="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">48.7&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">48.7&#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></tr><tr><td colspan="3" style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Depreciation and amortization</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;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="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">50.9&#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="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">50.9&#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></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 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Stock-based compensation 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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">5.4&#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="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">5.4&#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="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">18.5&#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:#000000;font-family:'TT Commons 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0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">0.8&#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 colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">0.8&#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 colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">0.8&#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 colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">0.8&#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></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 2px 19pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Other non-recurring charges</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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">3.6&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">3.6&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">8.2&#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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">8.2&#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></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:18pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Fair value mark-to-market adjustment*</font></div></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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">*</font></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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">*</font></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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">*</font></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:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">*</font></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">Adjusted EBITDA</font></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(14.0)</font></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">(12.0)</font></td><td style="border-top:1pt 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:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">60.0</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">$</font></td><td style="border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:700;line-height:100%">70.0</font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">&#160;</font></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:3pt double #000;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><td colspan="3" style="display:none"></td></tr></table></div><div style="padding-left:9pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:9pt;font-weight:400;line-height:120%">* </font><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Due to the uncertainty in macroeconomic conditions, we are unable to precisely forecast the fair value mark-to-market adjustments on our loan portfolio and asset-backed notes. As a result, while we fully expect there to be a fair value mark-to-market adjustment which could have an impact on GAAP net income (loss), the net income (loss) number shown above assumes no change in the fair value mark-to-market adjustment.</font></div><div style="text-align:center"><font><br></font></div><div><font style="color:#000000;font-family:'TT Commons Pro',sans-serif;font-size:10pt;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="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:'TT Commons Pro',sans-serif;font-size:9pt;font-weight:400;line-height:120%">20</font></div></div></div></body></html>
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  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2023" schemaLocation="https://xbrl.sec.gov/dei/2023/dei-2023.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="oprt-20240312_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="oprt-20240312_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="DocumentandEntityInformationDocument" roleURI="http://oportun.com/role/DocumentandEntityInformationDocument">
        <link:definition>0000001 - Document - Document and Entity Information Document</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
</xs:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>4
<FILENAME>oprt-20240312_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2024 Workiva-->
<!--r:df6d01f9-7a80-4e10-8337-5c6d19f0ab41,g:8a3697e0-4638-4dbc-86f2-093243045292-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel"/>
  <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_SecurityExchangeName_99bec22a-7b25-4052-b6d4-0c6e4201755e_terseLabel_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2023/dei-2023.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_Security12bTitle_09eecf6a-6cc4-4f83-b4eb-7f783c563172_terseLabel_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2023/dei-2023.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_WrittenCommunications_b6fbe8c0-ee96-499e-b3bb-363fac2869c4_terseLabel_en-US" xlink:label="lab_dei_WrittenCommunications" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2023/dei-2023.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_LocalPhoneNumber_48b29172-8e69-419a-97f3-4dd5ca5941ed_terseLabel_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2023/dei-2023.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_TradingSymbol_a72d07fb-dcf2-4dec-858d-2b9cee363e9e_terseLabel_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
    <link:label id="lab_dei_TradingSymbol_label_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_TradingSymbol" xlink:to="lab_dei_TradingSymbol" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_d50c325d-b4c9-4ff2-b522-204b99290011_terseLabel_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2023/dei-2023.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_EntityAddressStateOrProvince_7b5f731e-64f9-402c-b1fb-6a02d70c8739_terseLabel_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2023/dei-2023.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_PreCommencementIssuerTenderOffer_ac61b380-83e3-4cde-8ac4-34830dc81344_terseLabel_en-US" xlink:label="lab_dei_PreCommencementIssuerTenderOffer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2023/dei-2023.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_DocumentPeriodEndDate_1c4bff73-67b7-40b6-82ad-f2765cf9b482_terseLabel_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2023/dei-2023.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_CoverAbstract_80cc9475-a03e-4eba-8742-4ffb068ffbe0_terseLabel_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2023/dei-2023.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_EntityEmergingGrowthCompany_3ec97d37-c307-4efd-92b7-b03823e8e2f5_terseLabel_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2023/dei-2023.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_PreCommencementTenderOffer_b431331f-f943-4e34-8b31-46edc419b67d_terseLabel_en-US" xlink:label="lab_dei_PreCommencementTenderOffer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2023/dei-2023.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_SolicitingMaterial_2592f166-65c2-4e3d-9edc-34f677547f8a_terseLabel_en-US" xlink:label="lab_dei_SolicitingMaterial" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2023/dei-2023.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_CityAreaCode_7a2e4e72-c1d6-4d30-b855-890b8c7e1760_terseLabel_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2023/dei-2023.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_EntityAddressPostalZipCode_35bf6a23-09b0-491c-9838-7be01191f077_terseLabel_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2023/dei-2023.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_DocumentType_c7f3fe34-8ff7-4b31-8837-95c5f03c58e5_terseLabel_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2023/dei-2023.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_AmendmentFlag_d3c8ecac-fb63-4b94-b01a-f99b33def4de_terseLabel_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2023/dei-2023.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_EntityCentralIndexKey_d87efe12-d954-4739-a572-865175315b91_terseLabel_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:label id="lab_dei_EntityCentralIndexKey_label_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCentralIndexKey" xlink:to="lab_dei_EntityCentralIndexKey" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityFileNumber_8e42e94b-eb7f-462c-823e-4e6853771007_terseLabel_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:label id="lab_dei_EntityFileNumber_label_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityFileNumber" xlink:to="lab_dei_EntityFileNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressCityOrTown_9d5f754f-b758-47ce-ae63-71ecde200928_terseLabel_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Entity Address, City or Town</link:label>
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<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm140662761949584">
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<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>Mar. 12, 2024</div></th>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></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="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></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="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Mar. 12,  2024<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></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="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001538716<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-39050<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></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="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">45-3361983<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">2 Circle Star Way<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">San Carlos,<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">CA<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">94070<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">650<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></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="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, $0.0001 par value per share<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">OPRT<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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_AmendmentFlag</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_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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>
</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_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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_CoverAbstract</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:stringItemType</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_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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_DocumentPeriodEndDate</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:dateItemType</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_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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_DocumentType</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:submissionTypeItemType</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_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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_EntityAddressAddressLine1</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_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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_EntityAddressCityOrTown</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_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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>
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<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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>
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<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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>
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<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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>
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<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="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="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>
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<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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>
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<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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>
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<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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>
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<td>dei_</td>
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<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td>duration</td>
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