1 unchanged sentence
Securities Trading Plans of Directors and Executive Officers
−Removed: During the three months ended June 30, 2025, none of our directors or officers adopted , modified or terminated a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement,” as each term is defined in Item 408(a) of Regulation S-K.
+Added: During the three months ended September 30, 2025, none of our directors or officers adopted , modified or terminated a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement,” as each term is defined in Item 408(a) of Regulation S-K.
Terms and abbreviations used in this report are defined below.
50 unchanged sentences
Certificate of Amendment to the Amended and Restated Certificate of Incorporation of Oportun Financial Corporation
+Added: 001-39050 3.1 7/18/2025
Certificate of Amendment to the Amended and Restated Certificate of Incorporation of Oportun Financial Corporation
−Removed: Loan and Security Agreement by and between Oportun PLW III Trust, Oportun PLW III Depositor, LLC, Oportun, Inc., the Lenders thereto, and Wilmington Trust, National Association, dated as of April 2, 2025 .
001-39050 3.2 7/18/2025
1 unchanged sentence
001-39050 10.1 7/14/2025
−Removed: Form of Performance-Based Restricted Stock Unit Award Agreement .
−Removed: Master Amendment to the Loan and Security Agreement by and among Oportun PLW Trust, Oportun PLW Depositor, LLC, Oportun, Inc., the Lenders thereto, and Wilmington Trust, National Association, dated as of June 2, 2025 .
−Removed: Master A m endment to the Loan and Security Agreement by and between Oportun PLW II Trust, Oportun PLW II Depositor, LLC, Oportun, Inc., the Lenders thereto, and Wilmington Trust, National Association, dated as of June 2, 2025 .
−Removed: Indenture between Oportun Issuance Trust 2025- B and Wilmington Trust, National Association, dated as of June 5 , 2025.
+Added: Amended and Restated Program Agreement , by and between Oportun, Inc.
+Added: and Pathward, National Association , dated as of August 11, 202 5 .
+Added: First Amendment to the Amended and Restated Program Agreement, by and between Oportun, Inc.
+Added: and Pathward, National Association, dated as of S eptember 26 , 2025.
+Added: Indenture between Oportun Issuance Trust 2025- C and Wilmington Trust, National Association, dated as of August 21 , 2025.
31.1 Rule 13a-14(a)/15d-14(a) Certification of the Chief Executive Officer and Director of Oportun Financial Corporation
15 unchanged sentences
OPORTUN FINANCIAL CORPORATION
−Removed: August 7, 2025 By:
+Added: November 5, 2025 By:
/s/ Joseph Schueller
3 unchanged sentences
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.