Preview
PLD-C-001
ATTORNEY OR PARTY WITHOUT ATTORNEY (Name, State Bar number, and address) FOR COURT USE ONLY
Andrew J. Gramajo, 338144
Aldridge | Pite | Haan, LLP
Physical Address: 8880 Rio San Diego Dr, Ste 725, San Diego, CA 92108
Mailing Address: P.O. Box 7389, Marietta, GA 30065
APH File No.: 23-55700
TELEPHONE NO 800-844-0045 ‘AX NO. (Optional) 470-240-3441
E-MAIL ADDR) (Optional) agramajo@aph-law.com Electronically Filed
ATTORNEY FOR (Name) PORTUN, INC 4/17/2024 10:56 AM
SUPERIOR COURT OF CALIFORNIA, COUNTY OF Stanislaus Superior Court of California
STREET ADDRESS: 801 10th Street
County of Stanislaus
MAILING ADDRESS 801 10th Street Clerk of the Court
CITY AND ZIP CODE: Modesto, CA 95354 By: Dora Perez, Deputy
BRANCH NAME:
PLAINTIFF: OPORTUN, INC
DEFENDANT(S): Anel Benigno Blanco
DOES 1TO
CONTRACT
COMPLAINT [-_JAMENDED COMPLAINT (Number):
$370 PAID
[___]cross-coMPLAINT [__ ]AMENDED CROSS-COMPLAI (Number):
Jurisdiction (check all that apply):
ACTION IS A LIMITED CIVIL CASE CASE NUMBER
Amount demanded does not exceed $10,000
CV-24-002933
xX exceeds $10,000 but does not exceed $35,000
ACTION IS AN UNLIMITED CIVIL CASE (exceeds $35,000)
ACTION IS RECLASSIFIED by this amended complaint or cross-complaint
from limited to unlimited
from unlimited to limited
Plaintiff (name or names):
OPORTUN, INC
alleges causes of action against defendant* (name or names):
Anel Benigno Blanco
This pleading, including attachments and exhibits, consists of the following number of pages: —
a. Each plaintiff named above is a competent adult
X_] except plaintiff (name): OPORTUN, INC
dy xX la corporation qualified to do business in California
Q) lan unincorporated entity (describe):
GB) lother (specify):
Plaintiff (name):
as complied with the fictitious business name laws and is doing business under the fictitious name (specify):
as complied with all licensing requirements as a licensed (specify): Bank
nformation about additional plaintiffs who are not competent adults is shown in Attachment 3c.
a. Each defendant named above is a natural person
lexcept defendant (name): lexcept defendant (name):
()| lb business organization, form unknown ()| lb business organization, form unknown
(2)| la corporation (2)| lh corporation
(3)| lan unincorporated entity (describe) G)| lan unincorporated entity (describe):
(4)L__)} public entity (describe): (4)____h public entity (describe):
(S)L_]other (specify): (S)L__]other (specify):
Speiller, Stacy
Ts cave nas yea pyrDe Juoge
Depanment, _- fr al pupotes including Tia
* If this form is used as a cross-complaint, plaintiff means cross-complaint and def. = = ose Lof2
Form Approved for Optional Use
Judicial Council of California COMPLAINT-Contract Code of Civil Procedure, § 425.12
PLD-C-001 (Rev. January 1, 2024]
PLD-C-001
SHORT TITLE. CASE NUMBER
OPORTUN, INC vs. Anel Benigno Blanco
4 (Continued)
b. The true names of defendants sued as Does are unknown to plaintiff.
1) [-__] Doe defendants (specify Doe numbers): __ —— were the agents or employees of the named
defendants and acted within the scope of that agency or employment.
(2) [J Doe defendants (specify Doe numbers): — ee are persons whose capacities are unknown to
plaintiff.
c. Information about additional defendants who are not natural persons is contained in Attachment 4c.
d. Defendants who are joined under Code of Civil Procedure section 382 are (names):
Plaintiff is required to comply with a claims statute, and
a. has complied with applicable claims statutes, or
b. is excused from complying because (speci
6 [J This action is subject to [LJ Civil Code section 1812. L_] Civil Code section 2984.4.
This court is the proper court because
a. a defendant entered into the contract here.
a defendant lived here when the contract was entered into.
a defendant lives here now.
the contract was to be performed here.
a defendant is a corporation or unincorporated association and its principal place of business is here.
real property that is the subject of this action is located here.
other (specify):
8 The following causes of action are attached and the statements above apply to each (each complaint must have one or
more causes of action attached):
xX Breach of Contract
x Common Counts
Other (specify):
9. [ _] Other allegations:
0. Plaintiff prays for judgment for costs of suit; for such reliefas is fair, just, and equitable; and for
a. xX damages of: $10,417.68
b. interest on the damages
qd) according to proof
(2) at the rate of (specify): percent per year from (date):
c. | ] attorney's fees
qd) of:
(2) according to proof.
d. [2X7 other (specify): Costs of this action.
11 The paragraphs of this pleading alleged on information and belief are as follows (specify paragraph numbers):
Paragraph 7.
Date: 4/1/2024
Andrew J. Gramajo, 338144 > s/ Andrew J. Gramajo
(TYPE OR PRINT NAME) (SIGNATURE OF PLAINTIFF OR ATTORNEY)
Uf-you wish to verify this pleading, affix a verification.)
PLD-C-001 [Rev. January 1, 2024] COMPLAINT-Contract Page 2 of 2
PLD-C-001(1)
SHORT TITLE. CASE NUMBER
PORTUN, INC vs. Anel Benigno Blanco
CAUSE OF ACTION- BREACH OF CONTRACT
(oumber)
ATTACHMENT TO omplaint [___]cross-Complaint
(Use a separate cause of action form for each cause of action.)
BC-l. Plaintiff (name): OPORTUN, INC
alleges that on or about (date): June 24, 2022
a.[_X_] written [ J oral [ ] other (specifi
agreement was made between (name parties to agreement):
OPORTUN, INC and Anel Benigno Blanco
X_]A copy of the agreement is attached as Exhibit A, or
The essential terms of the agreement [___Jare stated in Attachment BC-1_ [___ are as follows (specify):
BC-2. On or about (dares): June 30, 2023,
defendant breached the agreement by [___] the acts specified in Attachment BC-2 the following acts
(specify):
Defendant is indebted to Plaintiff on a loan agreement and promissory note. Defendant is in default by virtue of
failure to make payments pursuant to the terms of the agreement.
BC-3 Plaintiff has performed all obligations to defendant except those obligations plaintiff was prevented or
excused from performing.
BC-4 Plaintiff suffered damages legally (proximately) caused by defendant's breach of the agreement
as stated in Attachment BC-4 as follows (specify):
In the amount of $10,417.68, as shown in Exhibit "B".
BC-5 Plaintiffis entitled to attorney fees by an agreement or a statute
of $
according to proof.
BC-6 Other
Costs of this action.
Page 1 of 1
Form Approved for Optional Use CAUSE OF ACTION-Breach of Contract Code of Civil Procedure, § 425.12
Judicial Council of California www courtinfo.ca.gov
PLD-C-001(1) (Rev. January 1, 2007]
PLD-C-001(2)
SHORT TITLE. CASE NUMBER
OPORTUN, INC vs. Anel Benigno Blanco
CAUSE OF ACTION-Common Counts
(oumber)
ATTACHMENT TO omplaint [___]cross-Complaint
(Use a separate cause of action form for each cause of action.)
CC-1. Plaintiff (name): OPORTUN, INC
alleges that defendant (name): Anel Benigno Blanco
became indebted to laintiff. other (name):
a. within the last four years
qd) on an open book account for money due.
(2) because an account was stated in writing by and between plaintiff
and defendant in which it
was agreed that defendant was indebted to plaintiff.
b. X__} within the last two years four years
qa) for money had and received by defendant for the use and benefit of plaintiff.
(2) for work, labor, services and materials rendered at the special instance and request of defendant
and for which defendant promised to pay plaintiff.
the sum of $
the reasonable value.
(3) for goods, wares, and merchandise sold and delivered to defendant and for which defendant
promised to pay plaintiff
the sum of $
the reasonable value.
(4) xX for money lent by plaintiff to defendant at defendant's request.
(5) for money paid, laid out, and expended to or for defendant at defendant's special instance and
request.
(6) [___Jother (specify):
CC-2. $10,417.68, which is the reasonable value, is due and unpaid despite plaintiffs demand,
plus prejudgment interest according to proof at the rate of ee percent per year
from (date):
CC-3. Plaintiff is entitled to attorney fees by an agreement or a statute
of $
according to proof.
CC-4. X__} Other: Costs of this action.
23-$5700_CASUIT_March 27, 2024
Page Lof 1
Form Approved for Optional Use CAUSE OF ACTION-Common Counts Code of Civil Procedure, § 425.12
Judicial Council of California www courtinfo.ca.gov
PLD-C-001(2) (Rev. January 1, 2009]
EXHIBIT “A”
DocuSign Envelope ID: 5253CB66-1556-4239-9E52-A14D01AACE7F THIS IS A COPY
The Authoritative Copy of this record is held at na2.docusign.net
Electro! Records and nature Disclosure / Divulga n de firma y de registros electrénicos
You have indicated you wish to receive and sign the Communications Usted ha manifestado su deseo de recibir y firmar electronicamente
relating to your Loan with us electronically. We are required by law to las comunicaciones relacionadas con el préstamo que usted tiene con
give you certain information “in writing” — which means you are entitled nosotros. La ley nos exige que le demos cierta informacion “por
to receive it on paper. We need your consent in order to provide you escrito”, lo cual significa que usted tiene el derecho de recibirla en
this information electronically, instead. We also need your general papel. Necesitamos su consentimiento a fin de proporcionarle esta
consent to use electronic records and signatures in our relationship informacién, en cambio, en forma electronica. También requerimos su
with you. Whether or not you consent does not affect your ability consentimiento general para utilizar firmas y registros electronicos en
to obtain a Loan from us. You may complete the Loan application nuestra relacion con usted. Se dé o no, el consentimiento no afecta
process, and review and sign your Loan documents if approved, on su capacidad para obtener un préstamo de nosotros. Usted
paper at one of our retail locations instead. podria, en cambio, completar el proceso de solicitud del préstamo y
revisar y firmar sus documentos de préstamo en papel, si este es
aprobado, en cualquiera de nuestras localidades.
In this Consent, the words and "our" means Oportun, Inc. En este consentimiento, las palabras “nosotros” y “nuestro(a)" se
and any of its assignees. The words "you" and "your" means the refieren a Oportun, Inc. y a cualquiera de sus cesionarios. Las
person giving consent. “Loan” means the application for, and the palabras "usted" y "s' se refieren a la persona que esta dando el
origination, closing and servicing of, the consumer loan for which you consentimiento. “Préstamo” se refiere a la solicitudjy la apertura,
have applied. “Communications” means each disclosure, notice, cierre y servicio del préstamo de cliente que usted ha solicitado.
agreement, record, document or other information related to the Loan “Comunicaciones” significa cada divulgacidn),notificacibn, acuerdo,
that was provided electronically. registro, documento u otra informacién relacionada con el préstamo
que haya sido suministrada electronicamente.
Scope of your consent Alcance de su consen' nto
Your consent applies to all of the Communications we provide to you, Su consentimiento es aplicable a todas las Comunicaciones que
or that you sign or agree to or submit at our request, in connection nosotros le suministremos 0 que usted firme, acllerde o envie a
with the Loan. We may also use electronic signatures and obtain solicitud nuestra, en conexi6n«on el préstamo. También podemos
them from you on any Communication. Your consent only applies to utilizar firmas electrénicas y obtenerlas dewusted en cualquier
Communications related to this Loan -- it does not apply to other comunicacion. Su consentimiento solamente aplica a comunicaciones
transactions that you may wish to enter into with us. rélacionadas con este préstamo.\No aplica a otras transacciones que
usted pueda tener con nosotros.
We may always, in our sole discretion, provide you with any Podriamos siempre, a nuestra discreci6n, suministrarle
Communications on paper, even if you have authorized electronic comunicaciones en papel, aun cuando usted haya autorizado el envio
delivery. Sometimes the law, or our agreement with youprequires you electronico. Algunas veces la ley o nuestro contrato con usted le
to give us a written notice. You must still providesthese noticés,to us exigen que nos dé una notificacion por escrito. Usted todavia debe
on paper, unless we tell you how to deliversthe notice \to us brindarnos estas notificaciones en papel, a menos que le digamos
electronically. cémo enviarnoslas electronicamente.
At any time before you sign yournLoan agreement electronically, En cualquier momento antes de firmar electrénicamente su
you have the right to obtain and review a paper copy of the Loan contrato de préstamo, usted tiene el derecho de obtener y revisar
agreement and the related disclosures\(a “Review Copy”). If you una copia en papel de su contrato de préstamo y de las
are signing your Loan agreement in-person aja retail location, divulgaciones relacionadas (una “Copia para Revisar”). Si usted
you may ask/your agent to print you a Review Copy. If you are desea firmar su contrato de préstamo en persona en una
signing your Loan agreement remotely, you may obtain a Review locali jad, puede solicitarle al agente que le imprima una Copia a
Copy by visi g any of our retail locations or by following the Revisar. Si firma su contrato de préstamo de manera remota,
instructions we provide below. You may keep the Review Copy puede obtener una Copia para Revisar itando cualquiera de
whether of not you decide to proceed with the Loan. If you decide to nuestras localidades o siguiendo las instrucciones que le
proceed with the Loan,and you sign the Loan agreement suministramos a continuaci6n. Usted puede conservar la Copia
electronically, weywill/also provide you with an opportunity to keep an para Revisar asi sea que decida o no proseguir con el préstamo. Si
electronic copy of the Loan agreement and disclosures for future decide proseguir con el préstamo y firma electronicamente el contrato
reference. de préstamo, nosotros también le daremos la oportunidad de guardar
una copia electronica del contrato de préstamo y de las divulgaciones,
para referencias futuras.
How we will notify you that we have sent Communications to you Como le notificaremos que le hemos enviado comunicaciones
electronically electronicas
When we wish to send you Communications electronically to devices Cuando deseemos enviarle comunicaciones electrénicas, a
that we do not provide as part of an in-person experience at a retail dispositivaSsque no brindemos como parte de una experiencia en
location, we will send a message to the electronic address that you persopa eft una localidad, enviaremos un mensaje a la direcci6n
have designated for the receipt of Communications. The electronic electronica que usted haya sefialado para recibir dichas
address may be an email address or a mobile phone number for the céminicaciones. La direccién electronica puede ser un correo
delivery of SMS text messages. The message will provide instructions’ eleCtronico o un numero de teléfono movil para el envio de mensajes
on how to access the Communications we sent to you, which may. de texto. El mensaje le dara instrucciones sobre cémo acceder a las
include accessing the Communications at a secure website onthrough comunicaciones que le hemos enviado, lo cual puede incluir acceder
a software application. You agree that we can send Communications alas comunicaciones en un sitio de Internet seguro o a través de una
to you this way, including by sending SMS text messages to the aplicacion de software. Usted acuerda que nosotros le podamos
telephone number you have provided to us using an autodialer. enviar comunicaciones de este modo, incluyendo el envio de
mensajes de texto al numero telefonico que nos ha suministrado,
Page 1 of 16
OP104B-CA v2.0 (Rev. 08-2020)
© 2016-2020 Oportun, Inc. All rights reserved. ZEUS
DocuSign Envelope ID: 5253CB66-1556-4239-9E52-A14D01AACE7F THIS IS A COPY
The Authoritative Copy of this record is held at na2.docusign.net
usando un marcador automatico (autodialer).
How to request paper copie: Cémo solicitar copias en papel
After you have provided your consent to receive Communications Una vez que haya proporcionado su consentimiento para recibir
electronically, you may request paper copies of any electronically- comunicaciones por via electronica, usted puede solicitar copias en
provided Communications by calling us at 1-888-564-0084 or request papel de las comunicaciones proporcionadas
paper copies at any retail location. We will not charge you a fee for electroénicamente llamandonos al 1-888-564-0084 o puede solicitar
obtaining paper copies. copias en papel en cualquier localidad. Nosotros no
le cobraremos una tarifa para obtener copias en papel.
How to Print and/ or Retain Communications Com primir ylo conservar comunicaciones
After you have provided your consent to receive Communications Después de que haya dado su consentimiento para recibir
electronically, you may, at no charge to you, access a copy of any comunicaciones en forma electronica, usted podra acceder sin ningun
Communication we provided or made available to you electronically, cargo a una copia de cualquier comunicacién que le hayamos
and if you have the required software and hardware, you may print or suministrado 0 que se encuentre a su disposicion en forma electronica
retain electronically such a copy by following the following procedures y, si tiene el software y hardware requeridos, usted puede imprimir o
(please note this process supports Android and iOS operating systems conservar electrénicamente dicha copia, siguiendo los procedimientos
for mobile devices, and Mac and Windows operating systems for a continuacion (por favor tenga en cuenta que este proceso es
desktops or laptops): compatible con los sistemas operativos Android y iOS para
dispositivos méviles, y con los sistemas operativos Mac y Windows
para computadores y portatiles):
Our electronic signature provider, DocuSign, will make a menu of DocuSign, nuestro proveedor de firmaselectronica, pondraa
options available to retain and print your documents for review. disposicién un ment de opciones» para conservar e imprimir los
documentos para revision.
Android Android
Using your Android device, you'll have the option to print from Usando su dispositivo Androidglisted tendra la opcion de imprimir
DocuSign's main menu. If you prefer to save a PDF file, click on Print desde el ment principal de DocuSign. Si prefiere guardar un archivo
in the DocuSign main menu to access a PDF file, and then save the PDF, haga clic en “Print” (Imprimir) engl mend principal de DocuSign
PDF to your device to keep an electronic copy. paf@acceder aun archivo PDF, yilego guarde el PDF en su
dispositivo para conservafuna copia electronica.
ios ios
Using your iOS mobile device, such as an iPhone, you'll have the Usando su dispositivo mévil iOS, como un iPhone, usted tendra la
option to print from DocuSign’s main menu by clicking Printjand then opcién de imprimir desde el ment principal de DocuSign, haciendo
using your device's menu to select a configured prifiter. If you prefer to clic en “Print” (Imprimir), y luego utilizando el ment de su dispositivo
retain a PDF file, use the print option to ac¢ess the PDF file and then para seleccionar una impresora ya configurada. Si prefiere conservar
use the “Open in...” feature to load the PDE in your preferred iOS un archivo PDF, use la opcién de imprimir para acceder al archivo
application to save PDF files to,your device. Popular options include PDF y luego utilice la opcién “Open in...” (Abrir en) para cargar el
iBooks, iCloud, Dropbox, Evernote, and,more. PDF en su aplicaci6n iOS preferida, para guardar los archivos PDF en
su dispositivo. Algunas de las opciones mas populares incluyen a
iBooks, iCloud, Dropbox, Evernote, y mas.
Desktop and Laptop Users, Usuarios de computadores y portatiles
On your personal computer, you.can.uSe your browser's features to En su computador personal, usted puede utilizar las opciones de su
print and ‘save or alternatively use print and save features built into the navegador para imprimir y guardar o utilizar alternativamente las
website itself. The options to print and download will be conveniently opciones de imprimir y guardar que se encuentran dentro del mismo
displayed before you start signing. sitio web. Las opciones para imprimir y descargar apareceran
convenientemente antes de que usted empiece a firmar.
How to withdraw your consent; consequences of withdrawing Como retirar su consentimiento; consecuencias de retirar su
your consent consentimiento
After you have given your consent to receive Communications from us Después de que nos haya dado su consentimiento para recibir
electronically, you may change your mind at any time and tell us that comunicaciones en forma electronica, usted puede cambiar de
thereafter you wish to receive Communications only in paper format. opinion en cualquier momento y decirnos que a partir de ese
To inform us that you no longer wish to receive Communications in momento desea recibir las comunicaciones solamente en papel. Para
electronic format, simply visit a retail location where you can complete informarn®s que ya no desea seguir recibiendo comunicaciones en
your transaction and receive paper Communications, or call us at 1- forma eleotforiica, simplemente visite una de nuestras localidades,
888-564-0084. You may also withdraw your consent to receive SMS doride\podra completar su transaccion y recibir comunicaciones en
text messages at your telephone number by giving us notice using any pafiel\ollamenos al 1-888-564-0084. También puede retirar su
reasonable means. We will not charge you any fees if you choose tq tohsentimiento para recibir mensajes de texto en su numero
withdraw your consent to receive Communications electronically. telefonico, notificandonos mediante cualquier medio razonable. No le
cobraremos ningun cargo si usted desea retirar su consentimiento
para recibir comunicaciones electronicas.
How to advise us of your new e-mail address and telephone Como informarnos sobre su nuevo correo electrénico y numero
number telefonico
You must keep your e-mail address and telephone number current Usted debe tener actualizados tanto su correo electronico como su
Page 2 of 16
OP104B-CA v2.0 (Rev. 08-2020)
© 2016-2020 Oportun, Inc. All rights reserved. ZEUS
DocuSign Envelope ID: 5253CB66-1556-4239-9E52-A14D01AACE7F THIS IS A COPY
The Authoritative Copy of this record is held at na2.docusign.net
with us. To change the e-mail address or telephone number where we numero telefénico con nosotros. Para cambiar el correo electrénico 0
should send Communications electronically to you, please notify us by el numero telefénico a los cuales nosotros debamos enviarle las
calling 1-888-564-0084. comunicaciones electrénicas, por favor notifiquenos llamando al 1-
888-564-0084.
Minimum required hardware and software Hardware y software minimos requeridos
If you are signing your Loan agreement in-person at a retail location, Si firma su contrato de préstamo en persona en una localidad, todas
all Communications associated with finalizing your Loan will be las comunicaciones relacionadas con la finalizacion de su préstamo
provided on an electronic device that we provide to you. se brindaran en un dispositivo electronico que le proporcionemos
To receive and review electronic Communications on electronic Para recibir y revisar comunicaciones electronicas en los dispositivos
devices that we do not provide to you, you must have access to: electronicos que no le proporcionemos, usted debe tener acceso a:
. Valid e-mail address; . Un correo electrénico valido;
. Ability to receive SMS text messages on a device with an . Capacidad para recibir mensajes de texto en un dispositivo
active mobile phone number; con un numero de teléfono movil activo;
A mobile device that utilizes a Current Version of an Un dispositivo mévil que utilice una version actual de un
operating system we support, an internet browser we support sistema operativo que sea compatible con el nuestro, un
(with per session cookies enabled), and a PDF reader; navegador de Internet igualmente compatible (con cookies
por sesi6n habilitados), y un lector de PDF;
On the mobile device, the ability to increase the font size of En el dispositivo movil, la capacidad para aumentar el
documents and/or magnify portions of screens, if desired; tamaiio de la letra de los documentos,y/o magnificar partes
and de la pantalla, si se desea; y
. A printer, if you wish to print copies. . Una impresora, si desea imprimir copias.
By “Current Version," we mean a version of the software that is Por "version actual," nos referimos a una\version, de software que esté
currently being supported by its publisher. siendo actualmente respaldada por su editor,
From time to time, we may offer services or features that require that Ocasionalmente, podemos ofrecer.sétvicios U Opciones que requieren
your Internet browser be configured in a particular way, such as que su navegador de Internet esté configurado de una determinada
permitting the use of JavaScript or cookies, or require the use of a manera, por ejemplo que permita el uso de JavaScript 0 cookies, 0
particular software application on your mobile device. We will provide que requiera el.uso de una aplicacion.deé software en particular, en su
instructions to you when necessary on how to configure your mobile dispositivo movil. Nosotros le daremios instrucciones cuando sea
device or download any required software application. necesario, sobre como Configurar su dispositivo mévil o como
descarganuna aplicacion de software que sea indispensable.
Your consent to use of electronic Communications and Su consentimiento para el uso de comunicaciones y firmas
electronic signature: electronicas
By checking the box and signing to agree to use electronic fecords Al marcar la casilla y al firmar que esta de acuerdo con el uso de
and signatures, you confirm that: firmas y registros electrénicos, usted confirma que:
1 you can access, have read and understand the terms and 1 Puede acceder, ha leido y ha entendido los términos y
conditions of this Electronic Records and Signature Disclosure; condiciones de esta divulgaci6n de firma y de registros
electronicos;
you have the hardwafe and software described above, including Tiene el hardware y el software descritos anteriormente, que
an active email account and a PDPyreader; and incluye una cuenta de correo electrénico activa y un lector de
PDF; y
you consent fo,the use of electronic Communications and Da su consentimiento para el uso de comunicaciones y firmas
electronic signatures in connection with the Loan. electronicas en conexi6n con el préstamo.
BORROWER SIGNATURE / FIRMA DEL DEUDOR:
DocuSigned by:
ful Burightiplanco 02/27/2021
AGAF1SA1D42E421
Borrower (Deudor) Date (Fecha)
Page 3 of 16
OP104B-CA v2.0 (Rev. 08-2020)
© 2016-2020 Oportun, Inc. All rights reserved. ZEUS
DocuSign Envelope ID: 5253CB66-1556-4239-9E52-A14D01AACE7F THIS IS A COPY
The Authoritative Copy of this record is held at na2.docusign.net
2 ily, ‘e
OP: 4, @
“anys
é RTUN RESUMEN DE PRESTAMO & CALENDARIO DE PAGOS
LOAN SUMMARY & PAYMENT SCHEDULE
Deudor (Borrower): Anel Benigno Blanco No. de Préstamo (Loan No.): Igggjos42
Codeudor (Co-Borrower): NIA Fecha del Préstamo (Loan Date): 02/27/2021
Resumen del Préstamo (Loan Summary)
Refinanciaci6n del préstamo anterior: $0.00 Refinance of Prior Loan
Monto del préstamo entregado a usted: $4,200.00 Loan Proceeds Given to You
Tarifa administrativa: $75.00 Administrative Fee
Total del préstamo: Total Loan Amount
Tasa de interés anual: 34.57% (2.88% cada mes/ Annual Interest Rate
per month)
Plazo del préstamo (meses): 34 Loan Term (Months)
Numero total de pagos: 71 Number of Payments
Su pago regular: $95.00 Regular Payment Amount
Intervalo de pagos: Cada dos semanas (Every two weeks) Payment Period
Dias de pagos: Cada otro Sabado (Every other Days Payments Are Due
Saturday)
Primer dia de pago: 03/27/2021 First Payméht Due
Ultimo dia de pago: 12/02/2023 Last Payment Due
Calendario de Pagos (Payment Schedule)
Pagos Interés Capital
(Payments) (Total interest) (Principal)
$6,689.35 $2,414.35 $4,275.00
No. Dia de la Semana Fecha de Pago Pago Interés Capital Saldo De Capital
(Day of Week) (Due Date) (Payment) (Interest) (Principal) (Principal Balance)
Saldo inicial (Starting $4,275.00
Balance)
Sabado (Saturday) 03/27/2021 $95.00: $95.00 $0.00 $4,275.00
Sabado (Saturday) 04/10/2021 $95.00 $75.06 $19.94 $4,255.06
Sabado (Saturday) 04/24/2021 $95.00 $56.42 $38.58 $4,216.48
Sabado (Saturday) 05/08/2021 $95.00 $55.91 $39.09 $4,177.39
Sabado (Saturday) 05/22/2021 $95.00 $55.39 $39.61 $4,137.78
SAbadd\(saturday) 06/05/2021 $95.00 $54.87 $40.13 $4,097.65
Sabado (Saturday) 06/19/2021 $95.00 $54.33 $40.67 $4,056.98
Sabado (Saturday) 07/03/2021 $95.00 $53.79 $41.21 $4,015.78
Sabado (Saturday) 07/17/2021 $95.00 $53.25 $41.75 $3,974.02
10 ‘Sabado (Saturday) 07/31/2021 $95.00 $52.69 $42.31 $3,931.72
11 Salbado\(Saturday) 08/14/2021 $95.00 $52.13 $42.87 $3,888.85
12 Sabado (Saturday) 08/28/2021 $95.00 $51.57 $43.43 $3,845.42
13 Sabado (Saturday) 09/11/2021 $95.00 $50.99 $44.01 $3,801.41
14 Sabado (Saturday) 09/25/2021 $95.00 $50.41 $44.59 $3,756.81
15 Sabado (Saturday) 10/09/2021 $95.00 $49.81 $45.19 $3,711.63
16 Sabado (Saturday) 10/23/2021 $95.00 $49.22 $45.78 $3,665.84
17 Sabado (Saturday) 11/06/2021 $95.00 $48.61 $46.39 $3,619.45
18 Sabado (Saturday) 11/20/2021 $95.00 $47.99 $47.01 $3,572.45
19 Sabado (Saturday) 12/04/2021 $95.00 $47.37 $47.63 $3,524.82
20 Sabado (Saturday) 12/18/2021 $95.00 S44 $48.26 $3,476.56
21 Sabado (Saturday) 01/01/2022 $95.00 $4610 $48.90 $3,427.65
22 Sabado (Saturday) 01/15/2022 $95.00 $45.45 $49.55 $3,378.10
23 Sabado (Saturday) 01/29/2022 $95,900. $44.79 $50.21 $3,327.90
24 Sabado (Saturday) 02/12/2022 $95,900 $44.13 $50.87 $3,277.02
25 Sabado (Saturday) 02/26/2022 $95.00 $43.45 $51.55 $3,225.48
26 Sabado (Saturday) 03/12/2022 $95.00 $42.77 $52.23 $3,173.25
27 Sabado (Saturday) 03/26/2022 $95.00 $42.08 $52.92 $3,120.32
Page 4 of 16
OP104B-CA v2.0 (Rev. 08-2020)
© 2016-2020 Oportun, Inc. All rights reserved. ZEUS
DocuSign Envelope ID: 5253CB66-1556-4239-9E52-A14D01AACE7F THIS IS A COPY
The Authoritative Copy of this record is held at na2.docusign.net
No. Dia de la Semana Fecha de Pago Pago Interés Capital Saldo De Capital
(Day of Week) (Due Date) (Payment) (Interest) (Principal) (Principal Balance)
28 Sabado (Saturday) 04/09/2022 $95.00
Preview
PLD-C-001 ATTORNEY OR PARTY WITHOUT ATTORNEY (Name, State Bar number, and address) FOR COURT USE ONLY Andrew J. Gramajo, 338144 Aldridge | Pite | Haan, LLP Physical Address: 8880 Rio San Diego Dr, Ste 725, San Diego, CA 92108 Mailing Address: P.O. Box 7389, Marietta, GA 30065 APH File No.: 23-55700 TELEPHONE NO 800-844-0045 ‘AX NO. (Optional) 470-240-3441 E-MAIL ADDR) (Optional) agramajo@aph-law.com Electronically Filed ATTORNEY FOR (Name) PORTUN, INC 4/17/2024 10:56 AM SUPERIOR COURT OF CALIFORNIA, COUNTY OF Stanislaus Superior Court of California STREET ADDRESS: 801 10th Street County of Stanislaus MAILING ADDRESS 801 10th Street Clerk of the Court CITY AND ZIP CODE: Modesto, CA 95354 By: Dora Perez, Deputy BRANCH NAME: PLAINTIFF: OPORTUN, INC DEFENDANT(S): Anel Benigno Blanco DOES 1TO CONTRACT COMPLAINT [-_JAMENDED COMPLAINT (Number): $370 PAID [___]cross-coMPLAINT [__ ]AMENDED CROSS-COMPLAI (Number): Jurisdiction (check all that apply): ACTION IS A LIMITED CIVIL CASE CASE NUMBER Amount demanded does not exceed $10,000 CV-24-002933 xX exceeds $10,000 but does not exceed $35,000 ACTION IS AN UNLIMITED CIVIL CASE (exceeds $35,000) ACTION IS RECLASSIFIED by this amended complaint or cross-complaint from limited to unlimited from unlimited to limited Plaintiff (name or names): OPORTUN, INC alleges causes of action against defendant* (name or names): Anel Benigno Blanco This pleading, including attachments and exhibits, consists of the following number of pages: — a. Each plaintiff named above is a competent adult X_] except plaintiff (name): OPORTUN, INC dy xX la corporation qualified to do business in California Q) lan unincorporated entity (describe): GB) lother (specify): Plaintiff (name): as complied with the fictitious business name laws and is doing business under the fictitious name (specify): as complied with all licensing requirements as a licensed (specify): Bank nformation about additional plaintiffs who are not competent adults is shown in Attachment 3c. a. Each defendant named above is a natural person lexcept defendant (name): lexcept defendant (name): ()| lb business organization, form unknown ()| lb business organization, form unknown (2)| la corporation (2)| lh corporation (3)| lan unincorporated entity (describe) G)| lan unincorporated entity (describe): (4)L__)} public entity (describe): (4)____h public entity (describe): (S)L_]other (specify): (S)L__]other (specify): Speiller, Stacy Ts cave nas yea pyrDe Juoge Depanment, _- fr al pupotes including Tia * If this form is used as a cross-complaint, plaintiff means cross-complaint and def. = = ose Lof2 Form Approved for Optional Use Judicial Council of California COMPLAINT-Contract Code of Civil Procedure, § 425.12 PLD-C-001 (Rev. January 1, 2024] PLD-C-001 SHORT TITLE. CASE NUMBER OPORTUN, INC vs. Anel Benigno Blanco 4 (Continued) b. The true names of defendants sued as Does are unknown to plaintiff. 1) [-__] Doe defendants (specify Doe numbers): __ —— were the agents or employees of the named defendants and acted within the scope of that agency or employment. (2) [J Doe defendants (specify Doe numbers): — ee are persons whose capacities are unknown to plaintiff. c. Information about additional defendants who are not natural persons is contained in Attachment 4c. d. Defendants who are joined under Code of Civil Procedure section 382 are (names): Plaintiff is required to comply with a claims statute, and a. has complied with applicable claims statutes, or b. is excused from complying because (speci 6 [J This action is subject to [LJ Civil Code section 1812. L_] Civil Code section 2984.4. This court is the proper court because a. a defendant entered into the contract here. a defendant lived here when the contract was entered into. a defendant lives here now. the contract was to be performed here. a defendant is a corporation or unincorporated association and its principal place of business is here. real property that is the subject of this action is located here. other (specify): 8 The following causes of action are attached and the statements above apply to each (each complaint must have one or more causes of action attached): xX Breach of Contract x Common Counts Other (specify): 9. [ _] Other allegations: 0. Plaintiff prays for judgment for costs of suit; for such reliefas is fair, just, and equitable; and for a. xX damages of: $10,417.68 b. interest on the damages qd) according to proof (2) at the rate of (specify): percent per year from (date): c. | ] attorney's fees qd) of: (2) according to proof. d. [2X7 other (specify): Costs of this action. 11 The paragraphs of this pleading alleged on information and belief are as follows (specify paragraph numbers): Paragraph 7. Date: 4/1/2024 Andrew J. Gramajo, 338144 > s/ Andrew J. Gramajo (TYPE OR PRINT NAME) (SIGNATURE OF PLAINTIFF OR ATTORNEY) Uf-you wish to verify this pleading, affix a verification.) PLD-C-001 [Rev. January 1, 2024] COMPLAINT-Contract Page 2 of 2 PLD-C-001(1) SHORT TITLE. CASE NUMBER PORTUN, INC vs. Anel Benigno Blanco CAUSE OF ACTION- BREACH OF CONTRACT (oumber) ATTACHMENT TO omplaint [___]cross-Complaint (Use a separate cause of action form for each cause of action.) BC-l. Plaintiff (name): OPORTUN, INC alleges that on or about (date): June 24, 2022 a.[_X_] written [ J oral [ ] other (specifi agreement was made between (name parties to agreement): OPORTUN, INC and Anel Benigno Blanco X_]A copy of the agreement is attached as Exhibit A, or The essential terms of the agreement [___Jare stated in Attachment BC-1_ [___ are as follows (specify): BC-2. On or about (dares): June 30, 2023, defendant breached the agreement by [___] the acts specified in Attachment BC-2 the following acts (specify): Defendant is indebted to Plaintiff on a loan agreement and promissory note. Defendant is in default by virtue of failure to make payments pursuant to the terms of the agreement. BC-3 Plaintiff has performed all obligations to defendant except those obligations plaintiff was prevented or excused from performing. BC-4 Plaintiff suffered damages legally (proximately) caused by defendant's breach of the agreement as stated in Attachment BC-4 as follows (specify): In the amount of $10,417.68, as shown in Exhibit "B". BC-5 Plaintiffis entitled to attorney fees by an agreement or a statute of $ according to proof. BC-6 Other Costs of this action. Page 1 of 1 Form Approved for Optional Use CAUSE OF ACTION-Breach of Contract Code of Civil Procedure, § 425.12 Judicial Council of California www courtinfo.ca.gov PLD-C-001(1) (Rev. January 1, 2007] PLD-C-001(2) SHORT TITLE. CASE NUMBER OPORTUN, INC vs. Anel Benigno Blanco CAUSE OF ACTION-Common Counts (oumber) ATTACHMENT TO omplaint [___]cross-Complaint (Use a separate cause of action form for each cause of action.) CC-1. Plaintiff (name): OPORTUN, INC alleges that defendant (name): Anel Benigno Blanco became indebted to laintiff. other (name): a. within the last four years qd) on an open book account for money due. (2) because an account was stated in writing by and between plaintiff and defendant in which it was agreed that defendant was indebted to plaintiff. b. X__} within the last two years four years qa) for money had and received by defendant for the use and benefit of plaintiff. (2) for work, labor, services and materials rendered at the special instance and request of defendant and for which defendant promised to pay plaintiff. the sum of $ the reasonable value. (3) for goods, wares, and merchandise sold and delivered to defendant and for which defendant promised to pay plaintiff the sum of $ the reasonable value. (4) xX for money lent by plaintiff to defendant at defendant's request. (5) for money paid, laid out, and expended to or for defendant at defendant's special instance and request. (6) [___Jother (specify): CC-2. $10,417.68, which is the reasonable value, is due and unpaid despite plaintiffs demand, plus prejudgment interest according to proof at the rate of ee percent per year from (date): CC-3. Plaintiff is entitled to attorney fees by an agreement or a statute of $ according to proof. CC-4. X__} Other: Costs of this action. 23-$5700_CASUIT_March 27, 2024 Page Lof 1 Form Approved for Optional Use CAUSE OF ACTION-Common Counts Code of Civil Procedure, § 425.12 Judicial Council of California www courtinfo.ca.gov PLD-C-001(2) (Rev. January 1, 2009] EXHIBIT “A” DocuSign Envelope ID: 5253CB66-1556-4239-9E52-A14D01AACE7F THIS IS A COPY The Authoritative Copy of this record is held at na2.docusign.net Electro! Records and nature Disclosure / Divulga n de firma y de registros electrénicos You have indicated you wish to receive and sign the Communications Usted ha manifestado su deseo de recibir y firmar electronicamente relating to your Loan with us electronically. We are required by law to las comunicaciones relacionadas con el préstamo que usted tiene con give you certain information “in writing” — which means you are entitled nosotros. La ley nos exige que le demos cierta informacion “por to receive it on paper. We need your consent in order to provide you escrito”, lo cual significa que usted tiene el derecho de recibirla en this information electronically, instead. We also need your general papel. Necesitamos su consentimiento a fin de proporcionarle esta consent to use electronic records and signatures in our relationship informacién, en cambio, en forma electronica. También requerimos su with you. Whether or not you consent does not affect your ability consentimiento general para utilizar firmas y registros electronicos en to obtain a Loan from us. You may complete the Loan application nuestra relacion con usted. Se dé o no, el consentimiento no afecta process, and review and sign your Loan documents if approved, on su capacidad para obtener un préstamo de nosotros. Usted paper at one of our retail locations instead. podria, en cambio, completar el proceso de solicitud del préstamo y revisar y firmar sus documentos de préstamo en papel, si este es aprobado, en cualquiera de nuestras localidades. In this Consent, the words and "our" means Oportun, Inc. En este consentimiento, las palabras “nosotros” y “nuestro(a)" se and any of its assignees. The words "you" and "your" means the refieren a Oportun, Inc. y a cualquiera de sus cesionarios. Las person giving consent. “Loan” means the application for, and the palabras "usted" y "s' se refieren a la persona que esta dando el origination, closing and servicing of, the consumer loan for which you consentimiento. “Préstamo” se refiere a la solicitudjy la apertura, have applied. “Communications” means each disclosure, notice, cierre y servicio del préstamo de cliente que usted ha solicitado. agreement, record, document or other information related to the Loan “Comunicaciones” significa cada divulgacidn),notificacibn, acuerdo, that was provided electronically. registro, documento u otra informacién relacionada con el préstamo que haya sido suministrada electronicamente. Scope of your consent Alcance de su consen' nto Your consent applies to all of the Communications we provide to you, Su consentimiento es aplicable a todas las Comunicaciones que or that you sign or agree to or submit at our request, in connection nosotros le suministremos 0 que usted firme, acllerde o envie a with the Loan. We may also use electronic signatures and obtain solicitud nuestra, en conexi6n«on el préstamo. También podemos them from you on any Communication. Your consent only applies to utilizar firmas electrénicas y obtenerlas dewusted en cualquier Communications related to this Loan -- it does not apply to other comunicacion. Su consentimiento solamente aplica a comunicaciones transactions that you may wish to enter into with us. rélacionadas con este préstamo.\No aplica a otras transacciones que usted pueda tener con nosotros. We may always, in our sole discretion, provide you with any Podriamos siempre, a nuestra discreci6n, suministrarle Communications on paper, even if you have authorized electronic comunicaciones en papel, aun cuando usted haya autorizado el envio delivery. Sometimes the law, or our agreement with youprequires you electronico. Algunas veces la ley o nuestro contrato con usted le to give us a written notice. You must still providesthese noticés,to us exigen que nos dé una notificacion por escrito. Usted todavia debe on paper, unless we tell you how to deliversthe notice \to us brindarnos estas notificaciones en papel, a menos que le digamos electronically. cémo enviarnoslas electronicamente. At any time before you sign yournLoan agreement electronically, En cualquier momento antes de firmar electrénicamente su you have the right to obtain and review a paper copy of the Loan contrato de préstamo, usted tiene el derecho de obtener y revisar agreement and the related disclosures\(a “Review Copy”). If you una copia en papel de su contrato de préstamo y de las are signing your Loan agreement in-person aja retail location, divulgaciones relacionadas (una “Copia para Revisar”). Si usted you may ask/your agent to print you a Review Copy. If you are desea firmar su contrato de préstamo en persona en una signing your Loan agreement remotely, you may obtain a Review locali jad, puede solicitarle al agente que le imprima una Copia a Copy by visi g any of our retail locations or by following the Revisar. Si firma su contrato de préstamo de manera remota, instructions we provide below. You may keep the Review Copy puede obtener una Copia para Revisar itando cualquiera de whether of not you decide to proceed with the Loan. If you decide to nuestras localidades o siguiendo las instrucciones que le proceed with the Loan,and you sign the Loan agreement suministramos a continuaci6n. Usted puede conservar la Copia electronically, weywill/also provide you with an opportunity to keep an para Revisar asi sea que decida o no proseguir con el préstamo. Si electronic copy of the Loan agreement and disclosures for future decide proseguir con el préstamo y firma electronicamente el contrato reference. de préstamo, nosotros también le daremos la oportunidad de guardar una copia electronica del contrato de préstamo y de las divulgaciones, para referencias futuras. How we will notify you that we have sent Communications to you Como le notificaremos que le hemos enviado comunicaciones electronically electronicas When we wish to send you Communications electronically to devices Cuando deseemos enviarle comunicaciones electrénicas, a that we do not provide as part of an in-person experience at a retail dispositivaSsque no brindemos como parte de una experiencia en location, we will send a message to the electronic address that you persopa eft una localidad, enviaremos un mensaje a la direcci6n have designated for the receipt of Communications. The electronic electronica que usted haya sefialado para recibir dichas address may be an email address or a mobile phone number for the céminicaciones. La direccién electronica puede ser un correo delivery of SMS text messages. The message will provide instructions’ eleCtronico o un numero de teléfono movil para el envio de mensajes on how to access the Communications we sent to you, which may. de texto. El mensaje le dara instrucciones sobre cémo acceder a las include accessing the Communications at a secure website onthrough comunicaciones que le hemos enviado, lo cual puede incluir acceder a software application. You agree that we can send Communications alas comunicaciones en un sitio de Internet seguro o a través de una to you this way, including by sending SMS text messages to the aplicacion de software. Usted acuerda que nosotros le podamos telephone number you have provided to us using an autodialer. enviar comunicaciones de este modo, incluyendo el envio de mensajes de texto al numero telefonico que nos ha suministrado, Page 1 of 16 OP104B-CA v2.0 (Rev. 08-2020) © 2016-2020 Oportun, Inc. All rights reserved. ZEUS DocuSign Envelope ID: 5253CB66-1556-4239-9E52-A14D01AACE7F THIS IS A COPY The Authoritative Copy of this record is held at na2.docusign.net usando un marcador automatico (autodialer). How to request paper copie: Cémo solicitar copias en papel After you have provided your consent to receive Communications Una vez que haya proporcionado su consentimiento para recibir electronically, you may request paper copies of any electronically- comunicaciones por via electronica, usted puede solicitar copias en provided Communications by calling us at 1-888-564-0084 or request papel de las comunicaciones proporcionadas paper copies at any retail location. We will not charge you a fee for electroénicamente llamandonos al 1-888-564-0084 o puede solicitar obtaining paper copies. copias en papel en cualquier localidad. Nosotros no le cobraremos una tarifa para obtener copias en papel. How to Print and/ or Retain Communications Com primir ylo conservar comunicaciones After you have provided your consent to receive Communications Después de que haya dado su consentimiento para recibir electronically, you may, at no charge to you, access a copy of any comunicaciones en forma electronica, usted podra acceder sin ningun Communication we provided or made available to you electronically, cargo a una copia de cualquier comunicacién que le hayamos and if you have the required software and hardware, you may print or suministrado 0 que se encuentre a su disposicion en forma electronica retain electronically such a copy by following the following procedures y, si tiene el software y hardware requeridos, usted puede imprimir o (please note this process supports Android and iOS operating systems conservar electrénicamente dicha copia, siguiendo los procedimientos for mobile devices, and Mac and Windows operating systems for a continuacion (por favor tenga en cuenta que este proceso es desktops or laptops): compatible con los sistemas operativos Android y iOS para dispositivos méviles, y con los sistemas operativos Mac y Windows para computadores y portatiles): Our electronic signature provider, DocuSign, will make a menu of DocuSign, nuestro proveedor de firmaselectronica, pondraa options available to retain and print your documents for review. disposicién un ment de opciones» para conservar e imprimir los documentos para revision. Android Android Using your Android device, you'll have the option to print from Usando su dispositivo Androidglisted tendra la opcion de imprimir DocuSign's main menu. If you prefer to save a PDF file, click on Print desde el ment principal de DocuSign. Si prefiere guardar un archivo in the DocuSign main menu to access a PDF file, and then save the PDF, haga clic en “Print” (Imprimir) engl mend principal de DocuSign PDF to your device to keep an electronic copy. paf@acceder aun archivo PDF, yilego guarde el PDF en su dispositivo para conservafuna copia electronica. ios ios Using your iOS mobile device, such as an iPhone, you'll have the Usando su dispositivo mévil iOS, como un iPhone, usted tendra la option to print from DocuSign’s main menu by clicking Printjand then opcién de imprimir desde el ment principal de DocuSign, haciendo using your device's menu to select a configured prifiter. If you prefer to clic en “Print” (Imprimir), y luego utilizando el ment de su dispositivo retain a PDF file, use the print option to ac¢ess the PDF file and then para seleccionar una impresora ya configurada. Si prefiere conservar use the “Open in...” feature to load the PDE in your preferred iOS un archivo PDF, use la opcién de imprimir para acceder al archivo application to save PDF files to,your device. Popular options include PDF y luego utilice la opcién “Open in...” (Abrir en) para cargar el iBooks, iCloud, Dropbox, Evernote, and,more. PDF en su aplicaci6n iOS preferida, para guardar los archivos PDF en su dispositivo. Algunas de las opciones mas populares incluyen a iBooks, iCloud, Dropbox, Evernote, y mas. Desktop and Laptop Users, Usuarios de computadores y portatiles On your personal computer, you.can.uSe your browser's features to En su computador personal, usted puede utilizar las opciones de su print and ‘save or alternatively use print and save features built into the navegador para imprimir y guardar o utilizar alternativamente las website itself. The options to print and download will be conveniently opciones de imprimir y guardar que se encuentran dentro del mismo displayed before you start signing. sitio web. Las opciones para imprimir y descargar apareceran convenientemente antes de que usted empiece a firmar. How to withdraw your consent; consequences of withdrawing Como retirar su consentimiento; consecuencias de retirar su your consent consentimiento After you have given your consent to receive Communications from us Después de que nos haya dado su consentimiento para recibir electronically, you may change your mind at any time and tell us that comunicaciones en forma electronica, usted puede cambiar de thereafter you wish to receive Communications only in paper format. opinion en cualquier momento y decirnos que a partir de ese To inform us that you no longer wish to receive Communications in momento desea recibir las comunicaciones solamente en papel. Para electronic format, simply visit a retail location where you can complete informarn®s que ya no desea seguir recibiendo comunicaciones en your transaction and receive paper Communications, or call us at 1- forma eleotforiica, simplemente visite una de nuestras localidades, 888-564-0084. You may also withdraw your consent to receive SMS doride\podra completar su transaccion y recibir comunicaciones en text messages at your telephone number by giving us notice using any pafiel\ollamenos al 1-888-564-0084. También puede retirar su reasonable means. We will not charge you any fees if you choose tq tohsentimiento para recibir mensajes de texto en su numero withdraw your consent to receive Communications electronically. telefonico, notificandonos mediante cualquier medio razonable. No le cobraremos ningun cargo si usted desea retirar su consentimiento para recibir comunicaciones electronicas. How to advise us of your new e-mail address and telephone Como informarnos sobre su nuevo correo electrénico y numero number telefonico You must keep your e-mail address and telephone number current Usted debe tener actualizados tanto su correo electronico como su Page 2 of 16 OP104B-CA v2.0 (Rev. 08-2020) © 2016-2020 Oportun, Inc. All rights reserved. ZEUS DocuSign Envelope ID: 5253CB66-1556-4239-9E52-A14D01AACE7F THIS IS A COPY The Authoritative Copy of this record is held at na2.docusign.net with us. To change the e-mail address or telephone number where we numero telefénico con nosotros. Para cambiar el correo electrénico 0 should send Communications electronically to you, please notify us by el numero telefénico a los cuales nosotros debamos enviarle las calling 1-888-564-0084. comunicaciones electrénicas, por favor notifiquenos llamando al 1- 888-564-0084. Minimum required hardware and software Hardware y software minimos requeridos If you are signing your Loan agreement in-person at a retail location, Si firma su contrato de préstamo en persona en una localidad, todas all Communications associated with finalizing your Loan will be las comunicaciones relacionadas con la finalizacion de su préstamo provided on an electronic device that we provide to you. se brindaran en un dispositivo electronico que le proporcionemos To receive and review electronic Communications on electronic Para recibir y revisar comunicaciones electronicas en los dispositivos devices that we do not provide to you, you must have access to: electronicos que no le proporcionemos, usted debe tener acceso a: . Valid e-mail address; . Un correo electrénico valido; . Ability to receive SMS text messages on a device with an . Capacidad para recibir mensajes de texto en un dispositivo active mobile phone number; con un numero de teléfono movil activo; A mobile device that utilizes a Current Version of an Un dispositivo mévil que utilice una version actual de un operating system we support, an internet browser we support sistema operativo que sea compatible con el nuestro, un (with per session cookies enabled), and a PDF reader; navegador de Internet igualmente compatible (con cookies por sesi6n habilitados), y un lector de PDF; On the mobile device, the ability to increase the font size of En el dispositivo movil, la capacidad para aumentar el documents and/or magnify portions of screens, if desired; tamaiio de la letra de los documentos,y/o magnificar partes and de la pantalla, si se desea; y . A printer, if you wish to print copies. . Una impresora, si desea imprimir copias. By “Current Version," we mean a version of the software that is Por "version actual," nos referimos a una\version, de software que esté currently being supported by its publisher. siendo actualmente respaldada por su editor, From time to time, we may offer services or features that require that Ocasionalmente, podemos ofrecer.sétvicios U Opciones que requieren your Internet browser be configured in a particular way, such as que su navegador de Internet esté configurado de una determinada permitting the use of JavaScript or cookies, or require the use of a manera, por ejemplo que permita el uso de JavaScript 0 cookies, 0 particular software application on your mobile device. We will provide que requiera el.uso de una aplicacion.deé software en particular, en su instructions to you when necessary on how to configure your mobile dispositivo movil. Nosotros le daremios instrucciones cuando sea device or download any required software application. necesario, sobre como Configurar su dispositivo mévil o como descarganuna aplicacion de software que sea indispensable. Your consent to use of electronic Communications and Su consentimiento para el uso de comunicaciones y firmas electronic signature: electronicas By checking the box and signing to agree to use electronic fecords Al marcar la casilla y al firmar que esta de acuerdo con el uso de and signatures, you confirm that: firmas y registros electrénicos, usted confirma que: 1 you can access, have read and understand the terms and 1 Puede acceder, ha leido y ha entendido los términos y conditions of this Electronic Records and Signature Disclosure; condiciones de esta divulgaci6n de firma y de registros electronicos; you have the hardwafe and software described above, including Tiene el hardware y el software descritos anteriormente, que an active email account and a PDPyreader; and incluye una cuenta de correo electrénico activa y un lector de PDF; y you consent fo,the use of electronic Communications and Da su consentimiento para el uso de comunicaciones y firmas electronic signatures in connection with the Loan. electronicas en conexi6n con el préstamo. BORROWER SIGNATURE / FIRMA DEL DEUDOR: DocuSigned by: ful Burightiplanco 02/27/2021 AGAF1SA1D42E421 Borrower (Deudor) Date (Fecha) Page 3 of 16 OP104B-CA v2.0 (Rev. 08-2020) © 2016-2020 Oportun, Inc. All rights reserved. ZEUS DocuSign Envelope ID: 5253CB66-1556-4239-9E52-A14D01AACE7F THIS IS A COPY The Authoritative Copy of this record is held at na2.docusign.net 2 ily, ‘e OP: 4, @ “anys é RTUN RESUMEN DE PRESTAMO & CALENDARIO DE PAGOS LOAN SUMMARY & PAYMENT SCHEDULE Deudor (Borrower): Anel Benigno Blanco No. de Préstamo (Loan No.): Igggjos42 Codeudor (Co-Borrower): NIA Fecha del Préstamo (Loan Date): 02/27/2021 Resumen del Préstamo (Loan Summary) Refinanciaci6n del préstamo anterior: $0.00 Refinance of Prior Loan Monto del préstamo entregado a usted: $4,200.00 Loan Proceeds Given to You Tarifa administrativa: $75.00 Administrative Fee Total del préstamo: Total Loan Amount Tasa de interés anual: 34.57% (2.88% cada mes/ Annual Interest Rate per month) Plazo del préstamo (meses): 34 Loan Term (Months) Numero total de pagos: 71 Number of Payments Su pago regular: $95.00 Regular Payment Amount Intervalo de pagos: Cada dos semanas (Every two weeks) Payment Period Dias de pagos: Cada otro Sabado (Every other Days Payments Are Due Saturday) Primer dia de pago: 03/27/2021 First Payméht Due Ultimo dia de pago: 12/02/2023 Last Payment Due Calendario de Pagos (Payment Schedule) Pagos Interés Capital (Payments) (Total interest) (Principal) $6,689.35 $2,414.35 $4,275.00 No. Dia de la Semana Fecha de Pago Pago Interés Capital Saldo De Capital (Day of Week) (Due Date) (Payment) (Interest) (Principal) (Principal Balance) Saldo inicial (Starting $4,275.00 Balance) Sabado (Saturday) 03/27/2021 $95.00: $95.00 $0.00 $4,275.00 Sabado (Saturday) 04/10/2021 $95.00 $75.06 $19.94 $4,255.06 Sabado (Saturday) 04/24/2021 $95.00 $56.42 $38.58 $4,216.48 Sabado (Saturday) 05/08/2021 $95.00 $55.91 $39.09 $4,177.39 Sabado (Saturday) 05/22/2021 $95.00 $55.39 $39.61 $4,137.78 SAbadd\(saturday) 06/05/2021 $95.00 $54.87 $40.13 $4,097.65 Sabado (Saturday) 06/19/2021 $95.00 $54.33 $40.67 $4,056.98 Sabado (Saturday) 07/03/2021 $95.00 $53.79 $41.21 $4,015.78 Sabado (Saturday) 07/17/2021 $95.00 $53.25 $41.75 $3,974.02 10 ‘Sabado (Saturday) 07/31/2021 $95.00 $52.69 $42.31 $3,931.72 11 Salbado\(Saturday) 08/14/2021 $95.00 $52.13 $42.87 $3,888.85 12 Sabado (Saturday) 08/28/2021 $95.00 $51.57 $43.43 $3,845.42 13 Sabado (Saturday) 09/11/2021 $95.00 $50.99 $44.01 $3,801.41 14 Sabado (Saturday) 09/25/2021 $95.00 $50.41 $44.59 $3,756.81 15 Sabado (Saturday) 10/09/2021 $95.00 $49.81 $45.19 $3,711.63 16 Sabado (Saturday) 10/23/2021 $95.00 $49.22 $45.78 $3,665.84 17 Sabado (Saturday) 11/06/2021 $95.00 $48.61 $46.39 $3,619.45 18 Sabado (Saturday) 11/20/2021 $95.00 $47.99 $47.01 $3,572.45 19 Sabado (Saturday) 12/04/2021 $95.00 $47.37 $47.63 $3,524.82 20 Sabado (Saturday) 12/18/2021 $95.00 S44 $48.26 $3,476.56 21 Sabado (Saturday) 01/01/2022 $95.00 $4610 $48.90 $3,427.65 22 Sabado (Saturday) 01/15/2022 $95.00 $45.45 $49.55 $3,378.10 23 Sabado (Saturday) 01/29/2022 $95,900. $44.79 $50.21 $3,327.90 24 Sabado (Saturday) 02/12/2022 $95,900 $44.13 $50.87 $3,277.02 25 Sabado (Saturday) 02/26/2022 $95.00 $43.45 $51.55 $3,225.48 26 Sabado (Saturday) 03/12/2022 $95.00 $42.77 $52.23 $3,173.25 27 Sabado (Saturday) 03/26/2022 $95.00 $42.08 $52.92 $3,120.32 Page 4 of 16 OP104B-CA v2.0 (Rev. 08-2020) © 2016-2020 Oportun, Inc. All rights reserved. ZEUS DocuSign Envelope ID: 5253CB66-1556-4239-9E52-A14D01AACE7F THIS IS A COPY The Authoritative Copy of this record is held at na2.docusign.net No. Dia de la Semana Fecha de Pago Pago Interés Capital Saldo De Capital (Day of Week) (Due Date) (Payment) (Interest) (Principal) (Principal Balance) 28 Sabado (Saturday) 04/09/2022 $95.00