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Benefits Overview2023Effective Jan 2023-Dec 2023For prospective employees

Cigna High PPO 500Cigna Low PPO 1500Kaiser HMO (CAonly) Annualdeductible$500/person$1,000 family max$1,500/person$3,000 family max$0/person$0 family maxOut-of-pocketmaximum$3,500/person$7,000 family max$4,000/person$8,000 family max$3,000/person$6,000 family maxDoctor visits$20 PCP$20 specialist$30 PCP$30 specialist$20 PCP$20 specialistHospitalizationYou pay 20% after the deductibleYou pay 20% after the deductible$500 per dayHealth FSADependent Care2023 IRS Annual Max Contribution$3,050$5,000Hi there!We know you have options when deciding where towork. Here's what we offer at Oportun.We're thrilled you're consideringjoining our team.We believe in helping you take advantage of pre-tax savings for eligibleexpenses. Flexible Spending Account (FSA)Save tax dollars and receive an advanced loan to assist with qualifiedexpenses with an FSA. Determine your per paycheck contribution in thebeginning of the year, and then spend those funds on qualified healthexpenses or dependent care expenses as needed before the plan yearends.Pre-tax accountsThe information shown in this guide is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates aredependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.You are eligible for benefits as a full-timeemployee working at least 30 hours perweek. Coverage begins on the first day ofthe month following your date of hire.Have a family? You can also cover yourspouse or domestic partner and children toage 26.Eligibility for benefitsYou do your best work when you can beyour best self. We provide time away torelax, recharge, and take care of your lifeoutside of work. All Salaried Exempt employees (Corporate& Retail) are on a Flexible PTO Policy. Ourhourly employees are eligible to accrue upto 16 days of PTO up to a maximum accrualof 1.5x annual to 24 days. Additionally, ourFull-time Retail team members will bereceiving an annual grant of 72 hours ofpaid sick leave on January 1 of each year,up to a maximum annual cap of 72 hours.Time away from workMedical coverageChoose from three medical plans: two Cigna PPOs and one Kaiser HMO(CA only). Our plans use either the Cigna Open Access Plus Network orthe Kaiser HMO Network (CA only) and cover in-network preventive careat 100%.

We protect what matters - from mental health andfinancial protection to custom benefit plans.Wherever you are in your life, we'rehere to support you.The information shown in this guide is an illustrative summary only. The underlying plancontract or document governs all aspects of the plan. Final rates are dependent on actualenrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please referto the plan document, contract, and other notices contained in this document, applications,and other corresponding communications for additional information.Care for your smile and your eyes with regular dental and vision check-ups. Dental in-network preventative care includes 4 cleanings per year atno cost! In addition, we offer 2 vision coverage options to choose from tobest fit your vision needs.Dental & vision coverageIf you're not able to work, how will the bills get paid? We make sure you'reprotected with company-provided disability coverage. In most cases,you'll receive 60% of your paycheck up to $1,357 a week for the first 12weeks you're unable to work, then 60% if you're still unable to return towork. We also provide 2x salary life insurance at no cost, providing peace ofmind and ensuring your family is protected.Financial protectionPlan now for the life you'll want in retirement; we'll help you get there witha company match. Choose either traditional (pre-tax) or Roth (post-tax) and we'll match100% of the first 4% you contribute. Retirement savingsWe're a vibrant, diverse community devotedto excellence and innovation. Have an idea?We're all ears! Something bothering you?Speak up - we want to make it better. Our team members' unique perspectives towork each day make us a stronger team and amore successful organization. We recognize,appreciate, and celebrate the differences inour people. What it's like to work hereOur no-cost, confidential EmployeeAssistance Program (EAP) provides up to 5face-to-face or virtual visits per issue eachyear with a licensed counselor. Just need some guidance? You can alsoaccess financial and legal resources, familyand community support, and so much more.Confidentially, and at no cost to you.Mental health is health careHere at Oportun we offer a wide range of additional perks and resourcesto our employees. Pick and choose between the various options tocustomize your benefits package based on your specific needs. Additional perks & resources