Common use of Prepayments of Certain Indebtedness Clause in Contracts

Prepayments of Certain Indebtedness. 71 6.12. Servicing Agreement and Backup Servicing Agreement 71 6.13. Independent Director 71 6.14. Sales of Receivables 72 6.15. Changes to the Credit Policies or the Servicing Policy 72 6.16. No Prepayment 72 6.17. Changes to Bank Partner Program Agreements 72 SECTION 7. EVENTS OF DEFAULT 73 7.1. Events of Default 73 SECTION 8. AGENTS 77 8.1. Appointment of Agents 77 8.2. Agents Entitled to Act as Lender 77 8.3. Powers and Duties 77 8.4. No Responsibility for Certain Matters 78 8.5. Exculpatory Provisions 78 8.6. Collateral Documents 78 8.7. Lenders' Representations, Warranties and Acknowledgments 78 8.8. Actions Taken By Lender 79 8.9. Right to Indemnity 79 8.10. Resignation of Administrative Agent and Collateral Agent 79 SECTION 9. MISCELLANEOUS 80 9.1. Notices 80 9.2. Expenses 80 9.3. Indemnity. 81 9.4. Set-Off 84 9.5. Amendments and Waivers; Administrative Agent Consents. 84 9.6. Successors and Assigns; Participations. 86 9.7. Independence of Covenants 89 9.8. Survival of Representations, Warranties and Agreements 89 9.9. No Waiver; Remedies Cumulative 89 9.10. Marshalling; Payments Set Aside 89 9.11. Severability 90 9.12. Headings 90 9.13. APPLICABLE LAW 90 9.14. CONSENT TO JURISDICTION. 90 9.15. WAIVER OF JURY TRIAL 91 9.16. Usury Savings Clause 91 9.17. Counterparts 92 9.18. Effectiveness 92 9.19. Patriot Act 92 9.20. Prior Agreements 92 9.21. Third Party Beneficiaries 92 9.22. Confidentiality 92 9.23. No Consolidation 94 9.24. ERISA 94 9.25. Amendment and Restatement 95 APPENDICES: A Revolving Commitments B Notice Addresses C Eligibility Criteria D Excess Concentration Amounts E-1 Tier 1 Collateral Performance Triggers E-2 Tier 2 Collateral Performance Triggers F Post-Closing Action Items G-I Credit Policies (Company Originations) G-II Credit Policies (FinWise Originations) EXHIBITS: A Form of Funding Notice B Form of Revolving Loan Note C Form of Borrowing Base Certificate D Form of Assignment Agreement E Form of Closing Certificate F Form of Solvency Certificate G Form of Funds Release Request This AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT, dated as of July 19, 2023 (as it may be amended, supplemented or otherwise modified in accordance with the terms hereof, this "Agreement"), is entered into among OPPORTUNITY FUNDING SPE V, LLC, a Delaware limited liability company (the "Borrower"), OPPORTUNITY FINANCIAL, LLC, a Delaware limited liability company (the "Company"), as Originator (in such capacity, the "Originator"), as Servicer (in such capacity, the "Servicer") and as a Seller (as defined herein), OPPWIN, LLC, as a Seller, MIDTOWN MADISON MANAGEMENT LLC ("Atalaya"), as Administrative Agent (in such capacity, the "Administrative Agent") and Collateral Agent (in such capacity, the "Collateral Agent"), and the Lenders (as defined herein) party hereto.

Prepayments of Certain Indebtedness. 71 6.12Modifications of Certain Indebtedness; Payments of Interest on Convertible Notes and Indebtedness 77 Section 7.10. Servicing Agreement Negative Pledge 77 Section 7.11. Amendments to Organization Documents 78 Section 7.12. Sale Leasebacks 78 Section 7.13. [Reserved] 78 Section 7.14. Accounting Changes 78 Section 7.15. OFAC 78 Article VIII Events of Default and Backup Servicing Agreement 71 6.13. Independent Director 71 6.14. Sales of Receivables 72 6.15. Changes to the Credit Policies or the Servicing Policy 72 6.16. No Prepayment 72 6.17. Changes to Bank Partner Program Agreements 72 SECTION 7. EVENTS OF DEFAULT 73 7.1Remedies 78 Section 8.01. Events of Default 73 SECTION 878 Section 8.02. AGENTS 77 8.1Remedies Upon Event of Default 81 Section 8.03. Appointment Application of Agents 77 8.2. Agents Entitled to Act as Lender 77 8.3. Powers and Duties 77 8.4. No Responsibility for Certain Matters 78 8.5. Exculpatory Provisions 78 8.6. Collateral Documents 78 8.7. Lenders' Representations, Warranties and Acknowledgments 78 8.8. Actions Taken By Lender 79 8.9. Right to Indemnity 79 8.10. Resignation of Funds 82 Article IX Administrative Agent and Other Agents 83 Section 9.01. Appointment and Authorization of Agents 83 Section 9.02. Delegation of Duties 84 Section 9.03. Liability of Agents 84 Section 9.04. Reliance by Agents 85 Section 9.05. Notice of Default 85 Section 9.06. Credit Decision; Disclosure of Information by Agents 85 Section 9.07. Indemnification of Agents 86 Section 9.08. Agents in their Individual Capacities 86 Section 9.09. Successor Agents 87 Section 9.10. Administrative Agent May File Proofs of Claim 87 Section 9.11. Release of Collateral Agent 79 SECTION 9and Guaranty 88 Article X Miscellaneous 89 Section 10.01. MISCELLANEOUS 80 9.1Amendments, Etc. 89 Section 10.02. Notices 80 9.2. Expenses 80 9.3. Indemnity. 81 9.4. Set-Off 84 9.5. Amendments and Waivers; Administrative Agent Consents. 84 9.6. Successors and Assigns; Participations. 86 9.7. Independence of Covenants 89 9.8. Survival of Representations, Warranties and Agreements 89 9.9Other Communications 91 Section 10.03. No Waiver; Cumulative Remedies Cumulative 89 9.1092 Section 10.04. Marshalling; Costs and Expenses 93 Section 10.05. Indemnification by Borrower 93 Section 10.06. Payments Set Aside 89 9.1194 Section 10.07. Successors and Assigns 95 Section 10.08. Confidentiality 98 Section 10.09. Setoff 99 Section 10.11. Integration 99 Section 10.12. Survival of Representations and Warranties 100 Section 10.13. Severability 90 9.12100 Section 10.14. Headings 90 9.13Governing Law 100 Section 10.15. APPLICABLE LAW 90 9.14Waiver of Right To Trial By Jury 100 Section 10.16. CONSENT TO JURISDICTIONBinding Effect 101 Section 10.17. 90 9.15Lender Action 101 Section 10.18. WAIVER OF JURY TRIAL 91 9.16. Usury Savings Clause 91 9.17. Counterparts 92 9.18. Effectiveness 92 9.19. Patriot PATRIOT Act 92 9.20. Prior Agreements 92 9.21. Third Party Beneficiaries 92 9.22. Confidentiality 92 9.23101 Section 10.19. No Consolidation 94 9.24Advisory or Fiduciary Responsibility 101 Section 10.20. ERISA 94 9.25. Amendment No Novation 102 Schedules Schedule 1 — Guarantors Schedule 2.01(a) — Commitments Schedule 5.02 — Authorizations; No Contravention Schedule 5.03 — Governmental Authorization; Other Consents Schedule 5.07(b) — Real Property Schedule 5.08 — Collateral Filings and Restatement 95 APPENDICES: Perfection Matters Schedule 5.10 — Taxes Schedule 5.14 — Subsidiaries and Other Equity Investments Schedule 5.17 — Intellectual Property Schedule 5.19 — Material Agreements Schedule 7.01(b) — Existing Liens Schedule 7.02(e) — Existing Investments Schedule 7.03(b) — Surviving Indebtedness Schedule 7.12 — Existing Sale Leasebacks Schedule 10.02 — Administrative Agent’s Office, Certain Addresses for Notices Exhibits Exhibit A Revolving Commitments B Notice Addresses C Eligibility Criteria D Excess Concentration Amounts E-1 Tier 1 Collateral Performance Triggers E-2 Tier 2 Collateral Performance Triggers F Post-Closing Action Items G-I Credit Policies (Company Originations) G-II Credit Policies (FinWise Originations) EXHIBITS: A — Form of Funding Prepayment Notice Exhibit B — Form of Revolving Loan Note Exhibit C Form of Borrowing Base Certificate — [Reserved] Exhibit D — Form of Assignment Agreement and Assumption Exhibit E — Form of Closing Certificate Guaranty Exhibit F — Form of Security Agreement Exhibit G — Form of Securities Pledge Agreement Exhibit H — Form of Intellectual Property Security Agreement Exhibit I — Form of Solvency Certificate G Form of Funds Release Request This AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT, dated as of July 19, 2023 Amended and Restated Senior Secured Credit Agreement (as it may be amended, supplemented or otherwise modified in accordance with the terms hereof, this "“Agreement"), ”) is entered into as of June 5, 2020 among OPPORTUNITY FUNDING SPE V, CL Media Holdings LLC, a Delaware limited liability company (the "“Borrower"”), OPPORTUNITY FINANCIAL, LLCeach financial institution from time to time party hereto as lender (each, a Delaware limited liability company (“Lender” and collectively, the "Company"“Lenders”), and Centre Lane Partners Master Credit Fund II, L.P., as Originator administrative agent for the Lenders (in such capacity, and together with its successors and assigns, the "Originator"), “Administrative Agent”) and as Servicer collateral agent for the Lenders (in such capacity, the "Servicer") and as a Seller (as defined herein), OPPWIN, LLC, as a Seller, MIDTOWN MADISON MANAGEMENT LLC ("Atalaya"), as Administrative Agent (in such capacitytogether with its successors and assigns, the "Administrative Agent") and Collateral Agent (in such capacity, the "“Collateral Agent"”), and the Lenders (as defined herein) party hereto.

Prepayments of Certain Indebtedness. Modifications of Certain Indebtedness; Payments of Interest on Convertible Notes and Indebtedness 70 Section 7.10. Negative Pledge 71 6.12Section 7.11. Servicing Agreement Amendments to Organization Documents 71 Section 7.12. Sale Leasebacks 71 Section 7.13. [Reserved] 71 Section 7.14. Accounting Changes 71 Section 7.15. OFAC 71 Article VIII Events of Default and Backup Servicing Agreement 71 6.13. Independent Director 71 6.14. Sales of Receivables Remedies 72 6.15. Changes to the Credit Policies or the Servicing Policy 72 6.16. No Prepayment 72 6.17. Changes to Bank Partner Program Agreements 72 SECTION 7. EVENTS OF DEFAULT 73 7.1Section 8.01. Events of Default 73 SECTION 872 Section 8.02. AGENTS 77 8.1Remedies Upon Event of Default 75 Section 8.03. Application of Funds 75 Article IX Administrative Agent and Other Agents 76 Section 9.01. Appointment and Authorization of Agents 76 Section 9.02. Delegation of Duties 77 Section 9.03. Liability of Agents 77 8.2Section 9.04. Reliance by Agents 78 Section 9.05. Notice of Default 78 Section 9.06. Credit Decision; Disclosure of Information by Agents 79 Section 9.07. Indemnification of Agents 79 Section 9.08. Agents Entitled to Act as Lender 77 8.3in their Individual Capacities 80 Section 9.09. Powers and Duties 77 8.4Successor Agents 80 Section 9.10. No Responsibility for Certain Matters 78 8.5. Exculpatory Provisions 78 8.6. Collateral Documents 78 8.7. Lenders' Representations, Warranties and Acknowledgments 78 8.8. Actions Taken By Lender 79 8.9. Right to Indemnity 79 8.10. Resignation of Administrative Agent May File Proofs of Claim 81 Section 9.11. Release of Collateral and Collateral Agent 79 SECTION 9Guaranty 82 Article X Miscellaneous 82 Section 10.01. MISCELLANEOUS 80 9.1Amendments, Etc. 82 Section 10.02. Notices 80 9.2. Expenses 80 9.3. Indemnity. 81 9.4. Set-Off and Other Communications 84 9.5. Amendments and Waivers; Administrative Agent Consents. 84 9.6. Successors and Assigns; Participations. 86 9.7. Independence of Covenants 89 9.8. Survival of Representations, Warranties and Agreements 89 9.9Section 10.03. No Waiver; Cumulative Remedies Cumulative 89 9.1086 Section 10.04. Marshalling; Costs and Expenses 86 Section 10.05. Indemnification by Borrower 87 Section 10.06. Payments Set Aside 89 9.1188 Section 10.07. Severability 90 9.12. Headings 90 9.13. APPLICABLE LAW 90 9.14. CONSENT TO JURISDICTION. 90 9.15. WAIVER OF JURY TRIAL 91 9.16. Usury Savings Clause 91 9.17. Counterparts 92 9.18. Effectiveness 92 9.19. Patriot Act 92 9.20. Prior Agreements 92 9.21. Third Party Beneficiaries 92 9.22Successors and Assigns 88 Section 10.08. Confidentiality 92 9.23Section 10.09. No Consolidation Setoff 92 Section 10.11. Integration 93 Section 10.12. Survival of Representations and Warranties 93 Section 10.13. Severability 93 Section 10.14. Governing Law 93 Section 10.15. Waiver of Right To Trial By Jury 94 9.24Section 10.16. ERISA Binding Effect 94 9.25Section 10.17. Amendment and Restatement 95 APPENDICES: A Revolving Commitments B Notice Addresses C Eligibility Criteria D Excess Concentration Amounts E-1 Tier 1 Collateral Performance Triggers E-2 Tier 2 Collateral Performance Triggers F Post-Closing Lender Action Items G-I Credit Policies (Company Originations) G-II Credit Policies (FinWise Originations) EXHIBITS: A Form of Funding Notice B Form of Revolving Loan Note C Form of Borrowing Base Certificate D Form of Assignment Agreement E Form of Closing Certificate F Form of Solvency Certificate G Form of Funds Release Request This AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT, dated as of July 19, 2023 (as it may be amended, supplemented or otherwise modified in accordance with the terms hereof, this "Agreement"), is entered into among OPPORTUNITY FUNDING SPE V, LLC, a Delaware limited liability company (the "Borrower"), OPPORTUNITY FINANCIAL, LLC, a Delaware limited liability company (the "Company"), as Originator (in such capacity, the "Originator"), as Servicer (in such capacity, the "Servicer") and as a Seller (as defined herein), OPPWIN, LLC, as a Seller, MIDTOWN MADISON MANAGEMENT LLC ("Atalaya"), as Administrative Agent (in such capacity, the "Administrative Agent") and Collateral Agent (in such capacity, the "Collateral Agent"), and the Lenders (as defined herein) party hereto.94

Prepayments of Certain Indebtedness. 71 6.12Modifications of Certain Indebtedness; Payments of Interest on Convertible Notes and Indebtedness 75 Section 7.10. Servicing Agreement Negative Pledge 76 Section 7.11. Amendments to Organization Documents 76 Section 7.12. Sale Leasebacks 76 Section 7.13. [Reserved] 76 Section 7.14. Accounting Changes 76 Section 7.15. OFAC 76 Article VIII Events of Default and Backup Servicing Agreement 71 6.13. Independent Director 71 6.14. Sales of Receivables 72 6.15. Changes to the Credit Policies or the Servicing Policy 72 6.16. No Prepayment 72 6.17. Changes to Bank Partner Program Agreements 72 SECTION 7. EVENTS OF DEFAULT 73 7.1Remedies 77 Section 8.01. Events of Default 73 SECTION 877 Section 8.02. AGENTS 77 8.1Remedies Upon Event of Default 80 Section 8.03. Appointment Application of Agents 77 8.2. Agents Entitled to Act as Lender 77 8.3. Powers and Duties 77 8.4. No Responsibility for Certain Matters 78 8.5. Exculpatory Provisions 78 8.6. Collateral Documents 78 8.7. Lenders' Representations, Warranties and Acknowledgments 78 8.8. Actions Taken By Lender 79 8.9. Right to Indemnity 79 8.10. Resignation of Funds 80 Article IX Administrative Agent and Other Agents 81 Section 9.01. Appointment and Authorization of Agents 81 Section 9.02. Delegation of Duties 82 Section 9.03. Liability of Agents 83 Section 9.04. Reliance by Agents 83 Section 9.05. Notice of Default 83 Section 9.06. Credit Decision; Disclosure of Information by Agents 84 Section 9.07. Indemnification of Agents 84 Section 9.08. Agents in their Individual Capacities 85 Section 9.09. Successor Agents 85 Section 9.10. Administrative Agent May File Proofs of Claim 86 Section 9.11. Release of Collateral Agent 79 SECTION 9and Guaranty 87 Article X Miscellaneous 88 Section 10.01. MISCELLANEOUS 80 9.1Amendments, Etc. 88 Section 10.02. Notices 80 9.2. Expenses 80 9.3. Indemnity. 81 9.4. Set-Off 84 9.5. Amendments and Waivers; Administrative Agent Consents. 84 9.6. Successors and Assigns; Participations. 86 9.7. Independence of Covenants Other Communications 89 9.8. Survival of Representations, Warranties and Agreements 89 9.9Section 10.03. No Waiver; Cumulative Remedies Cumulative 89 9.1091 Section 10.04. Marshalling; Costs and Expenses 91 Section 10.05. Indemnification by Borrower 92 Section 10.06. Payments Set Aside 89 9.1193 Section 10.07. Successors and Assigns 93 Section 10.08. Confidentiality 97 Section 10.09. Setoff 97 Section 10.11. Integration 98 Section 10.12. Survival of Representations and Warranties 98 Section 10.13. Severability 90 9.1298 Section 10.14. Headings 90 9.13. APPLICABLE GOVERNING LAW 90 9.14. CONSENT TO JURISDICTION. 90 9.1598 Section 10.15. WAIVER OF RIGHT TO TRIAL BY JURY TRIAL 91 9.1699 Section 10.16. Usury Savings Clause 91 9.17Binding Effect 99 Section 10.17. Counterparts 92 9.18Lender Action 99 Section 10.18. Effectiveness 92 9.19. Patriot PATRIOT Act 92 9.20. Prior Agreements 92 9.21. Third Party Beneficiaries 92 9.22. Confidentiality 92 9.2399 Section 10.19. No Consolidation 94 9.24Advisory or Fiduciary Responsibility 100 Section 10.20. ERISA 94 9.25. Amendment No Novation 100 Schedule 1 — Guarantors Schedule 2.01(a) — Commitments Schedule 5.02 — Authorizations; No Contravention Schedule 5.03 — Governmental Authorization; Other Consents Schedule 5.07(b) — Real Property Schedule 5.08 — Collateral Filings and Restatement 95 APPENDICES: Perfection Matters Schedule 5.10 — Taxes Schedule 5.14 — Subsidiaries and Other Equity Investments Schedule 5.17 — Intellectual Property Schedule 5.19 — Material Agreements Schedule 7.01(b) — Existing Liens Schedule 7.02(e) — Existing Investments Schedule 7.03(b) — Surviving Indebtedness Schedule 7.12 — Existing Sale Leasebacks Schedule 10.02 — Administrative Agent’s Office, Certain Addresses for Notices Exhibits Exhibit A Revolving Commitments B Notice Addresses C Eligibility Criteria D Excess Concentration Amounts E-1 Tier 1 Collateral Performance Triggers E-2 Tier 2 Collateral Performance Triggers F Post-Closing Action Items G-I Credit Policies (Company Originations) G-II Credit Policies (FinWise Originations) EXHIBITS: A — Form of Funding Prepayment Notice Exhibit B — Form of Revolving Loan Note Exhibit C Form of Borrowing Base Certificate — [Reserved] Exhibit D — Form of Assignment Agreement and Assumption Exhibit E — Form of Closing Certificate Guaranty Exhibit F — Form of Security Agreement Exhibit G — Form of Securities Pledge Agreement Exhibit H — Form of Intellectual Property Security Agreement Exhibit I — Form of Solvency Certificate G Form of Funds Release Request This AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT, dated as of July 19, 2023 Amended and Restated Senior Secured Credit Agreement (as it may be amended, supplemented or otherwise modified in accordance with the terms hereof, this "“Agreement"), ”) is entered into as of June 5, 2020 among OPPORTUNITY FUNDING SPE V, CL Media Holdings LLC, a Delaware limited liability company (the "“Borrower"”), OPPORTUNITY FINANCIAL, LLCeach financial institution from time to time party hereto as lender (each, a Delaware limited liability company (“Lender” and collectively, the "Company"“Lenders”), and Centre Lane Partners Master Credit Fund II, L.P., as Originator administrative agent for the Lenders (in such capacity, and together with its successors and assigns, the "Originator"), “Administrative Agent”) and as Servicer collateral agent for the Lenders (in such capacity, the "Servicer") and as a Seller (as defined herein), OPPWIN, LLC, as a Seller, MIDTOWN MADISON MANAGEMENT LLC ("Atalaya"), as Administrative Agent (in such capacitytogether with its successors and assigns, the "Administrative Agent") and Collateral Agent (in such capacity, the "“Collateral Agent"”), and the Lenders (as defined herein) party hereto.

Prepayments of Certain Indebtedness. 71 6.12Modifications of Certain Indebtedness; Payments of Interest on Convertible Notes and Indebtedness 78 Section 7.10. Servicing Agreement Negative Pledge 79 Section 7.11. Amendments to Certain Documents 79 Section 7.12. Sale Leasebacks 79 Section 7.13. [Reserved] 79 Section 7.14. Accounting Changes 79 Section 7.15. OFAC 79 Article VIII Events of Default and Backup Servicing Agreement 71 6.13. Independent Director 71 6.14. Sales of Receivables 72 6.15. Changes to the Credit Policies or the Servicing Policy 72 6.16. No Prepayment 72 6.17. Changes to Bank Partner Program Agreements 72 SECTION 7. EVENTS OF DEFAULT 73 7.1Remedies 80 Section 8.01. Events of Default 73 SECTION 880 Section 8.02. AGENTS 77 8.1Remedies Upon Event of Default 83 Section 8.03. Appointment Application of Agents 77 8.2. Agents Entitled to Act as Lender 77 8.3. Powers and Duties 77 8.4. No Responsibility for Certain Matters 78 8.5. Exculpatory Provisions 78 8.6. Collateral Documents 78 8.7. Lenders' Representations, Warranties and Acknowledgments 78 8.8. Actions Taken By Lender 79 8.9. Right to Indemnity 79 8.10. Resignation of Funds 83 Article IX Administrative Agent and Other Agents 84 Section 9.01. Appointment and Authorization of Agents 84 Section 9.02. Delegation of Duties 85 Section 9.03. Liability of Agents 86 Section 9.04. Reliance by Agents 86 Section 9.05. Notice of Default 87 Section 9.06. Credit Decision; Disclosure of Information by Agents 87 Section 9.07. Indemnification of Agents 87 Section 9.08. Agents in their Individual Capacities 88 Section 9.09. Successor Agents 88 Section 9.10. Administrative Agent May File Proofs of Claim 89 Section 9.11. Release of Collateral Agent 79 SECTION 9and Guaranty 90 Article X Miscellaneous 91 Section 10.01. MISCELLANEOUS 80 9.1Amendments, Etc. 91 Section 10.02. Notices 80 9.2. Expenses 80 9.3. Indemnity. 81 9.4. Set-Off 84 9.5. Amendments and Waivers; Administrative Agent Consents. 84 9.6. Successors and Assigns; Participations. 86 9.7. Independence of Covenants 89 9.8. Survival of Representations, Warranties and Agreements 89 9.9Other Communications 92 Section 10.03. No Waiver; Cumulative Remedies Cumulative 89 9.1094 Section 10.04. Marshalling; Costs and Expenses 94 Section 10.05. Indemnification by Borrower 95 Section 10.06. Payments Set Aside 89 9.1196 Section 10.07. Successors and Assigns 96 Section 10.08. Confidentiality 100 Section 10.09. Setoff 100 Section 10.10. Counterparts 101 Section 10.11. Integration 101 Section 10.12. Survival of Representations and Warranties 101 Section 10.13. Severability 90 9.12101 Section 10.14. Headings 90 9.13. APPLICABLE GOVERNING LAW 90 9.14. CONSENT TO JURISDICTION. 90 9.15101 Section 10.15. WAIVER OF RIGHT TO TRIAL BY JURY TRIAL 91 9.16102 Section 10.16. Usury Savings Clause 91 9.17Binding Effect 102 Section 10.17. Counterparts 92 9.18Lender Action 102 Section 10.18. Effectiveness 92 9.19. Patriot PATRIOT Act 92 9.20. Prior Agreements 92 9.21. Third Party Beneficiaries 92 9.22. Confidentiality 92 9.23102 Section 10.19. No Consolidation 94 9.24Advisory or Fiduciary Responsibility 103 Section 10.20. ERISA 94 9.25No Novation 103 Section 10.21. Amendment OID Legend 103 Schedule 1 — Guarantors Schedule 2.01(a) — Commitments Schedule 5.02 — Authorizations; No Contravention Schedule 5.03 — Governmental Authorization; Other Consents Schedule 5.07(b) — Real Property Schedule 5.08 — Collateral Filings and Restatement 95 APPENDICES: Perfection Matters Schedule 5.10 — Taxes Schedule 5.14 — Subsidiaries and Other Equity Investments Schedule 5.17 — Intellectual Property Schedule 5.19 — Material Agreements Schedule 7.01(b) — Existing Liens Schedule 7.02(e) — Existing Investments Schedule 7.03(b) — Surviving Indebtedness Schedule 7.12 — Existing Sale Leasebacks Schedule 10.02 — Administrative Agent’s Office, Certain Addresses for Notices Exhibits Exhibit A Revolving Commitments B Notice Addresses C Eligibility Criteria D Excess Concentration Amounts E-1 Tier 1 Collateral Performance Triggers E-2 Tier 2 Collateral Performance Triggers F Post-Closing Action Items G-I Credit Policies (Company Originations) G-II Credit Policies (FinWise Originations) EXHIBITS: A — Form of Funding Prepayment Notice Exhibit B — Form of Revolving Loan Note Exhibit C Form of Borrowing Base Certificate — [Reserved] Exhibit D — Form of Assignment Agreement and Assumption Exhibit E — Form of Closing Certificate Guaranty Exhibit F — Form of Security Agreement Exhibit G — Form of Securities Pledge Agreement Exhibit H — Form of Intellectual Property Security Agreement Exhibit I — Form of Solvency Certificate G Form of Funds Release Request This AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT, dated as of July 19, 2023 Amended and Restated Senior Secured Credit Agreement (as it may be amended, supplemented or otherwise modified in accordance with the terms hereof, this "“Agreement"), ”) is entered into as of June 5, 2020 among OPPORTUNITY FUNDING SPE V, CL Media Holdings LLC, a Delaware limited liability company (the "“Borrower"”), OPPORTUNITY FINANCIAL, LLCeach financial institution from time to time party hereto as lender (each, a Delaware limited liability company (“Lender” and collectively, the "Company"“Lenders”), and Centre Lane Partners Master Credit Fund II, L.P., as Originator administrative agent for the Lenders (in such capacity, and together with its successors and assigns, the "Originator"), “Administrative Agent”) and as Servicer collateral agent for the Lenders (in such capacity, the "Servicer") and as a Seller (as defined herein), OPPWIN, LLC, as a Seller, MIDTOWN MADISON MANAGEMENT LLC ("Atalaya"), as Administrative Agent (in such capacitytogether with its successors and assigns, the "Administrative Agent") and Collateral Agent (in such capacity, the "“Collateral Agent"”), and the Lenders (as defined herein) party hereto.

Prepayments of Certain Indebtedness. 71 6.12Modifications of Certain Indebtedness; Payments of Interest on Convertible Notes and Indebtedness 73 Section 7.10. Servicing Agreement and Backup Servicing Agreement 71 6.13Negative Pledge 73 Section 7.11. Independent Director 71 6.14Amendments to Organization Documents 74 Section 7.12. Sales of Receivables 72 6.15Sale Leasebacks 74 Section 7.13. [Reserved] 74 Section 7.14. Accounting Changes to the Credit Policies or the Servicing Policy 72 6.1674 Section 7.15. No Prepayment 72 6.17. Changes to Bank Partner Program Agreements 72 SECTION 7. OFAC 74 ARTICLE VIII EVENTS OF DEFAULT 73 7.1AND REMEDIES 74 Section 8.01. Events of Default 73 SECTION 874 Section 8.02. Remedies Upon Event of Default 77 Section 8.03. Application of Funds 78 ARTICLE IX ADMINISTRATIVE AGENT AND OTHER AGENTS 77 8.179 Section 9.01. Appointment and Authorization of Agents 77 8.279 Section 9.02. Delegation of Duties 80 Section 9.03. Liability of Agents 80 Section 9.04. Reliance by Agents 81 Section 9.05. Notice of Default 81 Section 9.06. Credit Decision; Disclosure of Information by Agents 82 Section 9.07. Indemnification of Agents 82 Section 9.08. Agents Entitled to Act as Lender 77 8.3in their Individual Capacities 82 Section 9.09. Powers and Duties 77 8.4Successor Agents 83 Section 9.10. No Responsibility for Certain Matters 78 8.5. Exculpatory Provisions 78 8.6. Collateral Documents 78 8.7. Lenders' Representations, Warranties and Acknowledgments 78 8.8. Actions Taken By Lender 79 8.9. Right to Indemnity 79 8.10. Resignation of Administrative Agent May File Proofs of Claim 84 Section 9.11. Release of Collateral and Collateral Agent 79 SECTION 9Guaranty 84 ARTICLE X MISCELLANEOUS 85 Section 10.01. MISCELLANEOUS 80 9.1Amendments, Etc. 85 Section 10.02. Notices 80 9.2. Expenses 80 9.3. Indemnity. 81 9.4. Set-Off 84 9.5. Amendments and Waivers; Administrative Agent Consents. 84 9.6. Successors and Assigns; Participations. 86 9.7. Independence of Covenants 89 9.8. Survival of Representations, Warranties and Agreements 89 9.9Other Communications 87 Section 10.03. No Waiver; Cumulative Remedies Cumulative 88 Section 10.04. Costs and Expenses 89 9.10Section 10.05. Marshalling; Indemnification by Borrower 89 Section 10.06. Payments Set Aside 89 9.1190 Section 10.07. Successors and Assigns 90 Section 10.08. Confidentiality 93 Section 10.09. Setoff 94 Section 10.11. Integration 94 Section 10.12. Survival of Representations and Warranties 95 Section 10.13. Severability 90 9.1295 Section 10.14. Headings 90 9.13Governing Law 95 Section 10.15. APPLICABLE LAW 90 9.14Waiver of Right To Trial By Jury 95 Section 10.16. CONSENT TO JURISDICTIONBinding Effect 96 Section 10.17. 90 9.15Lender Action 96 Section 10.18. WAIVER OF JURY TRIAL 91 9.16. Usury Savings Clause 91 9.17. Counterparts 92 9.18. Effectiveness 92 9.19. Patriot PATRIOT Act 92 9.20. Prior Agreements 92 9.21. Third Party Beneficiaries 92 9.22. Confidentiality 92 9.2396 Section 10.19. No Consolidation 94 9.24Advisory or Fiduciary Responsibility 96 Section 10.20. ERISA 94 9.25. Amendment No Novation 96 Schedule 1 — Guarantors Schedule 2.01 (a) — Commitments Schedule 5.02 — Authorizations; No Contravention Schedule 5.03 — Governmental Authorization; Other Consents Schedule 5.07 (b) — Real Property Schedule 5.08 — Collateral Filings and Restatement 95 APPENDICES: Perfection Matters Schedule 5.10 — Taxes Schedule 5.14 — Subsidiaries and Other Equity Investments Schedule 5.17 — Intellectual Property Schedule 5.19 — Material Agreements Schedule 7.01 (b) — Existing Liens Schedule 7.02 (e) — Existing Investments Schedule 7.03 (b) — Surviving Indebtedness Schedule 7.12 — Existing Sale Leasebacks Schedule 10.02 — Administrative Agent’s Office, Certain Addresses for Notices EXHIBITS Exhibit A Revolving Commitments B Notice Addresses C Eligibility Criteria D Excess Concentration Amounts E-1 Tier 1 Collateral Performance Triggers E-2 Tier 2 Collateral Performance Triggers F Post-Closing Action Items G-I Credit Policies (Company Originations) G-II Credit Policies (FinWise Originations) EXHIBITS: A — Form of Funding Prepayment Notice Exhibit B — Form of Revolving Loan Note Exhibit C Form of Borrowing Base Certificate — [Reserved] Exhibit D — Form of Assignment Agreement and Assumption Exhibit E — Form of Closing Certificate Guaranty Exhibit F — Form of Security Agreement Exhibit G — Form of Securities Pledge Agreement Exhibit H — Form of Intellectual Property Security Agreement Exhibit I — Form of Solvency Certificate G Form of Funds Release Request This AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT, dated as of July 19, 2023 Amended and Restated Senior Secured Credit Agreement (as it may be amended, supplemented or otherwise modified in accordance with the terms hereof, this "“Agreement"), ”) is entered into as of June 5, 2020 among OPPORTUNITY FUNDING SPE V, CL Media Holdings LLC, a Delaware limited liability company (the "“Borrower"”), OPPORTUNITY FINANCIAL, LLCeach financial institution from time to time party hereto as lender (each, a Delaware limited liability company (“Lender” and collectively, the "Company"“Lenders”), and Centre Lane Partners Master Credit Fund II, L.P., as Originator administrative agent for the Lenders (in such capacity, and together with its successors and assigns, the "Originator"), “Administrative Agent”) and as Servicer collateral agent for the Lenders (in such capacity, the "Servicer") and as a Seller (as defined herein), OPPWIN, LLC, as a Seller, MIDTOWN MADISON MANAGEMENT LLC ("Atalaya"), as Administrative Agent (in such capacitytogether with its successors and assigns, the "Administrative Agent") and Collateral Agent (in such capacity, the "“Collateral Agent"”), and the Lenders (as defined herein) party hereto.

Prepayments of Certain Indebtedness. 71 6.12Modifications of Certain Indebtedness; Payments of Interest on Convertible Notes and Indebtedness 78 Section 7.10. Servicing Agreement Negative Pledge 79 Section 7.11. Amendments to Certain Documents 79 Section 7.12. Sale Leasebacks 79 Section 7.13. [Reserved] 79 Section 7.14. Accounting Changes 79 Section 7.15. OFAC 79 Article VIII Events of Default and Backup Servicing Agreement 71 6.13. Independent Director 71 6.14. Sales of Receivables 72 6.15. Changes to the Credit Policies or the Servicing Policy 72 6.16. No Prepayment 72 6.17. Changes to Bank Partner Program Agreements 72 SECTION 7. EVENTS OF DEFAULT 73 7.1Remedies 80 Section 8.01. Events of Default 73 SECTION 880 Section 8.02. AGENTS 77 8.1Remedies Upon Event of Default 83 Section 8.03. Appointment Application of Agents 77 8.2. Agents Entitled to Act as Lender 77 8.3. Powers and Duties 77 8.4. No Responsibility for Certain Matters 78 8.5. Exculpatory Provisions 78 8.6. Collateral Documents 78 8.7. Lenders' Representations, Warranties and Acknowledgments 78 8.8. Actions Taken By Lender 79 8.9. Right to Indemnity 79 8.10. Resignation of Funds 83 Article IX Administrative Agent and Other Agents 84 Section 9.01. Appointment and Authorization of Agents 84 Section 9.02. Delegation of Duties 85 Section 9.03. Liability of Agents 86 Section 9.04. Reliance by Agents 86 Section 9.05. Notice of Default 87 Section 9.06. Credit Decision; Disclosure of Information by Agents 87 Section 9.07. Indemnification of Agents 87 Section 9.08. Agents in their Individual Capacities 88 Section 9.09. Successor Agents 88 Section 9.10. Administrative Agent May File Proofs of Claim 89 Section 9.11. Release of Collateral Agent 79 SECTION 9and Guaranty 90 Article X Miscellaneous 91 Section 10.01. MISCELLANEOUS 80 9.1Amendments, Etc. 91 Section 10.02. Notices 80 9.2. Expenses 80 9.3. Indemnity. 81 9.4. Set-Off 84 9.5. Amendments and Waivers; Administrative Agent Consents. 84 9.6. Successors and Assigns; Participations. 86 9.7. Independence of Covenants 89 9.8. Survival of Representations, Warranties and Agreements 89 9.9Other Communications 92 Section 10.03. No Waiver; Cumulative Remedies Cumulative 89 9.1094 Section 10.04. Marshalling; Costs and Expenses 94 Section 10.05. Indemnification by Borrower 95 Section 10.06. Payments Set Aside 89 9.1196 Section 10.07. Successors and Assigns 96 Section 10.08. Confidentiality 100 Section 10.09. Setoff 100 Section 10.11. Integration 101 Section 10.12. Survival of Representations and Warranties 101 Section 10.13. Severability 90 9.12101 Section 10.14. Headings 90 9.13. APPLICABLE GOVERNING LAW 90 9.14. CONSENT TO JURISDICTION. 90 9.15101 Section 10.15. WAIVER OF RIGHT TO TRIAL BY JURY TRIAL 91 9.16102 Section 10.16. Usury Savings Clause 91 9.17Binding Effect 102 Section 10.17. Counterparts 92 9.18Lender Action 102 Section 10.18. Effectiveness 92 9.19. Patriot PATRIOT Act 92 9.20. Prior Agreements 92 9.21. Third Party Beneficiaries 92 9.22. Confidentiality 92 9.23102 Section 10.19. No Consolidation 94 9.24Advisory or Fiduciary Responsibility 103 Section 10.20. ERISA 94 9.25No Novation 103 Section 10.21. Amendment OID Legend 103 Annex A — Benchmark Replacement Provisions Schedules Schedule 1 — Guarantors Schedule 2.01(a) — Commitments Schedule 5.02 — Authorizations; No Contravention Schedule 5.03 — Governmental Authorization; Other Consents Schedule 5.07(b) — Real Property Schedule 5.08 — Collateral Filings and Restatement 95 APPENDICES: Perfection Matters Schedule 5.10 — Taxes Schedule 5.14 — Subsidiaries and Other Equity Investments Schedule 5.17 — Intellectual Property Schedule 5.19 — Material Agreements Schedule 7.01(b) — Existing Liens Schedule 7.02(e) — Existing Investments Schedule 7.03(b) — Surviving Indebtedness Schedule 7.12 — Existing Sale Leasebacks Schedule 10.02 — Administrative Agent’s Office, Certain Addresses for Notices Exhibits Exhibit A Revolving Commitments B Notice Addresses C Eligibility Criteria D Excess Concentration Amounts E-1 Tier 1 Collateral Performance Triggers E-2 Tier 2 Collateral Performance Triggers F Post-Closing Action Items G-I Credit Policies (Company Originations) G-II Credit Policies (FinWise Originations) EXHIBITS: A — Form of Funding Prepayment Notice Exhibit B — Form of Revolving Loan Note Exhibit C Form of Borrowing Base Certificate — [Reserved] Exhibit D — Form of Assignment Agreement and Assumption Exhibit E — Form of Closing Certificate Guaranty Exhibit F — Form of Security Agreement Exhibit G — Form of Securities Pledge Agreement Exhibit H — Form of Intellectual Property Security Agreement Exhibit I — Form of Solvency Certificate G Form of Funds Release Request This AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT, dated as of July 19, 2023 Amended and Restated Senior Secured Credit Agreement (as it may be amended, supplemented or otherwise modified in accordance with the terms hereof, this "“Agreement"), ”) is entered into as of June 5, 2020 among OPPORTUNITY FUNDING SPE V, CL Media Holdings LLC, a Delaware limited liability company (the "“Borrower"”), OPPORTUNITY FINANCIAL, LLCeach financial institution from time to time party hereto as lender (each, a Delaware limited liability company (“Lender” and collectively, the "Company"“Lenders”), and Centre Lane Partners Master Credit Fund II, L.P., as Originator administrative agent for the Lenders (in such capacity, and together with its successors and assigns, the "Originator"), “Administrative Agent”) and as Servicer collateral agent for the Lenders (in such capacity, the "Servicer") and as a Seller (as defined herein), OPPWIN, LLC, as a Seller, MIDTOWN MADISON MANAGEMENT LLC ("Atalaya"), as Administrative Agent (in such capacitytogether with its successors and assigns, the "Administrative Agent") and Collateral Agent (in such capacity, the "“Collateral Agent"”), and the Lenders (as defined herein) party hereto.

Prepayments of Certain Indebtedness. 71 6.12Modifications of Certain Indebtedness; Payments of Interest on Convertible Notes and Indebtedness 67 Section 7.10. Servicing Agreement Negative Pledge 68 Section 7.11. Amendments to Organization Documents 68 Section 7.12. Sale Leasebacks 68 Section 7.13. [Reserved] 68 Section 7.14. Accounting Changes 68 Section 7.15. OFAC 68 Article VIII Events of Default and Backup Servicing Agreement 71 6.13. Independent Director 71 6.14. Sales of Receivables 72 6.15. Changes to the Credit Policies or the Servicing Policy 72 6.16. No Prepayment 72 6.17. Changes to Bank Partner Program Agreements 72 SECTION 7. EVENTS OF DEFAULT 73 7.1Remedies 69 Section 8.01. Events of Default 73 SECTION 869 Section 8.02. AGENTS 77 8.1Remedies Upon Event of Default 72 Section 8.03. Appointment Application of Agents 77 8.2. Agents Entitled to Act as Lender 77 8.3. Powers and Duties 77 8.4. No Responsibility for Certain Matters 78 8.5. Exculpatory Provisions 78 8.6. Collateral Documents 78 8.7. Lenders' Representations, Warranties and Acknowledgments 78 8.8. Actions Taken By Lender 79 8.9. Right to Indemnity 79 8.10. Resignation of Funds 72 Article IX Administrative Agent and Other Agents 73 Section 9.01. Appointment and Authorization of Agents 73 Section 9.02. Delegation of Duties 74 Section 9.03. Liability of Agents 74 Section 9.04. Reliance by Agents 75 Section 9.05. Notice of Default 75 Section 9.06. Credit Decision; Disclosure of Information by Agents 76 Section 9.07. Indemnification of Agents 76 Section 9.08. Agents in their Individual Capacities 77 Section 9.09. Successor Agents 77 Section 9.10. Administrative Agent May File Proofs of Claim 77 Section 9.11. Release of Collateral Agent and Guaranty 78 Article X Miscellaneous 79 SECTION 9Section 10.01. MISCELLANEOUS 80 9.1Amendments, Etc. 79 Section 10.02. Notices 80 9.2. Expenses 80 9.3. Indemnity. and Other Communications 81 9.4. Set-Off 84 9.5. Amendments and Waivers; Administrative Agent Consents. 84 9.6. Successors and Assigns; Participations. 86 9.7. Independence of Covenants 89 9.8. Survival of Representations, Warranties and Agreements 89 9.9Section 10.03. No Waiver; Cumulative Remedies Cumulative 89 9.1082 Section 10.04. Marshalling; Costs and Expenses 82 Section 10.05. Indemnification by Borrower 83 Section 10.06. Payments Set Aside 84 Section 10.07. Successors and Assigns 84 Section 10.08. Confidentiality 88 Section 10.09. Setoff 89 9.11Section 10.11. Integration 89 Section 10.12. Survival of Representations and Warranties 89 Section 10.13. Severability 90 9.12Section 10.14. Headings Governing Law 90 9.13Section 10.15. APPLICABLE LAW Waiver of Right To Trial By Jury 90 9.14Section 10.16. CONSENT TO JURISDICTIONBinding Effect 90 Section 10.17. 90 9.15Lender Action 91 Section 10.18. WAIVER OF JURY TRIAL PATRIOT Act 91 9.16. Usury Savings Clause 91 9.17. Counterparts 92 9.18. Effectiveness 92 9.19. Patriot Act 92 9.20. Prior Agreements 92 9.21. Third Party Beneficiaries 92 9.22. Confidentiality 92 9.23Section 10.19. No Consolidation 94 9.24Advisory or Fiduciary Responsibility 91 Section 10.20. ERISA 94 9.25. Amendment No Novation 91 Schedule 1 — Guarantors Schedule 2.01(a) — Commitments Schedule 5.02 — Authorizations; No Contravention Schedule 5.03 — Governmental Authorization; Other Consents Schedule 5.07(b) — Real Property Schedule 5.08 — Collateral Filings and Restatement 95 APPENDICES: Perfection Matters Schedule 5.10 — Taxes Schedule 5.14 — Subsidiaries and Other Equity Investments Schedule 5.17 — Intellectual Property Schedule 5.19 — Material Agreements Schedule 7.01(b) — Existing Liens Schedule 7.02(e) — Existing Investments Schedule 7.03(b) — Surviving Indebtedness Schedule 7.12 — Existing Sale Leasebacks Schedule 10.02 — Administrative Agent’s Office, Certain Addresses for Notices Exhibits Exhibit A Revolving Commitments B Notice Addresses C Eligibility Criteria D Excess Concentration Amounts E-1 Tier 1 Collateral Performance Triggers E-2 Tier 2 Collateral Performance Triggers F Post-Closing Action Items G-I Credit Policies (Company Originations) G-II Credit Policies (FinWise Originations) EXHIBITS: A — Form of Funding Prepayment Notice Exhibit B — Form of Revolving Loan Note Exhibit C Form of Borrowing Base Certificate — [Reserved] Exhibit D — Form of Assignment Agreement and Assumption Exhibit E — Form of Closing Certificate Guaranty Exhibit F — Form of Security Agreement Exhibit G — Form of Securities Pledge Agreement Exhibit H — Form of Intellectual Property Security Agreement Exhibit I — Form of Solvency Certificate G Form of Funds Release Request This AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT, dated as of July 19, 2023 Amended and Restated Senior Secured Credit Agreement (as it may be amended, supplemented or otherwise modified in accordance with the terms hereof, this "“Agreement"), ”) is entered into as of June 5, 2020 among OPPORTUNITY FUNDING SPE V, CL Media Holdings LLC, a Delaware limited liability company (the "“Borrower"”), OPPORTUNITY FINANCIAL, LLCeach financial institution from time to time party hereto as lender (each, a Delaware limited liability company (“Lender” and collectively, the "Company"“Lenders”), and Centre Lane Partners Master Credit Fund II, L.P., as Originator administrative agent for the Lenders (in such capacity, and together with its successors and assigns, the "Originator"), “Administrative Agent”) and as Servicer collateral agent for the Lenders (in such capacity, the "Servicer") and as a Seller (as defined herein), OPPWIN, LLC, as a Seller, MIDTOWN MADISON MANAGEMENT LLC ("Atalaya"), as Administrative Agent (in such capacitytogether with its successors and assigns, the "Administrative Agent") and Collateral Agent (in such capacity, the "“Collateral Agent"”), and the Lenders (as defined herein) party hereto.