#1+ A Leading FinTech Platform for the Everyday Consumer OppFi" Analyst Day April 7, 2021 Exhibit 99.1#2Disclaimer This presentation (the "Presentation") is for information purposes only. This Presentation has been prepared to assist parties in making their own evaluation with respect to a proposed transaction (the "Transaction") as contemplated by a definitive business combination agreement between FG New America Acquisition Corp. ("FGNA") and Opportunity Financial, LLC (the "Company") and for no other purpose. Certain information contained herein has been derived from sources prepared by third parties. While such information is believed to be reliable for the purposes used herein, neither FGNA nor the Company makes any representation or warranty with respect to the accuracy of such information. Trademarks and trade names referred to in this Presentation are the property of their respective owners. This Presentation does not constitute an offer to sell or the solicitation of an offer to purchase any securities of FGNA, the Company, or any other person. The information contained herein does not purport to be all-inclusive. This Presentation does not constitute investment, tax, or legal advice. No representation or warranty, express or implied, is or will be given by FGNA or the Company or any of their respective affiliates, directors, officers, employees or advisers or any other person as to the accuracy or completeness of the information in this Presentation or any other written, oral, or other communications transmitted or otherwise made available to any party in the course of its evaluation of the possible Transaction, and no responsibility or liability whatsoever is accepted for the accuracy or sufficiency thereof or for any errors, omissions or misstatements, negligent or otherwise, relating thereto. The information contained in this Presentation is preliminary in nature and is subject to change, and any such changes may be material. FGNA and the Company disclaim any duty to update the information contained in this Presentation, which information is given only as of the date of this Presentation unless otherwise stated herein. Forward-Looking Statements This Presentation contains certain "forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended (the "Securities Act"), and Section 21E of the Securities Exchange Act of 1934, as amended, including statements regarding FGNA and the Company and the potential Transaction between FGNA and the Company and their respective management teams' expectations, hopes, beliefs, intentions or strategies regarding the future. In addition, any statements that refer to projections, forecasts or other characterizations of future events or circumstances, including any underlying assumptions, are forward-looking statements. The words "anticipate," "believe," "continue." "could." "estimate," "expect," "intends," "may." "might," "plan," "possible," "potential," "predict," "project," "should," "would and similar expressions may identify forward-looking statements, but the absence of these words does not mean that a statement is not forward-looking. These forward-looking statements are based on FGNA's and the Company's current expectations and assumptions about future events and are based on currently available information as to the outcome and timing of future events. We caution you that these forward-looking statements are subject to all of the risks and uncertainties, most of which are difficult to predict and many of which are beyond FGNA's and the Company's control, that could cause the actual results to differ materially from the expected results if and when FGNA and the Company enter into a definitive agreement for a potential Transaction. Factors that may cause such differences include, but are not limited to: (1) the occurrence of any event, change or other circumstances that could give rise to the termination of the definitive business combination agreement (the "Agreement"); (2) the outcome of any legal proceedings that may be instituted against FGNA and OppFi following the announcement of the Agreement and the transactions contemplated therein; (3) the inability to complete the proposed business combination, including due to failure to obtain approval of the stockholders of FGNA, certain regulatory approvals or satisfy other conditions to closing in the Agreement, including with respect to the levels of FGNA stockholder redemptions: (4) the occurrence of any event, change or other circumstance that could give rise to the termination of the Agreement or could otherwise cause the transaction to fail to close; (5) the impact of COVID-19 on OppFi's business and/or the ability of the parties to complete the proposed business combination; (6) the inability to obtain or maintain the listing of the combined company's shares of common stock on the New York Stock Exchange following the proposed business combination; (7) the risk that the proposed business combination disrupts current plans and operations as a result of the announcement and consummation of the proposed business combination; (8) the ability to recognize the anticipated benefits of the proposed business combination, which may be affected by, among other things, competition, the ability of OppFi to grow and manage growth profitably and retain its key employees; (9) costs related to the proposed business combination; (10) changes in applicable laws or regulations: (11) the possibility that OppFi or FGNA may be adversely affected by other economic, business, and/or competitive factors; and (12) other risks and uncertainties indicated from time to time in the proxy statement relating to the proposed business combination, including those under "Risk Factors therein, and in FGNA's other filings with the United States Securities and Exchange Commission. The foregoing list of factors is not exclusive. You should not place undue reliance upon any forward-looking statements, which speak only as of the date made. FGNA and the Company do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements to reflect any change in its expectations or any change in events, conditions or circumstances on which any such statement is based. Non-GAAP Financial Measures Certain financial information and data contained this Presentation is unaudited and does not conform to Regulation S-X. Accordingly, such information and data may not be included in, may be adjusted in or may be presented differently in, any information or proxy statement, or prospectus or registration statement to be filed by FGNA with the SEC. Some of the financial information and data contained in this Presentation, such as Adjusted Net Income and CAGR and Margin thereof, and Adjusted EBITDA, Adjusted EBT and CAGR and Margin thereof, have not been prepared in accordance with United States generally accepted accounting principles ("GAAP"). These non-GAAP measures of financial results are not GAAP measures of our financial results or liquidity and should not be considered as an alternative to net income (loss) as a measure of financial results, cash flows from operating activities as a measure of liquidity, or any other performance measure derived in accordance with GAAP. FGNA and the Company believe these non-GAAP measures of financial results provide useful information to management and investors regarding certain financial and business trends relating to the Company's financial condition and results of operations. The Company's management uses these non-GAAP measures for trend analyses and for budgeting and planning purposes. FGNA and the Company believe that the use of these non-GAAP financial measures provides an additional tool for investors to use in evaluating projected operating results and trends in and in comparing the Company's financial measures with other similar companies, many of which present similar non- GAAP financial measures to investors. Management does not consider these non-GAAP measures in isolation or as an alternative to financial measures determined in accordance with GAAP. The principal limitation of these non-GAAP financial measures is that they exclude significant expenses and income that are required by GAAP to be recorded in the Company's financial statements. In addition, they are subject to inherent limitations as they reflect the exercise of judgments by management about which expense and income are excluded or included in determining these non-GAAP financial measures. In order to compensate for these limitations, management presents non-GAAP financial measures in connection with GAAP results. You should review the Company's audited financial statements, which will be included in any information or proxy statement, or prospectus or registration statement to be filed by FGNA with the SEC. A reconciliation for the Company's 2017 through 2020 non-GAAP financial measures to the most directly comparable GAAP financial measures is located in the Appendix pages 40-42. A reconciliation of the 2021P through 2023P non-GAAP financial measures to the most directly comparable GAAP financial measures is not included in this Presentation, because, without unreasonable efforts, the Company is unable to predict with reasonable certainty the amount or timing of non-GAAP adjustments that are used to calculate these Non-GAAP financial measures. Projected Financial Information This Presentation contains financial forecasts, including with respect to the Company's estimated and projected revenue, revenue growth, Adjusted Net Income, Adjusted EBT, Adjusted EBITDA, and CAGR and margins with respect to Adjusted Net Income and Adjusted EBITDA. Neither the Company's certified public accountant ("CPA") nor the independent registered public accounting firm of FGNA or the Company, audited, reviewed, compiled, or performed any procedures with respect to the projections for the purpose of their inclusion in this Presentation, and accordingly, neither of them expressed an opinion or provided any other form of assurance with respect thereto for the purpose of this Presentation. These projections should not be relied upon as being necessarily indicative of future results. Any estimates, forecasts or projections set forth in the Presentation have been prepared by FGNA and the Company in good faith on a basis believed to be reasonable. Such estimates, forecasts and projections involve significant elements of subjective judgment and analysis and reflect numerous judgments, estimates and assumptions that are inherently uncertain in prospective financial information of any kind. As such, no representation can be made as to the attainability of such estimates, forecasts and projections. The recipient is cautioned that such estimates, forecasts or projections have not been audited and have not been prepared in conformity with GAAP. The estimates, forecasts and projections included in this Presentation are subject to a wide variety of significant business, economic and competitive risks and uncertainties that could cause actual results to differ materially from those contained in the prospective financial information, which include, but are not limited to, those mentioned in the prior paragraphs under the caption "Forward-Looking Statements. The recipient therefore should not rely on the estimates, forecasts or projections contained in the Presentation. No Offer or Solicitation This presentation shall not constitute a solicitation of a proxy, consent or authorization with respect to any securities or in respect of the Transaction. This presentation shall also not constitute an offer to sell, or the sollicitation of an offer to buy, any securities, nor shall there be any sale of securities in any states or jurisdictions in which such offer, solicitation or sale would be unlawful. No offer of securities shall be made except by means of a prospectus meeting the requirements of Section 10 of the Securities Act. Website This Presentation contains reproductions and references to the Company's website and mobile content. The contents of the website and mobile content are not incorporated into this Presentation. Any references to URLs for the websites are intended to be inactive textual references only. OppFi"#3FG New America Acquisition Corp FG New America Team 2 Joe Moglia, Chairman • Retired Chairman and CEO of TD Ameritrade and former executive at Merrill Lynch . Grew TD Ameritrade from $700 million market cap to $20 billion+ market cap and sold to Charles Schwab Chair of Athletics and Former Head Football Coach at Coastal Carolina University Co-Founder of Fundamental Global (FG) Larry Swets, CEO Founded Itasca Financial and sold to Kingsway Financial Services, where he became CEO . SPAC Merchant Banker with public company executive and board experience including GreenFirst Forest Products, FG Financial Group and Limbach Holdings Kyle Cerminara, President Co-Founder and CEO of Fundamental Global (FG) Former Buyside at T. Rowe Price, Point72 and Highside Institutional Investor Magazine Best of Buyside for Financial Sector (2006) OppFi"#43 FGNA Investment Thesis 1 Not All SPAC Targets Are Created Equal 477 8 SPAC IPOS since 1/1/2020 Targets Projecting GAAP Profitability in 2021 70 Announced Combinations since 1/1/2021 2 Operating Success 100%+ '15A '20A Revenue CAGR 52% 17A-23P Estimated Revenue CAGR 2021P Financial Highlights²: 3 Valuation²,3 ● 3 Historically Profitable Targets Implied 2022P Multiples (NOT 2026) • 5.0x TEV/Adjusted EBITDA 9.1x P/E 1.4x TEV / Revenue Revenue of $418mm (+29% YoY Growth) Adjusted Net Income of $66mm (+24% YoY Growth) OppFi" Only Profitable Target With 50% + 18-20 Revenue CAGR 4 Balance Sheet $46mm Cash (as of 12/31/2020) $526mm Total Liquidity (as of 12/31/2020) 5 Market Opportunity 150 million have less than $1,000 in savings4 115 million live paycheck to paycheck5 60 million lack access to traditional credit 6 Revenue Diversification 7 Al-Powered FinTech Platform Source: Company Filings, SPACinsider and Dealogic; Market as of 3/7/2021 Note: Reconciliation of non-GAAP to GAAP financials for 2017 through 2020 located in Appendix pages 40-42; 2021P projections include impact of recent additional government stimulus and assume a corresponding return to pre-COVID demand by the beginning of Q3 2021 1. Defined as having positive GAAP net income for fiscal years ended 2018 through 2020 2. Adj. Net Income represents Adj. EBT tax-affected at assumed tax rate of 25%. Pro forma for fair market value accounting. 2021P-2023P include anticipated recurring public company costs; Adj. EBITDA pro forma for fair market value accounting. 2021P-2023P include anticipated recurring public company costs 4. Elkins, Kathleen. "Here's how much money Americans have in their savings accounts. CNBC.com, Sept 13, 2017 5. Bureau of Labor Statistics - U.S. Full- and Part-Time Workers; Friedman, Zack. "78% Of Workers Live Paycheck To Paycheck." Forbes.com, January 11, 2019 6. Hamdani, Kausar, et al. "UNEQUAL ACCESS TO CREDIT The Hidden Impact of Credit Constraints." New YorkFed.org, 2019 3. Excludes any impact of working capital adjustments at close as well as impact of -5.6 million Sponsor warrants struck at $11.50 and $15.00-11.9 milion Public Warrants struck at $11.50 and 25.5 million seller eamout shares released at share price hurdles of $12.00, $13.00 and $14.00 OppFi"#5OppFi is Built for the Future OppFi has been systematically built to be a leading provider of financial technology to both banks and the Everyday Consumer 60mm Lack Access to Traditional Credit¹ 4-5 months Average Loan Life 85 Net Promoter Score (NPS)² 31% 2020A Adjusted EBITDA Margin³ 1 Delivers responsible credit to the Everyday Consumer 2 Al-driven underwriting identifies misunderstood credit profiles 3 Superior online reputation (NPS) 4 Scalable and profitable operating model Note: Reconciliation of non-GAAP to GAAP financials for 2017 through 2020 located in Appendix pages 40-42 1. Hamdani, Kausar, et al. "UNEQUAL ACCESS TO CREDIT The Hidden Impact of Credit Constraints. New YorkFed.org, 2019 2. As of 4/2/21 3. Adj. EBITDA pro forma for fair market value accounting OppFi"#6This Transaction is Not Just About the Numbers 5 TD Ameritrade & OppFi ✓Mission-driven organizations TD Ameritrade: To bring financial literacy to every family in America OppFi: To bring financial inclusion to the Everyday Consumer ✓Highly scalable and profitable FinTech business models Personal ✓ OppFi is providing services to consumers that are living paycheck to paycheck ✓We understand the impact that OppFi's products can have on families shut out of the traditional financial system We believe OppFi will continue to deliver on its core mission of empowering Everyday Consumers to rebuild their financial well-being OppFi"#7Today's Presenters Jared Kaplan Chief Executive Officer insureon glassdoor TOP CEOS ABN AMRO Shiven Shah Chief Financial Officer PEAK6 ACCRETIVE> Sal Hazday Chief Operating Officer ADP Chris McKay Chief Credit Officer Capital One 7-Time Inc. 5000 Executive accenture HSBC citi Yuri Ter-Saakyants Chief Technology Officer insureon mediaocean John O'Reilly Chief Marketing Officer optionshouse Stacee Hasenbalg Chief Compliance Officer AVANT BMO NAVISTAR AVANT MAYER BROWN Matthew Gomes General Manager, Salary Tap Care.com Elizabeth Simer General Manager, Credit Card intuit Square DISCOVER OppFi"#87 OppFi's Vision The Digital Financial Services Destination for the Everyday Consumer OppFi"#9OppFi's Mission Empower Everyday Consumers to Rebuild Financial Health D Facilitate credit access Enable savings ())))) ()) ()))))))))) Build ealth OppFi"#109 Most Americans Lack Savings and Credit Access 60 million lack access to traditional credit¹ 88888 88888 115 million live paycheck to paycheck² 1. Hamdani, Kausar, et al. "UNEQUAL ACCESS TO CREDIT The Hidden Impact of Credit Constraints," NewYorkFed.org, 2019 2. Bureau of Labor Statistics - U.S. Full- and Part-Time Workers; Friedman, Zack. "78% Of Workers Live Paycheck To Paycheck." Forbes.com, January 11, 2019 3. Elkins, Kathleen. "Here's how much money Americans have in their savings accounts." CNBC.com, Sept 13, 2017 150 million have less than $1,000 in savings³ OppFi"#11We Help Everyday Consumers Solve Everyday Problems 10 Our typical customer: Thick File • Median Income Employed • Bank Account >30 Years Old ● • Educated • No Savings OppFi customers can use proceeds for any unexpected expense Car Trouble Family Housing Medical Education OppFi"#12OppFi Powers Banks to Unlock Credit Access for the Everyday Consumer 11 Consumers ✓ 5 minute application process ✓ Instant access to fair, transparent credit ✓ Opportunity to build financial health Value to Customers OppFi" (800) 990-9130 Hi! I'm Anderson. Before we get your application started. here's what you should have ready. Personal Information Name Address, Phone Number, Date of Birth Social Security Number Income Particulars Income Type. Pay Method, Pay Frequency, Monthly Income Banking Details Account Type, Account & Routing Numbers, Age of Account (where majority of income is deposited) START Best-In-Class Financial Technology Platform Banks ✓ Best-in-class mobile acquisition ✓ Alternative data, Al powered underwriting algorithms ✓ Industry-leading, tech enabled customer service Value to Bank Partners OppFi"#1312 We Leverage Billions of Data Points to Make Credit Scores Obsolete OppFi's proprietary algorithms powered by Al better predict ability and willingness to repay ~7 Billion Data Points Al-Powered Proprietary Scoring Algorithm 3 B on hoy 10+ Million Applications 1.5+ Million Loans 14+ Million Repayments -500 Attributes per Repayment OppFi"#14The Digital Financial Services Destination for the Everyday Consumer Our platform leverages proprietary technology to best serve the Everyday Consumer 13 OppFi"* Digitally enabled lending platform ✓ Best-in-class customer experience ✓ Real-time data analytics powered by Al ✓-75% of decisions are automated ✓ Diverse marketing strategy ✓ Experienced FinTech Management ORIGINAL INSTALLMENT PRODUCT Credit Access Loan OppLoans by OppFi Near Prime Lending Upstart LAUNCHED DECEMBER 2020 Auto Lending OpenLending Payroll Deduction Lending Salary Tap by OppFi POTENTIAL FUTURE OPPFI PRODUCTS AND CURRENT MARKET PARTICIPANTS Point of Sale Lending affirm Katapult PLANNED LAUNCH IN H2 2021 Mobile Banking & Debit chime Credit Cards OppFi Card by OppFi Mortgage loan Depot ROCKET guaranteed Rate Investment Platform robinhood OppFi"#1514 Vast, Underserved Market Opportunity 1 ~150 million U.S. Adults with Less Than $1,000 in Savings¹ Salary Tap by OppFi | | OppFiCard OppLoans by OppFi by OppFi -$21bn² Nonprime Credit Cards 1 -$27bn³ Installment Loans Implies Current Penetration of <1% -$32bn4 Payroll Deduction Lending | | 1 1 | Represents recent and planned product expansions in adjacent markets 1. Elkins, Kathleen. "Here's how much money Americans have in their savings accounts." CNBC.com, Sept 13, 2017 2. US Census Bureau and Experian-Based on adult population of US (-255mm) multiplied by population within 580-669 credit band (-18 %) multiplied by -30% approval rate of target population (-46mm) qualified to receive credit card with $1,500 credit limit 3. Hamdani, Kausar, et al. "UNEQUAL ACCESS TO CREDIT The Hidden Impact of Credit Constraints." New YorkFed.org, 2019-Based on qualified portion (-30%) of target population (-60mm) receiving $1,500 installment loan issued principal 4. DailyPay, US Bureau of Labor Statistics and US Census Bureau-Based on adult population of US (-255mm) multiplied by employment rate as of February 2021 ( -58% ) multiplied by the percentage of employed Americans relying on employer-offered financial assistance programs (-36%); assumes -30% of this target population (-53mm) qualified to receive $2,000 in payroll deduction lending OppFi"#16Key Company Highlights + 15 88888 88888 Consistent Growth 100%+ 5 year Revenue CAGR¹ GAAP Profitability since 2015 Projected Adj. Net Income of ~$66mm in 2021 and ~$88mm in 2022² Significant Scale Facilitated $2.3+ billion in issuance covering 1.5+ million loans APPLY Robust Customer Demand More than 2.5 million applications annually, of which 80% are mobile generated Leading Proprietary Credit & Technology Platform Real-time Al drives automation for ~75% of decisions Exceptional Customer Satisfaction Net Promoter Score of 85; 10,000+ online customer reviews with 4.9/5.0 average rating 1. 2015-2020 2. Adj. Net Income represents Adj. EBT tax-affected at 25% assumed tax rate. Pro forma for conversion for fair market value accounting. Includes anticipated recurring public company costs. 2021P projections include impact of recent additional government stimulus and assume a corresponding return to pre-COVID demand by the beginning of Q3 2021 OppFi"#17Customers Praise OppFi 16 Accredited A+ A BBB Rating Business "You gave me a chance when no one else would" "The entire process was a breeze" "Terms were very reasonable...and transparent" "No penalties for early payoff" Unrivaled Customer Satisfaction Regardless of Credit Band¹ Google lendingtree 4.9 Customer Rating ✰✰✰✰✰ 85 Net Promoter Score lendingtree CUSTOMER TOP 3 PERSONAL LOAN Customer Reviews 4.9 out of 5 Note: Loans made or arranged pursuant to a California Financing Law Lenders License 1. As of 4/2/21 Trustpilot Reviews 1,487 Excellent 4.8 OppFi**#18Employees are Highly-Satisfied 17 Impressive Growth FASTEST AMERICA'S PRIVATE ROWING Inc. 5000 MPANIES 2016 2017 #445 # 219 2018 2019 2020 #340 #321 #539 Building a Tremendous Employee Culture glassdoor 2018 & 2019 Best Inc. Places to Work Chicago 2018 Top Chicago Tribune Workplace built in 2018 Best Places to Work 2019 Best Places to Work Chicago OppFi"#1918 + The OppFi Advantage OppLoans Loans About Us Apply does Resources A platform that puts you in control Reclaim your financial future Apply Now Google 4.9 CUSTOMER RATING Blog BBB ACCREDITED Help | A+ RATING Apply Now lendingtree **** 4.8 CUSTOMER RATING Sign In#2019 Scalable, Diversified, Next Generation Marketing Platform Highly transferable marketing technology stack will drive new product growth Diverse Marketing Strategy . Substantial shift away from Direct Mail towards lower cost Non-Direct Mail 76.1% 81.6% III 23.9% 56.6% 43.4% 2017 2018 18.4% ■ Direct Mail 2019 Non-Direct Mail¹ 84.1% 15.9% 2020 Decreasing Cost Per Funded Loan Over Time T 1. Represents Search Engine Optimization, Email Marketing, Customer Referrals, Strategic Partnerships and Other 2. Represents marketing cost per funded loan for new and refinance loans $103 104,493 2017 $79 281,256 2018 Total Funded Loans $71 2019 -Average mCPF² Marketing Partners powered by OppFi's proprietary API - "Leads Decision Engine" 518,111 credit karma lendingtree credit sesame QUINSTREET EVEN ...plus 50+ others $60 509,833 2020 OppFi"#2120 Proprietary Al Powered, Credit Decisioning Algorithms... Our proprietary algorithms look beyond credit score to instantly identify borrowers who have the ability and willingness to repay Decisions Powered By... ...Result in Stable Write-offs by Cohort...1 ...Despite More Approvals² 29% more loans approved than by traditional credit scores Consumer Behavior |$| Bank Data اس Alternative Bureau Data Income Data Employment Data 20.0% 16.0% 12.0% 8.0% 4.0% 10 1. Q3 vintages since 2017 2. OppFi analysis of UW4 Score (internal underwriting model) versus Vantage 4 Score 20 -2017 30 Week -2018-2019 40 50 Marketing Source Half of OppFi's loans are awarded to customers with less than 550 FICO -2020 OppFi" Successfully Selected ACM Repayment Method Continue to review details about your credit score and sign your contract OppFi"#2221 ...Powered by Modern and Leverageable Technology Stack OppFi" Hi I'm Anderson Before we get your application started. here's what you should have ready. Personal Information (800) 990-9130 Income Particulars Banking Details majority of income START $18 Million 2020 Technology Spend¹ -45% Percentage of corporate employees in technology, product, credit or analytics 1. Technology spend represents cash expense of full time employees and vendor spend E 100% Cloud Platform Leads Decision Engine Machine Learning Bank Verification Income Verification X r Al Powered Conversion, Approvals & Servicing Next Best Action Workflow Optimization Continuous A/B Testing Real-time Data & Analytics Microservice Infrastructure snowflake Modern Data Warehouse OppFi"#2322 Driving Operational Leverage via Automation and Productivity Tools Continued increases in operational leverage positions OppFi well for post-COVID demand Increasing Automated Approvals¹ 0% Dec-17 7% Dec-18 ■Auto Approval Rate (AAR) 1. Preliminary March 2021 data السن ان 18% Dec-19 26% 41% Dec-20 Increasing Application Conversion¹ Mar-21 9% Total Funded Loans / Applications Dec-17 16% Dec-18 17% Dec-19 23% 26% Dec-20 Mar-21 OppFi"#2423 Protected by Bank Level Compliance Infrastructure Integrated framework designed around three layers of defense >> O A Ownership All business units are responsible for identifying and managing risks Challenge Compliance Program • Complaint Handling • Training • Monitoring • Issues Management • Advisory . Policies Risk & Controls • Risk Assessments . • BSA/KYC/OFAC Checks Vendor . Suspicious Activity Monitoring Governance • Change Management • Compliance Committee • Fair Lending, New Initiatives, . Social Responsibility Committee Legal . . Regulatory Updates Government Relations Assurance • Fair Lending, BSA/AML, Compliance and TILA reviewed by external firms • Examined by State Licensing Agencies • Participates in FDIC examinations of Bank Partners Audited quarterly by Bank Partners 50+ OppFi employees dedicated to compliance activities OppFi"#2524 + The OppFi Customer Journey#2625 Product Demo - Typical Customer Journey OppFi offers customers a transparent pathway to building credit without trapping them in a cycle of debt APPLY Customer Applies Online • 80% Mobile • Typically facing a financial emergency "Turn Up" Process Perform diligent search on customers' behalf for sub-36% APR -90% of the time no offers of credit returned Approval & Funding • In most cases, instant decisions with next day funding $ Servicing & Repayment Deliver Zappos-like customer happiness Rebuilding Financial Health • Reward customers with better pricing over time • Offer Financial Education through programs such as Oppu Graduate to Mainstream Credit • Provide pathway to lower cost, more mainstream products over time, such as Payroll Deduction Loans and Credit Cards OppFi"#27Credit Access Product - the OppLoan Traditionally, financing options for the underbanked have been limited, with exorbitant interest rates and poor customer service The OppLoan's Market Leading Terms • No origination fees No late fees • No NSF fees • No prepayment penalties Report to the 3 major credit bureaus • Work compassionately with customers who require payment plan modification 26 Simple interest, amortizing installment loans with no balloon payments ● Underbanked Option APRs -17,000% 1. Credit Karma; based on average charge of $34 on average transaction of $24 to be repaid within three days 2. CFPB; from 2017 lawsuit, the annual percentage rates for four tribal lenders installment loan products was between 440 % and 950% Bank Overdraft¹ -450% - 950% 3. FTC and CFPB; based on title lenders charging average of 25% per month and typical two-week payday loan with a $15 per $100 fee 4. FTC: based on $83/month, 12-month Lease to Own (LTO) plan to purchase -$500 item and $39/week, 48-week LTO plan to purchase-$600 item 5. Lend Academy, assumes $200 amount financed with $5 finance charge 7 days between the advance and employee's regularly scheduled paydate Tribal Lenders² -300% - 400% -100% -300% -130% A Cheaper, Better Product for Non-Prime Average Loan Amount -$1,500 Average Term -11 Months 59% - 160% Payday & Title Lease to Own Earned Wage OppFi Loans 3 Access5 OppFi"#28Salary Tap Extends Prime Pricing to Non-Prime Consumers We believe facilitating credit access through payroll deduction will significantly improve credit performance, preserving strong unit economics while reducing the cost of borrowing for customers Increased Addressable Market Larger, Lower Priced Loans Multiple Go-to-Market Channels • Payroll link allows for broader underwriting of customer and sub-36% APR expands geographic footprint resulting in addressable market of $32B¹ New payroll verification technologies make it possible to distribute SalaryTap via direct to consumer, strategic partnerships, and through employers 27 1 Apply online in minutes Reduced risk premium results in material savings for consumers . Lower monthly payments support larger loan sizes to meet customer needs Confirm your employer and fill out our simple application. 2 Set up automatic payments Set up automatic payments from your paycheck and sign your contract. 3 Receive your funds Review and sign your contract and receive funds as soon as the next business day!* 1. DailyPay, US Bureau of Labor Statistics and US Census Bureau-Based on adult population of US (-255mm) multiplied by employment rate as of February 2021 ( -58% ) multiplied by the percentage of employed Americans relying on employer-offered financial assistance programs (-36%); assumes -30% of this target population (-53mm) qualified to receive $2,000 in payroll deduction lending OppFi"#2928 OppFi Credit Card Serves as Graduation Pathway Large Opportunity Graduation product for OppLoans customers that also unlocks -$21 billion non-prime credit card market¹ . Differentiated Product $1,500 credit limit enabled by sophisticated underwriting that looks. beyond FICO/VantageScore ● LEE M CARDHOLDER OppFi" Mobile Optimized User Experience Mobile-first application and servicing with instant issuance allows for immediate access to credit Disclaimer: Apple, the Apple logo, Apple Pay®, Apple Watch, Face ID, iPad, iPad Pro, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Wallet is a trademark of Apple Inc. App Store is a service mark of Apple Inc. 1. US Census Bureau and Experian-Based on adult population of US (-255mm) multiplied by population within 580-669 credit band (-18%) multiplied by -30% approval rate of target population (-46mm) qualified to receive credit card with $1,500 credit limit Great! Now let's add your card to Apple Payᵒ. Add to Pay Download on the App Store OppFi"#3029 + Financial Performance#31Platform with Proven Ability to Scale Profitably ($ in millions) 30 52% '17A - ¹23P Revenue CAGR $70 '17A Revenue ¹,2 $134 $268 $323 $418 $656 $875 '18A '19A '20A '21P '22P ¹23P 50% ¹17A - ¹23P Adj. EBITDA CAGR $22 '17A Adj. EBITDA1,3 $52 $97 '18A '19A 31% 39% 36% $99 $132 $182 $254 ¹20A '21P '22P Margin 31% 32% 28% 29% ¹23P 50% ¹17A - ¹23P Adj. Net Income CAGR $11 '17A 16% Note: Reconciliation of non-GAAP to GAAP financials for 2017 through 2020 located in Appendix pages 40-42 1. 2021P projections include impact of recent additional government stimulus and assume a corresponding return to pre-COVID demand by the beginning of Q3 2021 2. Revenue pro forma for fair market value accounting. The Company is transitioning from an expected credit loss application to a fair market value application acceptable under US GAAP 3. Adj. EBITDA pro forma for fair market value accounting. 2021P-2023P include anticipated recurring public company costs 4. Adj. Net Income represents Adj. EBT tax-affected at assumed tax rate of 25%. Pro forma for fair market value accounting. 2021P-2023P include anticipated recurring public company costs $28 Adj. Net Income ¹,4 '18A $53 $53 11 '19A $66 $88 $127 '20A '21P '¹22P ¹23P Margin 21% 20% 17% 16% 13% 15% OppFi"#3231 Growth Strategy and Drivers . Potential for Continued Growth in Receivables ($ in millions) Installment Loans $164 2018A 34% *18A - ¹23P CAGR Assumed return to pre-COVID demand Improved conversion rate optimization of acquisition funnel Operational leverage driven by technology gains in automation and productivity Stable credit $282 2019A 47% CAGR (2018A-2023P) $276 2020A Salary Tap Employer adoption of financial wellness Maturation of instant payroll verification and allotment tools $510 195% ¹21P - ¹23P Growth 1. 2021P projections include impact of recent additional government stimulus and assume a corresponding return to pre-COVID demand by the beginning of Q3 2021 2021P¹ $800 2022P Credit Card $1,145 2023P 102% '21P - ¹23P Growth Extension of customer loyalty to graduation product . Potential disruption of large market where current players lack in mobile acquisition and user experience, offer low limit products with high fees as % of principal, and provide poor customer service OppFi"#3332 Exceptional Unit Economics - OppLoan Product Illustrative Lifetime Value of a Customer Revenue Realized ¹ $1,657 2. 3. 5. 6. ($623) Net Losses² ($200) Note: Customer average length is 2.5 loans, with -11 month weighted average life. -75% of lifetime contribution occurs after the first loan 1. Revenue realized based on amortization schedule adjusted for prepay (lost interest income) and refinancing Acquisition Cost 3 Represents write-offs net of recoveries assuming -38% of revenue realized is written-off Assumes $200 cost per funded loan (CPF) on new loans; refinance loans incur no acquisition cost Includes customer center personnel costs (servicing and origination), underwriting and bank processing fees Represents interest expense paid by Company on debt-financed loan portion (82% of original loan) Represents pre-tax income per new loan origination ($138) Sales Cost4 ($92) Interest Expense MOIC ~2.2x $604 Contribution OppFi"#3433 Reduced Cost of Financing and Strong Balance Sheet Powers Growth Ample debt capacity provides a means to fund future growth without equity Ample Liquidity ($mm)¹ Company liquidity position has grown to 5x of 2017 levels • ● Cost of borrowing has decreased 400+ bps since 2017 Diverse list of institutional sources of capital, including Ares and Atalaya • Demonstrating increased flexibility in accessing liquidity through corporate credit agreements, asset-backed facilities, bank provided asset-based loans and forward flow arrangements 1. As of 12/31/20 $105 $11 $40 $55 2017 Outstanding Debt $201 $23 $52 $126 2018 Remaining Debt Capacity $383 $36 $140 $207 2019 Cash & Restricted Cash $526 $46 $338 $142 2020 OppFi"#35+ Benchmarking & Valuation#3635 Upstart, Katapult and Affirm: Business Comparison OppFi"* Consumer Finance Originator Proprietary Al for Credit Decisioning Highly Automated Decisioning Utilizes Bank Partnership Model Diverse Marketing Strategy Multiple Years of GAAP Profitability Core Delivery Model Core Customer Demographic Net Promoter Score Capital Markets Execution | ✓ Source: Company Filings, Wall Street Research 1. NPS of bank partners' lending programs 2. Company retains -3-4% of its originated receivables on balance sheet ✓ Bank Sponsored Origination Non-prime 85 Hybrid I Upstart Katapult ✓ ✓ ✓ Bank Sponsored Origination Near Prime 791 Third Party Institutional Sales² E-Commerce Lease to Own Non-prime 47 Warehouse affirm ✓ ✓ E-Commerce Lease to Own Prime 78 Hybrid OppFi"#3736 Upstart, Katapult and Affirm: Financial Comparison OppFi $323 million 2020A Revenue 2020A Adj. EBITDA Margin '18A '20A Revenue CAGR Product Market Cap 2021P TEV/ EBITDA 2022P TEV/ EBITDA 2021P P/E 2022P P/E I | 31% 55% 11 months, $1,500 -$800 million 6.9x 5.0x 12.2x 9.1x 1 Upstart Katapult! $233 million 13% 53% 3 to 5 years, $1,000 to $50,000 -$13 billion >50x >50x >50x >50x $250 million 16% 141% 10 to 18 months, $100 to $3,500 -$1.3 billion 18.9x 8.8x 27.8x 13.8x 2 affirm $670 million Negative EBITDA³ 86%4 6 weeks to 48 months, up to $17,500 -$21 billion Negative EBITDA Negative EBITDA Negative Net Income Negative Net Income Source: Company Filings, Wall Street Research. Market data as of 4/5/21 Note: Enterprise Value includes corporate and operational debt and excludes debt and cash attributable to VIEs. Projections represent mean Thomson consensus estimates. 1. Adj. EBITDA and Adj. Net Income pro forma for fair market value accounting and include anticipated recurring public company costs. 2021P projections include impact of recent additional government stimulus and assume a corresponding return to pre-COVID demand by the beginning of Q3 2021; Market Cap excludes any impact of working capital adjustments at close as well as impact of -5.6 million Sponsor warrants struck at $11.50 and $15.00, -11.9 million Public Warrants struck at $11.50 and 25.5 million seller eamout shares released at share price hurdles of $12.00, $13.00 and $14.00. 2. Equity value based on FSRV closing share price multiplied by pro forma fully-diluted shares outstanding of 96.2mm plus in-the-money eamout shares of 4.5mm & in-the-money warrants of 1.3mm (using TSM), Based on company investor presentation dated 12/18/20 3. Based on Adj. Operating Loss OppFi" 4. Represents revenue CAGR from fiscal year ending June 30, 2019 through last twelve months ending December 31, 2020#3837 Appendix OppLoans Come as you are. Leave in control. Password Sign In Forgot password? Apply for an account Loans About Us Resources Blog Apply Now Sign in#3938 Non-Prime Customer More Consistent Following Economic Disruption Coupled with short duration of product, this customer shows more resiliency than higher credit score segments in economic dislocations % Change in Delinquency from Before to During Time of Economic Stress 106% 48% (12%) Dot Com Bubble (2001-2002) 220% 92% 31% Post-Katrina (2005) ■ Prime ■ Near PrimeSubprime Source: Federal Reserve Bank of New York Consumer Credit Panel, Equifax, "Personal Loan Performance During Times of Stress" by TransUnion 2016 Note: VantageScore 3.0 Risk Ranges: Prime = 661-720; Near Prime = 601-660; Subprime = 300-600 1. Represents Auto Market Collapse / Financial Crisis 126% 85% Detroit (2007-2009)¹ (27%) OppFi"#40Resilient Credit Performance during COVID-19 We demonstrated our ability to withstand the most challenging economic conditions 39 Delinquency¹ First Payment Defaults² Charge-Offs³ 1. Average of quarterly delinquency data 2. Average of monthly FPD data (new and refi) 3. Net Charge-offs as a % of gross revenue Pre-COVID (Avg. 2019) 12.4% 3.5% 33% FY2020 10.8% 3.2% 28% Active communication with customers and willingness to skip payments when requested Avoided hardest hit industries with job loss Stimulus + reduced spending + customer loyalty OppFi"#4140 OppFi Current Audited Financials EBT to Fair Market Value EBT Reconciliation ($ in millions) Current Audited Financials EBT¹ Loan Loss Reserve Adjustment Capitalization Adjustment Increase / (Decrease) in FMV Pro Forma Fair Market Value EBT² Taxes³ Pro Forma Fair Market Value Net Income 2017A $2.6 6.8 (1.2) 4.7 $12.9 (3.2) $9.6 2018A $9.7 18.7 (6.5) 13.9 $35.8 (8.9) $26.8 2019A $33.0 26.0 (8.3) 17.7 $68.4 (17.1) $51.3 Note: Excludes transaction expenses 1. Represents Net Income as reported in audited financial statements, as the Company does not have tax liability under current LLC pass-through structure 2. The Company is transitioning from an expected credit loss application to a fair market value application acceptable under US GAAP. Historically under the expected credit loss application, the Company has reserved for life losses due to the short duration of receivables 3. Assumes tax rate of 25% 2020A $77.5 1.1 4.9 (16.9) $66.7 (16.7) $50.0 OppFi"#4241 OppFi Current Audited Financials EBT to Adjusted EBT Reconciliation ($ in millions) Current Audited Financials EBT¹ Recruiting Fees, Severance & Relocation Amortization of Debt Transaction Costs Other Addback and One-Time Expenses² Current Audited Financials Adj. EBT Taxes³ Current Audited Financials Adj. Net Income 2017A $2.6 0.2 0.5 1.1 $4.4 (1.1) $3.3 Note: Excludes transaction expenses 1. Represents Net Income as reported in audited financial statements, as the Company does not have tax liability under current LLC pass-through structure 2. Includes one time implementation fees, stock compensation expenses, IPO readiness costs and management fees 3. Assumes tax rate of 25% 2018A $9.7 0.4 0.5 0.5 $11.2 (2.8) $8.4 2019A $33.0 0.3 1.8 0.5 $35.6 (8.9) $26.7 2020A $77.5 0.2 1.9 2.4 $82.0 (20.5) $61.5 OppFi"#43OppFi Fair Market Value EBT to Fair Market Value Adj. EBT and EBITDA Reconciliation 42 ($ in millions) Pro Forma Fair Market Value EBT Recruiting Fees, Severance & Relocation Amortization of Debt Transaction Costs Other Addback and One-Time Expenses¹ Pro Forma Fair Market Value Adj. EBT Taxes² Pro Forma Fair Market Value Adj. Net Income Taxes² Depreciation and Amortization Interest Expense Business (Non-income) Taxes Pro Forma Fair Market Value Adj. EBITDA Note: Excludes transaction expenses 1. Includes one time implementation fees, stock compensation expenses, IPO readiness costs and management fees 2. Assumes tax rate of 25% 2017A $12.9 0.2 0.5 1.1 $14.7 (3.7) $11.0 3.7 0.9 6.2 $21.8 2018A $35.8 0.4 0.5 0.5 $37.2 (9.3) $27.9 9.3 2.4 12.0 0.3 $51.9 2019A $68.4 0.3 1.8 0.5 $71.0 (17.8) $53.3 17.8 4.3 20.7 1.1 $97.0 2020A $66.7 0.2 1.9 2.4 $71.2 (17.8) $53.4 17.8 6.7 19.3 1.5 $98.7 OppFi"