OppFi Pitch Deck

Key Company Highlights + 喎 Consistent Growth APPLY 100% +5 year Revenue CAGR1 Strong Profitability Projected Adj. Net Income of ~$66mm in 2021 and -$88mm in 20222 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 88888 88888 1. 2015-2020 Significant Scale Facilitated $2.3+ billion in issuance covering 1.5+ million loans Exceptional Customer Satisfaction Net Promoter Score of 84; 10,000+ online customer reviews with 4.9 / 5.0 average rating 2. Adj. Net Income represents Adj. E-BT tax-affected at 25% assumed tax rate. Pro forma for conversion for fair market value accounting. Includes anticipated recurring public company costs. 2021P projections exclude potential impact of additional government stimulus OppFi

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