OppFi SPAC Presentation Deck

37 Capital Management Ample debt capacity to fund future growth without equity Estimated 2020 Year-End Liquidity Future Capital Allocation Strategy Available cash of $100 million • Total committed credit facilities of $470 million including $50M of additional corporate debt Utilization at 12/31/2020 estimated at 29% ● ● ● ● ● ● Continue growth in installment business funded through existing credit facilities and free cash flow generation Ramp Payroll Deduction and Credit Cards offerings Launch adjacent products in near-prime lending (i.e., mortgages, digital banking) Opportunistic acquisitions of complementary businesses OppFi****

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