OppFi Pitch Deck

2 100% Digital, Scalable & Proprietary Diversified Marketing Platform Diverse Marketing Strategy Substantial shift away from Direct Mail towards lower cost Non-Direct Mail 56.6% 76.1% 81.6% 84.1% IIII 43.4% 23.9% 18.4% Decreasing Cost Per Funded Loan Over Time $103 $79 $71 $60 518,111 509,833 281,256 104,493 15.9% 2017 2018 ■Direct Mail 2019 ■Non-Direct Mail¹ 2020 2017 2018 2019 Total Funded Loans Average mCPF² Marketing Partners credit karma lendingtree credit sesame QUINSTREET EVEN ...plus 50+ others 19 1. Represents SEO, Email Marketing, Customer Referrals, Strategic Partnerships and Other 2. Represents marketing cost per funded loan for new and refinance loans 2020 OppFi***

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