OppFi Investor Presentation Deck

Long-Term Guidance 19 Net Revenue Margin Adjusted Operating Expense¹ Margin Adjusted EBITDA Margin Adjusted Net income Margin LONG-TERM 70% 44% 30% 15% 1. Adjusted Operating Expense is defined as total expenses excluding interest expense, add backs and one-time items. Adjusted Operating Expense is not a financial measure determined in accordance with GAAP.

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