OppFi Pitch Deck

37 Capital Management Ample debt capacity to fund future growth without equity • Available cash of $100 million Estimated 2020 • Year-End Liquidity Total committed credit facilities of $470 million including $50M of additional corporate debt Utilization at 12/31/2020 estimated at 29% Future Capital Allocation Strategy • 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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