OppFi Investor Presentation Deck

Full Year 2022 Outlook ¹ 18 60% to 65% Net Revenue Margin 20% to 25% Adjusted EBITDA Margin 43% to 47% Adjusted Operating Expense² Margin 8% to 12% Adjusted Net Income Margin Total revenue and ending receivables growth of 20% to 25% in 2022 year over year 1. As disclosed in the first quarter 2022 earnings press release issued on May 5, 2022. 2. 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 OppFi"

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