Earnings Rebound and Credit Performance

OppFi Growth Strategy Accelerate Profitable Growth • • Drive profitable OppLoans volume growth Continue to refine and enhance underwriting model, focusing on more favorable credit tiers Maintain low customer acquisition costs and grow lower cost channels, such as SEO Diversify into new customer and product types via M&A Acquire platforms or assets providing accessible credit products to new customers Expand into adjacent service businesses with synergies to core product Achieve selected vertical integration Serve more customers through new relationships and products • Form new strategic channel relationships to reach more non-prime consumers at the point of need Maintain and grow network of aggregators 9 OppFi¨

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