Full Year 2022 Outlook and Key Company Highlights

Operational Efficiencies: Automation & Expense Savings Continued increases in operational leverage position OppFil well for post-COVID demand Increasing Automated Approvals (AAR) 60% 26% 18% 0% 7% 2017 2018 2019 2020 2021 On track for annualized $15 million in after-tax reduction in operational cost base, exiting 2022: More efficient marketing spending leading to lower cost per funded loan Reduced vendor expenses Headcount rationalization Lower interest expenses from new financing agreements Normalization of costs after going public last year OppFi" 15

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