OppFi Pitch Deck

36 Growth Strategy and Drivers Potential for Continued ($ in millions) 47% CAGR (2018A-2023P) Growth in $282 $276 Receivables $164 2018A 2019A 34% Installment Loans '18A - '23P CAGR • Assumed return to pre-COVID demand • • • Improved conversion rate optimization of acquisition funnel Operational leverage driven by technology gains in automation and productivity • Stable credit 1. 2021P projections exclude potential impact of additional government stimulus • $510 $800 $1,145 2020E 2021P1 2022P Salary Tap • Employer adoption of financial wellness 195% '21P - '23P Growth Maturation of instant payroll verification and allotment tools • Credit Card 2023P 102% '21P - '23P Growth Extension of customer loyalty to graduation product Potential disruption of large market where current players lack in mobile acquisition and user experience, offer low limit products with high fees as % of principal, and provide poor customer service OppFi

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