OppFi Results Presentation Deck

13 Fair Value First Quarter Valuation ($ in thousands) Outstanding Principal Accrued Interest Interest Rate Discount Rate Servicing Cost¹ Remaining Life Default Rate¹ Accrued Interest¹ Prepayment Rate¹ Premium to Principal² 3/31/2022 $332,517 $10,674 147.7% 21.6% (5.0)% 0.617 years 18.5% Unaudited 3.2% 21.3% 11.6% 12/31/2021 $332,244 $10,637 147.6% 21.8% (5.0)% 0.618 years 17.7% 3.2% 21.0% 12.0% 1. Stated as a percentage of loan receivable. 2 Represent rate applied to on-balance unpaid principal receivables, inclusive of adjustment for accrued interest. Key Highlights . Default rate increased by 80bps due to recent elevated loss rates observed in late 2021 vintages OppFi"

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