OppFi Investor Presentation Deck

10 Vast, Underserved Market Opportunity ~150 million U.S. Adults with Less Than $1,000 in Savings¹ Salary Tap by OppFi OppFi Card by OppFi ~$21bn² Nonprime Credit Cards OppLoans by OppFi 1-$27bn³ Installment Loans 1 Implies Current Penetration of <1% ~$32bn4 Payroll Deduction Lending | Represents recent and planned product expansions in adjacent markets 1. Elkins, Kathleen. "Here's how much money Americans have in their savings accounts. "CNBC.com, Sept 13, 2017 2. US Census Bureau and Experian - Based on adult population of US (-255mm) as of July 1, 2019 multiplied by population within 580-869 credit band (-18%) multiplied by -30% approval rate of target population (-40mm) qualified to receive credit card with $1.500 credit limit 3. Hamdani, Kausar, et al. "UNEQUAL ACCESS TO CREDIT The Hidden Impact of Credit Constraints." NewYorkFed.org. 2019-Based on qualified portion (-30%) of target population (-60mm) receiving $1,500 installment loan issued principal 4. DailyPay, US Bureau of Labor Statistics and US Census Bureau - Based on adult population of US (-255mm) multiplied by employment rate as of February 2021 (-58%) multiplied by the percentage of employed Americans relying on employer-offered financial assistance programs (-30%); assumes -30% of this target population (-53mm) qualified to receive $2,000 in payroll deduction lending OppFi"

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