OppFi SPAC Presentation Deck

3 FGNA Investment Thesis 1 Not All SPAC Targets Are Created Equal 477 8 SPAC IPOS since 1/1/2020 Targets Projecting GAAP Profitability in 2021 70 Announced Combinations since 1/1/2021 2 Operating Success 100%+ '15A '20A Revenue CAGR 52% 17A-23P Estimated Revenue CAGR 2021P Financial Highlights²: 3 Valuation²,3 ● 3 Historically Profitable Targets Implied 2022P Multiples (NOT 2026) • 5.0x TEV/Adjusted EBITDA 9.1x P/E 1.4x TEV / Revenue Revenue of $418mm (+29% YoY Growth) Adjusted Net Income of $66mm (+24% YoY Growth) OppFi" Only Profitable Target With 50% + 18-20 Revenue CAGR 4 Balance Sheet $46mm Cash (as of 12/31/2020) $526mm Total Liquidity (as of 12/31/2020) 5 Market Opportunity 150 million have less than $1,000 in savings4 115 million live paycheck to paycheck5 60 million lack access to traditional credit 6 Revenue Diversification 7 Al-Powered FinTech Platform Source: Company Filings, SPACinsider and Dealogic; Market as of 3/7/2021 Note: Reconciliation of non-GAAP to GAAP financials for 2017 through 2020 located in Appendix pages 40-42; 2021P projections include impact of recent additional government stimulus and assume a corresponding return to pre-COVID demand by the beginning of Q3 2021 1. Defined as having positive GAAP net income for fiscal years ended 2018 through 2020 2. Adj. Net Income represents Adj. EBT tax-affected at assumed tax rate of 25%. Pro forma for fair market value accounting. 2021P-2023P include anticipated recurring public company costs; Adj. EBITDA pro forma for fair market value accounting. 2021P-2023P include anticipated recurring public company costs 4. Elkins, Kathleen. "Here's how much money Americans have in their savings accounts. CNBC.com, Sept 13, 2017 5. Bureau of Labor Statistics - U.S. Full- and Part-Time Workers; Friedman, Zack. "78% Of Workers Live Paycheck To Paycheck." Forbes.com, January 11, 2019 6. Hamdani, Kausar, et al. "UNEQUAL ACCESS TO CREDIT The Hidden Impact of Credit Constraints." New YorkFed.org, 2019 3. Excludes any impact of working capital adjustments at close as well as impact of -5.6 million Sponsor warrants struck at $11.50 and $15.00-11.9 milion Public Warrants struck at $11.50 and 25.5 million seller eamout shares released at share price hurdles of $12.00, $13.00 and $14.00 OppFi"

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