OppFi Investor Presentation Deck

16 Resilient Credit Performance during COVID-19 We demonstrated our ability to withstand the most challenging economic conditions Delinquency¹ First Payment Defaults² Charge-Offs³ 1. Average of quarterly delinquency data 2. Average of monthly FPD data (new and refi) 3. Net Charge-offs as a % of gross revenue Pre-COVID (Avg. 2019) 12.4% 3.5% 33% FY2020 10.8% 3.2% 28% Active communication with customers and willingness to skip payments when requested Avoided hardest hit industries with job loss Stimulus + reduced spending + customer loyalty OppFi"

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