OppFi SPAC Presentation Deck

4 Transaction Overview Transaction Overview ● Implied pro forma fully diluted equity value of $803.0mm¹; implied enterprise value of $909.4mm² • Transaction multiples: ● Equity Value / Adj. Net Income: 12.2x (2021P), 9.1x (2022P)1,3,4 Enterprise Value / Adj. EBITDA: 6.9x (2021P), 5.0x (2022P)1,3,5 • Transaction expected to be fully funded through cash in trust with net proceeds going to pay cash consideration to existing OppFi shareholders6 ● • Current owners will initially retain ~62% ownership in public OppFi6 • The transaction is expected to close in Q2 2021 1. Assumes no redemptions and excludes any impact of excess working capital at close 2. Includes net debt of $106.4mm 3. 2021P projections exclude potential impact of additional government stimulus 4. Adj. Net Income represents Adj. EBT tax-affected at 25% assumed tax rate. Pro forma for fair market value accounting and includes anticipated recurring public company costs 5. Adj. EBITDA pro forma for fair market value accounting and includes anticipated recurring public company costs 6. Assumes a share price of $10.00. Ownership excludes dilutive impact of ~5.6 million Sponsor warrants struck at $11.50 and $15.00, 11.9 million Public Warrants struck at $11.50 and 25.5 million seller earnout shares released at share price hurdles of $12.00, $13.00 and $14.00 Pro Forma Ownership ¹,6 8% 30% O 62% Seller Rollover SPAC Investors FGNA Sponsor OppFi****

View entire presentation