Full Year 2022 Outlook and Key Company Highlights

6 High Percentage of Americans Lack Savings and/or Credit Access 60 million U.S. adults lack access to traditional credit¹ 88888 88888 64% of U.S. consumers live paycheck to paycheck² 44% of U.S. adults have savings to cover a $1,000 unplanned expense³ 1. Hamdani, Kausar, et al. "UNEQUAL ACCESS TO CREDIT The Hidden Impact of Credit Constraints." NewYork Fed.org, 2019 2. LendingClub Corporation. "New Reality Check: The Paycheck-To-Paycheck Report: The Credit Edition." PYMNTS.com, May 2, 2022 3. Bennett, Karen. "Survey: Less than half of Americans have savings to cover a $1,000 surprise expense." Bankrate.com, January 19, 2022 OppFi¨

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