OppFi Investor Presentation Deck

9 Technology-Fueled Proprietary Algorithms Provide Real-Time Insights QE $) 100% Cloud Platform Leads Decision Engine Machine Learning Bank Verification Income Verification Modern Data Warehouse 888 AI Powered Conversion, Approvals & Servicing Next Best Action Workflow Optimization Continuous A/B Testing Real-time Data & Analytics Microservice Infrastructure DECISIONS POWERED BY ... 10⁰. Consumer Behavior Bank Data Alternative Bureau Data 7 [2] $ Visibility across non-prime risk spectrum enables the targeting of creditworthy borrowers more effectively, providing flexibility to change model criteria quickly Income Data Employment Data Marketing Source OppFi"

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