Full Year 2022 Outlook and Key Company Highlights

9 Leverage Billions of Data Points to Make Credit Scores Obsolete OppFi's proprietary algorithms powered by Artificial Intelligence are designed to better predict ability and willingness to repay 13+ Million Applications 2+ Million Loans • • ~11 BILLION Data Points AI-Powered Proprietary Scoring Algorithm 0000 $ 22+ Million Repayments ~500 Attributes per Repayment

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