Full Year 2022 Outlook and Key Company Highlights

10 Technology-Fueled Proprietary Algorithms Provide Real-Time Insights JE 556 100% Cloud Platform Leads Decision Engine 888 Machine Learning Bank Verification Income Verification Modern Data Warehouse AI Powered Conversion, Approvals & Servicing Next Best Action Workflow Optimization Continuous A/B Testing Real-time Data & Analytics DECISIONS POWERED BY ... Consumer Behavior $ Income Data Bank Data L 7 Microservice Infrastructure |000 Alternative Bureau Data $ Visibility across non-prime risk spectrum enables OppFi to target credit worthy borrowers more effectively, providing flexibility to change model criteria quickly Employment Data Marketing Source OppFi

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