OppFi Investor Presentation Deck

20 FGNA Investment Thesis (cont'd) 6 Balance Sheet @ • $96mm Cash (as of 3/31/2021) $550mm Total Liquidity (as of 3/31/2021) 7 Market Opportunity 150 million have less than $1,000 in savings¹ 115 million live paycheck to paycheck² 60 million lack access to traditional credit³ 8 Al-Powered FinTech Platform 9 Risks and Mitigants OppLoans Transition to OppFi: A multi-product platform CREDIT Growing rapidly while loss curves have remained stable Short duration loans quickly prove customer creditworthiness Non-prime consumers are resilient through cycles Reasonable covenants on credit facilities • SINGLE-PRODUCT CONCENTRATION $80 billion TAM in Installment Loans, Salary Tap, Credit Cards 2022 Near Prime Expansion REGULATORY + How else would a business / bank prudently and fairly provide credit access to 20 mm families? Federal Reserve study confirms small dollar loans require higher APR to breakeven4 $594 loan requires 104% APR to breakeven $2,530 loan requires 36% to breakeven "Turn Up" helps customers find best rates, beginning with 3rd parties Products are fair and transparent # . When a customer can't pay, repayment plan gets modified Borrowers incredibly satisfied, NPS of 85 and A+ from BBB Source: Company Filings, CNBC, Forbes, Federal Reserve 1. Elkins, Kathleen. "Here's how much money Americans have in their savings accounts."CNBC.com, Sept 13, 2017 2. Bureau of Labor Statistics-U.S. Full-and Part-Time Workers; Friedman, Zack. 78% Of Workers Live Paycheck To Paycheck"Forbes.com, January 11, 2019 3. Hamdani, Kausar, et al. "UNEQUAL ACCESS TO CREDIT The Hidden Impact of Credit Constraints." NewYorkFed.org, 2019 4. Chen, Lisa and Elliehausen, Gregory. The Cost Structure of Consumer Finance Companies and Its Implications for Interest Rates: Evidence from the Federal Reserve Board's 2015 Survey of Finance Companies." Federal Reserve.gov. Aug 12, 2020 OppFi"

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