Earnings Rebound and Credit Performance

Technology-Fueled Proprietary Credit Models Drive Automated Underwriting Decisions JE 5 100% Cloud Platform AI Powered Conversion, Approvals & Servicing Decisions Powered By Leads Decision Engine 888 Next Best Action Workflow Optimization Consumer Behavior $ Income Data Machine Learning Continuous A/B Testing Bank Data L ך Employment Data Bank Verification Income Verification Modern Data Warehouse Real-time Data & Analytics Microservice Infrastructure لاله Alternative Bureau Data $ Marketing Source Platform has provided credit access to more than 1 million unique customers since inception • Automation supports operating expense efficiency OppFi"

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