OppFi Investor Presentation Deck

35 Upstart, Katapult and Affirm: Business Comparison OppFi"* Consumer Finance Originator Proprietary Al for Credit Decisioning Highly Automated Decisioning Utilizes Bank Partnership Model Diverse Marketing Strategy Multiple Years of GAAP Profitability Core Delivery Model Core Customer Demographic Net Promoter Score Capital Markets Execution | t | | ✓ Source Company Filings, Wall Street Research 1. NPS albank partners lending programs 2. Company retains -34% of its originated recevables on bace sheet ✓ Bank Sponsored Origination Non-prime 85 Hybrid | Upstart Katapult affirm ✓ ✓ Bank Sponsored Origination Near Prime 791 Third Party Institutional Sales² ✓ ✓ E-Commerce Lease to Own Non-prime 47 Warehouse ✓ E-Commerce Lease to Own Prime 78 Hybrid OppFi"

View entire presentation