OppFi Investor Presentation Deck

Operational Efficiencies: Automation & Expense Savings Continued increases in operational leverage position OppFi well for post-COVID demand Increasing Automated Approvals (AAR) 15 0% 2017 7% 2018 18% 2019 26% 2020 60% 2021 On track for annualized $15 million in after-tax reduction in operational cost base, exiting 2022: More efficient marketing spending leading to lower cost per funded loan Reduced vendor expenses Headcount rationalization Lower interest expenses from new financing agreements Normalization of costs after going public last year OppFi"

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