OppFi Investor Presentation Deck

15 Non-Prime Customer More Consistent Following Economic Disruption Coupled with short duration of product, this customer shows more resiliency than higher credit score segments in economic dislocations % Change in Delinquency from Before to During Time of Economic Stress 106% 48% (12%) Dot Com Bubble (2001-2002) 220% 92% 31% Post-Katrina (2005) ■ Prime ■ Near Prime ■ Subprime Source: Federal Reserve Bank of New York Consumer Credit Panel, Equifax, "Personal Loan Performance During Times of Stress" by TransUnion 2016 Note: VantageScore 3.0 Risk Ranges: Prime=661-720; Near Prime = 601-660: Subprime = 300-800 1. Represents Auto Market Collapse / Financial Crisis 126% 85% Detroit (2007-2009)¹ (27%) OppFi"

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