OPFI

SEC source: 0000905148-25-003781 · form4.xml · nonDerivative · entry 1

Johnson Pamela D. · CIK 0001874038 · CFO

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 153,392

F1 · kind: The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on March 10, 2025.

SEC source: 0000905148-25-003511 · form4.xml · nonDerivative · entry 5

McKay Christopher J. · CIK 0001874705 · Chief Risk & Analytics Officer

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 172,129

F3 · kind: The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on December 10, 2024.

SEC source: 0000905148-25-003510 · form4.xml · nonDerivative · entry 5

Johnson Pamela D. · CIK 0001874038 · CFO

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 154,521

F3 · kind: The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on March 10, 2025.

SEC source: 0000905148-25-003511 · form4.xml · derivative · entry 6

McKay Christopher J. · CIK 0001874705 · Chief Risk & Analytics Officer

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 0

Underlying: Class A Common Stock · 3,852 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · shares: On October 1, 2025, the reporting person received shares of Class A Common Stock of the Issuer in settlement of restricted stock units ("RSUs"), which vested on October 1, 2025.

F4 · derivative.exercise_date: Each RSU represents a contingent right to receive one share of Class A Common Stock of the Issuer and was granted pursuant to the Plan. On October 1, 2021, the reporting person was granted 61,613 RSUs. 25% of the RSUs vested on the one-year anniversary of the date of grant and the remainder will vest in equal quarterly increments over the following three years, subject to the reporting person's continued service with the issuer and the terms of the Plan.

F4 · derivative.expiration_date: Each RSU represents a contingent right to receive one share of Class A Common Stock of the Issuer and was granted pursuant to the Plan. On October 1, 2021, the reporting person was granted 61,613 RSUs. 25% of the RSUs vested on the one-year anniversary of the date of grant and the remainder will vest in equal quarterly increments over the following three years, subject to the reporting person's continued service with the issuer and the terms of the Plan.

F1 · derivative.underlying_shares: On October 1, 2025, the reporting person received shares of Class A Common Stock of the Issuer in settlement of restricted stock units ("RSUs"), which vested on October 1, 2025.

SEC source: 0000905148-25-003511 · form4.xml · nonDerivative · entry 4

McKay Christopher J. · CIK 0001874705 · Chief Risk & Analytics Officer

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 181,159

F2 · shares: Represents shares withheld to cover tax withholding obligations upon the settlement of vested RSUs.

SEC source: 0000905148-25-003511 · form4.xml · nonDerivative · entry 3

McKay Christopher J. · CIK 0001874705 · Chief Risk & Analytics Officer

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 183,371

F2 · shares: Represents shares withheld to cover tax withholding obligations upon the settlement of vested RSUs.

SEC source: 0000905148-25-003511 · form4.xml · nonDerivative · entry 2

McKay Christopher J. · CIK 0001874705 · Chief Risk & Analytics Officer

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 186,553

F2 · shares: Represents shares withheld to cover tax withholding obligations upon the settlement of vested RSUs.

SEC source: 0000905148-25-003511 · form4.xml · nonDerivative · entry 1

McKay Christopher J. · CIK 0001874705 · Chief Risk & Analytics Officer

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 187,755

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · shares: On October 1, 2025, the reporting person received shares of Class A Common Stock of the Issuer in settlement of restricted stock units ("RSUs"), which vested on October 1, 2025.

SEC source: 0000905148-25-003510 · form4.xml · derivative · entry 6

Johnson Pamela D. · CIK 0001874038 · CFO

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 0

Underlying: Class A Common Stock · 1,042 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · shares: On October 1, 2025, the reporting person received shares of Class A Common Stock, par value $0.0001 per share, of the issuer in settlement of restricted stock units ("RSUs"), which vested on October 1, 2025.

F4 · derivative.exercise_date: Each RSU represents a contingent right to receive one share of Class A Common Stock, par value $0.0001 per share, of the issuer and was granted pursuant to the Plan. On October 1, 2021, the reporting person was granted 16,660 RSUs. 25% of the RSUs vested on the one-year anniversary of the date of grant and the remainder will vest in equal quarterly increments over the following three years, subject to the reporting person's continued service with the issuer and the terms of the Plan.

F4 · derivative.expiration_date: Each RSU represents a contingent right to receive one share of Class A Common Stock, par value $0.0001 per share, of the issuer and was granted pursuant to the Plan. On October 1, 2021, the reporting person was granted 16,660 RSUs. 25% of the RSUs vested on the one-year anniversary of the date of grant and the remainder will vest in equal quarterly increments over the following three years, subject to the reporting person's continued service with the issuer and the terms of the Plan.

F1 · derivative.underlying_shares: On October 1, 2025, the reporting person received shares of Class A Common Stock, par value $0.0001 per share, of the issuer in settlement of restricted stock units ("RSUs"), which vested on October 1, 2025.

SEC source: 0000905148-25-003510 · form4.xml · nonDerivative · entry 4

Johnson Pamela D. · CIK 0001874038 · CFO

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 160,018

F2 · shares: Represents shares withheld to cover tax withholding obligations upon the settlement of vested RSUs.

SEC source: 0000905148-25-003510 · form4.xml · nonDerivative · entry 3

Johnson Pamela D. · CIK 0001874038 · CFO

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 161,733

F2 · shares: Represents shares withheld to cover tax withholding obligations upon the settlement of vested RSUs.

SEC source: 0000905148-25-003510 · form4.xml · nonDerivative · entry 2

Johnson Pamela D. · CIK 0001874038 · CFO

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 163,707

F2 · shares: Represents shares withheld to cover tax withholding obligations upon the settlement of vested RSUs.

SEC source: 0000905148-25-003510 · form4.xml · nonDerivative · entry 1

Johnson Pamela D. · CIK 0001874038 · CFO

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 164,013

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · shares: On October 1, 2025, the reporting person received shares of Class A Common Stock, par value $0.0001 per share, of the issuer in settlement of restricted stock units ("RSUs"), which vested on October 1, 2025.

SEC source: 0000905148-25-003509 · form4.xml · nonDerivative · entry 1

Schwartz Todd G. · CIK 0001873026 · Director · Chief Executive Officer · 10% owner

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 124,475

F1 · shares: Represents shares withheld to cover tax withholding obligations upon the settlement of vested restricted stock units.

SEC source: 0000905148-25-003346 · form4.xml · derivative · entry 3

Vennettilli David · CIK 0001873027 · Director

10b5-1 filing: No plan indicated

Ownership: Indirect · By DAV 513 Revocable Trust

Disclosed balance after: 284,501

Underlying: Class A Common Stock · 283,501 shares

Expires not disclosed

F5 · security: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A Common Stock, par value $0.0001 per share ("Class A Common Stock"), of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F6 · kind: Reflects the distribution of 249,051 Common Units and 34,450 Common Units by TGS Capital Group LP and Ward Capital Group LP, respectively, to DAV.

F6 · shares: Reflects the distribution of 249,051 Common Units and 34,450 Common Units by TGS Capital Group LP and Ward Capital Group LP, respectively, to DAV.

F5 · derivative.exercise_date: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A Common Stock, par value $0.0001 per share ("Class A Common Stock"), of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F5 · derivative.expiration_date: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A Common Stock, par value $0.0001 per share ("Class A Common Stock"), of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F7 · balance_after: Excludes Common Units held by each of the Trusts. Mr. Vennettilli holds interests in each of the Trusts but disclaims beneficial ownership of such Common Units except to the extent of his pecuniary interest therein, if any.

F8 · ownership.nature: These securities are held by DAV 513 Revocable Trust ("DAV"), of which the reporting person is the sole trustee and sole beneficiary. DAV is a member of Opportunity Financial and the reporting person has the right to cause DAV to exercise for the benefit of the reporting person DAV's Exchange Rights with respect to the Common Units indirectly held by the reporting person.

SEC source: 0000905148-25-003346 · form4.xml · nonDerivative · entry 1

Vennettilli David · CIK 0001873027 · Director

10b5-1 filing: No plan indicated

Ownership: Indirect · By OppFi Shares, LLC

Disclosed balance after: 284,501

F1 · security: Shares of Class V common stock, par value $0.0001 per share ("Class V Common Stock"), of OppFi Inc. (the "Issuer") represent voting, non-economic interests in the Issuer. Except as provided in the Issuer's certificate of incorporation, as amended, or as required by applicable law, holders of Class V Common Stock will be entitled to one vote per share of Class V Common Stock on all matters to be voted on by the Issuer's stockholders generally. The shares of Class V Common Stock will be cancelled by the Issuer if the reporting person exercises (or causes DAV (as defined below in footnote 8) to exercise) Exchange Rights (as defined below in footnote 5).

F2 · kind: Reflects the acquisition of shares of Class V Common Stock in connection with the distribution of an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial") by TGS Capital Group LP and Ward Capital Group LP to DAV.

F2 · shares: Reflects the acquisition of shares of Class V Common Stock in connection with the distribution of an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial") by TGS Capital Group LP and Ward Capital Group LP to DAV.

F2 · price: Reflects the acquisition of shares of Class V Common Stock in connection with the distribution of an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial") by TGS Capital Group LP and Ward Capital Group LP to DAV.

F3 · balance_after: Excludes shares of Class V Common Stock that correspond to the Common Units held by each of TGS MCS Capital Group LP and Ramble MCS Capital Group LP (collectively, the "Trusts"). Mr. Vennettilli holds interests in each of the Trusts but disclaims beneficial ownership of such shares except to the extent of his pecuniary interest therein, if any.

F4 · ownership.nature: The shares of Class V Common Stock are held by OppFi Shares, LLC ("OFS"), which has sole voting power over the shares of Class V Common Stock reported in Table I hereof. The reporting person has the indirect right to cause OFS to dispose of the shares of Class V Common Stock reported in Table I hereof to the Issuer pursuant to the reporting person's (or DAV's) Exchange Rights.

SEC source: 0000905148-25-003345 · form4.xml · derivative · entry 3

Schwartz Todd G. · CIK 0001873026 · Director · Chief Executive Officer · 10% owner

10b5-1 filing: No plan indicated

Ownership: Indirect · By TGS Capital Group, LP

Disclosed balance after: 24,656,083

Underlying: Class A Common Stock · 249,051 shares

Expires not disclosed

F3 · security: Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial") generally represent economic, non-voting interests in Opportunity Financial. OppFi Inc. (the "Issuer") is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock, par value $0.0001 per share ("Class A Common Stock"), of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F4 · kind: Reflects the distribution of 249,051 Common Units by TGS Capital Group LP to DAV 513 Revocable Trust, a limited partner.

F4 · shares: Reflects the distribution of 249,051 Common Units by TGS Capital Group LP to DAV 513 Revocable Trust, a limited partner.

F3 · derivative.exercise_date: Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial") generally represent economic, non-voting interests in Opportunity Financial. OppFi Inc. (the "Issuer") is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock, par value $0.0001 per share ("Class A Common Stock"), of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F3 · derivative.expiration_date: Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial") generally represent economic, non-voting interests in Opportunity Financial. OppFi Inc. (the "Issuer") is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock, par value $0.0001 per share ("Class A Common Stock"), of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F5 · ownership.nature: The reporting person is the manager of the general partner of TGS Capital Group, LP and may be deemed to beneficially own the securities held by TGS Capital Group, LP. The reporting person disclaims beneficial ownership of such securities, except to the extent of his pecuniary interest therein.

SEC source: 0000905148-25-003345 · form4.xml · nonDerivative · entry 1

Schwartz Todd G. · CIK 0001873026 · Director · Chief Executive Officer · 10% owner

10b5-1 filing: No plan indicated

Ownership: Indirect · By TGS Revocable Trust

Disclosed balance after: 433,733

F1 · kind: Reflects a charitable donation.

F2 · ownership.nature: The reporting person is the sole trustee of TGS Revocable Trust.

SEC source: 0000905148-25-003016 · form4.xml · derivative · entry 9

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By LTHS Revocable Trust

Disclosed balance after: 3,000,000

Underlying: Class A Common Stock · 14,907 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F8 · security: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F8 · derivative.exercise_date: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F8 · derivative.expiration_date: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

SEC source: 0000905148-25-003016 · form4.xml · derivative · entry 8

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By LTHS Capital Group LP

Disclosed balance after: 18,887,359

Underlying: Class A Common Stock · 29,809 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F8 · security: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F8 · derivative.exercise_date: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F8 · derivative.expiration_date: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F5 · ownership.nature: The reporting person is the manager of the general partner of LTHS Capital Group LP and may be deemed to beneficially own the securities held by LTHS Capital Group LP. The reporting person disclaims beneficial ownership of such securities, except to the extent of his pecuniary interest therein.

SEC source: 0000905148-25-003016 · form4.xml · nonDerivative · entry 6

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By LTHS Revocable Trust

Disclosed balance after: 0

F6 · kind: The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on December 10, 2024.

F7 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions with prices ranging from $10.56 to $10.92 for a weighted average sale price of $10.7848. The reporting person undertakes to provide the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.

SEC source: 0000905148-25-003016 · form4.xml · nonDerivative · entry 5

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By LTHS Revocable Trust

Disclosed balance after: 14,907

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F4 · kind: Reflects shares of Class A Common Stock, par value $0.0001 per share ("Class A Common Stock"), of the Issuer received in connection with the exercise of the Exchange Rights.

F4 · price: Reflects shares of Class A Common Stock, par value $0.0001 per share ("Class A Common Stock"), of the Issuer received in connection with the exercise of the Exchange Rights.

SEC source: 0000905148-25-003016 · form4.xml · nonDerivative · entry 4

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By LTHS Capital Group LP

Disclosed balance after: 0

F6 · kind: The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on December 10, 2024.

F7 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions with prices ranging from $10.56 to $10.92 for a weighted average sale price of $10.7848. The reporting person undertakes to provide the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.

F5 · ownership.nature: The reporting person is the manager of the general partner of LTHS Capital Group LP and may be deemed to beneficially own the securities held by LTHS Capital Group LP. The reporting person disclaims beneficial ownership of such securities, except to the extent of his pecuniary interest therein.

SEC source: 0000905148-25-003016 · form4.xml · nonDerivative · entry 3

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By LTHS Capital Group LP

Disclosed balance after: 29,809

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F4 · kind: Reflects shares of Class A Common Stock, par value $0.0001 per share ("Class A Common Stock"), of the Issuer received in connection with the exercise of the Exchange Rights.

F4 · price: Reflects shares of Class A Common Stock, par value $0.0001 per share ("Class A Common Stock"), of the Issuer received in connection with the exercise of the Exchange Rights.

F5 · ownership.nature: The reporting person is the manager of the general partner of LTHS Capital Group LP and may be deemed to beneficially own the securities held by LTHS Capital Group LP. The reporting person disclaims beneficial ownership of such securities, except to the extent of his pecuniary interest therein.

SEC source: 0000905148-25-003016 · form4.xml · nonDerivative · entry 2

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By OppFi Shares, LLC

Disclosed balance after: 21,887,359

F1 · security: Shares of Class V common stock, par value $0.0001 per share ("Class V Common Stock"), of OppFi Inc. (the "Issuer") represent voting, non-economic interests in the Issuer. Except as provided in the Issuer's certificate of incorporation, as amended, or as required by applicable law, holders of Class V Common Stock will be entitled to one vote per share of Class V Common Stock on all matters to be voted on by the Issuer's stockholders generally. The shares of Class V Common Stock will be cancelled by the Issuer if the reporting person exercises (or causes LTHS Capital Group LP or LTHS Revocable Trust to exercise) Exchange Rights (as defined below in footnote 8).

F2 · kind: Reflects the cancellation of shares of Class V Common Stock in connection with the exercise of the Exchange Rights with respect to an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial").

F2 · shares: Reflects the cancellation of shares of Class V Common Stock in connection with the exercise of the Exchange Rights with respect to an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial").

F2 · price: Reflects the cancellation of shares of Class V Common Stock in connection with the exercise of the Exchange Rights with respect to an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial").

F3 · ownership.nature: The shares of Class V Common Stock are held by OppFi Shares, LLC ("OFS"), which has sole voting power over the shares of Class V Common Stock reported in Table I hereof. The reporting person has the indirect right to cause OFS to dispose of the shares of Class V Common Stock reported in Table I hereof to the Issuer pursuant to the reporting person's (or LTHS Capital Group LP's or LTHS Revocable Trust's) Exchange Rights.

SEC source: 0000905148-25-003016 · form4.xml · nonDerivative · entry 1

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By OppFi Shares, LLC

Disclosed balance after: 21,902,266

F1 · security: Shares of Class V common stock, par value $0.0001 per share ("Class V Common Stock"), of OppFi Inc. (the "Issuer") represent voting, non-economic interests in the Issuer. Except as provided in the Issuer's certificate of incorporation, as amended, or as required by applicable law, holders of Class V Common Stock will be entitled to one vote per share of Class V Common Stock on all matters to be voted on by the Issuer's stockholders generally. The shares of Class V Common Stock will be cancelled by the Issuer if the reporting person exercises (or causes LTHS Capital Group LP or LTHS Revocable Trust to exercise) Exchange Rights (as defined below in footnote 8).

F2 · kind: Reflects the cancellation of shares of Class V Common Stock in connection with the exercise of the Exchange Rights with respect to an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial").

F2 · shares: Reflects the cancellation of shares of Class V Common Stock in connection with the exercise of the Exchange Rights with respect to an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial").

F2 · price: Reflects the cancellation of shares of Class V Common Stock in connection with the exercise of the Exchange Rights with respect to an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial").

F3 · ownership.nature: The shares of Class V Common Stock are held by OppFi Shares, LLC ("OFS"), which has sole voting power over the shares of Class V Common Stock reported in Table I hereof. The reporting person has the indirect right to cause OFS to dispose of the shares of Class V Common Stock reported in Table I hereof to the Issuer pursuant to the reporting person's (or LTHS Capital Group LP's or LTHS Revocable Trust's) Exchange Rights.

SEC source: 0000905148-25-003017 · form4.xml · nonDerivative · entry 1

Schwartz Todd G. · CIK 0001873026 · Director · Chief Executive Officer · 10% owner

10b5-1 filing: No plan indicated

Ownership: Indirect · By OppFi Shares, LLC

Disclosed balance after: 58,698,241

F1 · security: Shares of Class V common stock, par value $0.0001 per share ("Class V Common Stock"), of the issuer represent voting, non-economic interests in the issuer. Except as provided in the issuer's certificate of incorporation, as amended, or as required by applicable law, holders of Class V Common Stock will be entitled to one vote per share of Class V Common Stock on all matters to be voted on by the issuer's stockholders generally.

F2 · kind: Reflects the surrender and cancellation of shares of Class V Common Stock to the issuer in connection with the exchange of Class A common units of Opportunity Financial, LLC ("Opportunity Financial") by members thereof, other than the reporting person, for shares of Class A common stock, par value $0.0001 per share, of the issuer pursuant to the exchange provisions of the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial.

F2 · price: Reflects the surrender and cancellation of shares of Class V Common Stock to the issuer in connection with the exchange of Class A common units of Opportunity Financial, LLC ("Opportunity Financial") by members thereof, other than the reporting person, for shares of Class A common stock, par value $0.0001 per share, of the issuer pursuant to the exchange provisions of the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial.

F3 · ownership.nature: The shares of Class V Common Stock are held by OppFi Shares, LLC ("OFS"), which has sole voting power over the shares of Class V Common Stock reported in Table I hereof. OFS is wholly owned by TGS Revocable Trust, whose sole trustee is the reporting person. By virtue of these relationships, the reporting person may be deemed to have voting power over the shares of Class V Common Stock held by OFS. The reporting person disclaims beneficial ownership of the shares of Class V Common Stock held by OFS, except to the extent of his pecuniary interest therein.

SEC source: 0000905148-25-002879 · form4.xml · derivative · entry 17

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By LTHS Revocable Trust

Disclosed balance after: 3,014,907

Underlying: Class A Common Stock · 34,112 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F9 · security: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F9 · derivative.exercise_date: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F9 · derivative.expiration_date: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

SEC source: 0000905148-25-002879 · form4.xml · derivative · entry 16

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By LTHS Capital Group LP

Disclosed balance after: 18,917,168

Underlying: Class A Common Stock · 68,213 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F9 · security: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F9 · derivative.exercise_date: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F9 · derivative.expiration_date: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F5 · ownership.nature: The reporting person is the manager of the general partner of LTHS Capital Group LP and may be deemed to beneficially own the securities held by LTHS Capital Group LP. The reporting person disclaims beneficial ownership of such securities, except to the extent of his pecuniary interest therein.

SEC source: 0000905148-25-002879 · form4.xml · nonDerivative · entry 12

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By LTHS Revocable Trust

Disclosed balance after: 0

F6 · kind: The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on December 10, 2024.

F8 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions with prices ranging from $10.65 to $11.01 for a weighted average sale price of $10.7966. The reporting person undertakes to provide the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.

SEC source: 0000905148-25-002879 · form4.xml · nonDerivative · entry 11

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By LTHS Revocable Trust

Disclosed balance after: 34,112

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F4 · kind: Reflects shares of Class A Common Stock, par value $0.0001 per share ("Class A Common Stock"), of the Issuer received in connection with the exercise of the Exchange Rights.

F4 · price: Reflects shares of Class A Common Stock, par value $0.0001 per share ("Class A Common Stock"), of the Issuer received in connection with the exercise of the Exchange Rights.

SEC source: 0000905148-25-002879 · form4.xml · nonDerivative · entry 10

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By LTHS Capital Group LP

Disclosed balance after: 0

F6 · kind: The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on December 10, 2024.

F8 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions with prices ranging from $10.65 to $11.01 for a weighted average sale price of $10.7966. The reporting person undertakes to provide the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.

F5 · ownership.nature: The reporting person is the manager of the general partner of LTHS Capital Group LP and may be deemed to beneficially own the securities held by LTHS Capital Group LP. The reporting person disclaims beneficial ownership of such securities, except to the extent of his pecuniary interest therein.

SEC source: 0000905148-25-002879 · form4.xml · nonDerivative · entry 9

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By LTHS Capital Group LP

Disclosed balance after: 68,213

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F4 · kind: Reflects shares of Class A Common Stock, par value $0.0001 per share ("Class A Common Stock"), of the Issuer received in connection with the exercise of the Exchange Rights.

F4 · price: Reflects shares of Class A Common Stock, par value $0.0001 per share ("Class A Common Stock"), of the Issuer received in connection with the exercise of the Exchange Rights.

F5 · ownership.nature: The reporting person is the manager of the general partner of LTHS Capital Group LP and may be deemed to beneficially own the securities held by LTHS Capital Group LP. The reporting person disclaims beneficial ownership of such securities, except to the extent of his pecuniary interest therein.

SEC source: 0000905148-25-002879 · form4.xml · nonDerivative · entry 8

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By OppFi Shares, LLC

Disclosed balance after: 21,932,075

F1 · security: Shares of Class V common stock, par value $0.0001 per share ("Class V Common Stock"), of OppFi Inc. (the "Issuer") represent voting, non-economic interests in the Issuer. Except as provided in the Issuer's certificate of incorporation, as amended, or as required by applicable law, holders of Class V Common Stock will be entitled to one vote per share of Class V Common Stock on all matters to be voted on by the Issuer's stockholders generally. The shares of Class V Common Stock will be cancelled by the Issuer if the reporting person exercises (or causes LTHS Capital Group LP or LTHS Revocable Trust to exercise) Exchange Rights (as defined below in footnote 9).

F2 · kind: Reflects the cancellation of shares of Class V Common Stock in connection with the exercise of the Exchange Rights with respect to an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial").

F2 · shares: Reflects the cancellation of shares of Class V Common Stock in connection with the exercise of the Exchange Rights with respect to an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial").

F2 · price: Reflects the cancellation of shares of Class V Common Stock in connection with the exercise of the Exchange Rights with respect to an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial").

F3 · ownership.nature: The shares of Class V Common Stock are held by OppFi Shares, LLC ("OFS"), which has sole voting power over the shares of Class V Common Stock reported in Table I hereof. The reporting person has the indirect right to cause OFS to dispose of the shares of Class V Common Stock reported in Table I hereof to the Issuer pursuant to the reporting person's (or LTHS Capital Group LP's or LTHS Revocable Trust's) Exchange Rights.

SEC source: 0000905148-25-002879 · form4.xml · nonDerivative · entry 7

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By OppFi Shares, LLC

Disclosed balance after: 21,966,187

F1 · security: Shares of Class V common stock, par value $0.0001 per share ("Class V Common Stock"), of OppFi Inc. (the "Issuer") represent voting, non-economic interests in the Issuer. Except as provided in the Issuer's certificate of incorporation, as amended, or as required by applicable law, holders of Class V Common Stock will be entitled to one vote per share of Class V Common Stock on all matters to be voted on by the Issuer's stockholders generally. The shares of Class V Common Stock will be cancelled by the Issuer if the reporting person exercises (or causes LTHS Capital Group LP or LTHS Revocable Trust to exercise) Exchange Rights (as defined below in footnote 9).

F2 · kind: Reflects the cancellation of shares of Class V Common Stock in connection with the exercise of the Exchange Rights with respect to an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial").

F2 · shares: Reflects the cancellation of shares of Class V Common Stock in connection with the exercise of the Exchange Rights with respect to an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial").

F2 · price: Reflects the cancellation of shares of Class V Common Stock in connection with the exercise of the Exchange Rights with respect to an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial").

F3 · ownership.nature: The shares of Class V Common Stock are held by OppFi Shares, LLC ("OFS"), which has sole voting power over the shares of Class V Common Stock reported in Table I hereof. The reporting person has the indirect right to cause OFS to dispose of the shares of Class V Common Stock reported in Table I hereof to the Issuer pursuant to the reporting person's (or LTHS Capital Group LP's or LTHS Revocable Trust's) Exchange Rights.

SEC source: 0000905148-25-002878 · form4.xml · nonDerivative · entry 2

Schwartz Todd G. · CIK 0001873026 · Director · Chief Executive Officer · 10% owner

10b5-1 filing: No plan indicated

Ownership: Indirect · By OppFi Shares, LLC

Disclosed balance after: 58,742,957

F1 · security: Shares of Class V common stock, par value $0.0001 per share ("Class V Common Stock"), of the issuer represent voting, non-economic interests in the issuer. Except as provided in the issuer's certificate of incorporation, as amended, or as required by applicable law, holders of Class V Common Stock will be entitled to one vote per share of Class V Common Stock on all matters to be voted on by the issuer's stockholders generally.

F2 · kind: Reflects the surrender and cancellation of shares of Class V Common Stock to the issuer in connection with the exchange of Class A common units of Opportunity Financial, LLC ("Opportunity Financial") by members thereof, other than the reporting person, for shares of Class A common stock, par value $0.0001 per share, of the issuer pursuant to the exchange provisions of the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial.

F2 · price: Reflects the surrender and cancellation of shares of Class V Common Stock to the issuer in connection with the exchange of Class A common units of Opportunity Financial, LLC ("Opportunity Financial") by members thereof, other than the reporting person, for shares of Class A common stock, par value $0.0001 per share, of the issuer pursuant to the exchange provisions of the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial.

F3 · ownership.nature: The shares of Class V Common Stock are held by OppFi Shares, LLC ("OFS"), which has sole voting power over the shares of Class V Common Stock reported in Table I hereof. OFS is wholly owned by TGS Revocable Trust, whose sole trustee is the reporting person. By virtue of these relationships, the reporting person may be deemed to have voting power over the shares of Class V Common Stock held by OFS. The reporting person disclaims beneficial ownership of the shares of Class V Common Stock held by OFS, except to the extent of his pecuniary interest therein.

SEC source: 0000905148-25-002879 · form4.xml · derivative · entry 15

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By LTHS Revocable Trust

Disclosed balance after: 3,049,019

Underlying: Class A Common Stock · 34,322 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F9 · security: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F9 · derivative.exercise_date: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F9 · derivative.expiration_date: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

SEC source: 0000905148-25-002879 · form4.xml · derivative · entry 14

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By LTHS Capital Group LP

Disclosed balance after: 18,985,381

Underlying: Class A Common Stock · 68,637 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F9 · security: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F9 · derivative.exercise_date: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F9 · derivative.expiration_date: Common Units generally represent economic, non-voting interests in Opportunity Financial. The Issuer is the sole manager of Opportunity Financial and controls Opportunity Financial, except as provided by the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial (the "LLC Agreement") or applicable law. Pursuant to the LLC Agreement, each Common Unit can be exchanged by the holder from time to time for either one share of Class A common stock of the Issuer or, at the election of the Issuer in its capacity as the sole manager of Opportunity Financial, the cash equivalent of the market value of one share of Class A Common Stock (the "Exchange Rights").

F5 · ownership.nature: The reporting person is the manager of the general partner of LTHS Capital Group LP and may be deemed to beneficially own the securities held by LTHS Capital Group LP. The reporting person disclaims beneficial ownership of such securities, except to the extent of his pecuniary interest therein.

SEC source: 0000905148-25-002879 · form4.xml · nonDerivative · entry 6

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By LTHS Revocable Trust

Disclosed balance after: 0

F6 · kind: The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on December 10, 2024.

F7 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions with prices ranging from $10.56 to $11.30 for a weighted average sale price of $11.0814. The reporting person undertakes to provide the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.

SEC source: 0000905148-25-002879 · form4.xml · nonDerivative · entry 5

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By LTHS Revocable Trust

Disclosed balance after: 34,322

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F4 · kind: Reflects shares of Class A Common Stock, par value $0.0001 per share ("Class A Common Stock"), of the Issuer received in connection with the exercise of the Exchange Rights.

F4 · price: Reflects shares of Class A Common Stock, par value $0.0001 per share ("Class A Common Stock"), of the Issuer received in connection with the exercise of the Exchange Rights.

SEC source: 0000905148-25-002879 · form4.xml · nonDerivative · entry 4

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By LTHS Capital Group LP

Disclosed balance after: 0

F6 · kind: The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on December 10, 2024.

F7 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions with prices ranging from $10.56 to $11.30 for a weighted average sale price of $11.0814. The reporting person undertakes to provide the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.

F5 · ownership.nature: The reporting person is the manager of the general partner of LTHS Capital Group LP and may be deemed to beneficially own the securities held by LTHS Capital Group LP. The reporting person disclaims beneficial ownership of such securities, except to the extent of his pecuniary interest therein.

SEC source: 0000905148-25-002879 · form4.xml · nonDerivative · entry 3

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By LTHS Capital Group LP

Disclosed balance after: 68,637

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F4 · kind: Reflects shares of Class A Common Stock, par value $0.0001 per share ("Class A Common Stock"), of the Issuer received in connection with the exercise of the Exchange Rights.

F4 · price: Reflects shares of Class A Common Stock, par value $0.0001 per share ("Class A Common Stock"), of the Issuer received in connection with the exercise of the Exchange Rights.

F5 · ownership.nature: The reporting person is the manager of the general partner of LTHS Capital Group LP and may be deemed to beneficially own the securities held by LTHS Capital Group LP. The reporting person disclaims beneficial ownership of such securities, except to the extent of his pecuniary interest therein.

SEC source: 0000905148-25-002879 · form4.xml · nonDerivative · entry 2

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By OppFi Shares, LLC

Disclosed balance after: 22,034,400

F1 · security: Shares of Class V common stock, par value $0.0001 per share ("Class V Common Stock"), of OppFi Inc. (the "Issuer") represent voting, non-economic interests in the Issuer. Except as provided in the Issuer's certificate of incorporation, as amended, or as required by applicable law, holders of Class V Common Stock will be entitled to one vote per share of Class V Common Stock on all matters to be voted on by the Issuer's stockholders generally. The shares of Class V Common Stock will be cancelled by the Issuer if the reporting person exercises (or causes LTHS Capital Group LP or LTHS Revocable Trust to exercise) Exchange Rights (as defined below in footnote 9).

F2 · kind: Reflects the cancellation of shares of Class V Common Stock in connection with the exercise of the Exchange Rights with respect to an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial").

F2 · shares: Reflects the cancellation of shares of Class V Common Stock in connection with the exercise of the Exchange Rights with respect to an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial").

F2 · price: Reflects the cancellation of shares of Class V Common Stock in connection with the exercise of the Exchange Rights with respect to an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial").

F3 · ownership.nature: The shares of Class V Common Stock are held by OppFi Shares, LLC ("OFS"), which has sole voting power over the shares of Class V Common Stock reported in Table I hereof. The reporting person has the indirect right to cause OFS to dispose of the shares of Class V Common Stock reported in Table I hereof to the Issuer pursuant to the reporting person's (or LTHS Capital Group LP's or LTHS Revocable Trust's) Exchange Rights.

SEC source: 0000905148-25-002879 · form4.xml · nonDerivative · entry 1

SCHWARTZ THEODORE G · CIK 0001001874 · Director · 10% owner

10b5-1 filing: Plan reported

Ownership: Indirect · By OppFi Shares, LLC

Disclosed balance after: 22,068,722

F1 · security: Shares of Class V common stock, par value $0.0001 per share ("Class V Common Stock"), of OppFi Inc. (the "Issuer") represent voting, non-economic interests in the Issuer. Except as provided in the Issuer's certificate of incorporation, as amended, or as required by applicable law, holders of Class V Common Stock will be entitled to one vote per share of Class V Common Stock on all matters to be voted on by the Issuer's stockholders generally. The shares of Class V Common Stock will be cancelled by the Issuer if the reporting person exercises (or causes LTHS Capital Group LP or LTHS Revocable Trust to exercise) Exchange Rights (as defined below in footnote 9).

F2 · kind: Reflects the cancellation of shares of Class V Common Stock in connection with the exercise of the Exchange Rights with respect to an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial").

F2 · shares: Reflects the cancellation of shares of Class V Common Stock in connection with the exercise of the Exchange Rights with respect to an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial").

F2 · price: Reflects the cancellation of shares of Class V Common Stock in connection with the exercise of the Exchange Rights with respect to an equivalent number of Class A common units ("Common Units") of Opportunity Financial, LLC ("Opportunity Financial").

F3 · ownership.nature: The shares of Class V Common Stock are held by OppFi Shares, LLC ("OFS"), which has sole voting power over the shares of Class V Common Stock reported in Table I hereof. The reporting person has the indirect right to cause OFS to dispose of the shares of Class V Common Stock reported in Table I hereof to the Issuer pursuant to the reporting person's (or LTHS Capital Group LP's or LTHS Revocable Trust's) Exchange Rights.

SEC source: 0000905148-25-002878 · form4.xml · nonDerivative · entry 1

Schwartz Todd G. · CIK 0001873026 · Director · Chief Executive Officer · 10% owner

10b5-1 filing: No plan indicated

Ownership: Indirect · By OppFi Shares, LLC

Disclosed balance after: 58,845,282

F1 · security: Shares of Class V common stock, par value $0.0001 per share ("Class V Common Stock"), of the issuer represent voting, non-economic interests in the issuer. Except as provided in the issuer's certificate of incorporation, as amended, or as required by applicable law, holders of Class V Common Stock will be entitled to one vote per share of Class V Common Stock on all matters to be voted on by the issuer's stockholders generally.

F2 · kind: Reflects the surrender and cancellation of shares of Class V Common Stock to the issuer in connection with the exchange of Class A common units of Opportunity Financial, LLC ("Opportunity Financial") by members thereof, other than the reporting person, for shares of Class A common stock, par value $0.0001 per share, of the issuer pursuant to the exchange provisions of the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial.

F2 · price: Reflects the surrender and cancellation of shares of Class V Common Stock to the issuer in connection with the exchange of Class A common units of Opportunity Financial, LLC ("Opportunity Financial") by members thereof, other than the reporting person, for shares of Class A common stock, par value $0.0001 per share, of the issuer pursuant to the exchange provisions of the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial.

F3 · ownership.nature: The shares of Class V Common Stock are held by OppFi Shares, LLC ("OFS"), which has sole voting power over the shares of Class V Common Stock reported in Table I hereof. OFS is wholly owned by TGS Revocable Trust, whose sole trustee is the reporting person. By virtue of these relationships, the reporting person may be deemed to have voting power over the shares of Class V Common Stock held by OFS. The reporting person disclaims beneficial ownership of the shares of Class V Common Stock held by OFS, except to the extent of his pecuniary interest therein.

SEC source: 0000905148-25-002746 · form4.xml · nonDerivative · entry 2

McKay Christopher J. · CIK 0001874705 · Chief Risk & Analytics Officer

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 183,903

F2 · shares: Represents shares withheld to cover tax withholding obligations upon the settlement of a previously reported performance-based restricted stock unit award.

SEC source: 0000905148-25-002746 · form4.xml · nonDerivative · entry 1

McKay Christopher J. · CIK 0001874705 · Chief Risk & Analytics Officer

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 184,260

F1 · kind: The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on December 10, 2024.

SEC source: 0000905148-25-002745 · form4.xml · nonDerivative · entry 2

Johnson Pamela D. · CIK 0001874038 · CFO

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 162,971

F2 · shares: Represents shares withheld to cover tax withholding obligations upon the settlement of a previously reported performance-based restricted stock unit award.

SEC source: 0000905148-25-002745 · form4.xml · nonDerivative · entry 1

Johnson Pamela D. · CIK 0001874038 · CFO

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 163,440

F1 · kind: The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on March 10, 2025.

SEC source: 0000905148-25-002483 · form4.xml · nonDerivative · entry 1

Schwartz Todd G. · CIK 0001873026 · Director · Chief Executive Officer · 10% owner

10b5-1 filing: No plan indicated

Ownership: Indirect · By OppFi Shares, LLC

Disclosed balance after: 58,948,241

F1 · security: Shares of Class V common stock, par value $0.0001 per share ("Class V Common Stock"), of the issuer represent voting, non-economic interests in the issuer. Except as provided in the issuer's certificate of incorporation, as amended, or as required by applicable law, holders of Class V Common Stock will be entitled to one vote per share of Class V Common Stock on all matters to be voted on by the issuer's stockholders generally.

F2 · kind: Reflects the surrender and cancellation of shares of Class V Common Stock to the issuer in connection with the exchange of Class A common units of Opportunity Financial, LLC ("Opportunity Financial") by members thereof, other than the reporting person, for shares of Class A common stock, par value $0.0001 per share, of the issuer pursuant to the exchange provisions of the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial.

F2 · price: Reflects the surrender and cancellation of shares of Class V Common Stock to the issuer in connection with the exchange of Class A common units of Opportunity Financial, LLC ("Opportunity Financial") by members thereof, other than the reporting person, for shares of Class A common stock, par value $0.0001 per share, of the issuer pursuant to the exchange provisions of the Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial.

F3 · ownership.nature: The shares of Class V Common Stock are held by OppFi Shares, LLC ("OFS"), which has sole voting power over the shares of Class V Common Stock reported in Table I hereof. OFS is wholly owned by TGS Revocable Trust, whose sole trustee is the reporting person. By virtue of these relationships, the reporting person may be deemed to have voting power over the shares of Class V Common Stock held by OFS. The reporting person disclaims beneficial ownership of the shares of Class V Common Stock held by OFS, except to the extent of his pecuniary interest therein.