McKay Christopher J.

SEC source: 0000905148-26-004365 · form4.xml · nonDerivative · entry 3

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 1,427,744

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

SEC source: 0000905148-26-004365 · form4.xml · nonDerivative · entry 2

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 1,428,140

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

SEC source: 0000905148-26-004365 · form4.xml · nonDerivative · entry 1

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 1,429,509

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

SEC source: 0000905148-26-003989 · form4.xml · nonDerivative · entry 1

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 1,431,479

F1 · shares: Represents shares sold to satisfy tax liability upon the vesting of restricted stock units and the April 28, 2026 corporate simplification of the issuer.

F2 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions with prices ranging from $7.07 to $7.34 for a weighted average sale price of $7.1779. 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: 0000905148-26-003172 · form4.xml · nonDerivative · entry 3

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 1,509,329

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

SEC source: 0000905148-26-003172 · form4.xml · nonDerivative · entry 2

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 1,509,725

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

SEC source: 0000905148-26-003172 · form4.xml · nonDerivative · entry 1

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 1,511,094

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

SEC source: 0000905148-26-002954 · form4.xml · nonDerivative · entry 1

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 1,513,063

F1 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions with prices ranging from $8.35 to $8.375 for a weighted average sale price of $8.3526. 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: 0000905148-26-002131 · form4.xml · nonDerivative · entry 1

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 1,536,746

F1 · shares: Represents shares withheld to cover tax withholding obligations upon the settlement of a previously reported performance-based restricted stock unit award.

SEC source: 0000905148-26-001967 · form4.xml · derivative · entry 3

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

10b5-1 filing: No plan indicated

Ownership: Indirect · By OppFi Management Holdings, LLC

Disclosed balance after: 0

Underlying: Class A Common Stock · 1,350,000 shares

Expires not disclosed

F4 · security: Common Units of Opportunity Financial generally represented 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 could be exchanged by the holder from time to time for either one share of Class A Common Stock 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").

F2 · kind: Pursuant to the Corporate Simplification Agreement, dated April 28, 2026 (the "Corporate Simplification Agreement"), each outstanding Class A common unit ("Common Unit") of Opportunity Financial, LLC ("Opportunity Financial") held by any members of Opportunity Financial, including OFMH, was canceled and converted automatically into the right to receive one validly issued, fully paid and non-assessable share of Class A common stock, par value $0.0001 per share, of the Issuer ("Class A Common Stock"). In connection therewith, pursuant to the Corporate Simplification Agreement, OppFi Shares, LLC ("OFS") surrendered to the Issuer the outstanding shares of Class V Common Stock it owned.

F4 · derivative.exercise_date: Common Units of Opportunity Financial generally represented 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 could be exchanged by the holder from time to time for either one share of Class A Common Stock 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 · derivative.expiration_date: Common Units of Opportunity Financial generally represented 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 could be exchanged by the holder from time to time for either one share of Class A Common Stock 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: These Common Units were held by OFMH, of which the reporting person is a member. OFMH is a member of Opportunity Financial. Pursuant to the terms of the Amended and Restated Limited Liability Company Agreement of OFMH, the reporting person had the right to cause OFMH to exercise for the benefit of the reporting person OFMH's Exchange Rights with respect to the Common Units indirectly held by the reporting person.

SEC source: 0000905148-26-001967 · form4.xml · nonDerivative · entry 2

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 1,537,103

F2 · kind: Pursuant to the Corporate Simplification Agreement, dated April 28, 2026 (the "Corporate Simplification Agreement"), each outstanding Class A common unit ("Common Unit") of Opportunity Financial, LLC ("Opportunity Financial") held by any members of Opportunity Financial, including OFMH, was canceled and converted automatically into the right to receive one validly issued, fully paid and non-assessable share of Class A common stock, par value $0.0001 per share, of the Issuer ("Class A Common Stock"). In connection therewith, pursuant to the Corporate Simplification Agreement, OppFi Shares, LLC ("OFS") surrendered to the Issuer the outstanding shares of Class V Common Stock it owned.

F2 · price: Pursuant to the Corporate Simplification Agreement, dated April 28, 2026 (the "Corporate Simplification Agreement"), each outstanding Class A common unit ("Common Unit") of Opportunity Financial, LLC ("Opportunity Financial") held by any members of Opportunity Financial, including OFMH, was canceled and converted automatically into the right to receive one validly issued, fully paid and non-assessable share of Class A common stock, par value $0.0001 per share, of the Issuer ("Class A Common Stock"). In connection therewith, pursuant to the Corporate Simplification Agreement, OppFi Shares, LLC ("OFS") surrendered to the Issuer the outstanding shares of Class V Common Stock it owned.

SEC source: 0000905148-26-001967 · form4.xml · nonDerivative · entry 1

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

10b5-1 filing: No plan indicated

Ownership: Indirect · By OppFi Shares, LLC

Disclosed balance after: 0

F1 · security: Shares of Class V common stock, par value $0.0001 per share ("Class V Common Stock"), of OppFi Inc. (the "Issuer") represented 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 were 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 would be cancelled by the Issuer if the reporting person exercised (or caused OppFi Management Holdings, LLC ("OFMH") to exercise) Exchange Rights (as defined below in footnote 4).

F2 · kind: Pursuant to the Corporate Simplification Agreement, dated April 28, 2026 (the "Corporate Simplification Agreement"), each outstanding Class A common unit ("Common Unit") of Opportunity Financial, LLC ("Opportunity Financial") held by any members of Opportunity Financial, including OFMH, was canceled and converted automatically into the right to receive one validly issued, fully paid and non-assessable share of Class A common stock, par value $0.0001 per share, of the Issuer ("Class A Common Stock"). In connection therewith, pursuant to the Corporate Simplification Agreement, OppFi Shares, LLC ("OFS") surrendered to the Issuer the outstanding shares of Class V Common Stock it owned.

F2 · price: Pursuant to the Corporate Simplification Agreement, dated April 28, 2026 (the "Corporate Simplification Agreement"), each outstanding Class A common unit ("Common Unit") of Opportunity Financial, LLC ("Opportunity Financial") held by any members of Opportunity Financial, including OFMH, was canceled and converted automatically into the right to receive one validly issued, fully paid and non-assessable share of Class A common stock, par value $0.0001 per share, of the Issuer ("Class A Common Stock"). In connection therewith, pursuant to the Corporate Simplification Agreement, OppFi Shares, LLC ("OFS") surrendered to the Issuer the outstanding shares of Class V Common Stock it owned.

F3 · ownership.nature: The shares of Class V Common Stock were held by OFS, which had sole voting power over the shares of Class V Common Stock reported in Table I hereof. The reporting person had 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 OFMH's) Exchange Rights.

SEC source: 0000905148-26-001530 · form4.xml · nonDerivative · entry 4

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 187,103

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

SEC source: 0000905148-26-001530 · form4.xml · nonDerivative · entry 3

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 188,686

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

SEC source: 0000905148-26-001530 · form4.xml · nonDerivative · entry 2

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 190,055

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

SEC source: 0000905148-26-001530 · form4.xml · nonDerivative · entry 1

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 192,025

F1 · shares: Restricted stock units ("RSUs") granted pursuant to the OppFi Inc. 2021 Equity Incentive Plan (the "Plan"). Each RSU represents a contingent right to receive one share of OppFi Inc. Class A Common Stock, par value $0.0001 per share. 25% of the RSUs vested immediately on 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.

SEC source: 0000905148-26-000517 · form4.xml · nonDerivative · entry 1

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 166,018

F1 · shares: Represents shares withheld to cover tax withholding obligations upon the settlement of a previously reported performance-based restricted stock unit award.

SEC source: 0000905148-26-000060 · form4.xml · nonDerivative · entry 2

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 166,381

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

SEC source: 0000905148-26-000060 · form4.xml · nonDerivative · entry 1

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 168,048

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

SEC source: 0000905148-25-003780 · form4.xml · nonDerivative · entry 2

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

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 170,446

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: 0000905148-25-003780 · form4.xml · nonDerivative · entry 1

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

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 171,022

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: 0000905148-25-003511 · 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: 0000905148-25-003511 · 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: 0000905148-25-002746 · 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: 0000905148-25-002338 · form4.xml · nonDerivative · entry 7

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

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 185,366

F8 · 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: 0000905148-25-002338 · form4.xml · derivative · entry 9

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

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 3,852

Underlying: Class A Common Stock · 3,850 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.

F6 · shares: On July 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 July 1, 2025.

F11 · 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.

F11 · 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.

F6 · derivative.underlying_shares: On July 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 July 1, 2025.

SEC source: 0000905148-25-002338 · form4.xml · nonDerivative · entry 6

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

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 194,396

F7 · shares: Represents shares withheld to cover tax withholding obligations upon the settlement of vested RSUs.

SEC source: 0000905148-25-002338 · form4.xml · nonDerivative · entry 5

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

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 195,765

F7 · shares: Represents shares withheld to cover tax withholding obligations upon the settlement of vested RSUs.

SEC source: 0000905148-25-002338 · form4.xml · nonDerivative · entry 4

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

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 197,735

F7 · shares: Represents shares withheld to cover tax withholding obligations upon the settlement of vested RSUs.

SEC source: 0000905148-25-002338 · form4.xml · nonDerivative · entry 3

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

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 198,673

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.

F6 · shares: On July 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 July 1, 2025.

SEC source: 0000905148-25-001928 · form4.xml · nonDerivative · entry 2

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 93,334

F2 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions with prices ranging from $12.83 to $13.07 for a weighted average sale price of $12.9293. 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: 0000905148-25-001928 · form4.xml · nonDerivative · entry 1

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 128,335

F1 · price: The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions with prices ranging from $12.00 to $12.19 for a weighted average sale price of $12.0881. 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: 0000905148-25-002338 · form4.xml · derivative · entry 8

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

10b5-1 filing: Plan reported

Ownership: Indirect · By OppFi Management Holdings, LLC

Disclosed balance after: 1,350,000

Underlying: Class A Common Stock · 101,489 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").

F10 · ownership.nature: These Common Units are held by OFMH, of which the reporting person is a member. OFMH is a member of Opportunity Financial. Pursuant to the terms of the Amended and Restated Limited Liability Company Agreement of OFMH, the reporting person has the right to cause OFMH to exercise for the benefit of the reporting person OFMH's Exchange Rights with respect to the Common Units indirectly held by the reporting person.

SEC source: 0000905148-25-002338 · form4.xml · nonDerivative · entry 2

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

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 194,823

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 by OFMH.

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 by OFMH.

F5 · balance_after: Reflects the number of shares of Class A Common Stock of the Issuer beneficially owned by the reporting person following the transaction reported in the last Form 4 of the reporting person, which was filed on May 28, 2025, as adjusted for this transaction.

SEC source: 0000905148-25-002338 · form4.xml · nonDerivative · entry 1

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

10b5-1 filing: Plan reported

Ownership: Indirect · By OppFi Shares, LLC

Disclosed balance after: 1,350,000

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 OppFi Management Holdings, LLC ("OFMH") 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 OFMH's) Exchange Rights.

SEC source: 0000905148-25-001486 · form4.xml · nonDerivative · entry 1

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 194,823

F1 · shares: Represents shares withheld to cover tax withholding obligations upon the settlement of a previously reported performance-based restricted stock unit award.

SEC source: 0000905148-25-001468 · form4.xml · nonDerivative · entry 1

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

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 195,180

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: 0000905148-25-001208 · form4.xml · nonDerivative · entry 2

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

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 196,287

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: 0000905148-25-001208 · form4.xml · nonDerivative · entry 1

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

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 206,667

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: 0000905148-25-001173 · form4.xml · nonDerivative · entry 2

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

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 217,044

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: 0000905148-25-001173 · form4.xml · nonDerivative · entry 1

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

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 227,421

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: 0000905148-25-001129 · form4.xml · nonDerivative · entry 2

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

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 237,798

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: 0000905148-25-001129 · form4.xml · nonDerivative · entry 1

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

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 248,175

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: 0000905148-25-001088 · form4.xml · nonDerivative · entry 5

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 258,552

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

SEC source: 0000905148-25-001088 · form4.xml · derivative · entry 6

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

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 7,702

Underlying: Class A Common Stock · 3,851 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 April 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 April 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 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, 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 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 April 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 April 1, 2025.