OPPFI CARD (OPFI) is a private company. The company provides online personal loans for consumers who lack access to traditional lending options. They offer fast approval decisions and no FICO impact. It has 0 employees.

Transcript

Operator

Good afternoon, and welcome to OppFi's Second Quarter 2026 Earnings Conference Call. As a reminder, this conference is being recorded. I am pleased to introduce your host, Jared Polak. You may begin.

Jared Polak — Company Representative

Thank you, operator. Good afternoon, and welcome to OppFi's Second Quarter 2026 Earnings Call. Today, our Executive Chairman and CEO, Todd Schwartz, and CFO, Pam Johnson, will present our financial results, followed by a question and answer session. You can access the earnings presentation on our website at investors.oppfi.com. During this call, OppFi may discuss certain forward-looking information. The company's filings with the SEC describe factors that could cause actual results, developments, and business decisions to differ materially from forward-looking statements. Please refer to slide two of the earnings presentation and press release for our disclaimer statement covering forward-looking statements and references to information about non-GAAP financial measures, which will be discussed throughout today's call. Reconciliations of those measures to GAAP measures can be found in the appendix to our earnings presentation and press release. In addition, certain important information related to the BNCC transaction is included in the registration statement on Form S-4 filed by OppFi in conjunction with the transaction. Investors are encouraged to read the Form S-4 and other documents filed with the SEC in conjunction with the transaction. Additionally, OppFi and BNCC and their directors and officers may be deemed to be participating in a solicitation of proxies in favor of the proposed merger. Please refer to the disclaimer information included in our earnings release. With that, I'd like to turn the call over to Todd.

Todd Schwartz — Executive Chairman and CEO

Thanks, Jared, and good afternoon, everyone. Thank you for joining us today. I'll first share a business update, and then Pam will review our strategic investments and Q2 financial performance in detail. While Q2 fell short of our original financial expectations, we believe it was one of our most productive quarters from a strategic standpoint. We