<SEC-DOCUMENT>0001104659-21-075726.txt : 20210602
<SEC-HEADER>0001104659-21-075726.hdr.sgml : 20210602
<ACCEPTANCE-DATETIME>20210602160609
ACCESSION NUMBER:		0001104659-21-075726
CONFORMED SUBMISSION TYPE:	DEFA14A
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20210602
DATE AS OF CHANGE:		20210602

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FG New America Acquisition Corp.
		CENTRAL INDEX KEY:			0001818502
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		IRS NUMBER:				851648122
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEFA14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-39550
		FILM NUMBER:		21989128

	BUSINESS ADDRESS:	
		STREET 1:		105 S. MAPLE STREET
		CITY:			ITASCA
		STATE:			IL
		ZIP:			60143
		BUSINESS PHONE:		(847) 791-6817

	MAIL ADDRESS:	
		STREET 1:		105 S. MAPLE STREET
		CITY:			ITASCA
		STATE:			IL
		ZIP:			60143
</SEC-HEADER>
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<P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt; font-size: 14pt"><B>UNITED STATES</B></P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>

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<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FG NEW AMERICA ACQUISITION CORP.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(Name of Registrant as Specified In Its Charter)</B></P>

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Other Than the Registrant)</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><I>In connection with
the previously announced business combination between Opportunity Financial, LLC (&ldquo;OppFi&rdquo;) and FG New America
Acquisition Corp. (&ldquo;FGNA&rdquo; or the "Company"), Jared Kaplan, OppFi&rsquo;s CEO, appeared on Bloomberg Quicktake program on June 1, 2021.
Mr. Kaplan made various social media posts regarding his appearance on Bloomberg Quicktake. The transcript of Mr. Kaplan&rsquo;s
appearance on Bloomberg Quicktake and social media posts are being filed herewith as soliciting material.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><I>A transcript of Bloomberg Quicktake Program on which Mr. Kaplan,
OppFi&rsquo;s CEO, appeared on June 1, 2021 follows:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Sonali Basak (Bloomberg):</B> CEOs from the top six banks are facing
the public for cross examination. It&rsquo;s the first one since Democrats took control of the Senate, and the White House this year,
and the Democrats are not holding back. There are several issues when it comes to consumer banking right now and that includes loans.
Is it easy to get one? How hard is it? How expensive? Employee salaries, especially as bank branches across the country have been closing
down, overdraft fees &ndash; we've all have paid them before and diversity in banking staff. Will the industry in the future look a lot
more like the country it serves?</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Tim Stenovec (Bloomberg): </B>Well to get into this, joining us
now is Jared Kaplan CEO of OppFi, a FinTech platform powering credit access for everyday consumers, also Bloomberg banking reporter Hannah
Levitt. Jared, Hannah &ndash; thanks so much for being here. Look, I want to go back to something that Sonali just talked about. This
idea of overdraft fees because as of yesterday, Elizabeth Warren certainly went viral when she approached JPMorgan CEO Jamie Dimon on
overdraft fees. Let's take a listen to that exchange right here. Well, certainly understandable why that exchange went viral yesterday.
Hannah, take us into what Senator Warren was so frustrated about it? Is it a real concern to a bank like JPMorgan and to Americans?</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Hannah Levitt (Bloomberg): </B>Yeah, so that's a great question.
So, what&rsquo;s she so concerned about was overdraft fees. And that's the charge you get when a payment that you're making exceeds the
amount that you have in your bank account. Senator Warren went after JPMorgan CEO Jamie Dimon and other bank CEOs yesterday about the
amount that they collected in overdraft fees last year. And remember, you know, last year was for a lot of the biggest banks a record
year by many measures and it was also a pandemic so the fees that these customers are paying at a time widespread economic hardship and
also when banks are having record earnings. And her point yesterday was that had JPMorgan, any other banks not charged these they would
still in most cases have had billions and billions in profit last year. And it is a real concern. The biggest banks collect billions of
dollars in overdraft fees each year. And bank regulators have actually found that most of that comes from a subset of consumers who overdraw
once or more each month.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Basak: </B>Hannah, there was another issue that was being raised
among Warren and more of her Democratic peers, and that's that consumers may have found it harder to access banking services if they were
in minority communities, lower income communities, banking deserts across the country. You've covered consumer banking for a long time,
as well as covering JPMorgan, is that an issue? Are consumers finding it harder to get money?</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Levitt: </B>So that's a really interesting question, right? Because
on one hand you have all these fintechs and all the digital banking services that make it easier to access, it makes you less geographically
bound to things like branches in order to access the banking system. But on the other hand, good old fashioned branches have been closing
left and right, and that's certainly an issue. And then also, you know, as people face economic hardship and can't get into the banking
system or they get pushed out of the banking system, then that drives them towards things like predatory lending and things that operate
kind of on the fringes of the banking system that really aren't healthy for consumers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Basak: </B>Jared, you run a fintech company. You focus on customers
that banks often do leave behind. When consumers are working with banks or fintechs, what are the number one things they should look out
for so they&rsquo;re avoiding the kind of things, the overdraft fees, hidden fees that congress is so concerned about?</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Jared Kaplan (OppFi): </B>Thanks for having me on. The good news
is there's a lot of innovation happening in the financial technology world. As it relates to overdraft fees, my point of view is they're
going the way of brokerage fees, trading fees on brokerage platforms. You have everyone from the Chimes of the world, to the Bridges of
the world, to the Daves of the world that have created systems and products that help customers avoid overdraft fees and the big banks
are losing share because of it. You&rsquo;re seeing massive adoption of these newer platforms and so I think if the banks don't adjust
the customers are going to leave them and over time the customer is going to win here. So I think we&rsquo;re at least headed in the right
direction with innovation there. The other piece though is the access to credit. If you&rsquo;ve got less than a 620 FICO score, you&rsquo;re
done. You cannot get access to mainstream credit and this is where innovation can also be helpful. There is a treasure trove of alternative
data out there that&rsquo;s available today to figure out someone&rsquo;s ability and willingness to repay regardless of their credit
score is. And I think there are a number of providers that are leading the charge and some community banks thank goodness have partnered
with financial technology companies to ensure that customers have access with the appropriate consumer protections. And that was what
Hannah was alluding to. The markets of last resort of yesteryear are quickly changing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Stenovec: </B>Well Jared, what&rsquo;s the balance here, though?
Because it is costly. Or correct me if I&rsquo;m wrong, but is it costly to a bank if a consumer spends money that&rsquo;s not in their
account? They&rsquo;re protected with that overdraft protection but it comes at a fee. Is it costly to the bank to offer that service?</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Kaplan: </B>Well, it&rsquo;s absolutely costly to subsidize a customer
that goes negative but at the same time, it moves all of us to use financial education to make sure customers understand what their ability
to pay is. And then to surround themselves with tools to allow some flexibility that when they do go negative that they can be protected.
And if you have a fulsome life of a customer with you there&rsquo;s lots of other products and services that you can use with them over
the life that you have with them to make plenty of money. So, being reliant on overdraft fees I don&rsquo;t think is a business model
that works going forward.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Basak: </B>Hannah, you covered JPMorgan's PPP efforts as well as
Wells Fargo's, when you talk to folks about their ability to get money in the worst of the crisis and their ability to get money for small
businesses, mortgages, everything they need just to kind of make their life more full, their economic lives, have they found it difficult?</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Levitt: </B>It's a really interesting question. Right, and it's
kind of two-pronged. First of all, you know, banks in times of crisis tend to tighten their credit boxes and what that means is that they
essentially are willing to give loans to a smaller group of people with high credit scores. And then the other thing is that one of the
issues that we saw with PPP was that a lot of the banks were requiring you have an existing relationship with that lender in order to
have them facilitate their PPP loan. And so, for the people who didn't already have relationships with those banks that made it harder,
you know, they couldn&rsquo;t just walk in and say, &ldquo;Hi, I need a PPP loan.&rdquo; It was more complicated than that.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Basak: </B>Jared, you've written this piece about customers being
vulnerable to predatory lending as it gets pushed further out of the banking system. What is it that you're really worried about that
customers can be mistreated as they seek a loan?</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Kaplan: </B>Well, I think sometimes you can be motivated by a platform&rsquo;s
speed and efficiency and if you have less than $1,000 of savings in your bank account, like 150 million people in the country have today,
and your car breaks down and you need two grand you need to borrow, speed is really important so you can get to work tomorrow. But that&rsquo;s
the beauty of the internet today and the efficiency out there. I think there are a lot of high-quality platforms that will check the markets
that are considered more mainstream first, before looking to higher cost products that serve a need. And it's important that customers
understand that not all higher cost products are created equal. So, they should be looking at products that amortize principal with repayments,
that have no ancillary fees, that report to the credit bureaus to build traditional credit reporting, and that care about ability to repay
before they extend the credit.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Basak:</B> Jared Kaplan, CEO of OppFi and Bloomberg&rsquo;s Hannah
Levitt, one of our top banking reporters here at Bloomberg. Thank you, both, for your time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">###</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><I>The following communication was shared by Jared Kaplan, CEO of OppFi,
through his LinkedIn account on June 1, 2021:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; text-align: left; margin-top: 0pt; margin-bottom: 0pt"><B>LinkedIn:</B> Great to catch up with @ Sonali Basak, @ Tim Stenovec,
and @ Hannah Levitt on @ Bloomberg Quicktake for a discussion on the current state of financial services and what #FinancialInclusion
really looks like for the everyday consumer who is locked out of mainstream credit.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; text-align: left; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; text-align: left; margin-top: 0pt; margin-bottom: 0pt">https://www.bloomberg.com/news/videos/2021-05-27/bloomberg-quicktake-take-focus-full-show-05-27-2021-video</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; text-align: left; margin-top: 0pt; margin-bottom: 0pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; text-align: left; margin-top: 0pt; margin-bottom: 0pt"><I>Important Information regarding the OppFi/FG New America transaction,
participants in the solicitation and non-solicitation: </I>oppl.co/31nNfWi</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><I>The following communication was shared by Jared Kaplan, CEO of OppFi,
through his Twitter account on June 1, 2021:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; text-align: left; margin-top: 0pt; margin-bottom: 0pt"><B>Twitter:</B> Great conversation w/ @sonalibasak @timsteno @hannahlevitt
on @Quicktake about how banks and #fintech can partner to improve #CreditAccess with appropriate consumer protections. $FGNA</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; text-align: left; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; text-align: left; margin-top: 0pt; margin-bottom: 0pt">https://oppl.co/3c0DH9i</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; text-align: left; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; text-align: left; margin-top: 0pt; margin-bottom: 0pt">Important Info re: OppFi/FGNA transaction: oppl.co/31nNfWi</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><I>The text of the transcript linked in the June 1, 2021 social media
posts is as follows:</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Sonali Basak (Bloomberg):</B> CEOs from the top six banks are facing
the public for cross examination. It&rsquo;s the first one since Democrats took control of the Senate, and the White House this year,
and the Democrats are not holding back. There are several issues when it comes to consumer banking right now and that includes loans.
Is it easy to get one? How hard is it? How expensive? Employee salaries, especially as bank branches across the country have been closing
down, overdraft fees &ndash; we've all have paid them before and diversity in banking staff. Will the industry in the future look a lot
more like the country it serves?</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Tim Stenovec (Bloomberg): </B>Well to get into this, joining us
now is Jared Kaplan CEO of OppFi, a FinTech platform powering credit access for everyday consumers, also Bloomberg banking reporter Hannah
Levitt. Jared, Hannah &ndash; thanks so much for being here. Look, I want to go back to something that Sonali just talked about. This
idea of overdraft fees because as of yesterday, Elizabeth Warren certainly went viral when she approached JPMorgan CEO Jamie Dimon on
overdraft fees. Let's take a listen to that exchange right here. Well, certainly understandable why that exchange went viral yesterday.
Hannah, take us into what Senator Warren was so frustrated about it? Is it a real concern to a bank like JPMorgan and to Americans?</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Hannah Levitt (Bloomberg): </B>Yeah, so that's a great question.
So, what&rsquo;s she so concerned about was overdraft fees. And that's the charge you get when a payment that you're making exceeds the
amount that you have in your bank account. Senator Warren went after JPMorgan CEO Jamie Dimon and other bank CEOs yesterday about the
amount that they collected in overdraft fees last year. And remember, you know, last year was for a lot of the biggest banks a record
year by many measures and it was also a pandemic so the fees that these customers are paying at a time widespread economic hardship and
also when banks are having record earnings. And her point yesterday was that had JPMorgan, any other banks not charged these they would
still in most cases have had billions and billions in profit last year. And it is a real concern. The biggest banks collect billions of
dollars in overdraft fees each year. And bank regulators have actually found that most of that comes from a subset of consumers who overdraw
once or more each month.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Basak: </B>Hannah, there
was another issue that was being raised among Warren and more of her Democratic peers, and that's that consumers may have found it harder
to access banking services if they were in minority communities, lower income communities, banking deserts across the country. You've
covered consumer banking for a long time, as well as covering JPMorgan, is that an issue? Are consumers finding it harder to get money?</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Levitt: </B>So that's a really interesting question, right? Because
on one hand you have all these fintechs and all the digital banking services that make it easier to access, it makes you less geographically
bound to things like branches in order to access the banking system. But on the other hand, good old fashioned branches have been closing
left and right, and that's certainly an issue. And then also, you know, as people face economic hardship and can't get into the banking
system or they get pushed out of the banking system, then that drives them towards things like predatory lending and things that operate
kind of on the fringes of the banking system that really aren't healthy for consumers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Basak: </B>Jared, you run a fintech company. You focus on customers
that banks often do leave behind. When consumers are working with banks or fintechs, what are the number one things they should look out
for so they&rsquo;re avoiding the kind of things, the overdraft fees, hidden fees that congress is so concerned about?</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Jared Kaplan (OppFi): </B>Thanks for having me on. The good news
is there's a lot of innovation happening in the financial technology world. As it relates to overdraft fees, my point of view is they're
going the way of brokerage fees, trading fees on brokerage platforms. You have everyone from the Chimes of the world, to the Bridges of
the world, to the Daves of the world that have created systems and products that help customers avoid overdraft fees and the big banks
are losing share because of it. You&rsquo;re seeing massive adoption of these newer platforms and so I think if the banks don't adjust
the customers are going to leave them and over time the customer is going to win here. So I think we&rsquo;re at least headed in the right
direction with innovation there. The other piece though is the access to credit. If you&rsquo;ve got less than a 620 FICO score, you&rsquo;re
done. You cannot get access to mainstream credit and this is where innovation can also be helpful. There is a treasure trove of alternative
data out there that&rsquo;s available today to figure out someone&rsquo;s ability and willingness to repay regardless of their credit
score is. And I think there are a number of providers that are leading the charge and some community banks thank goodness have partnered
with financial technology companies to ensure that customers have access with the appropriate consumer protections. And that was what
Hannah was alluding to. The markets of last resort of yesteryear are quickly changing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Stenovec: </B>Well Jared, what&rsquo;s the balance here, though?
Because it is costly. Or correct me if I&rsquo;m wrong, but is it costly to a bank if a consumer spends money that&rsquo;s not in their
account? They&rsquo;re protected with that overdraft protection but it comes at a fee. Is it costly to the bank to offer that service?</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Kaplan: </B>Well, it&rsquo;s absolutely costly to subsidize a customer
that goes negative but at the same time, it moves all of us to use financial education to make sure customers understand what their ability
to pay is. And then to surround themselves with tools to allow some flexibility that when they do go negative that they can be protected.
And if you have a fulsome life of a customer with you there&rsquo;s lots of other products and services that you can use with them over
the life that you have with them to make plenty of money. So, being reliant on overdraft fees I don&rsquo;t think is a business model
that works going forward.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Basak: </B>Hannah, you covered JPMorgan's PPP efforts as well as
Wells Fargo's, when you talk to folks about their ability to get money in the worst of the crisis and their ability to get money for small
businesses, mortgages, everything they need just to kind of make their life more full, their economic lives, have they found it difficult?</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Levitt: </B>It's a really interesting question. Right, and it's
kind of two-pronged. First of all, you know, banks in times of crisis tend to tighten their credit boxes and what that means is that they
essentially are willing to give loans to a smaller group of people with high credit scores. And then the other thing is that one of the
issues that we saw with PPP was that a lot of the banks were requiring you have an existing relationship with that lender in order to
have them facilitate their PPP loan. And so, for the people who didn't already have relationships with those banks that made it harder,
you know, they couldn&rsquo;t just walk in and say, &ldquo;Hi, I need a PPP loan.&rdquo; It was more complicated than that.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Basak: </B>Jared, you've written this piece about customers being
vulnerable to predatory lending as it gets pushed further out of the banking system. What is it that you're really worried about that
customers can be mistreated as they seek a loan?</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Kaplan: </B>Well, I think sometimes you can be motivated by a platform&rsquo;s
speed and efficiency and if you have less than $1,000 of savings in your bank account, like 150 million people in the country have today,
and your car breaks down and you need two grand you need to borrow, speed is really important so you can get to work tomorrow. But that&rsquo;s
the beauty of the internet today and the efficiency out there. I think there are a lot of high-quality platforms that will check the markets
that are considered more mainstream first, before looking to higher cost products that serve a need. And it's important that customers
understand that not all higher cost products are created equal. So, they should be looking at products that amortize principal with repayments,
that have no ancillary fees, that report to the credit bureaus to build traditional credit reporting, and that care about ability to repay
before they extend the credit.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"><B>Basak:</B> Jared Kaplan, CEO of OppFi and Bloomberg&rsquo;s Hannah
Levitt, one of our top banking reporters here at Bloomberg. Thank you, both, for your time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify; background-color: white"><B><I>Important
Information About the Business Combination and Where to Find It</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify; background-color: white"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify; background-color: white"><B><I></I></B> In connection with the proposed business combination, the Company
filed a preliminary proxy statement and the amendments thereto and will file a definitive proxy statement with the U.S. Securities and
Exchange Commission (the &ldquo;SEC&rdquo;). <B>The Company&rsquo;s stockholders and other interested persons are advised to read the
preliminary proxy statement and the amendments thereto and, when available, the definitive proxy statement and documents incorporated
by reference therein filed in connection with the business combination, as these materials contain important information about OppFi,
the Company and the business combination.</B> When available, the definitive proxy statement and other relevant materials for the business
combination will be mailed to stockholders of the Company as of a record date to be established for voting on the business combination.
Stockholders of the Company will also be able to obtain copies of the preliminary proxy statement, the definitive proxy statement and
other documents filed with the SEC that will be incorporated by reference therein, without charge, once available, at the SEC&rsquo;s
web site at www.sec.gov, or by directing a request to: FG New America Acquisition Corp., 105 S. Maple Street, Itasca, Illinois 60143,
Attention: Hasan Baqar.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify; background-color: white"><B><I>Participants in
the Solicitation</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify; background-color: white">The Company and its directors
and executive officers may be deemed participants in the solicitation of proxies from the Company&rsquo;s stockholders with respect to
the business combination. A list of the names of those directors and executive officers and a description of their interests in the Company
was filed in the preliminary proxy statement for the proposed business combination and is available free of charge at the SEC&rsquo;s
web site at www.sec.gov, or by directing a request to FG New America Acquisition Corp., 105 S. Maple Street, Itasca, Illinois 60143, Attention:
Hasan Baqar. Additional information regarding the interests of such participants will be contained in the proxy statement for the business
combination when available.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="background-color: white">OppFi and
its directors and executive officers may also be deemed to be participants in the solicitation of proxies from the stockholders of the
Company in connection with the </FONT>business combination<FONT STYLE="background-color: white">. A list of the names of such directors
and executive officers and information regarding their interests in the business combination was included in the preliminary proxy statement
for the proposed </FONT>business combination<FONT STYLE="background-color: white">. </FONT>Additional information regarding the interests
of such participants will be contained in the proxy statement for the business combination when available.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify; background-color: white"><B><I>Forward-Looking
Statements</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">This communication includes &quot;forward-looking
statements&quot; within the meaning of the &quot;safe harbor&quot; provisions of the Private Securities Litigation Reform Act of 1995.
These forward-looking statements include, without limitation, OppFi's beliefs regarding the impact of the proposed business combination
on its business. FGNA's and OppFi's actual results may differ from their expectations, estimates and projections and consequently, you
should not rely on these forward-looking statements as predictions of future events. Words such as &quot;expect,&quot; &quot;estimate,&quot;
 &quot;project,&quot; &quot;budget,&quot; &quot;forecast,&quot; &quot;anticipate,&quot; &quot;intend,&quot; &quot;plan,&quot; &quot;may,&quot;
 &quot;will,&quot; &quot;could,&quot; &quot;should,&quot; &quot;believes,&quot; &quot;predicts,&quot; &quot;potential,&quot; &quot;continue,&quot;
and similar expressions are intended to identify such forward-looking statements. These forward-looking statements include, without limitation,
OppFi's beliefs regarding the impact of the proposed business combination on its business. These forward-looking statements involve significant
risks and uncertainties that could cause the actual results to differ materially from the expected results. Most of these factors are
outside FGNA's and OppFi's control and are difficult to predict. Factors that may cause such differences include, but are not limited
to: (1) the occurrence of any event, change or other circumstances that could give rise to the termination of the definitive business
combination agreement (the &quot;Agreement&quot;); (2) the outcome of any legal proceedings that may be instituted against FGNA and OppFi
following the announcement of the Agreement and the transactions contemplated therein; (3) the inability to complete the proposed business
combination, including due to failure to obtain approval of the stockholders of FGNA, certain regulatory approvals or satisfy other conditions
to closing in the Agreement, including with respect to the levels of FGNA stockholder redemptions; (4) the occurrence of any event, change
or other circumstance that could give rise to the termination of the Agreement or could otherwise cause the transaction to fail to close;
(5) the impact of COVID-19 on OppFi's business and/or the ability of the parties to complete the proposed business combination; (6) the
inability to obtain or maintain the listing of the combined company's shares of common stock on the New York Stock Exchange following
the proposed business combination; (7) the risk that the proposed business combination disrupts current plans and operations as a result
of the announcement and consummation of the proposed business combination; (8) the ability to recognize the anticipated benefits of the
proposed business combination, which may be affected by, among other things, competition, the ability of OppFi to grow and manage growth
profitably and retain its key employees; (9) costs related to the proposed business combination; (10) changes in applicable laws or regulations;
(11) the possibility that OppFi or FGNA may be adversely affected by other economic, business, and/or competitive factors; (12) whether
OppFi will be successful in launching OppFi Card, including whether there will be consumer or market acceptance of OppFi Card; and (13)
other risks and uncertainties indicated from time to time in FGNA&rsquo;s proxy statement relating to the proposed business combination,
including those under &quot;Risk Factors&quot; therein, and in FGNA's other filings with the SEC. FGNA and OppFi caution that the foregoing
list of factors is not exclusive. FGNA and OppFi caution readers not to place undue reliance upon any forward-looking statements, which
speak only as of the date made. FGNA and OppFi do not undertake or accept any obligation or undertaking to release publicly any updates
or revisions to any forward-looking statements to reflect any change in its expectations or any change in events, conditions or circumstances
on which any such statement is based.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify; background-color: white"><B><I>No Offer or Solicitation</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify; background-color: white">This communication shall
not constitute a solicitation of a proxy, consent or authorization with respect to any securities or in respect of the business combination.
This communication shall also not constitute an offer to sell or the solicitation of an offer to buy any securities, nor shall there be
any sale of securities in any states or jurisdictions in which such offer, solicitation or sale would be unlawful prior to registration
or qualification under the securities laws of any such jurisdiction. No offering of securities shall be made except by means of a prospectus
meeting the requirements of section 10 of the Securities Act of 1933, as amended, or an exemption therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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