Table of contents 03 Message from our Founder and CEO, Max Levchin 04 About A昀昀irm 0㐀਀ Who we ar攀਀ 05 Key performance highlights 04 Why we’re here 06 A昀昀irm’s ESG strategy: Simpler is better 07 A昀昀irm’s first materiality assessment: No fine print 09 Governance: It’s on us 0㤀਀ ESG program governanc攀਀ 1㐀਀ Stockholder engagemen琀਀ 1㄀਀ Board oversight of ES䜀਀ 1㔀਀ Information securit礀਀ 1㄀਀ Board diversit礀਀ 1㘀਀ Data privac礀਀ 1㈀਀ Management diversit礀਀ 16 Cybersecurity 13 Stakeholder engagement 20 Social responsibility: People come first 2਀㨀 Financial inclusion and 2㠀਀ Diversity, equity, and inclusion at A昀昀ir洀਀ socioeconomic empowermen琀਀ 3　਀ Compensatio渀਀ 2㌀਀ Customer experienc攀਀ 3㄀਀ Benefit猀਀ 2㐀਀ Financial literacy and community impac琀਀ 3㈀਀ Training and developmen琀਀ 2㔀਀ Code of Conduc琀਀ 3㌀਀ Performance managemen琀਀ 2㘀਀ Human right猀਀ 34 Employee satisfaction and engagement 26 Health and safety 35 Environmental impact & sustainability: Push the envelope 3㔀਀ Energy e昀昀icienc礀਀ 3㜀਀ Waste management 3㔀਀ Environmental footprin琀਀ 3㠀਀ Water managemen琀਀ 36 Our operational GHG emissions footprint 39 2024 Climate-related risk and opportunity screening ESG Report terminolog਀茀 Incorporation by reference਀ꨀ Terms used in this Environmental, Social, and Governance (“ESG”) Report, such as “significance” All website addresses contained in this report are intended to and “material” and variations thereof, are intended to be used only within the context of our ESG provide inactive, textual references only. The content on, or strategies, activities, progress, metrics, and performance. Such terms are distinct from, and do not accessible through, any website identified in this report is not a refer to, concepts used in securities or other applicable law, and the use of such terms is not an part of, and is not incorporated by reference into, this report or in indication that A昀昀irm deems related information to be significant, material, or otherwise important any report or document that we file with the Securities and to an understanding of its business or an investment decision with regard to A昀昀irm securities. Exchange Commission. 2024 ESG REPORT 2