About A昀케rm Who we ar਀漀 A昀昀irm was founded in 2012 with a mission to deliver honest financial products that improve lives. We are building the next-generation platform for digital and mobile-first commerce. We believe that by using modern technology, strong engineering talent, and a mission-driven approach, we can reinvent payments and commerce. Our solutions, which are built on trust and transparency, are designed to make it easier for consumers to spend responsibly and with confidence, easier for merchants and commerce platforms to convert sales and grow, and easier for commerce to thrive. Why we’re here To help consumers on their term਀紀 $0 in late fees in over 10 years Some financial products have historically benefited at consumers’ expense: prolonging and maximizing time in debt and charging fees without adding value. A昀昀irm took a long, hard look at the old system and knew that there had to be a better way. So we built it. A昀昀irm empowers consumers by o昀昀ering a transparent and flexible way to pay over time with no late or hidden fees. We provide consumers with increased purchasing power and greater control over managing their 1 18.7 million Active Consumers finances. We enable eligible consumers to pay on their terms in biweekly or monthly payments, rather than entirely up front. The interest-bearing transactions we facilitate only include simple interest. This means that the interest is based upon a fixed percentage the consumer agrees to up front at checkout and it never compounds. Consumers who choose A昀昀irm never owe a penny more than what they agreed to on day one, even if they’re late or miss a payment. 300,000+ Active Merchants To help merchant਀紀 A昀昀irm helps merchants of all sizes drive growth and better serve their customers. We’ve proven that we can increase sales and introduce new consumers to our merchant partners. That’s why our partners include household-name brands across home, 2023 Newsweek’s Most Trusted lifestyle, fashion, beauty, travel, fitness, auto service and parts, Companies in Americ਀欀 and more. This network is further bolstered by the A昀昀irm app, A昀昀irm ranked 6th out of 44 companies in th攠⠀ which gives consumers a convenient way to use A昀昀irm as an financial services industry in customer trust omnichannel payment method, while providing a marketplace for merchants to reach consumers. All figures presented in this Report are as of June 30, 2024 unless otherwise note਀渀 1 Active Consumers defined as consumers who engage in at least one transaction on A昀昀irm’s platform during the 12 months prior to the measurement date. 2024 ESG REPORT 4