FY’24 FICO Score by Consume਀簀 A昀昀irm lends to consumers at all levels of the credit spectrum and underwrites every transaction individually. Approximately 52% of A昀昀irm consumers had FICO scores below 660, and the average FICO score per consumer was 652 during FY’24. Developing Credi琀਀ 2% Deep Subprim攀਀ 10% Superprim攀਀ 18% Subprim攀਀ 17% Prim攀਀ 30% ⨀਀ Based on data between July 2023 - June 202㐀਀ Near Prim攀਀ * Superprime: 730+, Prime: 729 - 660, Near Prime:†⠀ 23% 659 - 620, Subprime: 619 - 580, Deep Subprime:†⠀ 579 - 0, Developing Credit: No available credit score. FY’24 Annual Income by Consume਀簀 A昀昀irm’s consumers span all income levels. In FY’24, approximately 52% of A昀昀irm consumers earned less than $60K per year and average household income per consumer was $74,000. Below $20,00　਀ 4% Above $100,00　਀ 19% $20,000 - $40,00　਀ 23% $40,000 - $60,00　਀ 25% $60,000 - $100,00　਀ 29% * Based on data between July 2023 - June 2024 2024 ESG REPORT 21