A昀케rm’s ESG strategy: Simpler is better Sustainably advancing our mission to improve live਀紀 At A昀昀irm, our mission is to deliver honest financial products that improve lives. Our purpose is not solely to improve the lives of consumers, merchants, stockholders, and our employees, but also the communities in which we operate. Our business strategy is supported by our core values: Simpler is better; No fine print; It’s on us; People come first; and Push the envelope.਀ꨀ Our ESG strategy directly aligns with these core values: Simpler is better It’s on us We make complex things simple and clear. Which is We take full accountability for our actions, never shirking why we will always strive to e昀昀ectively communicate responsibility or passing the buck. We view good governance our ESG strategy, including our objectives and progress as foundational to our ESG program as it promotes accountability toward those objectives, in a clear, concise, and easily in our e昀昀orts to make a positive social impact and to minimize understandable manner. our impact on the environment. No昀椀neprint Peoplecome昀椀rst We are completely transparent and honest—with our We consider our impact on people’s lives before we stakeholders and with each other. If we view an ESG metric think about our own interests. This means we align our as important, we will work toward disclosing it t漠⠀ success with the success of our consumers, merchants, our stakeholders. A昀昀irmers, and the communities in which we do business. Pushtheenvelope We never stop innovating, taking smart risks, and raising the bar. We actively manage our environmental impact across our facilities, which includes practices and partnerships focused on addressing climate change, sustainably managing resources, and mitigating our environmental impact. 2024 ESG REPORT 6