Message from our Founder and CEO, Max Levchin At A昀昀irm, our mission is to deliver honest financial products that improve lives. This mission has guided our work for more than a decade, as we built a scalable, sustainable business to stand the test of time.਀ꨀ Corporate sustainability is an important consideration in how we do business, from how we develop products and services that empower consumers, to the way we support employees and give back to our communities. Last year, we introduced A昀昀irm’s first ever Environmental, Social, and Governance (“ESG”) Report that detailed our strategy, program governance, and accomplishments under each pillar of ESG. This year, we are pleased to share an update on the progress of our program. Some of the highlights from this year include: We improved our emissions data collection processes and refined our Scope 1 (direct) and Scope 2 (indirect) greenhouse gas emissions for the 2023 fiscal year. We also calculated and disclosed our Scope 3 emissions for the first time. These e昀昀orts demonstrate our commitment to environmental awareness, and the results validate the environmental sustainability of our operating model. We conducted an extensive screening to identify and assess climate-related risks and opportunities that might impact our operations and consumers in North America. The results of that screening indicate that A昀昀irm does not currently face any material climate-related risks We continued to promote transparency for both current and prospective A昀昀irmers. In November 2023,†⠀ we published geographic di昀昀erentials, pay grades, and pay structures for every job at the company.†⠀ We believe this level of transparency inspires confidence in our compensation decisions, builds trust amongst our team, and attracts new, talented A昀昀irmers to join our mission. I am truly grateful to the hard-working A昀昀irmers who have put this company on such a strong trajectory for the future. We look forward to providing additional updates as we advance on our sustainability journey
⡖ OnwardⰀ਀ Max Levchin 2024 ESG REPORT 3