Key observation਀紀 We identified five topics across the social and governance categories that are considered to be most important to A昀昀irm: Transparency: A昀昀irm is committed to providing accurate and complete disclosures to both internal and external stakeholder groups Financial literacy and inclusion: A昀昀irm views this topic as important because it supports e昀昀orts “to deliver honest financial products that improve lives” and ameliorates regulatory concern and feedback around A昀昀irm’s product o昀昀erings, among other factors Diversity, equity, and inclusion: A昀昀irm is committed to building a diverse and engaged community. A昀昀irm has ongoing initiatives and established priorities aimed at enhancing employee engagement and promoting diversity at every level of the business. Business ethics: Under our Code of Ethics and Business Conduct, our employees, o昀昀icers, and directors are held to the highest levels of ethical behavior and integrity. Merchant partnership and engagement: A昀昀irm is focused on building strong merchant and vendor partnerships. Closely aligned with the company’s DE&I e昀昀orts, A昀昀irm continues to invest in and create intentional outreach e昀昀orts that are designed to increase its merchant base, support merchant engagement, and improve merchant diversity e昀昀orts. e Transparency anc ort d Imp ablishe Diversity, Equity, Inclusion st E Financial Literacy and Inclusion G Merchant Partnership and Engagement o EW Business Ethics t e anc t mpor I e anc ort ging Imp Emer Emerging Importance Established Importance Importance to A昀케rm as a Business Environmental Governance Social We expect to leverage the results of this materiality assessment, as well as feedback from future stakeholder engagement, to help guide the evolution of our ESG program. 2024 ESG REPORT 8