Corporate Fact Sheet 2H 2024

| 2024 Building a new kind of payment network that empowers consumers and helps merchants drive growth Mission Our mission is to deliver honest financial products that improve lives. Values People come first: We consider our impact on people’s lives before we think about our own interests. No fine print: We are completely transparent and honest—with our customers and with each other. It’s on us: We take full accountability for our actions, never shirking responsibility or passing the buck. Simpler is better: We make complex things simple and clear. Push the envelope: We never stop innovating, taking smart risks, and raising the bar. When we started A昀昀irm, we wanted to build something truly transparent, where each purchase plan had a clear end-date, there were no surprises or gotchas, and most importantly, you knew exactly what each purchase would cost you. We put what is good for our consumers first and will never benefit from their mistakes or misfortunes. - Max Levchin, Founder and CEO A昀케rm 2024 | 01

A昀케rm by the numbers as of June 30, 2024 >18M $293 >$26B active average gross merchandise volume consumers order value (last twelve months) $316M $663 $0 in late fees, penalties, deferred in late fees avoided by average outstanding balance interest, or compound 1 1 consumers per user interest—ever 1From July 2016 - June 2024; U.S. Only How A昀케rm A昀昀irm empowers consumers by o昀昀ering a transparent and flexible way to pay over helps consumers time with no late or hidden fees. We provide consumers with increased purchasing power and greater control over managing their finances. We enable eligible consumers to pay at their own pace in biweekly or monthly payments, rather than entirely up front. Unlike most credit cards and other pay-over-time options, A昀昀irm doesn’t charge any hidden fees, not even late fees. 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 always see exactly what they will pay up front and are never charged any late or hidden fees, even if they miss a payment. How A昀케rm A昀昀irm helps merchants of all sizes drive growth and better serve their customers. helps merchants Overall, merchants using A昀昀irm reported a more than 70% lift in average cart sizes in fiscal year 2024. 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 and lifestyle, fashion, beauty, travel, fitness, auto service and parts, and more. This network is further bolstered by the A昀昀irm app and A昀昀irm Card, which give consumers a convenient way to use A昀昀irm as an omnichannel payment method. A昀케rm 2024 | 02

Responsibly extending access to credit Alignment of interests We underwrite every transaction individually and— • No ability to revolve by design. No gotchas, by never charging late fees—we do not profit when no late or hidden fees, no surprises. consumers fall behind. Our success is aligned with • Underwrites every individual transaction consumers successfully managing their finances. before making a real-time credit decision. Our underwriting models assess a consumer’s likelihood Transparent of repayment before making a real-time credit decision. • Provides a truth in lending disclosure before Our models consider data beyond just traditional credit each transaction so that consumers know how scores, including transaction history and credit usage. much each transaction will cost. This approach enables A昀昀irm to responsibly extend • Pay in 4 is interest-free. Monthly installments access to credit to a wide segment of consumers. For can be interest-free or simple interest bearing more information on financial inclusion at A昀昀irm, see our with total cost of credit always shown upfront. 2024 ESG Report. Simple and flexible terms • Monthly payment options through A昀昀irm can be • Enables eligible consumers at virtually any interest-free or simple interest bearing, generally merchant to pay over time with term lengths ranging from 0–36% APR, consistent with the 36% generally ranging from 6 weeks up to 48 months. rate-cap that has been supported by consumer • Details of every loan available 24/7. advocacy groups and bipartisan members of Congress. • Facilitating simple interest bearing transactions enables us to address more of our consumers’ and merchants’ needs responsibly. • Simple interest means the interest is based on a fixed for 6 weeks percentage that never compounds, so there are no with $125.00 due today hidden fees. for 6 months • A昀昀irm’s financial products have no deferred, hidden, or surprise interest or fees, ever. for 12 months For Illustrative Purposes Only How A昀케rm makes money A昀昀irm’s success is aligned with consumers and merchants. We win when they win. • A昀昀irm generally earns revenue from merchants when • We also sell a portion of the assets originated in our we help them facilitate a transaction. This is commonly platform to third-party investors and recognize a gain referred to as our merchant discount rate. or loss on the sale of these loans. • We generate revenue through the simple interest • We make money by providing loan services on behalf bearing transactions we facilitate on our platform. of third-party investors that have purchased consumer • A昀昀irm earns interchange fees when consumers use loans from us. A昀昀irm’s card products over established card networks. • Because we don’t charge any late fees, our success is fundamentally aligned with consumers successfully managing their finances. A昀케rm 2024 | 03

Consumer Snapshot A昀昀irm lends to consumers across all levels of the credit spectrum and underwrites every transaction individually. FY’24 FICO Score by Consumer Average FICO score per consumer was 652 during FY’24. *Based on data between July 2023 - June 2024 *Superprime: 730+, Prime: 729 - 660, Near Prime: 659 - 620, Subprime: 619 - 580, Deep Subprime: 579 - 0, Developing Credit: No available credit score. FY’24 Annual Income by Consumer Average household income per consumer was $74K during FY’24. * Based on data between July 2023 - June 2024 Moreover, A昀케rm’s consumers are both demographically and geographically diverse In FY’24, our largest cohorts of consumers were Millennials, followed by Gen X, Gen Z, and Baby Boomers. *Based on data between July 2023 - June 2024 *Gen Z: 1997 - 2012, Millennials: 1981 - 1996, *Gen X (1965 - 1980), Baby Boomers+ (before 1964) *Based on share of unique users A昀昀irm’s consumer base is reflective of the U.S. population, with users from the top five most populated states in the nation comprising over 40% of A昀昀irm’s active users in FY’24. Notably, A昀昀irm has consumers in every U.S. state. A昀케rm 2024 | 04

Regulatory oversight and approach A昀昀irm was purpose-built from the ground up with core values of honesty, transparency, and putting people first. By aligning our interests with those of consumers, A昀昀irm has strived for our policies to represent best practices in consumer protection and regulatory compliance since inception. We actively engage with regulators and policymakers as part of our mission to deliver honest financial products that improve Helpful resources lives, while ensuring compliance with applicable laws and regulations. Environmental, social and governance (ESG) at A昀昀irm A昀昀irm is committed to conducting business in a A昀昀irm is subject to regulatory supervision and oversight, sustainable and socially responsible manner by both directly and indirectly, by way of our partnership with proactively managing our Environmental, Social our originating bank partners and under federal and state and Governance performance. ESG considerations laws in the states in which we operate. This also includes are important to how we do business, from how we licensing in states that require licensing of our interest-free develop products and services and promote financial Pay in 4 product with no late fees, as well as servicing and inclusion and socioeconomic empowerment for our collection licenses required of A昀昀irm and its vendors. consumers, to the way we support employees and give back to our communities. For more information on our licenses, see: Licenses, Notices, and Related Disclosures. Employee giving at A昀昀irm The A昀昀irm Cares Employee Foundation is an A昀昀irm employee volunteer-led 501(c)(3) non-profit established Sustainably advancing our mission by A昀昀irm in late 2019. The A昀昀irm Cares Employee At A昀昀irm, our mission is to deliver honest financial products Foundation has donated to dozens of organizations that improve lives. Our purpose is not solely to improve the focused on building out Vibrant Communities, lives of consumers, merchants, shareholders, and our people, Financial Literacy and Inclusion, and Technology but also the communities in which we operate. We actively Education and Training. manage our environmental impact across our facilities Diversity, equity, and inclusion (DEI) at A昀昀irm through practices and partnerships focused on addressing At A昀昀irm, we believe that diversity, equity, and inclusion climate change, sustainably managing resources, and are vital. We embed DEI into all processes, programs, mitigating our environmental impact. We also empower and structures at A昀昀irm across the employee life people, businesses, and communities by promoting cycle—from how we conduct business to how we hire, financial health, literacy, and inclusion. develop, advance, and retain talent. Since A昀昀irm’s founding, our mission has guided our work Talent at A昀昀irm to build a great, growing, sustainable business that stands Propel A昀昀irm’s mission forward by attracting, engaging, the test of time. We are united by our commitment to and hiring diverse talent, building partnerships, and improve the lives of consumers, to help our partners creating inclusive experiences. grow their businesses, and to deliver lasting value to the Information security at A昀昀irm communities in which we operate, starting with our special We apply best practices that align with security industry team of A昀昀irmers. standards for protecting personal information. Our policies safeguard the collection, use, and disclosure of information. We use a variety of methods to keep our network secure and data safe. A昀케rm 2024 | 05

Payment options through A昀昀irm are provided by these lending partners: a昀昀irm.com/lenders. Your rate will be 0–36% APR based on credit, and is subject to an eligibility check. A昀昀irm Pay in 4 payment option is 0% APR. Options depend on your purchase amount, may vary by merchant, and may not be available in all states. A down payment may be required. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest- free payments of $200 every 2 weeks. The A昀昀irm Money Account is held with Cross River Bank (CRB), Member FDIC. A昀昀irm is not an FDIC-insured bank. FDIC insurance covers accounts held with CRB in the event of a CRB failure. California residents: A昀昀irm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681. The A昀昀irm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The A昀昀irm Card is not available to residents of U.S. territories. The one-time-use A昀昀irm virtual card is issued by Sutton Bank, Member FDIC, Cross River Bank (CRB), Member FDIC, or Celtic Bank, pursuant to a license from Visa U.S.A. Inc. A昀昀irm, Inc., NMLS ID 1883087. A昀昀irm Loan Services, LLC, NMLS ID 1479506. For licenses and disclosures, see a昀昀irm.com/ licenses. Cautionary note about forward-looking statements This document contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended (the “Securities Act”), and Section 21E of the Securities Exchange Act of 1934, as amended, that involve risks and uncertainties. All statements other than statements of historical fact are forward-looking statements, including statements regarding: our strategy and future operations, including our partnerships with certain key merchant partners and commerce platforms as well as our engagement with existing and prospective originating bank partners and card issuing bank partners; the development, innovation, introduction and performance of, and demand for, our products, including A昀昀irm Card; our ability to execute on our initiatives; our ability to maintain funding sources to support our business; acquisition and retention of merchant partners, commerce platforms and consumers; our future growth, investments, network expansion, product mix, brand awareness, financial position, gross merchandise volume, revenue, transaction costs, operating income, provision for credit losses, and cash flows; and general economic trends and trends in our industry and markets. These forward-looking statements involve known and unknown risks, uncertainties and other important factors that may cause our actual results, performance or achievements to be materially di昀昀erent from any future results, performance or achievements expressed or implied by the forward-looking statements. Risks, uncertainties and assumptions include factors relating to: our need to attract additional merchant partners, commerce platforms and consumers and retain and grow our relationships with existing merchant partners, commerce platforms and consumers; the highly competitive and evolving nature of our industry; our need to maintain a consistently high level of consumer satisfaction and trust in our brand; the concentration of a large percentage of our revenue and GMV with a small number of merchant partners and commerce platforms; our ability to sustain our revenue growth rate or the growth rate of our related key operating metrics; our ability to successfully maintain our relationship with existing originating bank partners and card issuing bank partners and engage additional originating bank partners and card issuing partners; our ability to maintain, renew or replace our existing funding arrangements and build and grow new funding relationships; the impact of any of our existing funding sources becoming unwilling or unable to provide funding to us on terms acceptable to us, or at all; our ability to e昀昀ectively underwrite loans facilitated through our platform and accurately price credit risk; the performance of loans facilitated through our platform; the impact of elevated market interest rates and corresponding higher negotiated interest rate spreads on our business; the terms of our securitizations, warehouse credit facilities and forward flow agreements; the impact on our business of general economic conditions, including the impact of inflation, ongoing recessionary concerns, the potential for more instability of financial institutions, the financial performance of our merchant partners and commerce platforms, and fluctuations in the U.S. consumer credit market; our ability to achieve sustained profitability in the future; our ability to grow e昀昀ectively through acquisitions or other strategic investments or alliances; seasonal or other fluctuations in our revenue and GMV as a result of consumer spending patterns; pending and future litigation, regulatory actions and/or compliance issues; developments in our regulatory environment; the impact of the reduction in our workforce announced in February 2023, including our ability to continue to attract and retain highly skilled employees; and other risks that are described in our most recent Annual Report on Form 10-K, and in our other filings with the U.S. Securities and Exchange Commission. These forward-looking statements reflect our views with respect to future events as of the date hereof and are based on assumptions and subject to risks and uncertainties. Given these uncertainties, investors should not place undue reliance on these forward-looking statements. The forward-looking statements are made as of the date hereof, and we assume no obligation and do not intend to update these forward-looking statements. A昀케rm 2024 | 06