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