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