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