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