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