Klarna | Pay your way app analytics for December 2

FLEXIBLE WAYS TO PAY Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.¹ SHOP ANYWHERE IN THE KLARNA APP Access Klarna's flexible payment options anywhere - shop at your favorite stores and split your purchase with the payment plan that suits you. UP TO 10% CASHBACK Shop in the app and earn up to 10% cashback.² Get cashback at hundreds of stores in the app. SHOP WITH THE KLARNA CARD³ Pay with Klarna anywhere Visa is accepted. Pay now or pay later with the card. No fees and no credit impact to apply. UNLOCK YOUR KLARNA BALANCE Add money in the Klarna app and pay flexibly, anywhere you shop. Get instant refunds, earn cashback at eligible stores, and convert your cashback into money in your balance.³ USE KLARNA WITH GOOGLE PAY Split the cost with Klarna on Google Pay, available online and in-app⁴ FIND THE BEST PRICE, EVERY TIME Search for any product and instantly compare prices across stores. HASSLE-FREE RETURNS Need to send something back? Report a return right in the app. We’ll pause your purchase so you don’t have to pay in the meantime. TRACK ALL YOUR DELIVERIES Get real-time updates, arrival times, and pickup photos—right in the Klarna app. 24/7 CUSTOMER SERVICE Use our chat in the Klarna app for 24/7 support. ¹Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190. ²Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna Balance and other benefits. Earn cashback on Klarna App purchases. Klarna balance account required and funds can only be used within Klarna. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Klarna may get a commission. Limitations, terms and conditions apply: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/klarna-balance ³Deposits in your balance account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the balance account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. Funds may be made available to you before WebBank receives them (“early availability funds”); such early availability funds may not be FDIC insured until received by WebBank. Loans that you obtain using the Klarna Card not insured by the FDIC and are not deposits. Account disclosures: https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_us/balance-deposit-account-disclosures Use your card anywhere Visa is accepted. Certain merchant, product, good and service restrictions apply. Some merchants do not accept virtual cards. Physical card only included with a paid Klarna Membership Plan. ⁴Google Pay is a trademark of Google LLC.