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9 You earned some Bitcoin!

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Earn bitcoin
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as little as a few cents each month.

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Each month, we’ll automatically buy
Bitcoin with your earned interest.
* Fee free as always
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|9:41 all ¥ @
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D Self-Employed/Business Owner
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D Investments/Savings
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Buy and sell bitcoin with no fees.
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converted interest at anytime.
| am not subject to backup withholding.
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Terms and Conditions, and Privacy Policy. Bitcoin execution
and custody services are provided by NYDIG Execution LLC
(“NYDIG”). NYDIG is authorized by the New York State
Department of Financial Services to engage in virtual
currency business activity. Show more
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finances.
ANNUAL INCOME

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EMPLOYMENT STATUS o
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Terms and Conditions, and Privacy Policy. Bitcoin execution
and custody services are provided by NYDIG Execution LLC
(“NYDIG”). NYDIG is authorized by the New York State
Department of Financial Services to engage in virtual
currency business activity. Show more
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ANNUAL INCOME
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D Sale of Asset/Business
D Other (Please describe)
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finances.
Annual income v
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|9:41 all & @
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Awesome, let’s get a better picture of your
finances.
ANNUAL INCOME N,
Annual income
v Annual income
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Less than $50,000
$50,000 to $74,999
$75,000 to $99,999
$100,000 to $149,999
$150,000 to $199,999
$200,000 or more
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ANNUAL INCOME

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EMPLOYMENT STATUS o
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SOURCE OF FUNDS/WEALTH N

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ANNUAL INCOME
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EMPLOYMENT STATUS N,
Employment status
v Employment status
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You’re ready to go !
Easily access your savings and Bitcoin accounts
— from the Save tab.
When you earn interest on your savings account,
" we’ll automatically convert it into Bitcoin -
* there’s nothing you need to do. (See the Affirm
Crypto Terms for details.)
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name: Searching for titles, authors and topics

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{ Q ThinK Cancel
Think Again
Adam Grant
Learn how to adapt to change
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Daniel Kahneman
Nobel Prize winner Daniel
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2V Think Again
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Daniel Kahneman
Nobel Prize winner Daniel
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I I I ;Qf}\ I ,I I Gain better control of your mind
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Pay over time information

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X Choose how to pay
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Hi

We appreciate your interest in Affirm.

Based on an eligibility check, we can't help you
pay for your purchase right now.

This decision is based on factors that may
change, so we hope you'll try us again.

This check did not affect your credit score.
You can find more details about this decision
here.
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Terms of service

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LAST UPDATED: MARCH 23, 2022
TLDR: we've launched an in-app subscription and a
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<  Terms of Service
Terms of Service
Last Updated: October 29, 2019
Please read these Terms of Service (the “Terms”) and our
Privacy Notice, as referenced below, (“Privacy Notice”)
carefully because they govern your use of this mobile
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Requesting a virtual card

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X www.affirm.com :
11/8/22
Thank you for your interest in a loan through Affirm issued by Cross River Bank, 885 Teaneck
Road Teaneck, NJ 07666 USA. Our partner bank can't prequalify you for the following reasons:
¢ DEROGATORY PUBLIC RECORD OR COLLECTION FILED
e RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS
TOO HIGH
e TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED
e LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
Our decision was based in whole or in part on information obtained from the following
consumer reporting agency:
Experian's National Consumer Assistance Center
P.O. Box 4500
Allen, TX 75013
(888) 397-3742
This consumer reporting agency played no part in our decision and is unable to supply specific
reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act
to know the information contained in your credit file at the consumer reporting agency. You also
have a right to a free copy of your report from the reporting agency, if you request it no later
than 60 days after you receive this notice. In addition, if you find that any information contained
in the report you receive is inaccurate or incomplete, you have the right to dispute the matter
with the reporting agency. Any questions regarding such information should be directed to the
reporting agency listed above.
We also obtained your credit score from this consumer reporting agency and used it in making
our credit decision. Your credit score is a number that reflects the information in your consumer
report. Your credit score can change, depending on how the information in your consumer
report changes.
Your credit score: 522
Date: 11/7/22
Scores range from a low of 300 to a high of 850.
Key factors that adversely affected your credit score:
o DEROGATORY PUBLIC RECORD OR COLLECTION FILED
e RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS
TOO HIGH
e TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED
e LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
If you have any questions regarding your credit score, you should contact Experian directly at
(888) 397-3742.
Further, our decision was based in whole or in part on information obtained from an affiliate or
from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting
Act, you have the right to make a written request, no later than 60 days after you receive this
notice, for the disclosure of the nature of this information.
If you have any questions regarding this letter, you should contact us at:
Affirm, Inc.
30 Isabella Street, Floor 4
Pittsburgh, PA 15212
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Loan terms

platform: android

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affirm)
This loan agreement (this "Agreement”) is made between you as borrower ("you', and "your") and Affirm Canada Holdings
Ltd. as lender ("us", "we", and "our"). This Agreement governs the terms and outlines the conditions under which a loan will be
issued to you. The disclosure statement (the "Disclosure Statement") below forms an integral part of this Agreement. The
term "merchant’ shall mean the person or company who will be providing and/or delivering the merchandise or
goods/services to you. By entering into and accepting this Agreement, you confirm that you have read, understood, and
agreed to the terms and conditions of this Agreement and you acknowledge that you have been provided with an express
opportunity to accept or decline this Agreement and to correct any errors.
DISCLOSURE STATEMENT*
T
Annual Percentage Rate: 0% APR
Down Payment (if applicable): $8.10
Total of Advances: $45.84
Total Cost of Credit/Cost of Borrowing: $0.00
Amount of Each Payment: $15.28
Total of all Payments: $53.94
Due Monthly Starting: *** 2022-12-23
* The amounts in this disclosure statement, including the Loan Amount, are a reasonable estimate based on the merchant
processing your order on or about 2022-11-22.
** |f applicable, the annual interest rate will not change during the term of this loan. Interest will begin to accrue on or
about the date that the merchant processes your order. There is no grace period.
*+* This is an estimate of the payment due date based on the merchant processing your order on 2022-11-22. The actual
due date will be determined on the day the merchant processes your order.
Terms and Conditions
1. Personal information; credit authorization; statements of account. You authorize us, our affiliates, and anyone else
acting for us to collect, hold, use, exchange, and disclose your personal information for any of the following purposes:
(a) to confirm your identity; (b) to evaluate your creditworthiness; (c) to administer and manage this Agreement and
your loan with us; (d) to assign or securitize any amounts payable by you under this Agreement; (e) to provide to our
lenders, any credit bureau, or any person with whom you have a financial relationship; (f) to market refinancing
opportunities and our current and future products and services to you (both during and after the term of the loan); (g)
to provide you with other services at your request, including financial management tools and credit profile tools; (h) to
analyze the impact of the loan on your credit and to perform internal statistical/data analysis; (i) to share information
with you about your credit profile; and (j) as otherwise required for the purposes of the transactions contemplated
under this Agreement or permitted by law. You have a general right to access and rectify personal information about
you that we hold. All matters surrounding our collection, use and disclosure of your personal information are fully
explained in our Privacy Policy, a copy of which is available on our website or upon written request from us.
You expressly authorize us to obtain consumer/credit reports from consumer/credit reporting agencies about you: (1)
when you apply for a loan; (2) periodically throughout the term of your loan (including in the month following the
month when you pay off or otherwise satisfy the loan); and (3) periodically in connection with any other services you
may obtain from us (including services involving financial management or credit profile tools we may offer). You
expressly authorize us to use the information that we obtain from such reports to, among other things, market
refinancings and our current and future products and services to you (both during and after the term of your loan and
the term of any other services you may obtain from us), provide you with other services (including financial
management tools and credit profile tools) you may request, make decisions related to the servicing and collection of
your account, measure how the loan you obtained from us impacts your credit, perform other statistical analysis, and
share information with you about your credit profile. You understand that we may report information about your loan
to consumer/credit reporting agencies in accordance with applicable law.
Your authorization is dated as of the date you accept this Agreement and is continuing while you continue to use
Affirm's services. You may withdraw your authorization by contacting us at 888-484-4282. For residents of
Newfoundland and Labrador: We will obtain the consumer/credit report from TransUnion, Attn: Consumer Relations,
3115 Harvester Road, Suite 201 Burlington ON L7N3N8
2. Promise to pay. In return for the loan made to you by us, you promise to pay us $45.84 CAD (Canadian Dollars), the
amount of the loan (the "Loan Amount"). You will make payments under this Agreement as specified in the Disclosure
Statement,
3. Interest (if applicable). You must pay interest on the loan at the interest rate set forth in the Disclosure Statement
above. The loan is a simple interest loan. Interest begins to accrue from the date the merchant processes your order.
Your loan accrues interest daily on the unpaid Loan Amount until you repay the loan in full. At no time shall interest
accrued and paid on the loan be more than the amount set forth in the Total Cost of Credit/Cost of Borrowing section
found in the Disclosure Statement above.
|12:00 P41
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Amazon

SCHEDULE DETAILS
Loan (ID: 92R1-DVFB)
Purchase total $53.94
Total interest (0.00% APR) + S0.00
Total of payments S45.84
Loan terms
O Loan verification
E  View purchase on Amazon
E] How to make a return
S —


Terms of service

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appCategory: Health & Fitness

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About Atul Gawande
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Current loan detail

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screenPatterns:
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screenElements:
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Amazon
SCHEDULE DETAILS
Your loan is approved but still processing. It's
OK! Your loan status will change to “confirmed”
when Amazon ships your order. Once confirmed,
your total may adjust to reflect your actual taxes.
We'll refund any difference via your loan, so you
may have a smaller final payment. For questions
about your order, please reach out to Amazon, or
for more info, visit our Help Centre.

PAID TO DATE REMAINING
$0.00 $45.84
® Merchant Processing Order: Nov 23, 2022

O AutoPay: Dec 23, 2022 $15.28
AutoPay: Jan 23, 2023 $15.28
AutoPay: Feb 23,2023 $15.28

. ]
|9:41 all T @
X
Amazon
SCHEDULE DETAILS
Loan (ID:92R1-DVFB)
Purchase total $53.94
Down payment $8.10
Financed amount $45.84
TOTAL INTEREST (0.00% APR) +$0.00
Total of payments $45.84
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E] Report a return
|9:41 il © @
TOTAL BALANCE
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https://www.apple.com/shop/buy-iphone/iphone-14
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rates may apply. By continuing, | agree to Affirm's
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screenElements:
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Loan agreement

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9:41 all T @
X
Amazon
SCHEDULE DETAILS
Loan (ID:92R1-DVFB)
Purchase total $53.94
Down payment $8.10
Financed amount $45.84
TOTAL INTEREST (0.00% APR) +$0.00
Total of payments $45.84
Loan terms
D Loan verification
@II View purchase on Amazon
E] Report a return
|9:41 all F @)
X www.affirm.ca :
affm

CANADIAN LOAN AGREEMENT
This loan agreement (this "Agreement") is made between you as borrower
("you", and "your") and Affirm Canada Holdings Ltd. as lender ('us", "we",
and "our"). This Agreement governs the terms and outlines the conditions
under which a loan will be issued to you. The disclosure statement (the
"Disclosure Statement") below forms an integral part of this Agreement. The
term "merchant" shall mean the person or company who will be providing
and/or delivering the merchandise or goods/services to you. By entering
into and accepting this Agreement, you confirm that you have read,
understood, and agreed to the terms and conditions of this Agreement
and you acknowledge that you have been provided with an express
opportunity to accept or decline this Agreement and to correct any
errors.
oo |
* The amounts in this disclosure statement, including the Loan Amount,
are a reasonable estimate based on the merchant processing your order
on or about 2022-11-22.
** If applicable, the annual interest rate will not change during the term of
this loan. Interest will begin to accrue on or about the date that the
merchant processes your order. There is no grace period.
*** This is an estimate of the payment due date based on the merchant
processing your order on 2022-11-22. The actual due date will be
determined on the day the merchant processes your order.
Terms and Conditions
1. Personal information; credit authorization; statements of account.
You authorize us, our affiliates, and anyone else acting for us to collect,
hold, use, exchange, and disclose your personal information for any of
the following purposes: (a) to confirm your identity; (b) to evaluate your
creditworthiness; (c) to administer and manage this Agreement and your
loan with us; (d) to assign or securitize any amounts payable by you
under this Agreement; (e) to provide to our lenders, any credit bureau, or
any person with whom you have a financial relationship; (f) to market
refinancing opportunities and our current and future products and
services to you (haiimikiibcmticmiiabtaguiasn of the loan); (g) to
nrovide vou with other cervicee at volrr reatieet inchiidina financial


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screenPatterns:
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9:41 You’ll be charged for Imprinty] = @)
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X
OVER 20K
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APP OF THE DAY
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|9:41 all © @m)
X Imprint
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john.mobbinl@gmail.com
|9:41 all ¥ @m)
° What's included?
Subscribers get full access to the
Imprint library of visual guides and
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|9:41 -Ill ? @'
X
Is it easy to cancel?
We offer a free trial so everyone can
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experiences. If you're not ready to
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cancel at any time during the trial —
we want to support your education,
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|9:41 all § @)
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|9:41 all T @)
Imprint ®
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|9:41 all T =
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|9:41 all § @)
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|9:41 all T =
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screenPatterns:
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LAST UPDATED NOVEMBER 8, 2022
[ ] [J [J

Affirm Privacy Policy
PLEASE READ THIS PRIVACY POLICY
CAREFULLY. THIS POLICY DESCRIBES THE
WAYS Affirm, INC. and its affiliate Affirm Loan
Services, LLC ("Affirm", "we", "us", "our") OR OUR
VENDORS COLLECT, PROTECT, USE AND
STORE YOUR PERSONAL INFORMATION. YOU
ACCEPT THIS PRIVACY POLICY BY USING OUR
PRODUCTS AND SERVICES ON OUR WEBSITE
OR THROUGH ANY OTHER MEANS
(COLLECTIVELY THE "SERVICES"). We may
amend this Privacy Policy at any time by posting
a revised version on our website. We will attempt
to give a reasonable notice period upon making
any changes; however, unless otherwise stated,
the revised version will be effective at the time
we post it.
1. How Affirm collects vour

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|X Profile ®
Personalized services ()
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@ Help Center
Privacy Policy
@ Do not sell my info
E] Terms of Service
C—> Sign out
By using this app, | agree to Affirm’s
Terms of Service
Copyright © 2022 Affirm, INC
VERSION 3.164.0 | BUILD 2429
. ]


Onboarding

actions:
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Creating Account

screenElements:
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screenElements:
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Change Your Thinking
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Not right now
|9:41 all F @)
It’s free—
Made possible
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|9:41 ull T @)
& _ 2/9
Great! How We
Feel will help you:

Find the right words to describe
your emotions

Find strategies that help you work
with your emotions

Identify patterns through daily
tracking
|9:41 all F )
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How often do you
want to check in?

By creating repetition with your check-ins,
you can uncover more about your
emotional self.
2 per day
1per day (recommended)
3 per day 4 per day
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|9:41 all F (@)
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|9:41 il F (Em)
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First check-in complete
Remember to check in reguarly to spot
patterns
|9:41 -Ill ? (G
Terms & Privacy
Your data is yours
Your data is kept on your device (meaning
we don’t send it to our servers). We won’t sell
your data or use it in any way without your
permission. For research purposes, we
collect non-identifying information about
app usage.
This app isn’t the same thing
as therapy
The advice in this app is intended for
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These humans were not

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~f Power in routine, social life, and self
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Today, your mind is not cooperating with you. You ask
pointed questions, accidentally speak over people, and
misread non-verbal cues. Become one with group
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accept others without judgment, and that's a start.
This month, you have to focus on how to tear down walls
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