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Klarna Investor Presentation Deck

Building a sustainable global digital economy by creating benefits for consumers and retailers alike. Shop Trusted brand • Price drops One platform • Easy returns • Inspiration Vibe program Collections Pay • Spread costs • Payment snooze • Fast checkout • Budgeting tools • Zero interest on pay later Bank Current and savings accounts Consumers Ĉ Klarna. jj A Retailers to Grow • Powerful partnerships Halo effect of Klarna brand • Web referrals . Loyal customer base Unparalleled insights ● Consumer acquisition Support • Partner Omnichannel success teams co-marketing ***Simplify • Zero credit risk. Fast integration.

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