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Klarna Business Update

A preferred growth partner for retailers. Active retailers Growth in number of retailers with transactions during the last twelve months. Global US 2019 H1 2019 H1 ~1.3x 2020 H1 ~2.5x 2020 H1 In-store UK 2019 H1 2019 H1 2x 2020 H1 ~1.8x 2020 H1 Main focus on growth in new markets, e.g. the US and the UK XXXXX 美 Rapid growth of Klarna's in-store offering. XXXX**

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