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Klarna Investor Presentation Deck

Our customer obsession drives greater engagement and loyalty. Our considerable effort to improve our customer experience and add more useful features for our consumers is paying off. In every market, we see that earlier cohorts transact more frequently and the frequency per cohort increases over time. Our products are clearly resonating with consumers. Sweden, our most mature market, showcases the strength of our offer Average # of orders by consumer in Sweden 2014 2016 2018 ~27x ~20x ~17x ~16x ~14x ~11x ~9x 2020 In the US, our high NPS scores are leading to a fast growing loyal customer base NPS score 80 Jul 20 Aug 20 Sep 20 Oct 20 Nov 20 Dec 20 Jan 21

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