320,000+

LOANS ORIGINATED1

$1.1 Billion

TOTAL ORIGINATIONS1

2-3x

MORE PREDICTIVE THAN INDUSTRY BENCHMARKS2

80%

OF BORROWERS IMPROVED THEIR CREDIT SCORE3

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Personify Financial

ADF’s AI-powered Personify Financial online lending platform fills the void left by traditional lenders by tailoring loans to each customer's financial situation.

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Personify's Core Operating Principle:
C.A.R.E.

We are committed to delivering consumer-friendly products with strict adherence to all state and federal regulations. Our core principles reflect this commitment.

Clear

We will strive to ensure our customers understand every aspect of products on our platform.

Affordable

We will match borrowers only with loans they can afford to repay.

Responsible

The loans are designed to be repaid and not trap consumers in debt.

Empowering

We will provide our customers information and tools to build a better financial future.

Better Business Bureau logo with our A+ rating Credit Karma logo with our 4+ star rating Birdeye logo with our 4+ star rating Trustpilot logo with our 4+ star rating Google logo with our 4+ star rating

Personify has a 78 Net Promoter Score4 versus a 34 Net Promoter Score industry average5

Ratings data as of 10/2022

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1 References to originating, providing, or extending loans or credit describe loans facilitated by the Personify online platform. The actual lender may be Personify, an affiliate, or a partner. 2 AI models’ predictive performance measured using the Kolmogorov-Smirnov (KS) statistic on the ADF portfolio. 3 Measured on customers with an initial FICO® score below 620 in good standing after 18 months. 4 Reflects 2021 Net Promoter Score. 5 Qualtrics 2021 Industry Benchmark.