ChargeAfter to power Raymour & Flanigans Point-of-Sale Financing Online and In Stores

1. ChargeAfter to power Raymour & Flanigans Point-of-Sale Financing Online and In Stores Raymour & Flanigan, the largest furniture and mattress store in the Northeast, has chosen ChargeAfter, a leading global lending point of sale (POS) consumer financing platform and system, to support point- of-sale financing both online and in more than 140 physical locations. Raymour & Flanigan partnered with ChargeAfter's data-driven based embedded engine and platform of lenders as a result of its focus on delivering great customer experiences. With Raymour & Flanigan's flexible, individualized financing alternatives, ChargeAfter will simplify the client experience and promote improved customer engagement. ChargeAfter will connect the different lenders now used by Raymour & Flanigan with only one connection, enabling the organized method to approve up to 85% of customer applications. Customers will fill out a single, short application during checkout, and immediately receive the most favorable and approved financing offer according to their specific needs and credit profile. Customers will be able to enroll on Raymour & Flanigan's customer-facing tech or a personal smartphone thanks to ChargeAfter's seamless integration with the point-of-sale system and gadgets in-store. In the upcoming years, Raymour & Flanigan expects to increase its financed sales by 25% because of this greater flexibility, simplicity, and capacity to get consumers authorized. Creating better Experience for the Consumers The customer experience is extremely important to our business, according to Chris Lloyd, Head of Payment Solutions at Raymour & Flanigan, and we are increasingly noticing that consumers want access

2. to more individualized and adaptable financing options without the stress of being rejected or having their credit checked by numerous lenders. Chris also said: “ChargeAfter gives us the power of a fully branded financing experience, and expands our reach by allowing us to offer customers personalized financing regardless of where they want to shop. With ChargeAfter, we have the peace of mind that our point-of-sale financing is powered by a proven platform and deep industry expertise, so we can focus on giving our customers a superb furniture buying experience.” Raymour & Flanigan will be ready to offer a variety of financing alternatives through ChargeAfter, including perhaps card-based payments, BNPL, and B2B finance, in addition to their current private label credit or debit card and lease-to-own choices. Raymour & Flanigan will also have access to live performance and activity reporting through ChargeAfter and the option to quickly settle, upsell, refund, and partially credit transactions. Raymour & Flanigan will be in complete control of this access, and they will be able to make decisions or modifications in real time that will immediately affect reporting or performance. “We’re honored to partner with one of the most well-respected and established furniture retailers in the United States,” stated Mark Denman, ChargeAfter's EVP of Merchant Sales & Success. Raymour & Flanigan believes that to succeed, it will be essential to be able to satisfy customers' demands across the whole credit spectrum as customer demand for point-of-sale financing increases. We anticipate that as the macroeconomic situation keeps changing, more retailers will look into better ways to trade, broaden their client base, grow sales, and satisfy more consumers' financing needs. Without the hassle of several technical integrations with lenders, ChargeAfter is the supplier to efficiently exploit this potential. Raymour & Flanigan Raymour & Flanigan is the top mattress and furniture retailer in the Northeast. The business currently serves over 1 million clients yearly through 140 locations spread across seven states and is in its 75th year of existence. Raymour & Flanigan's commitment to improving the shopping experience for customers hasn't wavered despite decades of expansion. The communities that Raymour & Flanigan calls home and its employees are very important to the company. The organization has established a culture of respect and encouragement for its nearly 6,000 workers, earning it recognition as a Great Place to Work for 3 years running. Additionally, in a typical year, over 600 in-store activities are held to generate money and awareness for charities like food pantries, children's hospitals, and programs at schools for underprivileged children. Additionally, 99% of packaging materials may be recycled in-house, saving nearly 200 million pounds from landfills since 2002. ChargeAfter ChargeAfter is the top network and platform for multi-lender purchase now pay later consumer finance that links merchants and lenders to provide customers with responsible, individualized financing choices. ChargeAfter, which gives the most suitable financing options to consumers from numerous lenders based on credit type, is supported by a data-driven intelligent automation engine and network of international lenders. As a consequence, up to 85% of applications are approved. ChargeAfter unifies the credit distribution process onto a single platform, which shops can quickly adopt both online and

3. offline. The company's expanding network of lenders provides easy integration for lenders looking to increase their clientele while entering new retail sectors. Contact us Charge After Sales: 888.272.7228 sales@chargeafter.com https://chargeafter.com Support: support@chargeafter.com