Katapult (KPLT) investor relations material

Company overview and business model

• Scaled omnichannel, technology- and data-driven platform serving nonprime consumers through lease-to-own and a diversified portfolio of financial products and services.

• Completed a business combination with Aaron's and CCF Holdings LLC on August 11, 2026; merger consideration included 79,700,142 shares issued to their equityholders.

Use of proceeds and capital allocation

• Secondary resales generate no proceeds for the registration; selling holders receive sale proceeds net of discounts and commissions.

• Registration costs, including filing and Nasdaq listing fees, are covered centrally; selling holders bear commissions and their resale advisory expenses, subject to the registration rights agreement.

Risk factors and disclosures

• Merger integration, realizing synergies, retaining personnel, and potential disruption to customer, merchant, lender, supplier, and employee relationships are identified risks.

• Risks include consumer spending and credit conditions, merchant concentration, competition, platform and risk-model reliability, cybersecurity, access to capital, and indebtedness.

• Regulatory change, litigation, internal-control weaknesses, technology shifts, and meeting Nasdaq continued-listing requirements could affect results; actual outcomes may differ materially from forward-looking statements.

• Selling-holder ownership data is based on holder information and was not independently verified; holders may sell registered shares over time or through exempt transactions.