Klarna Group plc

We have adopted a Code of Business Conduct and Ethics (“the Code”) that applies to all contributors

of the Company, including our principal executive officer, principal financial officer, principal accounting

officer or controller, and persons performing similar functions. The Code is intended to promote honest

and ethical conduct, including the ethical handling of actual or apparent conflicts of interest, compliance

with applicable laws and regulations, the integrity of financial reporting and accounting practices, and the

timely and accurate disclosure of information in reports and documents filed with or submitted to the

Securities and Exchange Commission.

The Code also provides mechanisms for reporting and escalating concerns and includes protections

against retaliation for individuals who raise ethics or compliance issues in good faith.

The Code of Business Conduct and Ethics is publicly available on our website.