Affirm Investor Day Presentation Deck

Affirm Card financial products Affirm Card provides profitable options to penetrate untapped TAM from in-store and daily spend AFFIRM | 2023 Financial Product Mix As % of GMV unless otherwise indicated In-Store vs. E-comm Volume Mix As % of GMV unless otherwise indicated $18M 27% 19% 54% FQ3'23 Interest Bearing $18M 60% 40% FQ3'23 $129M 10% 8% 82% FQ4'23 $129M 77% ■Pay in 4 ■Pay Now 23% FQ4'23 $224M 9% 5% In-Store Online 86% FQ1'24 $224M 74% 26% FQ1'24 Cart Size Typical AOV Term Length APR Repeat Velocity Payment Frequency Blended RLTC % of GMV Pay Now All $1 - 50 Immediate 0% Daily One-Time Debit Pay in 4 $50 - $3,000 $50 - $150 6-8 weeks 0% Monthly Biweekly 3 - 4% Interest-Bearing Installments $50 - $17,500 $500 - $1000 3- 60 months 10 - 36% Monthly Monthly affirm 84

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