Affirm Results Presentation Deck

Allowance and Loans Held for Investment affirm) Notes: 1. 2. 8.7% $123 FY Q1'21 $125 6.6% FY Q2'21 $114 5.2% FY Q3'21 $118 5.8% FY Q4'21 Allowance for Losses ($M) $152 6.8% FY Q1'22 $158 6.5% FY Q2'22 $159 6.4% FY Q3'22 $155 6.2% FY Q4'22 Allowance % of Loans Held for Investment $153 5.7% FY Q1'23 FY Q1'21 and FY Q2'21 amounts include adjustments to amounts previously reported due to effects of adoption of accounting standards effective July 1, 2020. The adjustment increased the FY Q1'21 beginning Allowance by $10 million Metrics are unaudited 29

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