Affirm Results Presentation Deck

GAAP to Non-GAAP Expense Reconciliations, H1'22 Three Months Ended December 31, 2021 Stock-Based ($ in 000s) Loss on loan purchase commitment Provision for credit losses Funding costs Processing and servicing Total Transaction Costs Technology and data analytics Sales and marketing General and administrative Other Operating Expenses Total Operating Expenses ($ in 000s) Loss on loan purchase commitment Provision for credit losses Funding costs Processing and servicing Total Transaction Costs Technology and data analytics Sales and marketing General and administrative Other Operating Expenses Total Operating Expenses affirm) $ $ $ $ $ $ $ $ $ $ GAAP GAAP 65,265 $ 52,640 17,700 41,849 177,454 94,989 143,476 141,292 379,757 $ $ $ 557,211 $ 51,678 $ 63,647 16,753 25,201 157,279 $ $ 78,013 63,960 136,204 278,177 $ 435,456 $ D&A D&A O 0 O 108 108 9,012 2,377 467 11,856 11,964 O O O 227 227 7,418 482 2,414 10,314 Compensation Expense $ $ $ $ $ $ $ $ $ Compensation Expense 10,541 $ 0 0 530 530 Stock-Based 21,427 4,633 61,947 88,007 $ 88,537 $ Enterprise Warrant & Share Based Expenses $ $ $ Three Months Ended September 30, 2021 0 0 O 356 356 $ $ Enterprise Warrant & Share Based Expenses $ 20,067 5,024 67,742 92,833 $ 93,189 $ 000 Notes: 1. Metrics are unaudited 2. Other costs consists of one-time expenses incurred in the period associated with the Company's initial public offering, its acquisitions, and sublease impairment charges O 0 0 87,673 0 87,673 87,673 O Oo oo $ 17,039 $ $ $ $ $ $ O $ 17,039 0 17,039 $ $ Other Costs Other Costs O O O O O O O 0 94 94 O O O O O $ LA 209 209 $ tA $ 94 $ $ $ $ 0 $ 0 $ 209 $ Non-GAAP 65,265 52,640 17,700 41,211 176,816 64,550 48,794 78,784 192,127 368,942 Non-GAAP 51,678 63,647 16,753 24,618 156,696 50,528 41,415 65,839 157,782 314,478 38

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