Affirm Investor Event Presentation Deck

RLTC summary in $ million and as a % of GMV $134 5.9% $148 AFFIRMI 2023 5.9% $112 4.1% $184 4.1% 3FQ'21 4FQ'21 1FQ'22 2FQ'22 Metrics are unaudited. RLTC $182 4.7% $184 4.2% 3FQ'22 4FQ'22 As % of GMV $182 4.2% $144 2.5% $167 3.6% 1FQ'23 2FQ'23 3FQ'23 ● Final RLTC considerations ● Macroeconomic factors have been a significant headwind to RLTC as a % of GMV in FY'23 Affirm-specific factors have had a neutral impact to RLTC as a % of GMV in FY'23 ● Pricing initiatives will take several quarters to achieve maximum benefit RLTC as a % of GMV is highly seasonal with 2FQ seasonally softest Note: References to impact on RLTC as a % of GMV in FY'23 relate to RLTC impact as measured through the first three quarters of FY'23 affirm 25

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