Affirm Results Presentation Deck

GAAP to Non-GAAP Expense Reconciliations, Q4'20 ($ 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 $ $ $ $ $ GAAP 55,311 $ (32,171) 7,817 14,806 45,763 $ 31,744 $ 5,066 31,439 68,249 114,012 $ $ D&A O oc 40 40 Compensation Expense $ $ $ Three Months Ended June 30, 2020 Stock-Based 1,702 237 44 1,983 $ 2,023 $ 0 0 O 28 28 1,988 868 2,496 5,352 Enterprise Warrant & Share Based Expenses $ $ $ $ 5,380 $ Notes: affirm 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 O O O O OOOO $ tA $ $ $ $ Other Costs 0 $ O O O O O O O O O 0 $ $ LA $ $ Non-GAAP 55,311 (32,171) 7,817 14,738 45,695 28,054 3,961 28,899 60,914 106,609 41

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