Affirm Investor Presentation Deck

Volume Concentrated in Highest Credit Quality Transactions High ITACS consumers drive the majority of our GMV, Revenue, and Profitability affirm 1. 2. Projected NACO and Volume Concentration (By Proprietary ITACS Score of Transaction) Highest losses at lowest ITACS driving minimal volume All metrics are unaudited. III Highest Volume @ Low Loss ITACS is Affirm's proprietary transaction credit scoring; dataset includes Affirm loans originated and purchased from originating bank partners in the United States Projected NACO defined as projected dollar losses on a vintage of loans divided by total loan volume (in dollars) Volume Projected NACO 25

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