Affirm Investor Day Presentation Deck

Core markets: tapping into an abundant U.S. e-commerce opportunity set 40% of U.S. e-commerce by sales is still untouched by Affirm Core U.S. Retail¹ AFFIRM | 2023 Total: $7T E-commerce: $1T Affirm: $20B BNPL: $60B Merchant Segment Mega Enterprise Commercial SMB Affirm Segment Definition (TAS) $1.5B+ $250M - $1.5B $5M - $250M <$5M Number of Merchants Market Size (merchants) ~50 ~500 ~50k ~3.4M ~3.5M Affirm coverage ~15% ~10% ~15% ~10% ~10% Market Size (TAS) ~$500B ~$100B ~$150B ~$150B Total Addressable Sales $900B² Based upon Affirm internal estimates. Excludes online travel services, financial brokers and dealers, and ticket sales agencies (which are not classified as retail and not included in U.S. Census Bureau data). Also excludes prohibited product categories such as gambling, cannabis, firearms, and others. Merchant segments based upon estimated merchant Total Addressable Sales (TAS). Affirm coverage ~90% ~10% ~15% ~10% -60% Affirm Share of Cart (SOC) ~1% ~4% ~1% ~3% ~2% affirm 31

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