Affirm Results Presentation Deck

GAAP to Non-GAAP ($ 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 Non-GAAP Expense Reconciliations, H1'20 affirm $ $ $ $ $ $ $ $ $ $ GAAP GAAP 42,661 $ 30,178 8,167 11,652 92,658 $ 31,612 $ 7,651 30,688 69,951 $ 162,609 $ 19,961 $ 24,844 8,128 9,695 62,628 25,368 5,219 27,704 58,291 $ $ $ 120,919 $ D&A D&A O 0 O 82 82 1,808 457 85 2,350 O O 0 60 60 1,601 388 62 2,051 Compensation Expense $ $ $ 2,432 $ $ $ $ Three Months Ended December 31, 2019 Stock-Based $ $ 2,111 $ OOONN Stock-Based 32 Compensation Expense 32 Enterprise Warrant & Share Based Expenses $ $ $ 3,610 963 3,689 8,262 $ 8,294 $ Three Months Ended September 30, 2019 Enterprise Warrant & Share Based Expenses $ 0 0 0 (5) (5) $ $ 3,327 1,291 3,812 8,430 $ 8,425 $ O O O O O 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 Oo oo O O O lo oooo $ tA $ $ $ $ $ LA $ $ $ Other Costs Other Costs O O O O O 0 $ O O O O 0 O O O O c ܘ ܘ ܘ ܘ $ $ LA $ $ $ LA $ $ $ Non-GAAP 42,661 30,178 8,167 11,538 92,544 Non-GAAP 26,194 6,231 26,914 59,339 151,883 19,961 24,844 8,128 9,640 62,573 20,440 3,540 23,830 47,810 110,383 40

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