Affirm Results Presentation Deck

Q2'22 Loan Balance and Net Charge-offs by Loan Origination Year as of December 31, 2021 2022 Amortized Cost Basis by Fiscal Year of Origination Total $ Current period charge-offs Current period recoveries Current period net charge-offs affirm) Notes: 1. Metrics are unaudited 1,806,832 $ (13,276) 100 (13,176) 2021 552,142 (33,755) 1,999 (31,756) 2020 70,865 (496) 823 327 $ 2019 3,324 (35) 686 651 $ 2018 170 (11) 315 304 $ Prior 7 $ 223 223 Total 2,433,340 (47,573) 4,146 (43,427) 23

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