Affirm Investor Presentation Deck

Ability to Address Wide Range of Transaction Types Terms ranging from six weeks to 60 months, and cart sizes from $50 - $17,500+ Merchant Discount Rate APR Term Lengths Payment Frequency affirm Representative AOV¹ Split Pay Up to 8% 0% APR 6-8 weeks Bi-Weekly $100-250 Short Term 0% 4-8% 0% APR 3-12 months 1. Representative AOV is the illustrative average order value for typical merchants offering this product. All metrics are unaudited. Monthly $500-$750 Long Term 0% 8-15+% 0% APR 13-60 months Monthly $800-$1,200 Simple Interest- Bearing Up to 5% 10-30% APR 3-60 months Monthly $500-$1,000 21

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