Affirm Investor Event Presentation Deck

Funding costs in $ million and as a % of funding debt & securitization notes $15 3.2% 3FQ'21 $16 AFFIRMI 2023 3.2% $17 3.4% 4FQ'21 1FQ'22 Funding Costs $18 3.3% $16 Metrics are unaudited. 2.8% $19 3.3% $25 4.2% $44 6.1% $51 6.3% 2FQ'22 3FQ'22 4FQ'22 1FQ'23 2FQ'23 3FQ'23 As % of avg. funding debt + securitization notes, annlz'd Drivers ● Average balance of funding debt plus securitization notes ● Average funding cost (benchmark rate + credit spreads) Loans held for investment affirm 21

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