Affirm Investor Event Presentation Deck

Enterprise warrant and commercial agreement expenses $ million unless otherwise indicated $17 $17 $17 AFFIRMI 2023 $88 $119 $120 Enterprise warrants $128 3FQ'21 4FQ'21 1FQ'22 2FQ'22 3FQ'22 4FQ'22 1FQ'23 2FQ'23 3FQ'23 Metrics are unaudited. $148 $113 Commercial agreements Item 3FQ'23 expense Commercial agreement $19 Enterprise warrants $94 million Driver Fixed expense Performance based We expect total enterprise warrant and commercial agreement expense to decline substantially by 2FH'25 affirm 31

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