Affirm Investor Day Presentation Deck

Strong credit performance 3.5% 3.0% 2.5% 2.0% 1.5% 1.0% 0.5% 0.0% Delinquencies (DQ) of 30+ days as % of Active Balances Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr Note: U.S. only. May Jun FY 19 FY 20 FY 21 affirm) Managing credit to outcomes Sustaining low delinquencies - Loosening credit box - expect to return to pre-pandemic levels

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