Affirm Investor Event Presentation Deck

Processing and servicing expense in $ million and as a % of GMV $21 0.9% $22 AFFIRMI 2023 0.9% 3FQ'21 4FQ'21 $25 0.9% $42 0.9% $43 Metrics are unaudited. 1.1% $47 1.1% $54 1.2% $67 As % of GMV 1.2% $65 1FQ'22 2FQ'22 3FQ'22 4FQ'22 1FQ'23 2FQ'23 3FQ'23 Processing and Servicing Expense 1.4% Drivers ● Total GMV and platform portfolio size ● Mix of GMV originated at a large enterprise partner with a revenue-share agreement Repayment mix and servicing optimizations affirm 20

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