Affirm Results Presentation Deck

Change in Allowance for Credit Losses $205 Allowance (June 2023) affirm Quarterly Change in Allowance $93 Beginning of Period Allowance (+) Provision for Loan Losses (-) Charge-offs, Net End of Period Allowance Notes: 1. 2. 3. Provision for Losses 3 Loans Held for Investment Allowance % of Loans Held for Investment $(65) Charge-offs, Net $ $232 $ $ Allowance September 2023 December 31, 2022 153 103 Last 12 Months Change in Allowance Quarter Ending (74) 182 3,656 5.0 % $ $153 $ $ Allowance (September 2022) March 31, 2023 182 61 (67) 176 3,776 4.7 % Last 12 Months Change in Allowance $ $ $ $349 Provision for Losses June 30, 2023 176 92 (64) $ 205 $ 4,403 $ 4.6 % $(270) Charge-offs, Net September 30, 2023 205 93 (65) 232 4,549 5.1 % $ 12 Months Ending September 30, 2023 $ $ $232 Allowance September 2023 Dollars in millions Metrics are unaudited Table details activity in the allowance for credit losses, including charge-offs, recoveries and provision for loan losses; excludes provision for merchant and affiliate network revenue losses 153 349 (270) 232 4,549 5.1 % 32

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