Affirm Results Presentation Deck

GAAP to Non-GAAP Expense Reconciliations, H2'22 ($ in 000s) Loss on loan purchase commitment Provision for credit losses Funding costs Processing and servicing Total Transaction Costs Technology and data analytics Sales and marketing General and administrative Other Operating Expenses Total Operating Expenses $ $ $ $ $ GAAP 46,853 $ 66,294 15,824 43,371 172,342 $ $ 110,291 156,214 142,466 408,971 $ 581,313 $ D&A O 0 O 124 124 Compensation Expense $ $ $ Three Months Ended March 31, 2022 Stock-Based 10,058 2,372 549 12,978 $ 13,102 $ 0 0 650 650 Enterprise Warrant & Share Based Expenses $ $ $ 33,639 5,998 58,100 97,737 $ 98,387 $ 000 0 119,039 Notes: affirm) 1. Metrics are unaudited 2. Other costs consists of one-time expenses incurred in the period associated with the Company's initial public offering, its acquisitions, and sublease impairment charges $ O 0 $ $ 119,039 $ 119,039 $ Other Costs O O O O O OO 0 25 25 25 $ LA $ tA $ $ $ Non-GAAP 46,853 66,294 15,824 42,597 171,568 66,594 28,805 83,792 179,192 350,760 35

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