Affirm Results Presentation Deck

GAAP to Non-GAAP Expense Reconciliations, H1'24 Three Months Ended September 30, 2023 Enterprise Warrant & Share Based ($ 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 Restructuring and other Other Operating Expenses Total Operating Expenses affirm $ $ $ Ś Ś GAAP 34,866 $ 99.696 73,931 75,671 284.164 $ 132,965 $ 146,866 140.334 1,665 421,830 $ 705,994 $ D&A 86000 99 99 $ $ 31,676 7,681 604 0 $ 39,961 $ 40.060 Ś Stock-Based Compensation OO 0 0 0 1,575 1,575 $ $ $ 35,135 5.465 70.184 0 110,784 $ 112,359 $ 0 0 o o olo $ 0 Ś 115.373 $ 0 115,373 $ 115,373 Ś Restructuring and other 000 с O $ $ $ 0 0 0 1,665 1,665 $ 1.665 $ Other Non- Recurring Items O O O O O 0 0 (66) 0 (66) $ $ $ $ (66) $ Notes: 1. Metrics are unaudited 2. Other costs consist of expenses incurred in the period associated with the Company's initial public offering, acquisitions, impairment charges, restructuring, severance, and exit and disposal costs Non-GAAP 34,866 99.696 73,931 73,997 282,490 66,154 18,347 69,612 154.113 436,603 45

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