Affirm Investor Day Presentation Deck

Reconciliation of non-GAAP financial measures Loss on Loan Purchase Commitment Provision for Credit Losses Funding Costs Processing and Servicing Transaction Costs (Non-GAAP) Technology and Data Analytics Sales and Marketing General and Administrative Total Operating Expenses Metrics are unaudited. Reconciliation of Transaction Costs to Total Operating Expenses ($M) FY 2019 73 78 26 33 210 76 17 89 392 FY 2020 162 105 32 50 349 122 25 121 617 FY 2021 247 66 53 73 439 256 185 affirm 370 1,250

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