Affirm Results Presentation Deck

GAAP to Non-GAAP Expense Reconciliations, FY'21 and FY'20 ($ 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 ($ 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 affirm $ $ $ $ $ $ $ $ $ $ GAAP GAAP 246,700 $ 65,878 52,700 73,578 438,856 $ 249,336 $ 182,190 383,749 815,275 $ 1,254,131 $ 161,452 $ 105,067 32,316 49,831 348,666 $ 122,378 $ 25,044 121,230 268,652 617,318 $ $ D&A D&A O O O 435 435 O 0 0 269 269 Compensation Expense $ $ $ 14,680 1,956 2,908 19,544 $ 19,979 $ $ $ 7,299 $ 1,585 290 9,174 Twelve Months Ended June 30, 2021 Stock-Based Compensation Expense $ 9,443 $ 0 0 O 2,218 2,218 76,644 17,092 196,553 290,289 $ 292,507 $ Twelve Months Ended June 30, 2020 Stock-Based 0 0 0 82 82 Enterprise Warrant & Share Based Expenses $ 12,285 4,040 13,662 29,987 $ $ 30,069 $ $ Enterprise Warrant & Share Based Expenses $ $ $ O O O O O Notes: 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 0 $ 64,821 0 64,821 64,821 $ 000 lo $ oooo $ $ $ tA $ $ $ Other Costs 0 $ Other Costs O O O O O 0 $ 942 19,755 20,697 $ 20,697 $ O O O O O $ 0 $ ܘ ܘ ܘ ܘ $ $ $ Non-GAAP 246,700 65,878 52,700 70,925 436,203 158,012 97,379 164,533 419,924 856,127 Non-GAAP 161,452 105,067 32,316 49,480 348,315 102,794 19,419 107,278 229,491 577,806 41

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