Affirm Results Presentation Deck

GAAP to Non-GAAP ($ 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) Notes: 1. Metrics are unaudited $ $ $ $ $ $ $ $ $ $ GAAP GAAP 42,661 30,178 8,167 11,652 92,658 $ 31,612 $ 7,651 30,688 69,951 $ $ 162,609 $ 25,368 5,219 27,704 58,291 19,961 $ 24,844 8,128 9,695 62,628 $ $ $ 120,919 $ Expense Reconciliations, H1'20 D&A D&A O 0 O 82 82 1,808 457 85 2,350 O O 0 60 60 1,601 388 62 2,051 Compensation Expense $ $ $ 2,432 $ $ $ $ $ Three Months Ended December 31, 2019 Stock-Based $ 2,111 $ ~NO O O Stock-Based Compensation Expense 32 32 $ $ 3,610 963 3,689 8,262 $ 8,294 $ Three Months Ended September 30, 2019 Shopify Warrant Expense $ 0 0 0 (5) (5) 3,327 1,291 3,812 8,430 8,425 $ $ O O O Olc $ $ 0 OOOO Shopify Warrant Expense $ 0 O O O Olc oooo $ tA $ $ $ $ $ LA $ LA $ $ Other Costs Other Costs O O O O O 0 $ O O O O 0 O O O O c ܘ ܘ ܘ ܘ $ $ LA $ $ $ LA $ $ $ Non-GAAP 42,661 30,178 8,167 11,538 92,544 Non-GAAP 26,194 6,231 26,914 59,339 151,883 19,961 24,844 8,128 9,640 62,573 20,440 3,540 23,830 47,810 110,383 33

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