Affirm Results Presentation Deck

Non-GAAP Operating Expenses Technology & Data Analytics Sales and Marketing $28 $28 $28 20% affirm 18% Notes: 1. 2. 16% $36 18% $49 21% $44 17% $51 $65 $67 FY FY FY FY FY FY FY FY FY Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 19% 18% 19% Technology & Data Analytics ($M) % of Revenue $7 $20 $30 10% 13% $40 $41 15% 15% $49 14% $6 $4 3% FY FY FY FY FY FY FY FY Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 FY $29 Sales and Marketing ($M) % of Revenue 8% General and Administrative $28 $29 $28 20% 19% 16% $36 17% $51 $50 22% 19% $66 24% $79 22% Non-GAAP operating expenses exclude (a) depreciation and amortization; (b) stock-based compensation included in GAAP operating loss; (c) expenses related to warrants and share-based payments granted to enterprise partners; and (d) certain other costs Metrics are unaudited $84 24% FY FY FY FY FY FY FY FY FY Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 General and Administrative ($M) % of Revenue 17

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