Affirm Results Presentation Deck

GAAP to Non-GAAP Expense Reconciliations, H1'23 Three Months Ended September 30, 2022 Stock-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 Other Operating Expenses Total Operating Expenses $ $ $ $ $ GAAP 35,610 $ 64,250 25,066 54,359 179,285 $ 144,961 $ 163,873 160,972 469,806 $ 649,091 $ D&A O 0 O 95 95 Compensation Expense $ $ $ 17,963 2,199 625 20,787 $ 20,882 $ O O 0 912 912 Enterprise Warrant & Share Based Expenses $ $ $ 43,428 8,128 67,340 118,896 $ 119,808 $ 000 Notes: affirm) 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 $ O 0 $ 0 $ 128,205 0 128,205 $ 128,205 $ Other Costs O O O O O OO 5 5 $ 5 LA 0 $ $ tA $ $ Non-GAAP 35,610 64,250 25,066 53,352 178,278 83,570 25,341 93,002 201,913 380,191 41

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