Affirm Results Presentation Deck

Large and Rapidly Expanding Market Opportunity affirm 2021 $900B $34B $12B North America E-commerce market BNPL Affirm GMV 1. Gross Merchandise Volume ("GMV") defined as the total dollar amount of all transactions on the Affirm platform for the twelve months ending December 31, 2021, net of refunds $750B 1.6% 2020A North America E-commerce spend Source: emarketer, Statista & Worldpay FIS $900B 3.8% 2021A $1,500B 8.5% 2025P BNPL share of North America E-commerce spend 6

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