Affirm Results Presentation Deck

Network Revenue Take Rate Consolidated Network Revenue Take Rate and Illustrative Network Revenue Take Rate by Financial Product affirm) FY Q1'20 4.6% Notes: 1. 2. 3. _5.6% FY Q2'20 6.0% FY Q3'20 7.3% Core 0% Short FY Q4'20 6.7% Core IB FY Q1'21 5.3% FY Q2'21 5.0% FY Q3'21 -4,3% Core 0% Long - - Split Pay Non-Integrated Virtual Card Total network revenue take rate calculated as network revenue, which combines merchant network revenue and virtual card network revenue from our consolidated income statement, divided by consolidated GMV; network revenue for all other products estimated as sum of gross merchant fees, transaction fees and virtual card network fees divided by product level GMV Core 0% Long includes loans with term lengths greater than 12 months and 0% APR; Core 0% Short includes loans with term lengths at least three months long but less than or equal to 12 months and 0% APR; Core IB includes loans with interest from Affirm integrated merchants; Split Pay includes loans with 0% APR and 6-8 week term lengths; Non-Integrated Virtual Card includes loans made by Affirm at non integrated merchants using Affirm's virtual card technology; excludes loans made in Canada via Affirm or legacy Paybright business and excludes Returnly transactions Metrics are unaudited FY Q4'21 Total 12

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