Affirm Investor Day Presentation Deck

International expansion evaluation framework We take a disciplined approach to evaluating international opportunities AFFIRM | 2023 Total opportunity Market share Economics Speed Total Addressable Market (TAM) Presence of key existing merchants and partners Product-market fit of profitable products Product integration effort ● ● ● ● ● ● ● ● Large population + GDP High consumer propensity to adopt E-commerce TAM Existing partners with high regional market share Opportunity to differentiate with merchants from competitors in market Balanced financial program mix Consumer openness to paying interest Market requirements that support appropriate unit economics Adjacency to current product capabilities and technology affirm 47

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