Affirm Results Presentation Deck

Loans Held for Investment by ITACS Score Three Months Ending ($ in 000s) September 30, December 31, 2020 2020 Amortized Cost Basis of Loans Held for Investment by ITACS Score $ 1,123,357 $ 1,459,271 357,629 74,199 25,517 36,994 96+ 94-96 90-94 <90 No score 96+ 94-96 90-94 <90 239,007 58,028 No score 8,017 Total loan receivables 31,010 Percentage of Amortized Cost Basis of Loans Held for Investment by ITACS Score 77 % 16 % Total loan receivables $ 1,459,419 $ 1,953,610 $ 2,193,934 $ 2,019,884 4 % 1 % 2 % 100 % 75 % 18 % 4 % 1 % March 31, 2021 June 30, 2021 2 % $ 1,562,547 100 % 391,934 109,868 29,444 100,141 71 % 18 % 5 % 1 % $1,338,059 5 % 100 % 407,539 138,991 26,379 108,916 66 % 20 % 7 % 1 % 5 % 100 % September 30, December 31, 2021 2021 $1,402,266 $ 1,392,997 451,859 171,723 55,738 148,231 $2,229,817 63 % 20 % 0⁰0 8 % 2 % 7 % 100 % 532,108 229,844 87,594 190,797 $2,433,340 57 % 22 % 9 do % 4 % 8 % 100 % March 31, 2022 $1,409,388 584,290 232,187 59,753 200,470 $ 2,486,088 57 % 24 % 9 % 2 00 8 de Notes: 1. Metrics are unaudited affirm 2. Table presents ITACS score distribution of the unpaid principal balance of loans held for investment 3. Balance for loans with "No score" represents loan receivables in experimental products or new markets without sufficient data currently available for use by the Affirm scoring methodology % 100 % June 30, 2022 $ 1,374,223 632,431 223,952 44,437 210,491 $2,485,534 55 % 25 % 9 % 2 % 8 % 100 % September 30, 2022 $ 1,539,374 663,923 161,883 34,795 265,409 $ 2,665,384 58 % 25 % 6 % 1 10 % % 100 % 27

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