Affirm Results Presentation Deck

Non-GAAP Operating Expenses Technology & Data Analytics Sales and Marketing $28 $28 18% FY Q4'20 affirm 16% $36 Notes: 1. 2. 18% $49 21% $44 17% $51 19% $65 $67 18% 19% $80 FY FY FY FY FY FY FY FY Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Technology & Data Analytics ($M) % of Revenue 22% $4 $7 3% FY FY Q4'20 Q1'21 $20 10% FY Q2'21 $30 13% $40 $41 15% 15% $49 14% $29 8% Sales and Marketing ($M) % of Revenue $39 11% FY FY FY FY FY FY Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 General and Administrative $29 $28 19% 16% $36 17% $51 $50 22% 19% $66 24% $79 22% $84 24% Non-GAAP operating expenses exclude (a) depreciation and amortization; (b) stock-based compensation included in GAAP operating loss; (c) expenses related to warrants and share-based payments granted to enterprise partners; and (d) certain other costs Metrics are unaudited General and Administrative ($M) % of Revenue $96 FY FY FY FY FY FY FY FY FY Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 26% 18

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