Affirm Investor Day Presentation Deck

CAPITAL Future funding strategy AFFIRM | 2023 PRIORITIES Diversity Continue to diversify funding counterparties Efficiency Optimize Cost of Funds and Equity Capital Required ("ECR") - target maintaining <5% range ECR longer-term Expansion Pursue strategic partnerships to expand access to additional, differentiated pools of capital Transformational Scale Innovative, streamlined structures to maximize flexibility and access longer duration while providing investors with greater consistency affirm 75

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