Affirm Results Presentation Deck

GAAP to Non-GAAP Expense Reconciliation (FY'21) Twelve Months Ended June 30, 2021 Stock-Based Enterprise Warrant Compensation & Share Based ($ in 000s) Loss on loan purchase commitment Provision for credit losses Funding costs Processing and servicing Total Transaction Costs Technoloav and data analytics Sales and marketing General and administrative Restructuring and other Other Operating Expenses Total Operating Expenses affirm $ Ś $ $ GAAP 204,081 $ 255,272 69.694 157,814 686,861 $ 418.643 S 532,343 577,493 0 1.528.479 S 2,215,340 Ś D&A 0 0 0 604 604 $ 40.480 Ś 7,544 4,094 0 52.118 $ 52.722 S $ 0 0 0 2,431 2,431 $ $ 116.531 Ś 23,224 248,797 0 388.552 Ś 390,983 $ 0 $ O O O O $ 0 Ś 343,268 0 O O O 0 0 343.268 S 343,268 $ Restructuring charges, net O O O O 0 $ 0 $ O O O O O 0 $ OF S S Other Non- Recurring Items O O O O O $ Ś 0 0 743 0 743 S Ś 743 Notes: 1. Metrics are unaudited 2. Other costs consist of expenses incurred in the period associated with the Company's initial public offering, acquisitions, impairment charges, restructuring, severance, and exit and disposal costs Non-GAAP 204,081 255,272 69.694 154,779 683,826 261.631 158,307 323,859 0 743.797 1,427,623 51

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