Affirm Investor Day Presentation Deck

Debit+ Interchange Fee MDR APR Term Lengths Payment Frequency Repeat Velocity Cart Size Range Representative AOV Debit Transactions ~1-1.5% Daily (3-4 day settlement) Daily $0-$150 ~$35 Note: Excludes physical card and marketing/consumer acquisition costs Pay Over Time Transactions ~1-1.5% Varies by term length 0-30% 6 weeks-60 months Biweekly or monthly Monthly $50-$17,500 ~$100 Debit Transactions REVENUE Interchange Fee REVENUE Interchange Fee MDR affirm) Interest income EXPENSES Fraud & dispute charges Funding costs during settlement Pay Over Time Transactions Servicing costs Payment processing EXPENSES Loan losses Fraud & dispute charges Funding costs Servicing costs Payment processing

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