Affirm Investor Event Presentation Deck

Provision for credit losses in $ million and as a % of GMV less loans sold during the quarter -0.1% ($1) 3FQ'21 $25 AFFIRMI 2023 2.0% $64 3.9% $53 2.7% 4FQ'21 1FQ'22 2FQ'22 Provision for Credit Losses Metrics are unaudited. $66 3.5% $73 2.5% $64 2.7% $107 3.0% $66 2.3% 3FQ'22 4FQ'22 1FQ'23 2FQ'23 3FQ'23 Provision as % GMV less loans sold Drivers ● Allowance for loans held at end of period Product and merchant mix ● Credit posture, reflected in ITACS mix ● Actual credit outcomes affirm 19

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