Affirm Investor Event Presentation Deck

Final considerations when Modeling our business Focus on forecasting RLTC Consider using both bottom up and top down approaches Consider both the Affirm-specific and macroeconomic factors affecting RLTC as a % of GMV AFFIRM I 2023 Non-GAAP operating expenses We have demonstrated good non-GAAP sales and marketing and G&A expense leverage Non-GAAP tech and data analytics expense has scaled with GMV and customer growth Share-based payments We target a certain amount of annual share-based dilution Vesting of CEO value creation award options is subject to high share price thresholds We expect enterprise warrant and commercial asset expense to decline substantially by FYE'25 affirm 34

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