Affirm Results Presentation Deck

Delinquency Performance affirm Notes: 1. 2. 3.5% 3.0% 2.5% 2.0% 1.5% 1.0% 0.5% Jul US loans only Metrics are unaudited Delinquencies (DQ) of 30+ days as % of Active Balances Sep - 2019 2020 Dec 2021 2022 Mar Jun FY 2019 FY 2022 YTD FY 2020 FY 2021 21

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