Affirm Results Presentation Deck

Merchant Fee Rates Illustrative merchant fees, transaction fees, and virtual card network fees divided by product level GMV 15.0% 12.5% 10.0% 7.5% 5.0% 2.5% -% affirm) Notes: 1. 2. FY Q3'20 FY Q4'20 FY Q1'21 FY Q2'21 FY Q3'21 FY Q4'21 Split Pay Core 0% Long Core 0% Short - Core IB FY Q2'22 Non-Integrated Virtual Card FY Q1'22 FY Q3'22 Core 0% Long includes loans with term lengths greater than 12 months and 0% APR; Core 0% Short includes loans with term lengths at least three months long but less than or equal to 12 months and 0% APR; Core IB includes loans with interest from Affirm integrated merchants; Split Pay includes loans with 0% APR and 6-8 week or 3 month term lengths; Non-Integrated Virtual Card includes loans made by Affirm at non-integrated merchants using Affirm's virtual card technology; excludes loans made in Canada via Affirm or legacy Paybright business and excludes Returnly transactions Metrics are unaudited 13

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