Affirm Investor Event Presentation Deck

Transaction cost overview in $ million and total transaction costs as a % of GMV AFFIRMI 2023 $97 4.3% 3FQ'21 As % of GMV Metrics are unaudited. $114 4.6% $157 5.8% 4FQ'21 1FQ'22 Loss on LPC $177 4.0% $172 4.4% 2FQ'22 3FQ'22 Funding costs $180 4.1% $179 4.1% $255 4.5% 4FQ'22 1FQ'23 2FQ'23 Processing & servicing $214 4.6% 3FQ'23 Credit provision affirm 17

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