Affirm Results Presentation Deck

GAAP to Non-GAAP Expense Reconciliations, Q1'22 ($ in 000s) Loss on loan purchase commitment Provision for credit losses Funding costs Processing and servicing Total Transaction Costs Technology and data analytics Sales and marketing General and administrative Other Operating Expenses Total Operating Expenses Notes: affirm) 1. Metrics are unaudited $ $ $ $ $ GAAP 51,678 $ 63,647 16,753 25,201 157,279 78,013 63,960 136,204 278,177 $ $ $ 435,456 $ D&A O O 0 227 227 7,418 482 2,414 10,314 $ Compensation Expense Shopify Warrant Expense $ $ $ $ Three Months Ended September 30, 2021 10,541 $ Stock-Based 0 0 O 356 356 $ $ 20,067 5,024 67,742 92,833 $ 93,189 $ O O O Olo 0 $ 17,039 tA $ 0 $ 17,039 0 17,039 $ $ Other Costs O O O O O 0 $ 0 O 209 209 $ $ LA $ 209 $ Non-GAAP 51,678 63,647 16,753 24,618 156,696 50,528 41,415 65,839 157,782 314,478 29

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