Affirm Results Presentation Deck

Delinquency Performance affirm Notes: 1. 2. 3. 6.0% 4.0% 2.0% -% Jul Delinquencies (DQ) of 30+ days as % of Active Balances Excluding Split Pay FY 2023 Sep 2019 Data as of August 22, 2022 US loans only, excludes Split Pay loan transactions with 0% APR and 6-8 week term lengths Metrics are unaudited 2020 Dec -2021 2022 Mar 2023 Jun FY 2022 FY 2019 FY 2020 FY 2021 23

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