Affirm Results Presentation Deck

Allowance and Loans Held for Investment affirm) $125 6.6% FY Q2'21 Notes: 1. 2. $114 5.2% FY Q3'21 $118 5.8% FY Q4'21 $152 6.8% FY Q1'22 Allowance for Losses ($M) $158 6.5% FY Q2'22 $159 6.4% FY Q3'22 $155 FY Q2'21 amounts include adjustments to amounts previously reported due to effects of adoption of accounting standards effective July 1, 2020. Metrics are unaudited 6.2% FY Q4'22 $153 5.7% FY Q1'23 Allowance % of Loans Held for Investment $182 5.0% FY Q2'23 29

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