Affirm Results Presentation Deck

GAAP to Non-GAAP ($ 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 ($ 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 Non-GAAP Expense Reconciliations, H1'21 $ $ $ $ $ $ $ $ $ $ GAAP GAAP 67,768 $ 12,521 12,060 16,802 109,151 $ 41,634 $ 39,112 40,916 121,662 $ 230,813 $ 65,868 $ 28,931 10,352 13,498 118,649 $ 33,768 $ 22,582 32,273 88,623 $ 207,272 $ D&A D&A சு எ 0 0 0 85 85 O O 0 77 77 Compensation Expense $ $ 2,723 439 104 3,266 $ 3,351 $ $ Three Months Ended December 31, 2020 Stock-Based $ $ 3,124 $ 406 113 3,643 $ 3,720 $ 0 0 O Stock-Based 287 287 2,556 581 3,097 6,234 6,521 Compensation Expense Enterprise Warrant & Share Based Expenses $ 0 0 0 26 26 $ $ Three Months Ended September 30, 2020 $ $ $ $ O O O O O Enterprise Warrant & Share Based Expenses $ 2,213 760 3,204 6,177 $ 6,203 $ 0 $ 17,039 0 17,039 17,039 $ lo tA $ 14,261 $ 0 $ 0 $ tA $ 0 $ 14,261 0 14,261 $ $ Other Costs Other Costs 0 $ O O O O O 0 $ 942 2,029 2,971 $ 2,971 $ O O O OC $ 0 $ 0 LA $ $ LA 1,191 1,191 1,191 $ $ Non-GAAP 67,768 12,521 12,060 16,430 108,779 affirm) Notes: 1. FY Q1'21 and FY Q2'21 amounts include adjustments to amounts previously reported due to effects of adoption of accounting standards effective July 1, 2020; FY Q3'21 amounts include adjustments to amounts previously reported due to an adjustment to stock-based compensation expense 2. Metrics are unaudited Non-GAAP 36,355 20,111 35,686 92,152 200,931 65,868 28,931 10,352 13,395 118,546 28,431 7,155 27,765 63,351 181,897 34

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