Affirm Results Presentation Deck

Affirm Underwrites Every Transaction Before Extending Access to Credit Transaction Details Additional Variables affirm Merchant Profile affirm Machine Learning Affirm Repayment History Credit Bureau Transaction History Credit utilization Immediate Credit Decisioning Based Upon: 1. Point-in-time repayment probability 2. Estimate expected loss content / yield 3. Evaluation of ongoing performance and continuously improving underwriting Constant monitoring and ability to quickly adjust limits 4. 23

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