Affirm Results Presentation Deck

GAAP to Non-GAAP Expense Reconciliations, H1'21 Three Months Ended December 31, 2020 Stock-Based Enterprise Warrant & Share Based 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 ($ in 000s) Loss on loan purchase commitment Provision for credit losses Funding costs Processing and servicing Total Transaction Costs $ affirm) $ $ $ $ $ $ $ $ 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 Compensation Expense O O 0 77 77 $ $ 2,723 439 104 3,266 $ 3,351 $ $ $ $ 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 0 0 0 26 26 Three Months Ended September 30, 2020 $ 2,213 760 3,204 6,177 $ 6,203 $ $ $ $ O O O O O Enterprise Warrant & Share Based Expenses $ $ $ 0 $ 17,039 0 17,039 17,039 lo $ tA 0 14,261 0 14,261 $ 14,261 0 $ 0 $ $ tA $ $ Technology and data analytics Sales and marketing General and administrative Other Operating Expenses Total Operating Expenses 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. Other costs consists of one-time expenses incurred in the period associated with the Company's initial public offering, its acquisitions, and sublease impairment charges 3. Metrics are unaudited $ Other Costs $ Other Costs 0 $ O O O O O 0 $ 942 2,029 2,971 $ 2,971 $ O O O OC 0 $ $ 0 1,191 1,191 1,191 LA $ $ LA Non-GAAP $ $ 67,768 12,521 12,060 16,430 108,779 200,931 Non-GAAP 36,355 20,111 35,686 92,152 65,868 28,931 10,352 13,395 118,546 28,431 7,155 27,765 63,351 181,897 40

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