Affirm Investor Presentation Deck

Leadership Driven by Durable Competitive Advantages Trusted brand for the next generation of consumers and merchants affirm Powerful network of merchants and consumers sic Technology is a core competitive advantage Compelling business model ● ● ● ● ● Proven highly-effective demand generation and customer acquisition tools for merchants Reinforcing network effects expanding over time Purpose-built technology infrastructure creating differentiated and scalable products Proprietary data and risk models generating better outcomes Driving hyper growth Attractive unit economics Efficient capital funding capabilities 8

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