Affirm Results Presentation Deck

Merchant Fee Rates Illustrative merchant fees, transaction fees, and virtual card network fees divided by product level GMV 15.0% 12.5% 10.0% 7.5% 5.0% 2.5% affirm -% Notes: 1. 2. 3. 4 FY Q1'22 FY Q2'22 FY Q3'22 FY Q4'22 FY Q1'23 Core 0% Long Core 0% Short FY Q2'23 Core IB FY Q3'23 FY Q4'23 FY Q1'24 Pay in 4 Includes lending transactions with Affirm integrated merchants in the US only Core 0% Long includes loans with term lengths greater than 12 months and 0% APR; Core 0% Short includes loans with term lengths at least three months long but less than or equal to 12 months and 0% APR: Core IB includes loans with interest: Pay in 4 (formerly known as Split Pay) includes loans with 0% APR and 6-8 week term lengths Excludes Non-Integrated Virtual Card and Affirm Card interchange rates (which are principally set by card networks), loans made outside of the US. PayNow transactions and Returnly transactions Metrics are unaudited 15

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