Affirm Investor Event Presentation Deck

Gain on sales of loans in $ millions and as a % of loans sold $16 2.2% $43 AFFIRMI 2023 3.5% $31 2.8% $58 2.3% $52 3FQ'21 4FQ'21 1FQ'22 2FQ'22 3FQ'22 Gain on sales of loans Metrics are unaudited. 2.6% $55 3.7% $64 3.1% $60 2.9% $33 1.9% 4FQ'22 1FQ'23 2FQ'23 3FQ'23 As % of loans sold ● ● Drivers Loans sold during quarter Funding market conditions Benchmark interest rates and credit spreads Average APR on loans sold ● Credit quality of loans sold affirm 14

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