Affirm Investor Event Presentation Deck slide image

Affirm Investor Event Presentation Deck

Illustrative merchant fee rates MDR has been stable on a like-for-like product basis 12.5% 10.0% 7.5% 5.0% 2.5% 3FQ'21 AFFIRM I 2023 4FQ'21 Core 0% Long 1FQ'22 2FQ'22 - Core 0% Short 3FQ'22 Core IB 4FQ'22 - Pay in 4 1FQ'23 2FQ'23 Non-Integrated Virtual Card 3FQ'23 ● ● ● Drivers Product mix - the most important driver of overall MDR Loan duration within 0% APR Merchant mix 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 from Affirm integrated merchants; Pay in 4 (formerly known as Split Pay) includes loans with 0% APR and 6-8 week term lengths; Non-Integrated Virtual Card includes loans made by Affirm at non-integrated merchants using Affirm's virtual card technology, excludes loans made in Canada via Affirm or legacy Paybright business and excludes Returnly and Debit+ Card transactions. Metrics are unaudited. affirm 12
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