Affirm Results Presentation Deck

GAAP to Non-GAAP Expense Reconciliations, H1'22 ($ 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 Technology and data analytics Sales and marketing General and administrative Other Operating Expenses Total Operating Expenses affirm $ $ $ $ $ $ $ $ $ $ GAAP GAAP 65,265 $ 52,640 17,700 41,849 177,454 94,989 143,476 141,292 379,757 $ $ $ 557,211 $ 16,753 25,201 157,279 51,678 $ 63,647 $ 78,013 63,960 136,204 278,177 $ 435,456 $ $ D&A D&A O 0 O 108 108 9,012 2,377 467 11,856 11,964 000 227 227 Compensation Expense $ $ $ $ $ $ $ Three Months Ended December 31, 2021 Stock-Based 7,418 482 2,414 10,314 $ 10,541 $ $ 0 Compensation Expense 0 530 530 Enterprise Warrant & Share Based Expenses $ $ $ 21,427 4,633 61,947 88,007 $ 88,537 $ Three Months Ended September 30, 2021 Stock-Based O O 0 356 356 $ 000 20,067 $ 5,024 67,742 92,833 $ 93,189 $ O 0 0 87,673 0 87,673 87,673 Enterprise Warrant & Share Based Expenses $ 000 $ $ $ $ $ $ 0 0 $ $ O 17,039 0 17,039 17,039 $ $ Other Costs Other Costs Notes: 1. Metrics are unaudited 2. Other costs consists of expenses incurred in the period associated with the Company's initial public offering, its acquisitions, sublease impairment charges, restructuring and severance costs O O O O O 0 0 94 94 ooooo O 0 209 209 $ 209 LA $ 94 $ tA $ $ $ $ $ $ $ Non-GAAP 65,265 52,640 17,700 41,211 176,816 64,550 48,794 78,784 192,127 368,942 Non-GAAP 51,678 63,647 16,753 24,618 156,696 50,528 41,415 65,839 157,782 314,478 44

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