Affirm Results Presentation Deck

GAAP to Non-GAAP Expense Reconciliations, H1'22 Three Months Ended December 31, 2021 Stock-Based Compensation ($ 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 Restructuring and other 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 Restructuring and other Other Operating Expenses Total Operating Expenses $ Ś $ $ $ $ $ $ GAAP 65,265 $ 52,640 17.700 41,849 177,454 94.989 143,476 141,292 0 GAAP 379,757 $ $ Ś 557,211 $ 51,678 $ 63,647 16.753 25,201 157,279 $ 78,013 $ 63,960 136,204 0 278,177 Ś 435,456 $ D&A D&A 0 0 0 108 108 $ ܘ ܘ ܘ $ Ś 9.012 2,377 467 0 11.856 $ 11,964 $ $ 227 227 $ $ 0 0 0 530 530 7,418 482 2,414 0 10,314 $ 10,541 $ Enterprise Warrant & Share Based O 0 0 356 356 $ 21.427 4,633 61,947 0 88,007 $ 88,537 $ $ Ś 92,833 Three Months Ended September 30, 2021 Stock-Based Enterprise Warrant Compensation & Share Based $ $ 20,067 $ 5,024 67,742 0 $ 93,189 $ 0 $ O O O O O $ 0 S 87,673 0 0 87.673 87,673 O O O O C 0 0900 $ $ 0 $ 17,039 $ $ 17.039 $ 17,039 $ Restructuring charges, net Restructuring charges, net O O O O O O O O O O OOO OO $ 0 $ O O O O O $ S $ $ $ 40 0 $ S $ Other Non- Recurring Items ooooº 94 0 94 Other Non- Recurring Items 94 0 $ 0 O O O O O Ś 0 0 209 0 209 $ $ $ Ś $ $ $ 209 $ Notes: affirm 1. Metrics are unaudited 2. Other costs consist of expenses incurred in the period associated with the Company's initial public offering, acquisitions, impairment charges, restructuring, severance, and exit and disposal costs Non-GAAP 65,265 52,640 17.700 41,211 176,816 64.550 48,794 78,784 0 192,127 368,942 Non-GAAP 51,678 63,647 16,753 24,618 156,696 50,528 41,415 65,839 0 157.782 314,478 49

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