Affirm Results Presentation Deck

Interest Income and Loans Held for Investment Composition Interest Income Composition Composition of Average Loans Held for Investment ("LHFI") $40 $7 $33 18% FY Q1'20 affirm $45 $8 $37 18% 2. Notes: 1. $52 $9 $43 18% $74 $22 $54 $15 $52 $49 $10 $39 $39 27% 21% 30% $95 $32 $63 33% $117 $104 $38 $32 $72 31% $79 33% FY FY FY FY FY FY FY FY Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Other Interest Income ($M) Amortization of Discount ($M) Amortization of Discount as % of Total Interest Income $772 $216 28% $911 $246 $665 27% FY FY Q1'20 Q2'20 $1,224 $1,001 $1,012 $306 $250 $314 $751 25% FY Q3'20 $698 31% $918 25% $1,651 $809 $842 49% $2,042 $2,109 $2,134 $886 $875 $1,041 $1,001 51% $1,223 $1,259 Avg. Interest Bearing LHFI Balance Avg. 0% APR LHFI Balance 0% APR Balance % of Avg LHFI 42% 41% FY FY FY FY FY FY Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Amortization of discount is associated primarily with 0% loans or loans with below market value APRS; Other interest income includes interest income on unpaid principal balance net of amortization of premiums on loans and interest receivable charged-off Metrics are unaudited 12

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