Affirm Investor Day Presentation Deck

Split Pay Merchant Discount Rate (MDR) ¹ Up to 8% Annual Percentage Rate (APR) 0% Term Lengths 6-8 weeks Payment Frequency Biweekly Repeat Velocity² Monthly Cart Size Range $50-$3,000 Average Order Value (AOV) $100-$250 1. Merchant Discount Rate ("MDR") is the fee charged to merchants for facilitating a transaction. 2. Repeat Velocity is the illustrative frequency with which a typical consumer may make a purchase which would be eligible for a given product type. All metrics are unaudited. 0.2 FY 20 Annual GMV ($B) 6-9x 0.5 FY 21 URBANSTEMS BBIRDIES affirm) 1.2-1.9 FY 22P rag & bone

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