Affirm Investor Day Presentation Deck

Core markets: expanding our merchant base 21,000 merchants added in the last 12 months AFFIRM | 2023 Notable wins: last 12 months SHEIN TEMU Royal Caribbean INTERNATIONAL TikTok Shop NET-A-PORTER Booking.com KAYAK metro by T Mobile CATHAY PACIFIC Ongoing traction among new and unpenetrated merchants Core market expansion opportunities O O Low AOV Third-party marketplaces Side-by-side opportunities ~80% of U.S. e-commerce transactions are under $150 adapting our offering to address the fastest growing segment of e-commerce merchants willing to have >1 provider at checkout Unlocking new sources of TAM historically not addressed by Affirm affirm 32

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