RLTC summary in $ million and as a % of GMV Final RLTC considerations ● Macroeconomic factors have been a significant headwind to RLTC as a % of GMV in FY’23 ● Affirm-specific factors have had a neutral impact to RLTC as a % of GMV in FY’23 ● Pricing initiatives will take several quarters to achieve maximum beneût ● RLTC as a % of GMV is highly seasonal with 2FQ seasonally softest Note: References to impact on RLTC as a % of GMV in FY’23 relate to RLTC impact as measured through the ûrst three quarters of FY’23 A F F I R M | 2 0 2 3 Metrics are unaudited. 25