Final considerations when Modeling our business Focus on forecasting RLTC Non-GAAP operating expenses Share-based payments ● We have demonstrated good ● We target a certain amount of ● Consider using both bottom up non-GAAP sales and marketing annual share-based dilution and top down approaches and G&A expense leverage ● Vesting of CEO value creation ● Consider both the Afûrm-speciûc ● Non-GAAP tech and data award options is subject to high and macroeconomic factors analytics expense has scaled with share price thresholds affecting RLTC as a % of GMV GMV and customer growth ● We expect enterprise warrant and commercial asset expense to decline substantially by FYE’25 A F F I R M | 2 0 2 3 34