Active Consumers 25% Transactions per 15% Active Consumer Growth, Growth 21% ex- Returnly 19.5 18.7 18.1 17.6 16.9 19.5 16.5 16.0 18.6 15.6 17.8 14.7 5.1 17.1 16.1 4.9 15.6 15.1 14.7 4.6 13.9 4.4 4.1 3.9 3.6 3.5 3.3 FY Q1'23 FY Q2'23 FY Q3'23 FY Q4'23 FY Q1'24 FY Q2'24 FY Q3'24 FY Q4'24 FY Q1'25 Affirm Active Consumers (M) Returnly Active Consumers (M) Transactions per Active Consumer Notes: 1. Active Consumer defined as a consumer who engages in at least one transaction on our platform during the 12 months prior to the measurement date, presented as of the end of the period. Active Consumers includes consumers who engaged in at least one transaction on the PayBright and Returnly platforms during the 12 months prior to the measurement date and prior to the acquisitions of PayBright and Returnly by Affirm. A Returnly Active Consumer is defined as a consumer who engaged in at least one Returnly transaction and no Affirm transactions on our platform during the 12 months prior to the measurement date, presented as of the end of the period. 2. Transactions per Active Consumer defined as the average number of transactions that an Active Consumer has conducted on our platform during the 12 months prior to the measurement date, presented as of the end of the period. Transactions per Active Consumer includes transactions completed by Active Consumers on the PayBright and Returnly platforms during the 12 months prior to the measurement date and prior to the acquisitions of PayBright and Returnly by Affirm in all periods through FY Q1'24. 11 3. Metrics are unaudited