Financial Flexibility for Consumers Increased Sales for Merchants

Affirm Consumer Financing

We’ve assembled a team with deep experience in payments, social, mobile, and security founded by CEO Max Levchin and

Chief Risk Officer Nathan Gettings.

Consumer lending is broken The antiquated FICO-based system does not serve modern buyers. We’ve built smarter, simpler, and more transparent

financial products consumers love and merchants value.

Max is co-founder/CTO of PayPal; board member of Yahoo!,

Yelp, Evernote, and others

Nathan is co-founder of Palantir and RoboteX

Affirm Split Pay Splitting purchases into multiple payments gives

consumers flexibility and comfort.

Affirm Split Pay Moves Beyond Installments are flexible and configurable to create the best fit

for your customers and campaigns.

•  Not reliant on FICO and, therefore, high-approval

•  No pre-registration needed – Affirm just needs a few pieces of simple, top-of-mind information

•  Low cost with clear, plainly-worded

terms and proactive communication ahead of due dates

•  QVC and HSN have used this tool for

years

Affirm increases cart size by 35%

17% of sales happen with Affirm In our unassisted pilots, we’re seeing very high usage

We’re lifting carts and making merchants happy.

21% of mobile sales happen with Affirm In our unassisted pilots, we’re seeing very high usage

Split the payment, increase sales

Installments

Make the most of customer visits. “I was going to buy 4 pairs, but now I want to stock up with 8

and split the cost over the next 6 months.”

Expand the effect of sales and special events. “Six monthly payments lets me take full advantage of this weekend’s

big sale.”

Upgrade planned purchases. “I was going to get Model A, but Model B’s features are a lot better. Splitting the cost into 6 payments gives me the ability to upgrade.”

Everyone benefits

Merchant Increased basket size

Increased conversions

Payment guaranteed

Zero fraud liability

Consumers More time to pay

Split payments

Low or no fees

Affirm Consumer network

Discount rate

Service fees

Affiliates

Installments anywhere Affirm Installments boosts sales on any page, any format.

In the cart or payment pages

In e-mails, social posts, or other outbound communications

Product detail pages

The Merchant Is in control

Affirm Installments is configurable to create the best fit for your customers and campaigns.

•  Installments options from 2 – 12 payments and item/order eligibility

•  Configurable minimums (e.g. 2x AOV) and entry-point branding

•  We settle directly with you and assume risk, fraud, and chargebacks

•  Hands-on, 24/7 technical and operations support

Flexible Integration Options

Direct integration Modern APIs inspired by the best-in-class payment

processors. Dedicated integrations take as little as two days with our hands on developer support.

eCommerce platforms

We’re constantly releasing and refining integrations with major eCommerce platforms.

eCommerce Carts Use Affirm today with one of our direct cart integrations such

as Celery (www.trycelery.com)

How can we help you?

We’re looking for our next set of merchant partners. Can Affirm help you and your customers?

Brad Selby brad@affirm.com

(415) 562-7065