Dave Investor Presentation Deck

Dave's ExtraCash product overview ExtraCash Attribute Advance Size Term Underwriting How Dave Makes Money $25 - $500 Average:~$156 Typically: 1-2 weeks Cash flow: based per linked bank account data ACH delivery: Free Instant Transfer Fees (Optional) Tips (Optional) Average Revenue per ExtraCash Advance:~$9 Benefits to Member • Bridges gaps between paychecks for essential expenses, e.g. rent, gas, groceries • Aligns with paycycle to smooth liquidity gaps between paychecks • Instant decisioning • No credit score or relationship requirements • Fee-free option (via ACH in 1-3 days) provides flexibility in price / experience • Instant access to funds . Consumer friendly . More affordable than overdraft fees & other short-term credit; no late fees Benefits to Dave • Efficient CAC by quickly addressing member pain point • Strategic entry point into banking relationship • Capital / balance sheet light Short duration rapid underwriting optimization • Real-time data allows us to be highly responsive to changes in credit profiles (vs. lagged FICO) Optionality bolsters CAC efficiency • Tips and instant transfer fees provide predictable monetization and favorable unit economics 9:41 Dave Extra Cash balance + advance $250 Add funds all How is my total available calculated? Extra Cash account balance 0 Advance available O Total available Transfer * $0.00 $250.00 8 $250.00

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