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Dave Investor Presentation Deck

Strong growth while improving CAC Product enhancements and channel optimization supported the Company's highly efficient CAC. CAC improved 31% Y-o-Y: we acquired 5% more Members for 28% less marketing spend. Excluding $1.4mm of spend related to brand refresh and TV/radio creative assets which began airing in 3Q23, CAC improved 38%. Excluding $1.4mm of marketing spend outlined above, CAC in 2Q23 would have been $18 or 15% higher than 1Q23 as we ramped acquisition by 26%. We expect marketing spend in 2H23 to remain at comparable levels to 1H23, albeit modestly front-end loaded. We sequence marketing spend to capitalize on favorable seasonal trends in order to optimize returns on investment. Dave Customer Acquisition Cost CAC and New Member Acquisition (000s) $100 $90 $80 $70 $60 $50 $40 $30 $20 $10 $0 703 $30 2Q22 998 $24 715 Note: See Glossary for the definition of Customer Acquisition Costs $17 5% Y-o-Y Growth 4Q22 3Q22 New Member Acquisition (000) 587 $16 1Q23 739 (31%) Y-o-Y Improvement ā—‡ CAC $20 2Q23 1,200 1,000 800 600 400 200 O 15 New Member Acquisition (000s)
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