Dave Investor Presentation Deck

Legacy banks fail to support everyday consumers $300 - $400 Average fees paid per year by financially struggling Americans to legacy banks² Overdraft Fee¹ Annual bank account fees Minimum balance to avoid account fees Dave CHASE $34 $144 $1,500 WELLS FARGO $35 $120 $500 citi $34 $120 $1,500 BANK OF AMERICA $10 $144 $1,500 DaveⓇ Optional Fees $0 (1) Chase: Overdraft fee charged for overdrafts of $50 or more; bank account fees waived with monthly direct deposits of $500 or more or daily balance of $1,500 or daily balance of $5,000 across Chase accounts. WF: Overdraft fee charged for overdrafts of $5 or more; account fees waived only with monthly direct deposits of $500 or daily beginning balance of $500 or a 17-24 year old primary account holder Citi: Bank account fees waived only with 1 direct deposit or qualifying bill payment per statement pd. or total avg. daily balance of $1,500. BofA: Overdraft fee charged for overdrafts over $10; bank account fees waived with one of the following: one qualifying direct deposit of at least $250, minimum daily balance of $1,500, or qualify for Preferred Rewards Gold +. (2) Consumer Financial Protection Bureau: www.consumerfinance.gov/about-us/blog/overdraft-fees-can-price-people-out-of-banking/#-text-While%20a%20number,doesn%E2%80%99t%20have%20any.%E2%80%9D $0 Using tech to deliver superior products with a fraction of the overhead 6

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