Dave Investor Presentation Deck

Flywheel effect between ExtraCash and Dave Card Growing Dave Card adoption amongst Members is driving more transactions per active user thus deepening recurring engagement with our Members. Continued growth in transactions per Member represents Dave gaining a greater share of member spending, allowing us to unlock additional ARPU potential within our banking product. 27% Y-O-Y increase primarily driven by continued strategic priority of members spending ExtraCash on their Dave Cards. Further product enhancements, such as our recent launch of 4% APY on Members' Dave Card and Goals accounts, expected to continue to spur growth in engagement across the Dave ecosystem. Dave Average Monthly Transactions per Monthly Transacting Member 4.5 2Q22 27% Year-Over-Year Growth 4.6 3Q22 5.2 4Q22 Note: See Glossary for the definition of Transactions Per Monthly Transacting Member 5.3 1Q23 5.7 2Q23 24

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