Dave Investor Day Presentation Deck

How are we able to do this? We approach risk evaluation differently. This gives us the ability to offer more Americans access to credit at a lower cost. With over 100 million underwriting decisions over the past 5 years we have more experience evaluating short term credit than anyone else. Dave Underwriting Philosophy Data Model Management Payback Approach Dave Continuous Realtime Cashflow data from 14,000 banks ML models revised and retrained quarterly (at least) When members are paid Top FI / Lenders Once at account opening 30 day old (or older) credit bureau data Rules based revisited / revised annually (at most) At arbitrary payment due dates. 17

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