Dave Results Presentation Deck

Increasing engagement Growth driven by engagement-based marketing, rollout of ExtraCash $500, and underwriting improvements which bolster retention. Increases in ExtraCash member limits translate to a more compelling value proposition which drives top of funnel growth and down funnel engagement. Upside as we further emphasize transaction-focused and user quality-oriented acquisition and engagement, underwriting optimizations and Dave Card engagement, which has more favorable retention vs. baseline. Dave Total Monthly Transacting Members (MMS) 1.4 3Q21 1.5 4Q21 26% Year-Over-Year Growth 1.4 1Q22 Note: See Glossary for the definition of Monthly Transacting Members 1.5 2Q22 1.8 3Q22 13

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