Dave Investor Presentation Deck

Our Powerful Flywheel Graduate customers into higher ARPU products at best in class rates at no additional CAC Cross attach customers to additional high engagement products that improve financial health and member lifetime value Dave Better products & prices Cross- Attach Drive Provide instant relief Network Effects Help customers with highest impact financial needs like overdraft at low acquisition cost. Drive trial of banking at cheaper rates than competition Strong Unit Economics word-of-mouth with customer delight and amplify with community products to scale customer base at low member acquisition cost High-impact products are Revenue-generative, fueling marketing spend Legally Privileged & Confidential Subject to Attorney Client Privilege

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