Dave Investor Day Presentation Deck

Cumulative ARPU by Transacting Member Cohort: Sample Jan. 2019 vs. Jan. 2021 M1 Dave® M2 M3 M4 M8 M5 M6 M7 -Jan. 2019 Cohort -Jan. 2021 Cohort Cumulative 12 Month ARPU: +13% for Jan. 2021 vs. Jan. 2019 M9 M10 M11 Note: Transacting Member ARPU calculated as number of transacting members by cohort month multiplied by transacting member calendar month ARPU divided by original transacting member cohort size; transacting member calendar month ARPU calculated as total calendar month non-GAAP operating revenues divided by total number of transacting members in that month (i.e., number of transacting members in M1 of Jan. 2019 cohort multiplied by transacting member ARPU observed in Jan. 2019); see Glossary for Non-GAAP definitions M12 BCD We have improved the monetization of our Transacting Member cohorts over time Newer cohorts showing further upside 46

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