Dave Investor Day Presentation Deck

Member Acquisition Cost Dave $18.92 2020 Q4 '20: $25.00 $27.38 2021 Q4 '21: $28.55 Note: Reflects total marketing expense including advertising, brand investment, promotions, agency costs, etc. Customer Acquisition Costs remain attractive, despite annual increase in 2021 Modest increase in Q4 YOY Significant ability to scale as we focus on acquiring transacting members A 44

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