Dave Results Presentation Deck

ARPU/member monetization Our data-driven credit underwriting facilitates larger ExtraCash sizes which translate into stronger monetization, albeit at lower rates i.e. higher ARPU at lower variable margins but with higher total variable profit. Ability for users to seamlessly spend ExtraCash funds via Dave Card has driven improved transaction revenue ARPU, which rolled out throughout 3Q22. Upside as we increase focus on member retention, implement new pricing model, income detection and payroll integration capabilities, accelerate Dave Card adoption and introduce revenue-generating products/features. Dave Annualized Revenue per Monthly Transacting Member $115 3Q21 $116 4Q21 12% Year-Over-Year Growth $121 1Q22 Note: See Glossary for the definition of Monthly Transacting Members $122 2Q22 $129 3Q22 17

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