Dave Results Presentation Deck

ARPU/member monetization Enhanced underwriting has facilitated larger ExtraCash sizes, improving monetization. Ability for users to seamlessly spend ExtraCash funds via Dave Card has driven improved transaction revenue ARPU, which rolled out throughout 3Q22 and will continue to be a primary strategic focus in 2023. Upside as we increase focus on member retention, pricing/UW model optimization, income detection and payroll integration capabilities, accelerate Dave Card adoption and introduce additional revenue-generating products/features. Dave Annualized Revenue per Monthly Transacting Member $116 4Q21 13% Year-Over-Year Growth $121 1Q22 $122 2022 Note: See Glossary for the definition of Monthly Transacting Members $129 3Q22 $131 4Q22 22

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