Dave Results Presentation Deck

Improving delinquency performance Significant and continued improvements in DQ rates: 98bps q-o-q driven by underwriting enhancements and seasonal strength from tax refunds • 67bps y-o-y while growing ExtraCash originations by 46%; due to underwriting optimizations Credit performance should normalize modestly q-o-q due to planned growth in Member acquisition and as the favorable impact of tax refund season recedes. Our underwriting is differentiated as our Al is primarily using bank account transaction data which allows us to detect, nearly in real-time, changes in income, spending, savings, and employment signals. FICO underwriting bases credit decisions on bureau data which are lagging indicators of risk. DQ rates controllable with dynamic nature of underwriting/risk management strategies, combined with short-term nature of the ExtraCash product. Dave 3.21% 1Q19 28 Day Average Quarterly Delinquency Rate 3.99% 4.32% 4.20% 3.06% 3.52% 4.87% 5.93% 3.56% 4.47% 4.20% 3.48% Note: See Glossary for the definition of 28 Day Average Quarterly Delinquency Rate 3.27% 98 bps improvement QoQ 4.07% 3.67% 3.58% ili 67bps improvement YoY 2.60% III LIITT 2Q19 3Q19 4Q19 1020 2020 3Q20 4020 1021 2Q21 3Q21 4Q21 1Q22 2022 3Q22 4Q22 1023 20

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