Dave Results Presentation Deck

Differentiated Business strategy Achieve highly-efficient CAC by addressing members' most crucial need-Liquidity-and then deepening into long-term banking relationships Acquire • Acquire efficiently by marketing top of mind liquidity pain points • Grow prudently to facilitate break-even Dave Engage ● ExtraCash provides short-term advances to members in lieu of expensive overdraft fees • Enabled by continuous Al-driven underwriting Capital light product due to short duration • Automated settlement Deepen • Dave Card offers members a full service, no mandatory fee banking solution • Creates longer-term payments relationship with instant spending and early paycheck access 6

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