Dave Results Presentation Deck

Path to profitability: key milestones 2022 & Prior Contribution Profit Positive Contribution profitable since pre-2020 • Positions Dave Dave for profitability as it scales 2023 Adjusted EBITDA Positive (Pre-Marketing / Other Acquisition) 2024 Adjusted EBITDA Positive Conservative assumptions on continued ARPU improvement O Further optimizing ExtraCash e.g. funnel, monetization o Growing cross-attach to Dave Card o Deeper focus on incentivizing primary direct deposit relationships o New, identified sources of revenue Margin improvements based on identified and predominantly in-flight initiatives o Underwriting + settlement optimization and optimizing major vendor contracts o Driving direct deposit relationships and higher spend per active as the Dave Card business matures o Intensified focus on fraud controls and risk management Operating leverage of fixed cost base as contribution profit scales 25

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