Dave Investor Day Presentation Deck

Equity Capitalization Detail Diluted Shares Outstanding Using TSM Assuming $10 / Share 323,549,861 Category Class A Common Shares Class V Common Shares Basic Shares Outstanding Outstanding Options 2 Performance Vesting Options Public Warrants 3 Private Warrants Dave® 3 Diluted Shares Outstanding Shares Underlying 323,549,861 48,450,639 372,000,500 21,601,055 11,456,061 6,344,150 5,100,214 372,000,500 48,450,639 Convertible 1:1 to class A common stock; 10 votes per share Notes Basic shares Number of underlying shares converted using Treasury Stock Method at $10 per 20,257,613 share; weighted-average exercise price of $0.62. Options generally vest over 4- year period. Includes vested and nonvested shares outstanding. 402,884,397 Options that vest based on performance milestones with weighted-average vesting 10,626,284 price of $18.15. Number of underlying shares converted using Treasury Stock Method at $10 per share; weighted-average exercise price of $0.72. Note: Weighted-average exercise prices rounded to the nearest cent 1 Weighted-average exercise price of $0.62 2 Weighted-average exercise price of $0.72 3 Exercise price of $11.50 Exercise price of $11.50 per share. Redeemable for $0.01 per warrant if closing price of Dave common stock equals or exceeds $18.00 for any 20 trading days within a 30-trading day period. Exercise price of $11.50 per share. Not redeemable for cash so long as Warrants are held by the initial purchasers or their permitted transferees. 61

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