Dave Results Presentation Deck

Reconciliations Dave DAVE INC. RECONCILIATION OF OPERATING REVENUES, NET TO NON-GAAP OPERATING REVENUES (in millions) (unaudited) Operating revenues, net ExtraCash origination and ATM-related costs Non-GAAP operating revenues Operating expenses Non-variable operating expenses Non-GAAP variable operating expenses $ Non-GAAP operating revenues Non-GAAP variable operating expenses Non-GAAP variable profit Non-GAAP variable profit margin $ RECONCILIATION OF OPERATING EXPENSES TO NON-GAAP OPERATING EXPENSES (in millions) (unaudited) $ $ For the Three Months Ended March 31, 2023 2022 CALCULATION OF NON-GAAP VARIABLE PROFIT (in millions) (unaudited) $ $ 58.9 1.7 60.6 For the Three Months Ended March 31, 2023 2022 71.4 (44.8) 26.6 $ $ (26.6) $ $ For the Three Months Ended March 31, 2023 2022 60.6 $ 34.0 $ 56% 42.6 1.1 43.7 65.2 (39.3) 25.9 43.7 (25.9) 17.8 41% 36

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