Dave Investor 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 built on a light-weight, modern tech stack. • Creates longer-term payments relationship with instant spending and early paycheck access 7

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