Dave Investor Presentation Deck

The majority of Americans are struggling with their finances TAM 176MM Customers • Spending Income • Minimal to moderate savings • Overdraft up to 20x per year • Need access to affordable credit Includes both young and financially challenged Americans Dave TAM Grew 6% (10MM Customers) in 2022¹ Inflation outstripping wage growth is causing more Americans to live paycheck to paycheck...³ ...and further eroding consumer saving balances: U.S. savings rate is far below pre-pandemic levels² Note: TAM = total addressable market. (1) Financial Health Network's "Financial Health Pulse 2022 U.S. Trends Report"; 176 million represents (2) Source: U.S. Bureau of Economic Analysis (3) Source: PYMNTS.com New Reality Check: The Paycheck-To-Paycheck Report, May 2023; values represent simple annual averages 57% 2021 9% % of Consumers Living Paycheck-to-Paycheck Feb. '20 62% 2022 e total number of financially vulnerable or financially coping consumers in that study. The corresponding figure in 2021 was 166 million. 4% Apr. ¹23 Personal Savings Rate LO 5

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