Dave SPAC Presentation Deck

The Legacy Financial System Has Failed to Deliver... $300 - $400 Average fees paid per year by Dave customers to legacy banks Structurally High Fees, Low Accessibility, and Poor Customer Service... Overdraft ($35) and minimum balance fees ($10) for the most vulnerable customers Mediocre digital user experience Dave Source: Dave Management, industry reports and user feedback. Created by Bloated Bank Cost Structure & Innovator's Dilemma - Massive and expensive brick / mortar footprints Onerous regulatory requirements (capital, interchange) constrain investment Legacy and antiquated technology stacks and call centers 10

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