Dave Results Presentation Deck

ARPU/member monetization ARPU grew 3% y-o-y grew largely based on the increasing adoption of Dave Card as well as the increase in average revenue per ExtraCash origination. ARPU declined q-o-q as growth in Dave Card / transaction-based revenue was more than offset by seasonally lower demand for ExtraCash due to tax refunds. Ability for users to seamlessly spend ExtraCash funds via Dave Card expected to continue to drive improved transaction revenue ARPU and will continue to be a primary strategic focus in 2023. Dave Annualized Revenue per Monthly Transacting Member $121 1Q22 3% Year-Over-Year Growth $122 2Q22 $129 3Q22 Note: See Glossary for the definition of Monthly Transacting Members $131 4Q22 $124 1Q23 21

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