Dave Investor Presentation Deck

Significant member scale We differentiate by first addressing Members' most crucial need-liquidity-and then building long-term banking relationships. Product market fit, strong brand, and low-cost acquisition have enabled Dave to achieve consistent member growth at scale. Sizeable addressable market of 176 million¹ U.S. consumers, which grew 6% YoY in 2022, provides a secular tailwind. Dave Total Members (MMS) 6.9 2Q22 33% Year-Over-Year Growth 7.8 3Q22 8.3 4Q22 8.7 1Q23 9.2 2Q23 Note: See Glossary for the definition of Total Members ¹Source: Financial Health Network's "Financial Health Pulse 2022 U.S. Trends Report"; 176 million represents the total number of financially vulnerable and financially coping consumers in that study. 16

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