Dave Results Presentation Deck

Dave's ExtraCash product overview ExtraCash Attribute Advance Size Term Underwriting How Dave Makes Money Dave $25 - $500 Average:~$154 Typically: 1-2 weeks Cash flow: based per linked bank account data Free Delivery: ACH (1-3 days) Tips: Optional Members Have Two Options Express Fee: via debit rails (Instant) Tips: Optional Benefits to Member • Bridges gaps between paychecks for essential expenses, e.g. rent, gas, groceries Aligns with paycycle to smooth liquidity gaps between paychecks • Instant decisioning • No credit score or relationship requirements • Fee-free option provides flexibility in price / experience . Consumer friendly • Instant access to funds . More affordable than overdraft fees & other short-term credit Benefits to Dave Efficient CAC by quickly addressing member pain point • Strategic entry point into banking relationship • Capital / balance sheet light Short duration → rapid underwriting optimization • Real-time data allows us to be highly responsive to changes in credit profiles (vs. lagged FICO) Optionality bolsters CAC efficiency • Tips and express fees provide predictable monetization and favorable unit economics 9:41 Dave Extra Cash balance + advance $250 Add funds How is my total available calculated? Extra Cash account balance Advance available O all Total available Transfer $0.00 $250.00 $250.00 7

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