Dave Results Presentation Deck

4Q22 highlights Quarterly Non-GAAP $59M 3Q22 Dave Revenue 5% Q-O-Q Growth $62M 4Q22 28 Day Delinquency Rate 4.07% 3.58% ~50bps Q-O-Q Improvement 11 3Q22 4Q22 Customer Acquisition $24 3Q22 Cost 31% Q-O-Q Improvement $17 4Q22 Note: See Glossary for the definition of Non-GAAP Revenue, 28 Day Delinquency Rate, Customer Acquisition Cost, and Adjusted EBITDA. Adjusted EBITDA ($29M) 3Q22 59% Q-O-Q Improvement ($12M) 4Q22 10

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