Dave Results Presentation Deck

Flywheel effect between ExtraCash and Dave Card Growing Dave Card adoption amongst Members is driving more transactions per active, deeping the daily use case we have with our Members. Additional transactions per MTM also allows us to gain greater share of wallet to unlock the additional ARPU of our banking product. 5% q-o-q increase primarily driven by continued strategic priority of members spending ExtraCash on their Dave Cards and positive seasonality as a result of tax refunds; partially offset by negative tax season effects on ExtraCash engagement. Dave Average Monthly Transactions per Monthly Transacting Member 4.6 1Q22 19% Year-Over-Year Growth 4.5 2Q22 4.6 3Q22 Note: See Glossary for the definition of Transactions Per Monthly Transacting Member 5.2 4Q22 5.4 1Q23 24

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