Dave Investor Day Presentation Deck

Reconciliation of Net Loss to Adjusted EBITDA $ millions Net loss Interest expense (income), net Provision for income taxes Depreciation and amortization Stock-based compensation Legal settlement and litigation expenses Other strategic financing and transactional expenses Changes in fair value of derivative asset on loans to stockholders Changes in fair value of warrant liability Adjusted EBITDA Dave Three Months Ended December 31, 2021 ($15.2) 1.3 0.1 1.0 1.0 0.7 (1.7) 0.2 ($12.6) 2020 ($34.6) (0.1) 21.0 0.4 0.6 3.5 0.1 ($9.1) Twelve Months Ended December 31, 2021 ($20.0) 2.2 0.1 3.0 7.4 1.7 0.3 (34.8) 3.6 ($36.5) 2020 ($7.0) (0.5) 0.2 1.8 1.5 4.5 1.4 $1.9 59

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