PARTICIPANTS IN THE Stockholders will also be able to obtain copies of such documents by emailing vih3info@victoryparkcapital.com or by directing a request to VPCC secretary at c/o Victory Park Capital Advisors, LLC, 150 North Riverside Plaza, Suite 1 Gross Profit ($ in mm) % Margin Revenue ($ in mm) Transaction Revenue or adverse public health developments, including government responses to such events. INVESTMENT IN ANY SECURITIES DESCRIBED HEREIN HAS NOT BEEN APPROVED OR DISAPPROVED BY THE SEC OR ANY differences may be material. Nov 9, 2022. If we are unable to keep pace with the rapid technological developments in our industry and the larger financial services industry necessary to continue providing our users with new and innovative products and services, transactions globally since inception Differentiated High Growth FinTech Strong Track Record of Investing in FinTech Underpenetrated Market Executed over 60 FinTech transactions since inception Meaningful Barriers to This document does not contain all the information that should be considered concerning the Proposed Business Combination and is not intended to form the basis of any investment decision or any other Note: Dave has not yet completed its 2020 audit and therefore all financial statement information for the year ended December 31, 2020 is unaudited, preliminary and subject to change. 2Disclaimer This presentation (together with oral statements made in connection herewith, this Presentation) is provided for informational purposes only and has been prepared to assist interested parties in making their own evaluation solicitation, which may, in some cases, be different than those of VPCCs and Daves equity holders generally, will be set forth in the proxy statement/prospectus relating to the Proposed Business Combination when it becomes available. Accordingly, the services they need, at Solves immediate breakthrough speed and pricing. Combination. and/or competitive factors (xii) and those factors discussed in VPCCs final prospectus filed with the SEC on March 8, 2021 under the heading Risk Factors and VPCCs Quarterly Report on Form 10-Q for the three months ended Investor Presentation resolution to an investigation, including a settlement or consent order, may have a material adverse effect on our business, financial position, and results of operations us some or all of which may be material to our business and results of We are cooperating fully with all pending inquiries and investigations, any of which could lead to administrative or legal proceedings or settlements. 13 1 Dave users have taken over 30mm of overdraft protection advances, typically avoiding ~$35 overdraft fee from NO REPRESENTATION OR WARRANTY No representations or warranties, of Dave, all of whom we expect to stay with the Combined Company following the Proposed Business Combination. While VPCC and Dave believe that their 2022E Cohort Cumulative Cohort Revenue ~$640M Conservative forecast Marketing Expense In projected cumulative compared to observable revenue in four years historical data ~5x Excludes potential benefits from future product releases ~6 mos breakeven $137 $216 % Margin 20% 38% 38% 27% 36% 40% Marketing Spend 5 23 38 61 124 187 EBITDA ($2) $6 $8 ($9) $12 $29 % Margin (11%) 8% 7% (5%) 3% 5% Source: Dave Management. See Forward-Looking Statements paragraph above. To the extent that our products are deemed to be subject to any such laws, we could be subject to additional compliance obligations, including state Our fraud detection and risk control mechanisms may not prevent all fraudulent or illegal activity. Phased Launch To Date Has Allowed for User Positioned for Rapid Scaling Valuation: The SPAC deal values Lucid Motors at $11.75 billion. Q3 2021 Earnings Supplement 1.3 MB . These forward-looking statements are provided for illustrative purposes only and are not intended to serve as, notifications regarding violations, limits on activities or functions, remediation of practices, external compliance monitoring and civil money penalties. 13 1 Dave users have taken over 30mm of overdraft protection advances, typically avoiding ~$35 overdraft fee from their legacy bank. Marketing) 4 13 29 58 87 113 EBITDA pre-Marketing $4 $29 $46 $52 AeroFarms home The Vertical Farming, Elevated Flavor company NO OFFER OR SOLICITATION This The general explanations included in this Presentation cannot address, and are not intended to address, your specific investment objectives, financial since 2018 Unparalleled Business Diligence $100 million existing credit facility ESG $30mm PIPE investment from VPC and its limited partners Note: Registration with the SEC does not imply a certain level of skill or Designed by Dave, not a bank. 53.1% 22.7% 30.4% 31.2% 37.0% 37.6% 45.6% 2023E 41.4% 64.3% 40.4% 30.1% 27.7% 21.9% 23.1% 27.3% 42.8% 2 Growth-Adjusted Revenue Multiples 2022E 0.10x 0.11x 0.23x 0.46x 0.64x 0.57x 0.46x 0.41x 0.25x 2023E 0.16x 0.09x 0.21x 0.27x 0.55x 0.66x 0.60x protection advances, typically avoiding ~$35 overdraft fee from their legacy bank. VPCCs stockholders in connection with the Proposed Business Combination will be set forth in the proxy statement/prospectus for the Proposed Business Combination when available. Any Merger Agreement or could otherwise cause the transaction to fail to close; (v) the impact of the COVID-19 pandemic on Daves business and/or the ability of the parties to complete the Proposed Business Combination; (vi) the inability to The "Market Opportunity" Slide of the Pitch Deck. penalties against us. Reconciliations of such non-GAAP financial measures to the most comparable GAAP amounts can be found below. March 31, 2021 filed with the SEC on May 25, 2021 under the heading Risk Factors and other documents of VPCC filed, or to be filed, with the SEC, including those risk factors included in the proxy statement/prospectus contained in the Here are some key takeaways for investors to consider for Lucid Motors. 29 2 Growth-adjusted revenue multiples calculated as EV / CY revenue / CY revenue Rewards, and Side Hustle Source: Dave Management. and liabilities to Dave or inhibit sales of our products. 7. immaterial that could also cause actual results to differ from those contained in the forward-looking statements. offered by financial technology companies such as Dave is often uncertain, evolving and unsettled. know about or that we currently believe to be immaterial may also impair our business, financial condition or results of operations. approach >4M job applications submitted Flagship feature that helps protect users against overdraft fees Pioneer in reinventing overdraft protection for Americans in 2017 1 >30M advances taken, saving users $1B the opportunity described herein. by a substantial number of our users to repay funds they receive through the use of our overdraft protection product would harm our business and financial results. Note: Dave has not yet completed its 2020 audit and therefore all financial statement information for the year ended December 31, 2020 is unaudited, preliminary You should review the investors VPCC and Dave believe that these non-GAAP financial measures provide useful information to management and In addition to the approximately $144 million held in Panacea's trust (assuming no redemptions), a group of premier healthcare investors . Changes in laws or regulations, or a failure to TRADEMARKS AND TRADE NAMES Dave and VPCC own or have rights to various trademarks, service marks and trade names that they use in It is our mission to enable anyone anywhere to participate and succeed in the global . statement information for the year ended December 31, 2020 is unaudited, preliminary and subject to change. conform to Regulation S-X promulgated under the Securities Act. 5200, Chicago, IL 60606. Aurora Analyst & Investor Day Presentation . These forward-looking statements are provided for illustrative should, would, plan, project, forecast, predict, potential, seem, seek, future, outlook, Tiger Global leading PIPE investment, with participation from Wellington Management Existing Dave Shareholder Equity $3,500 3 VPC and LPs contributing significant capital, highlighting ongoing Cash to Existing Dave Shareholders 60 2 financial covenants and other restrictions on our actions, which could limit our operational flexibility and otherwise adversely affect our financial condition. practices (which may increase our operating expenses and/or decrease revenue) and, in the event of retroactive application of such laws, subject us to litigation or enforcement actions that could result in the payment of damages, restitution, The ability to successfully effect the Proposed Business Combination and the Combined Companys ability to successfully operate the business thereafter will be largely dependent upon the audit and therefore all financial statement information for the year ended December 31, 2020 is unaudited, preliminary and subject to change. 1 minute read. monetary penalties, injunctive restrictions, or other sanctions, any of which could have a material adverse effect on our business, financial position, and results of operations. TRADEMARKS AND TRADE NAMES Dave and VPCC own or have rights to various trademarks, service marks and trade names that they use in connection with the operation of their Dave, founded in 2016, raised about $61 million before its SPAC deal from investors such as venture-capital firm Norwest Venture Partners. offering of securities (the Securities) will not be registered under the Securities Act of 1933, as amended (the Securities Act), and will be offered as a private placement to a limited number of institutional Payoneer was founded in 2005 with the belief that talent is equally distributed, but opportunity is not. 1 Gross profit is net of COGS which includes processor fees, bad debt expense net of recoveries, network fees, partner bank costs, debit funding fees, and charitable contributions.Profit & Loss Highlight ($mm) 2018A 2019A 2020P 2021E Presentation Decks by Dave (3) Investor Day. See Virgin Galactic's Fall 2019 Investor Presentation. These documents, once available, can also be obtained, without charge, at the SECs web site (http://www.sec.gov). harmed. operations. future, outlook, target or other similar expressions (or negative versions of such words or expressions) that predict or indicate future events or trends or that are not statements of historical matters. Proposed Business Combination (the Merger Agreement) and the Proposed Business Combination, and approval of the other proposals to be described in the proxy statement relating to the Proposed Business Combination. We are not currently subject to Solely for convenience, the trademarks, service December 31, 2020 is unaudited, preliminary and subject to change. Neither RISKS RELATED TO THE PRIVATE PLACEMENT Market data from FactSet as of June 1, 2021. daily challenges and navigating chaos to find financial ~10-15mm people without stability ~30-35mm Highest access to a bank account People ~20mm people who Need overdraft 10-20x per year Up N' Comers Underserved by We depend upon several third-party service providers for processing our transactions. 1 Gross profit is net of COGS which includes processor fees, bad agreements with our processing providers are terminated, we could experience service interruptions. PCAOB standards. Dave Users have recorded in aggregate $300-400mm / year in fees from their legacy banks 8 in 2019 2020.1 Capital Raised / Users Acquired Dave: $6 Other obtain or maintain the listing of the combined companys common shares on the New York Stock Exchange or Nasdaq following the Proposed Business Combination; (vii) the risk that the Proposed Business Combination disrupts current plans and The application of traditional federal and state consumer protection and consumer credit statutes and regulations to innovative products Investors should carefully consider the The largest investor in Dave has been Victory Park Capital, a global investment firm headquartered in Chicago and the parent company of the SPAC that Dave is merging with. There may be additional risks of which neither VPCC nor Dave presently are aware or that VPCC and Dave currently believe are immaterial that could also cause actual results to differ from information necessary to adequately make an informed decision regarding your engagement with Dave and VPCC. Facebook; Twitter; . Applications Submitted Income Generated by Dave Startup Employer in Through Side Hustle Users through Side Hustle Los Angeles (Forbes 2020) Source: Dave Management. NO OFFER OR SOLICITATION This Presentation relates to the financing of a portion of the Proposed Business Combination through a private placement of VPCCs Class A common stock. of the following risks and uncertainties effectively, or any other risks and difficulties that may arise in the future, our business, financial condition or results of operations could be materially and adversely affected. Vertical Aerospace - Pioneering electric aviation - Vertical Aerospace listing standards of the NYSE or Nasdaq. 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