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  "presentationDate": "2022-11-01 00:00:00",
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      "kind": "chart",
      "text": "Total Members (MMs) 36% Year-Over-Year Growth 5.7 6.0 6.4 6.9 7.8 3Q21 4Q21 1Q22 2Q22 3Q22",
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      "kind": "paragraph",
      "text": "We differentiate by first addressing Members' most crucial need—Credit—and then building long-term banking relationships.",
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      "text": "Product market fit, strong brand, and low-cost acquisition have enabled Dave to achieve consistent member growth.",
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      "text": "Sizeable addressable market of 176 million (1) U.S. consumers, which grew 6% YoY in 2022, provides a secular tailwind.",
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      "text": "Note: See Glossary for the definition of Total Members (1) Source: Financial Health Network's \"Financial Health Pulse 2022 U.S. Trends Report\"; 176 million represents the total number of financially vulnerable and financial coping consumers in that study.",
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