#1Vroom UACC Transaction Overview October 2021#2disclaimer Industry and Market Data This presentation includes estimates regarding market and industry data. Unless otherwise indicated, information concerning the industry and the markets in which the Company operates, including its general expectations, market position, market opportunity and market size, are based on management's knowledge and experience in the markets in which we operate, together with currently available information obtained from various sources, including publicly available information, industry reports and publications, surveys, our customers, trade and business organizations and other contacts in the markets in which the Company operates. Certain information is based on management estimates, which have been derived from third-party sources, as well as data from internal research, and are based on certain assumptions that management believes to be reasonable. While such information is believed to be reliable, for the purposes used herei we make no representation or warranty with respect to the accuracy of such information. In presenting this information, management has made certain assumptions that management believes to be reasonable based on such data and other similar sources and on the knowledge of, and experience to date in, the markets in which the Company operates. While the Company believes the estimated market and industry data included in this presentation are generally reliable, such information, which is derived in part from management's estimates and beliefs, is inherently uncertain and imprecise, and you are cautioned not to give undue weight to such estimates. Market and industry data are subject to change and may be limited by the availability of raw data, the voluntary nature of the data gathering process and other limitations inherent in any statistical survey of such data. In addition, projections, assumptions and estimates of the future performance of the markets in which the Company operates are necessarily subject to uncertainty and risk due to a variety of factors. These and other factors could cause results to differ materially from those expressed in the estimates made by third parties and by the Company. Accordingly, you are cautioned not to place undue reliance on such market and industry data or any other such estimates. The content of, or accessibility through, the sources and websites identified herein, except to the extent specifically set forth in this presentation, does not constitute a part of this presentation and are not incorporated herein and any websites are an inactive textual reference only. Certain monetary amounts, percentages and other figures included in this presentation have been subject to rounding adjustments. Certain other amounts that appear in this presentation may not sum due to rounding. This presentation contains certain supplemental financial measures that are not calculated pursuant to U.S. generally accepted accounting principles ("GAAP"). These non-GAAP measures are in addition to, and not a substitute or superior to, measures of financial performance prepared in accordance with GAAP. "Safe Harbor" Statement under the Private Securities Litigation Reform Act of 1995 This presentation contains forward-looking statements about the Company. All statements other than statements of current or historical facts contained in this presentation or made orally during this presentation are forward-looking statements and are based on information available to, and assumptions and estimates made by, management as of the date hereof. Statements regarding our future results of operations and financial position, business strategy and plans and objectives of management for future operations, including, among others, statements regarding the merger, future revenues, expenses, earnings, capital expenditures, deposits or stock price and factors and trends affecting our business, as well as the assumptions upon which expectations are based, are forward-looking statements. In some cases, you can identify forward- looking statements by terms such as "anticipate," "believe," "contemplate," "continue," "could," "design," "estimate," "expect," "intend," "may," "plan," "potentially," "predict," "project," "should," "target," "will," "would," or the negative of these terms or other similar terms or expressions, although not all forward-looking statements contain these identifying words. The forward-looking statements in this presentation are only predictions. We have based these forward-looking statements largely on our current expectations and projections about future events and financial trends that we believe may affect our business, financial condition and results of operations. Forward-looking statements involve known and unknown risks, uncertainties and other important factors that may cause our actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by the forward-looking statements. Because forward-looking statements are inherently subject to risks and uncertainties, some of which cannot be predicted or quantified, you should not rely on these forward-looking statements as predictions of future events. The events and circumstances reflected in our forward-looking statements may not be achieved or occur and actual results could differ materially from those projected in the forward-looking statements. In addition, statements that "we believe" and similar statements reflect our beliefs and opinions on the relevant subject. These statements are based upon information available to us as of the date of this presentation, and while we believe such information forms a reasonable basis for such statements, such information may be limited or incomplete, and our statements should not be read to indicate that we have conducted an exhaustive inquiry into, or review of, all potentially available relevant information. These statements are inherently uncertain and investors are cautioned not to unduly rely upon these statements. You should read this presentation with the understanding that our actual future results, levels of activity, performance and achievements may be materially different from what we expect. We qualify all of our forward-looking statements by these cautionary statements. These forward-looking statements speak only as of the date of this presentation. Except as required by applicable law, we do not plan to publicly update or revise any forward-looking statements contained in this presentation after we distribute this presentation, whether as a result of any new information, future events or otherwise. Risks and uncertainties that forward-looking statements involve include, among others, (1) the risk that any cost savings, revenue synergies and other anticipated benefits of the proposed acquisition may not be realized or may take longer than anticipated to be realized, (2) disruption to the parties' businesses as a result of the announcement and pendency of the proposed acquisition and diversion of management's attention from ongoing business operations and opportunities, (3) the occurrence of any event that could give rise to the right of one or both of the parties to terminate the merger agreement, (4) the failure to obtain required governmental approvals or a delay in obtaining such approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the Company or the expected benefits of the proposed acquisition), (5) the failure of any of the closing conditions in the merger agreement to be satisfied on a timely basis or at all, (6) delays in closing the proposed acquisition, (7) the possibility that the proposed acquisition may be more costly or difficult to complete than anticipated, (8) other factors that may affect future results of the Company and (9) the impact of the ongoing global COVID-19 pandemic on the Company's business or ability to complete the proposed acquisition. For discussion of these and other risks and uncertainties that may cause actual results to differ from expectations, refer to the Company's Annual Report on Form 10-K for the year ended December 31, 2020, on file with the Securities and Exchange Commission (the "SEC"), including the section entitled "Risk Factors", and all subsequent filings with the SEC under Sections 13(a), 13(c), 14 or 15(d) of the Securities Exchange Act of 1934. In addition, factors other than those risks also could adversely affect the Company's results, and you should not consider these risks to be a complete set of all potential risks or uncertainties.#3today's presenters paulhennessy Chief Executive Officer bob krakowiak Chief Financial Officer 3 V 2021 Vroom, All rights reserved.#4● ● ● uacc is a proven leader in auto financing united auto credit corporation overview Leading non-prime auto finance company with a nationwide network of independent auto dealers (7,300+) founded in 1996 Extensive application processing, underwriting, securitization, and servicing capabilities Disciplined credit culture with robust profitability, return on equity (ROE), and stable risk-adjusted yields Pre-tax earnings of $38 million, originations of ~$350 million, and after-tax ROE of 30%+ for the 12-month period ended June 2021 Seasoned management team to join Vroom post-closing leading capabilities UNITED AUTO CREDIT underwriting & servicing auto finance platform successful capital markets securitization experience disciplined credit culture and long-term track record strong profitability and management expertise 4 V 2021 Vroom, All rights reserved.#5strategic rationale uacc unlocks the benefits of our asset-light captive finance strategy vroom + UNITED AUTO CREDIT accelerates captive financing capabilities enables significant gppu improvement enhances customer experience to improve conversion accelerates sales growth leverages fixed-cost base to improve margins broadens customer base and expands addressable market 5 V 2021 Vroom, All rights reserved.#6anticipated integration milestones Q4 2021-Q1 2022 Closing of the transaction Begin integration 1H 2022 Integrate corporate functions and commence technology integration Begin loan originations via UACC 2H 2022 Extend technology platform to enable ecommerce loan originations Transition to integrated captive financing provider 2023 and Beyond Expand integrated financing capabilities beyond non-prime O 6 V © 2021 Vroom, All rights reserved.#7asset-light funding strategy Balance Sheet Treatment vroom will transition uacc to an originate-to-securitize/sell model 0-12 months Whole loans originated pre-closing to be either sold via a portfolio sale or removed from the balance sheet utilizing a gain on sale securitization transaction to remain in-line with our asset light model Existing securitizations to remain outstanding until callable Loans originated post-closing - to be funded via existing warehouse lines and sold via forward flow arrangements and off-balance sheet securitizations Balance Sheet Treatment 12+ months All future loans to be funded via existing warehouse lines and sold to third-party investors via forward flow arrangements and off-balance sheet securitizations Note: A portion of UACC's existing loans are expected to be retained on the balance sheet immediately post-close; additionally, per SEC risk retention requirements, a minimal economic interest of all securitizations is required to be retained on-balance sheet over the duration of the security. 7 V 2021 Vroom, All rights reserved.#8uplift to financial model unit sales average selling price revenue gross profit profitability ● ● ● ● Increases ecommerce unit sales Reduces ASP through initial acceleration of non-prime sales Accelerates total revenue growth Enhances aggregate gross profit and GPPU Leverages fixed cost base 8 V © 2021 Vroom, All rights reserved.#9transaction summary structure consideration* expected closing management retention *Subject to customary post-closing adjustment ● ● ● Acquisition whereby United Auto Credit Corp. (UACC), and related entities, will become wholly owned by Vroom $300mm cash consideration Expected to close late fourth quarter of 2021 or first quarter of 2022, subject to regulatory approvals and customary closing conditions • Jim Vagim (CEO), Ravi Gandhi (CFO) and their team will oversee auto finance operations 9 V © 2021 Vroom, All rights reserved.#10vroom investment highlights value proposition market business model leadership competitive differentiation path forward acquisition ofuacc Massive and ripe for disruption, supports multiple winners Frictionless ecommerce, data obsessed, national scale Scalable, asset-light, and flexible Experienced and culture builders Difficult to replicate at scale Significant runway for growth and a clear path to profitability Enhanced customer experience, accelerated revenue growth and profitability, expanded market opportunity 10 V 2021 Vroom, All rights reserved.#11thank you! 11 V © 2021 Vroom, All rights reserved.