Vroom Investor Day Presentation Deck

financing channels We are moving from indirect to captive lending and intend to utilize forward flow and securitization transactions for financing flexibility 2018-2021: indirect Partial control Semi-customized vroom Prime Partner Near- Prime Partner Consumer Sub- Prime Partner serving the entire credit spectrum ● 2022: vroom financial services Full control & flexible Superior economics Full credit spectrum Vroom Consumer + UNITED AUTO CREDIT Securitization Warehouse Partners Partners Flow Sale Partners 35 V

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