First Quarter 2025 Earnings Call Thursday, May 8th, 2025 Tim Oliver, President & Chief Executive Officer Andy Wamser, Chief Financial Officer Stuart Mackinnon, Chief Operating Officer 1 FORWARD-LOOKING STATEMENTS This presentation contains "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995 (th ...

M A Y 8 , 2 0 2 5 JASON OMERZA INTRODUCTION 2 S A F E H A R B O R S T A T E M E N T A N D D I S C L O S U R E S All statements other than statements of historical fact contained in this presentation including competitive strengths; business strategy; future financial position or operating results; budgets; projections with respect to revenue, income, earnings (or loss) per share, capital expenditures, dividends, liquidity, capital structure or other financial items; costs; and plans and objectives of manage ...

1Q 25 Earnings Presentation May 8, 2025 Disclaimer FORWARD-LOOKING STATEMENTS This presentation of Dave Inc. ("Dave" or the "Company") includes "forward-looking statements" within the meaning of the "safe harbor" provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by the use of words such as "future," "growth," "opportunity," "well-positioned," "forecasts," "intends," "estimates," "seeks," "targets," "anticipates," "remains," "should," "belie ...

Analyst Call to Review Fiscal 2025 Second Quarter Financial Results May 8, 2025 10:00 a.m. Eastern • 8.1% increase in fiscal 2025 indicated annual dividend to $3.48 per diluted share Q2 Fiscal 2025 Financial Performance Fiscal 2025 Highlights • Financial Performance • Executed Our Regulatory Strategy • Strong Balance Sheet 1. 3.90% effective rate after giving effect to the offering costs and settlement of our interest rate swaps. As of May 7, 2025 Fiscal Q2 2025 Review As of May 7, 2025 Page 2 Page 3 • YTD ...

Fiscal 2025 Second-Quarter 2 Fiscal 2025 Second-Quarter Results Fiscal 2025 Second-Quarter Performance Overview // May 7, 2025 Business Update Forward-Looking Statements and Other Disclaimers This presentation may contain forward-looking statements, including, without limitation, statements about future efficiency and profitability, reduction of salt inventory volumes, cost optimization, Fortress North America wind down, cash flow, deleveraging, competitive advantages, efforts to unlock intrinsic value, the ...

Industry and Market Data Market and industry data and forecasts used in this presentation have been obtained from independent industry sources as well as from research reports prepared for other purposes. We also cite certain information from media and other third-party sources. Although we believe these third-party sources to be reliable, we have not independently verified the data obtained from these sources and we cannot assure you of the accuracy or completeness of the data. Forecasts and other forward- ...

2025 Q1 Earnings May 8, 2025 Forward Looking Statement & Disclosures Except for specific historical information, many of the matters discussed in this presentation may express or imply projections of revenues or expenditures, statements of plans and objectives or future operations or statements of future economic performance. These statements may discuss goals, intentions and expectations as to future trends, plans, events, results of operations or financial condition, or state other information relating to ...

First Quarter Fiscal Year 2025 Results May 8, 2025 Disclaimer Page Cautionary Statements Regarding Forward-Looking Information Statements in this presentation which are not historical in nature are "forward-looking statements" within the meaning of the federal securities laws. These statements often include words such as "believe," "expect," "project," "anticipate," "intend," "plan," "outlook," "estimate," "target," "seek," "will," "may," "would," "should," "could," "forecast," "mission," "strive," "more," ...

First Quarter 2025 Earnings Report Speakers: DAVE GILBOA | Co-Founder & Co-CEO NEIL BLUMENTHAL | Co-Founder & Co-CEO STEVE MILLER | SVP & Chief Financial Officer Speakers: DAVE GILBOA | Co-Founder & Co-CEO NEIL BLUMENTHAL | Co-Founder & Co-CEO STEVE MILLER | SVP & Chief Financial Officer Forward-Looking Statements / Non-GAAP Financial Measures This presentation contains ÿorward-lookinĀ statements within the meaninĀ oÿ Section 27A oÿ the Securities Act oÿ 1933, as amended, and Section 21E oÿ the Securities E ...

Forward Looking Statements Certain statements in this presentation constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are related to forecasts of sales, margins, earnings, earnings per share, effective tax rate, capital expenditures, cash flow, water market growth, acquisition strategy and integration, construction outlook, inflation and management goals and objectives. WATTS WATER TECHNOLOGIES Q1 2025 EARNINGS CONFERENCE CALL M ...