#1ABS Investor Presentation October 2023 OneMain Financial Better Borrowing. Brighter Future.#2Important Information Cautionary Note Regarding Forward-Looking Statements This document contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Statements preceded by, followed by or that otherwise include the words "anticipates," "appears," "assumes," "believes," "can," "continues," "could," "estimates," "expects," "forecasts," "foresees," "goals," "intends," "likely," "objective," "plans," "projects," "target," "trend," "remains," and similar expressions or future or conditional verbs such as "could," "may," "might," "should," "will" or "would" are intended to identify forward-looking statements, but these words are not the exclusive means of identifying forward-looking statements. Forward-looking statements are not statements of historical fact but instead represent only management's current beliefs regarding future events, objectives, goals, projections, strategies, performance, and future plans, and underlying assumptions and other statements related thereto. You should not place undue reliance on these forward-looking statements. By their nature, forward-looking statements are subject to risks, uncertainties, assumptions and other important factors that may cause actual results, performance or achievements to differ materially from those expressed in or implied by such forward-looking statements. Important factors that could cause actual results, performance, or achievements to differ materially from those expressed in or implied by forward-looking statements include, without limitation, the following: adverse changes and volatility in general economic conditions, including the interest rate environment and the financial markets; the sufficiency of our allowance for finance receivable losses; increased levels of unemployment and personal bankruptcies; the current inflationary environment and related trends affecting customers; natural or accidental events such as earthquakes, hurricanes, pandemics, floods or wildfires affecting our customers, collateral, or our facilities; a failure in or breach of our information, operational or security systems or infrastructure or those of third parties, including as a result of cyber-attacks, war or other disruptions; the adequacy of our credit risk scoring models; adverse changes in our ability to attract and retain employees or key executives; increased competition or adverse changes in customer responsiveness to our distribution channels or products; changes in federal, state, or local laws, regulations, or regulatory policies and practices or increased regulatory scrutiny of our business or industry; risks associated with our insurance operations; the costs and effects of any actual or alleged violations of any federal, state, or local laws, rules or regulations; the costs and effects of any fines, penalties, judgments, decrees, orders, inquiries, investigations, subpoenas, or enforcement or other proceedings of any governmental or quasi-governmental agency or authority; our substantial indebtedness and our continued ability to access the capital markets and maintain adequate current sources of funds to satisfy our cash flow requirements; our ability to comply with all of our covenants; the effects of any downgrade of our debt ratings by credit rating agencies; and other risks and uncertainties described in the "Risk Factors" and "Management's Discussion and Analysis" sections of the Company's most recent Form 10-K filed with the SEC and in the Company's other filings with the SEC from time to time. If one or more of these or other risks or uncertainties materialize, or if our underlying assumptions prove to be incorrect, our actual results may vary materially from what we may have expressed or implied by these forward-looking statements. You should specifically consider the factors identified in this document that could cause actual results to differ before making an investment decision to purchase our securities. Furthermore, new risks and uncertainties arise from time to time, and it is impossible for us to predict those events or how they may affect us. Forward looking statements included in this presentation speak only as of the date on which they were made. We undertake no obligation to update or revise any forward-looking statements, whether written or oral, to reflect events or circumstances after the date of this presentation or to reflect the occurrence of unanticipated events or the non-occurrence of anticipated events, whether as a result of new information, future developments or otherwise, except as required by law. Use of Non-GAAP Financial Measures We report the operating results of Consumer and Insurance using the Segment Accounting Basis, which (i) reflects our allocation methodologies for interest expense and operating costs, to reflect the manner in which we assess our business results and (ii) excludes the impact of applying purchase accounting (eliminates premiums/discounts on our finance receivables and long-term debt at acquisition, as well as the amortization/accretion in future periods). Consumer and Insurance adjusted pretax income (loss), Consumer and Insurance adjusted net income (loss), and Consumer and Insurance adjusted earnings (loss) per diluted share are key performance measures used to evaluate the performance of our business. Consumer and Insurance adjusted pretax income (loss) represents income (loss) before income taxes on a Segment Accounting Basis and excludes regulatory settlements, net gain or loss resulting from repurchases and repayments of debt, the expense associated with the cash-settled stock-based awards, and other items and strategic activities, which include direct costs associated with COVID-19 and restructuring charges. We believe these non-GAAP financial measures are useful in assessing the profitability of our segment. Management also uses pretax capital generation and capital generation, non-GAAP financial measures, as a key performance measure of our segment. Pretax capital generation represents Consumer & Insurance adjusted pretax income, as discussed above, and excludes the change in our Consumer & Insurance allowance for finance receivable losses in the period while still considering the Consumer & Insurance net charge-offs during the period. Capital generation represents the after-tax effect of pretax capital generation. Management believes that these non-GAAP measures are useful in assessing the capital created in the period impacting the overall capital adequacy of the Company. Management believes that the Company's reserves, combined with its equity, represent the Company's loss absorption capacity. Management utilizes these non-GAAP measures in evaluating our performance. Additionally, these non-GAAP measures are consistent with the performance goals established in OMH's executive compensation program. These non-GAAP financial measures should be considered supplemental to, but not as a substitute for or superior to, income (loss) before income taxes, net income, or other measures of financial performance prepared in accordance with GAAP. OneMain Financial. 2#3Agenda 1 Company Overview 4 2 Underwriting & Servicing 15 3 ABS Overview 20 4 OneMain Impact 38 5 Data Supplement 41 OneMain Financial. 3#4Company Overview OneMain Financial Better Borrowing. Brighter Future.#51 2 Key Takeaways We have unique competitive advantages to serve the nonprime customer, including a 100+ year history, capital, scale and a nationwide branch network Our business is specifically designed to provide responsible lending solutions to a large and often underserved market 3 Our hybrid operating model is stable, resilient and cycle-tested, generating significant cash flow 4 We are continuously enhancing our core business with technology and analytics capabilities 5 Our responsible lending practices, state-licensed model and culture of compliance are core to our business model 6 We remain vigilant and proactive in the protection of our portfolio 7 New diverse revenue streams; investing in new products and distribution channels OneMain Financial. 5#6Differentiated business model Meet OneMain Largest nonprime installment lender uniquely positioned • Our vision is to be the lender of choice for the nonprime consumer, solving their current needs while enabling progress toward a better future Hybrid operating model, including leading digital capabilities and national branch network rooted in local communities ⚫ Diverse product suite of unsecured and secured loans, as well as credit card and other optional products' • Unparalleled understanding of target customer from proprietary experience and data • 100+ years operating history coupled with leading data and analytics, AI, and machine learning support strong loss performance ос OC о Competitive Advantages >19MM Customers Served² >$192B Cumulative Originations² -80% Of New Customer Applications Begin Online -50% More predictable, lower loss return customers ~45% Of Loans Closed Digitally We serve hardworking Americans with a financial need Note: Data as of June 30, 2023, unless otherwise noted. *As of June 30, 2023. See 2Q2023 earnings presentation appendix and earnings release for Non-GAAP Financial Measures reconciliations along with defined terms. 1. OneMain offers credit insurance products, term life insurance, income protection products, and membership plans. OneMain Financial. 2. 2006 to 2Q2023. $8.4B $ Unencumbered $ Loans* $7.4B Committed Bank Capacity $21.4B C&I Managed Receivables* 6#7We operate nationally, with a local focus OneMain Financial. Minneapolis, MN Central Underwriting Tempe, AZ Collections, Sales, Underwriting Fort Worth, TX Insurance 7th Largest branch network. (including banks)1 Evansville, IN Special Servicing London, KY Collections, Recovery Fort Mill, SC Collections, Sales Unique combination of local relationships with centralized servicing and underwriting capabilities allow for market-leading servicing and capacity flexibility e.g. for natural disasters Deep branch network supported by digital capabilities 14 Years average branch manager experience ~1,400 branches and six central operations centers across 44 states Note: Branch map as of April 2022. 1. When compared to U.S. banks. Source: Federal Reserve Statistical Release as of June 30, 2023. 7#8We provide responsible, affordable and transparent lending OneMain's mission is to improve the financial well-being of hardworking Americans by offering responsible transparent financial products Affordability Payments that fit each unique situation and borrower OneMain Financial. Transparency Straightforward products with transparency on terms, pricing and interest rate, monthly payment schedule and total cost Consultation Personalized service through ~1,400 branches or our suite of full digital capabilities Debt consolidation often simplifies consumer's finances Customer Care • Pressure free approach with fair treatment Education Resources to help customers better manage personal finances and improve financial literacy 8#9Our customers are hardworking Americans. Customer Attributes¹ Use of Loan Proceeds² ~10 YEARS In same residence ~40% Homeowners $65,000 - $70,000 Annual gross income -50% Same job for 5+ years Employed in stable industries Top 5 industries2: • Healthcare & Social Services Manufacturing Education Transportation & Warehousing Government and Public Administration ~90% Have checking account² OneMain Financial. Note: Use of loan proceeds figures may not sum due to rounding. 1. Source: Internal portfolio data as of June 30, 2023. 2. OneMain Financial New Customer Satisfaction Survey, based on 2Q2023 originations. Other 11% Family related 12% 11% Home repair 12% 18% Auto related Debt consolidation 36% Unexpected household expenses -90% Customer satisfaction² Same or next day Customer receive funds 9#10Our products address our customers' needs Key Stats: Unsecured loan Secured loan >10-year auto age Direct Auto ≤10-year auto age¹ Additional Products Avg. Loan Size ~$8k ~$12k ~$17k Avg. APR -28% -26% -22% Brightway+Ⓡ and BrightwayⓇ credit cards² Credit Life, Disability, Involuntary Unemployment Insurance Avg. Credit Score 641 612 622 Home & auto membership Normalized Net Loss 8-10% 4-6% 2-3% Term life % of Originations OneMain Financial. 50% 26% 24% Note: Data as of December 31, 2022 unless otherwise noted. 1. ODART securitizations prior to ODART 2021-1 were only loans collateralized by 0-8-year-old titled vehicles. 2. BrightWay® is a registered trademark of OneMain Financial Holdings, LLC. The BrightWay® credit card is issued by WebBank. TRIM by OneMain 10#11Our Future Vision is to Deepen & Broaden Customer Relationships OneMain Financial. Meet the needs of today Lending products Unsecured Loans Financial Wellness Secured Loans Credit Card Auto Loans Omnichannel Distribution and Servicing Hybrid Card/Loan Insurance OneMain Customers Bill Negotiation Credit Builder/ Secured Card Progress to a better future Products & Services that increase engagement, build loyalty & provide access to proprietary data Proprietary Data Expanded Channels/Partnerships 11#12Targeted & Disciplined BrightWay® Credit Card Rollout ~230 thousand Credit Cards up ~70 thousand QoQ $159 million Receivables up $37 million QoQ 85%+ payments Made in the app 4.5+ stars App store ratings 9:41 Rewards ฟร Top spending categories ✓ ✓ Restaurants Great job! You turned your payments into progress. Now that you've made 6 consecutive on-time payments you are eligible to redeem a reward. Claim reward On-time payments Make 6 consecutive on-time payments, and earn a milestone reward! 6 on-time payments Graduation Upgrade to the no annual fee BrightWay+ card 3 of 4 milestones completed Retail stores Cashback 1% cashback on all eligible purchases earned last statement $5.43 total earned last statement Gas stations Your Card OneMain Financial. ✿. Help о OneMain Financial BrightWay Main Financial ightWay+ Rewarding milestones, great digital experience Note: Data as of June 30, 2023. BrightWay® is a registered trademark of OneMain Financial Holdings, LLC. The BrightWay® credit card is issued by WebBank. 12#13Continued Focus on Strengthening Balance Sheet Net Leverage* Improved Profile 2016 2Q23 Higher Ratings & Lower Cost of Funds 2016 2Q23 7.7x1 5.5x ABS top tranche A+ AAA Total Bank Capacity2 $5B $7.4B Interest Expense* 5.5%3 4.8% Unencumbered loans* $4B $8.4B Corporate Bond (S&P/Moody's) B/B3 BB / Ba2 Secured debt WA bond maturity4 3.4 yrs 3.3 yrs 58% 55% *See 2Q2023 earnings presentation appendix and earnings release for Non-GAAP Financial Measures reconciliations along with defined terms. 1. See November 16, 2020 Company Overview presentation appendix for Non-GAAP Financial Measures reconciliations along with a glossary of select calculations. 2. 2Q23 includes $1.25B Unsecured Corporate Revolver. OneMain Financial. 3. See 4Q2016 earnings presentation. 4. Reflects portfolio average maturity at point in time, excluding junior subordinated bond due 2067. 13#14Strong compliance culture & controls. Seasoned regulatory and compliance teams and strong culture consistent with legacy bank ownership 3 Lines of defense ~5,700 branch team members responsible for day-to-day risk mitigation through: - Identification of operational risk Establishing compliance culture Legal, Risk, HR, Finance and Compliance Establish standards and provide guidance for risk management and controls Ensure clear, accurate documentation of policies and procedures Oversees ~500 external state regulatory audits and ~700 internal branch audits annually Business Compliance Alerts Senior Management and Board to emerging risks Internal Audit Using Board-approved plan, conducts audits to confirm reliability and governance/controls framework is effective Reports directly to Audit Committee OneMain Financial. Audit 14#15Underwriting & Servicing OneMain Financial Better Borrowing. Brighter Future.#16How we make and service loans D 1. Marketing Customer Need Application Underwriting Conditional Approval $ Ability-to-pay $ Loan Disbursed Loan Servicing OneMain Financial. Note: exceptions may apply. Direct-mail, credit aggregators, email, partnerships and web searches Customer has liquidity need (e.g. unexpected repair bill) and/or an interest in consolidating debt to simplify their finances or reduce number of monthly debt payments Begin online (~80% of new customer apps), over the phone or in person at one of OneMain's ~1,400 branches Centralized underwriting model with 2,500+ attributes utilizes our decades of through-the-cycle data and sophisticated analytics to return a credit grade Approved applicants provide a list of necessary documentation Ability-to-pay analysis and income and identity verification is foundation to borrower credit assessment and appropriate product match Customer receives funds as soon as same day (most frequently overnight ACH) Most servicing in-house and on-shore; loan is serviced in branch; typically 60+ DQ shifted to specialized central servicing 16#17Proprietary data, decisioning & Al models deliver superior underwriting Underwriting and credit advantages... Proprietary Scoring • Diverse data sources •Models enhanced with third party data •Decades of history •Manual review of credit bureau information Al Techniques Evaluated •Gradient-boosted models •Random forest •Logistic regression Ability-to-Pay •Determined using verified sources of income •Put customers in loan they can afford Collateral/ Verification •Identity/Employment /Income •Collateral inspection ...Drives Superior Loss Performance 2022 Net Charge-offs 12.6% 6.1% 5.0% 6.1% 1.8% 0.3% Tier 1 Tier 2 Prime Non-Prime • Transfer of title perfected-99% of the time OneMain (C&I)* Market Place Lenders¹ Auto Lenders² Consumer finance banks³ *See 4Q2022 earnings presentation appendix and earnings release for Non-GAAP Financial Measures reconciliations along with defined terms. 1. KBRA Tier 1 and Tier 2 Consumer Loan Index. OneMain Financial. 2. KBRA Prime and Nonprime Auto Loan Index. 3. Includes Ally, Capital One, Discover, Sallie Mae, and Synchrony. 17#18Extensive servicing resources Branch Current Days Past Due People & places Roles & responsibilities Delinquency Timeline Centralized 1 payment past due 1-29 2 payments past due 30-59 3-6 payments past due 60-179 Charge-off Recovery 180+ # of locations # of team members Initial contact Branch/RCC ~1,400 ~5,700 Underwriting/decisioning Verification & loan closing Central Operations Impact 6 -1,800 High-touch customer engagement Superior credit performance Servicing/collections Early-stage delinquency Late-stage delinquency, charge-off and recovery Local relationships Higher customer life-time value Vast majority of servicing is done in-house¹, on-shore; critical to controlling servicing capacity during economic downturn. We can double collections capacity by shifting 1,000+ team members within a very short time frame. Note: Data as of June 30, 2023. OneMain Financial. 1. Does not include credit card or point of sale. Utilize service and collections vendors to augment central staffing. 18#19Strong performance of repeat customers informs business strategy Only performing customers eligible for renewals Repeat borrowers re-underwritten Strong payment track record with OneMain may qualify customer for larger loan Income re-verified¹ 10% Collateral re-inspected Repeat customers outperform new customers² Affordability re-evaluated 9% 8% 7% 6% 5% 4% 3% 2% 1% 0% 0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30 32 32 2019 New Customers 2019 Present and Former Customers Note: Rare exceptions may apply; Portfolio renewal data as of June 30, 2023. 1. Stated income with employment verification may be used in certain limited circumstances. OneMain Financial. 2. Represents gross charge-off for 2019 originations. 34 44 36 36 38 40 40 42 42 Improved performance 19#20ABS Overview OneMain Financial Better Borrowing. Brighter Future.#21OneMain ABS superior relative value Long Operating History Seasoned Programs Program Liquidity Conservative Rating Assumptions Additional Enhancement Trusts Backed in whole/part by Secured Loans Prime Performance from Auto Shelf First AAA CL Program 3 Revolving Period Rapid Deleveraging 100+ years in business Seasoned programs with 37 issuances for ~$27B Consistent collateral performance across issuances Numerous dealers offer liquidity across all tranches Rating Agency pre-stress base case loss assumptions similar to our stressed 2008-2009 performance Structuring to worst case pool in revolving deals provides additional enhancement vs. actual pool Consumer loan asset class often characterized as "subprime unsecured", while ~50% of our portfolio is prime/near-prime and more than half is auto secured¹ Prime-like performance from nonprime collateral in the ODART shelf Income verification and ability-to-pay underwriting major differentiator vs. dealer-sold indirect subprime auto We created the Consumer Loan asset class in 2013 First Consumer Loan ABS program to receive 'AAA' from S&P Recent deals EU/UK2 Risk Retention compliant Top-up deals monthly with fresh collateral to account for customer paydowns/payoffs/charge-offs This feature mitigates losses during revolving period Rapid deleveraging through fixed dollar overcollateralization once amortization begins AAAs have <1.0yr WAL in amortization OneMain Financial. 1. As of June 30, 2023. 2. Article 6(3)(d) retention/No Article 7 compliance. 21#22Revolving structure more favorable for investors Revolving transactions provide performance stability during economic downturn Amortizing Revolving • Fixed collateral pool No ability to replenish pool with higher quality collateral Naturally less CE due to rating agency assumptions based on actual collateral pool Less relative spread with immediately amortizing structure and shorter WAL • Flexibility to Manage Transactions Monthly top-ups provide ability to manage collateral pool quality1 2 Credit Enhancement • Spread • More CE due to rating agency assumptions based on the worst-case pool (actual pools far better) More relative spread with longer WALS and more curve 4 • • Bonds can support less stress for shorter durations Performance During Economic Downturn Bonds can support more stress for longer durations • Losses could go up ~300% 5 due to structurally less CE and still not break OMFIT 2023-2 Class D The revolving nature of our deals provides investors with protection and acts as a mitigant to consumer credit concerns During the revolving period, we top up our deals with collateral every month to account for charge-offs, prepayments, and maturing loans; amortizing structures have a fixed collateral pool and cannot replenish pool with higher quality collateral, if needed Revolving structures provide more credit enhancement due to rating agency assumptions based on a worst-case pool; less for amortizing due to rating agency assumptions being based on actual collateral pool OneMain bonds can withstand much more stress; losses could go up -300% and not break Class D bonds; amortizing bonds cannot support as much stress due to less credit enhancement in structure ODART performs like a prime asset class with 2-3% losses even though the collateral is nonprime. OneMain always careful in selecting collateral that has consistent long-term performance OneMain Financial. Revolving structure provides superior relative value compared to amortizing structures 1. Subject to certain eligibility and reinvestment criteria in the related transaction. 22 22#23ABS Funding Funding & Collateral Liquidity/ Conduits Personal Loan ABS Program ("OMFIT") Direct Auto ABS Program ("ODART") As of June 30, 2023, OneMain had principal debt balances of ~$19.5 billion, ~55% of which was secured Balanced mix of ABS, corporate bonds and whole loan sales provides flexibility in changing market conditions Revolving ABS provides fixed rate prefunding for future originations¹ Significant unencumbered loans* ($8.4B at 2Q23) which provide additional flexibility Significant forward liquidity runway 15 diverse conduit banks with multi-year commitments and no financial covenants or MACS Committed capacity provides long liquidity runway in case of protracted capital market dislocation $7.4B total bank capacity as of June 30, 2023 29 Personal Loan securitizations since 2013² . • OMF created the Consumer Loan asset class in 2013, with consistent performance since First AAA in asset class Backed by a mix of both secured and unsecured loans (vs. unsecured marketplace lenders) Transactions feature a 2, 3, 5 or 7-year revolving structure, given fast payment rates of underlying assets 8 Direct Auto securitizations since 20163 • • • Direct Auto has higher loan yields, shorter terms and much lower losses vs. typical Indirect (dealer-originated) nonprime auto Amortizing, 1, 2, 3 and 5-year revolving periods to date Major credit differentiators include ability-to-pay underwriting, income verification and evaluation of performance with existing auto lenders Perfected first priority security interest on all collateral pre- closing OneMain Financial. *See 2Q2023 earnings presentation appendix and earnings release for Non-GAAP Financial Measures reconciliations along with defined terms. 1. With the exception of floating rate tranche in OMFIT 2017-1, OMFIT 2021-1, ODART 2022-1 and OMFIT 2023-2. 2. As of September 30, 2023, Includes SLFT securitizations. 3. As of June 30, 2023. 223#24Investor Friendly Resources Current Pool Information Monthly Servicer Reports Click to View Notes Table Loan Principal Balance WAC WART OMFIT 2023-2 PPM Click to view 1,566,063,334 24.69% 48 -- Select PDF --- - Select XLSX --- Best in class investor transparency • Quick reference landing page • Pool balances Key metrics Tranche balances Transaction • Credit enhancement • . Most recently added Post-Close Amendments Summary with respect to revolving deals Full monthly servicer report history (exportable through Excel) Private Placement Memorandums • Latest ABS investor presentation OMFIT 2023-1 PPM Click to view 920,306,234 24.89% 46 -- Select PDF --- -- Select XLSX --- OMFIT 2022-3-PPM Click to view 1,090,391,860 24.65% 45 -- Select PDF --- -- Select XLSX --- Credit Enhancement Class of Notes Initial Note Balance Current Balance Interest Rate Maturity Date CUSIP Initial Current A-1 540,000,000.00 540,000,000.00 5.84% 9/15/2036 68269HAA3 36.45% 36.45% A-2 462,230,000.00 462,230,000.00 SOFR + 1.50% 9/15/2036 68269HAE5 36.45% 36.45% B 148,770,000.00 C 95,530,000.00 D 153,470,000.00 148,770,000.00 95,530,000.00 153,470,000.00 6.17% 9/15/2036 68269HAB1 26.95% 26.95% 6.74% 9/15/2036 7.52% 9/15/2036 68269HAC9 68269HAD7 20.85% 20.85% 11.05% 11.05% Trust data summaries to simplify surveillance Date of Issue: 8/22/2023 Lead Underwriters: Citigroup, Deutsche Bank Securities, Goldman Sachs & Co. End of Revolving Period: 8/31/2026 Servicer: OneMain Finance Corporation Indenture Trustee: HSBC Bank USA, N.A. LLC, NatWest Markets, Societe Generale, TD Securities • Historical capital structures Co-Managers: Academy Securities http://investor.onemainfinancial.com Asset-Backed Securities OneMain Financial. Note: For investor reporting inquiries please email us at [email protected]. 24 24#25Secured & Unsecured Personal Loans "OMFIT" Program OneMain Financial Better Borrowing. Brighter Future.#26U.S. Consumer Loan ABS ✓ We created Consumer Loan ABS asset class in 2013 ✓ Asset class has turned from esoteric class to ~$21B2 issuance per year with many issuers and a liquid secondary supply ✓ Issuer of 29 ABS transactions3 ✓ Top tranche rating of AAA ✓ Programmatic issuance of 2, 3, 5, 7-year revolving transactions 2015 | $5.7B OneMain 48% 2017 | $12.5B OneMain 13% Springleaf 26% Issuance ($B) 286420 80 6420 18 16 14 12 10 Consumer Loan ABS new issue supply (2013-2023)1 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 YTD 2019 | $14.0B OneMain 17% Issuance ($B) # of Deals 2021 | $18.0B OneMain 5% OneMain Financial. Major differences in business model, underwriting, servicing across CL issuers 1. Source: RBC Capital Markets. Data as of September 8, 2023. 2. $21B figure represents annualized September 8, 2023 $15B market. 3. As of September 30, 2023, includes SLFT securitizations. 60 10 2543220 # of Deals 2023-YTD $15.0B OneMain 13% 26 26#27Personal loan cumulative net loss • OneMain vintage CNL performance well below worst Financial Crisis vintage (2008) • All vintages a fraction of lowest tranche class D rating agency (BBB-) 30.3% first dollar loss stress¹ OMFIT 2023-2 AAA bond would require cumulative net losses to exceed ~50% for any principal loss 35.0% 30.0% OneMain combined PL annual vintage cumulative net loss² OMFIT 2023-2 Rating Agency Class D 'BBB-' Curve³ 25.0% 20.0% 15.0% 10.0% 5.0% 0.2% 7.6% 7.6% 2008 Vintage 9.1% 0.0% 0 3 6 9 12 15 18 21 24 27 30 33 36 39 42 45 48 51 54 2008 2015 2016 2017 2018 2019 2020 2021 2022 S&P Curve OneMain Financial. 1. Source: Internal Company Analysis. 2. Combined annual "OMH" Personal Loan (Unsecured and Secured Personal) Cumulative Net Loss; Legacy OneMain "OMFH" reflects Gross Loss until system conversion (1Q2017). 3. Ending CNL after recoveries of 29.1%. 30.3% 15.8% 11.5% 10.2% 11.5% 11.0% 40 57 60 27#28OMF CL ABS performance vs. FinTech/MPL • Deeper ability-to-pay underwriting vs. instant decision algorithms, with income, identity and employment verification Loss performance comparable to prime borrowers and significantly better than nonprime competitors OMFIT performance bolstered by secured collateral composition (~40% secured in OMFIT 2023-2) 20.0% 15.0% 10.0% 5.0% KBRA Marketplace index: annualized net loss rates¹ 16.6% 8.4% 8.1% 0.0% Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Tier 1 Tier 2 OneMain Personal Loans OneMain Financial. 1. KBRA Tier 1 and Tier 2 Consumer Loan Index. 28#29Consumer Loan ABS comps OneMain's focus on underwriting, secured lending, lower-loss repeat customers, and high-impact servicing are key differentiators Prime MARLETTE Branch Based Lender Nonprime OneMain Financial. OPORTUN Lendmark MARINER Better Borrowing, Brighter Future. Financial Services OMFIT OPTN 2023-2 2022-3 LFT 2023-1 FINANCE MFIT 2022-A REGIONAL MANAGEMENT RMIT 2022-2B L AVANT AVNT 2022-REV1 LENDINGPOINT. SoFi FUNDING LDPT SCLP 2022-C 2023-1S MFT 2023-3 Collateral Characteristics Avg. Loan Bal $8,193 $4,239 $6,215 $5,135 $4,322 $3,715 $10,730 $19,781 $18,788 WA APR/WAC 24.6% 29.5% 26.2% 25.7% 30.8% 25.1% 20.8% 11.2% 2 15.9% WA Origination FICO 634 6443 6244 641 648 645 672 753 722 WA Orig Term (months) 57 36 51 45 46 37 56 57 51 WA Rem Term (months) 49 37 48 40 40 25 53 36 50 Secured % 40.0% 4.4% 54.1% 35.8% 8.5% 0.0% 0.0% 0.0% 1.4% Original Term5 0-36 37-48 3.1% 33.8% 15.9% 23.7% 30.7% 78.0% 11.3% 18.3% 31.8% 10.4% 44.5% 38.7% 49.7% 34.2% 22.2% 14.7% 21.6% 11.7% 61+ 49-60 Bond Statistics Total Bonds Sold ($mm) Senior Bond Rating (S&P / KBRA) 85.2% 21.1% 45.3% 24.8% 35.1% 15.2% 68.0% 40.5% 55.1% 1.3% 0.7% 0.1% 1.8% 0.0% 0.0% 6.0% 19.6% 1.4% $1,400 AAA / AAA $269 AA (L) 6 $350 $266 $184 $200 $295 $340 $359 6 AAA / AAA AAA / AAA 6 AAA / AAA Senior Bond Hard Credit Enhancement 36.5% Senior Bond Spread (bps / Yield) Senior Bond WAL +142 / 6.0% 37.5% +300/7.6% 3.57 0.61 47.9% +185/5.7% 2.41 48.0% +260 / 6.9% 2.61 44.7% +275/7.2% 2.48 NR / AA- 46.4% +195/6.6% 1.88 NR / AA- AAA / AAA NR / AAA 41.8% +265 / 6.6% 0.78 23.1% +90 / 5.9% 55.8% +120 / 6.6% 0.77 0.79 RA Loss Assumption S&P Moody's 11.8% 17.5% 20.8% 14.7% 3.4% -- -- DBRS Kroll KBRA Loss Cum./Ann. 10.5% 5.9% -7.9% 11.2% 9.9% 9.7% Annualized Cumulative Annualized 10.1% -12.1% Cumulative 14.75% 16.75% Annualized Cumulative 1. Represents APR. 2. After ACH interest rate discount for borrowers who elect to pay via ACH. 3. Represents Vantage Scores. OneMain Financial. 4. Represents Beacon Scores. 5. Numbers may not sum to 100% due to rounding. 6. DBRS Ratings. 12.6% 14.6% Cumulative 4.63% 4.35% -6.35% Cumulative 10.25% 12.25% Cumulative 29 29#30OMFIT 2023-2 overview Capital Structure¹ Class A $1,002,230,000 64.00% • • • • • • OMFIT 2023-2 represents the 21st transaction from the OMFIT shelf since the program's inception in 2014 Compliant with US Risk Retention and EU/UK² Risk Retention requirements The Notes are issued from a discrete trust with a 3-year revolving period Subject to eligibility criteria and concentration limits All Notes, with the exception of the A-2 Note, will be fixed rate Notes. The Class A-2 Notes will be floating rate SOFR Notes The Notes may be optionally called by the Issuer on or after the Payment Date occurring in September 2026 at a redemption price equal to 101% of the Aggregate Note Balance plus accrued interest, coinciding with the end of the revolving period August 31, 2026 If optional redemption not exercised, the Notes will amortize sequentially Credit enhancement will consist of subordinated Notes, overcollateralization, a cash reserve account and excess spread Total Hard Credit Enhancement (% of Collateral): Class A: 36.45% Class B: 26.95% Class B $148,770,000 9.50% Class C $95,530,000 6.10% Class D $153,470,000 9.80% Initial OC $166,010,733 10.60% Reserve Account $7,000,000 0.50%³ • OneMain Financial. 1. Shown as a percentage of total collateral balance. 2. Article 6(3)(d) retention/No Article 7 compliance. 3. Percent of initial note balance. - Class C: 20.85% - - Class D: 11.05% In addition, initial excess spread for the transaction is estimated to be 14.25% per annum 30#31Direct Auto Loans "ODART" Program OneMain Financial Better Borrowing. Brighter Future.#32Unique direct-to-consumer auto product Direct Auto product is an extension of our successful Secured Personal Loan product, offering borrowers a lower rate, larger loan option Product type² New Borrowing on Free & Clear Car 19% . . Auto secured loans tend to be top of customer payment hierarchy Direct Auto must pass standard OneMain ability-to-repay underwriting as well as traditional auto underwriting ~$21.0B in originations since June 20141 • Payment history with former lender is an important underwriting consideration / loss predictor OneMain Financial. 1. Represents total Direct Auto originations for OneMain Holdings, Inc. as of June 30, 2023. 2. Represents total Direct Auto originations for OneMain Holdings, Inc. LTM as of June 30, 2023. Cash Out Refinance 74% Purpose Interest Rate Underwriting Verification Closing Vehicle Purchase 7% Direct Auto Predominantly cash-out refinance Interest rate set centrally (no branch input) Ability to pay underwriting Income verified Loan closes directly with borrower 32#33Secured lending performance driven by frequency of default 15% 10% 5% 0% 2019 Cumulative unit loss %1 "Frequency" of loss is primary driver of our materially stronger secured loan loss performance Lower unit defaults reflect borrowers' need of their vehicles to live/work and therefore their prioritization of their car payments Better recoveries for secured vs. unsecured ("severity") helpful, but not main loss driver о 369 12 15 18 21 24 27 30 33 36 Unsecured Personal Secured Personal Direct Auto 20% 2019 Cumulative net charge-off¹ 15% 10% 5% 0% 0 369 12 15 18 21 24 27 30 33 36 Unsecured Personal Secured Personal Direct Auto OneMain Financial. 1. OneMain Direct Auto: Vehicles 0-10 years old only. 2. Represents annualized losses based on 2022 vehicle proceeds. Secured loss sensitivity to used car values 1,2 20 bps higher Direct Auto and 10 bps higher Secured PL losses with 25% stress on our actual 2022 car recovery values 1.9% 2.1% 2.3% 2022 6.0% 6.1% 6.2% 2022 Direct Auto NCO ■Direct Auto NCO w/ 25% sales value drop ■Direct Auto NCO w/ 50% sales value drop ■Secured Personal NCO ■Secured Personal NCO w/ 25% sales value drop ■Secured Personal NCO w/ 50% sales value drop 33#34Direct Auto cumulative net loss performance • OneMain performance highly consistent across vintages All vintages substantially below lowest tranche class D rating agency (BBB) 14.9% stress first dollar loss scenario¹ ODART AAA would require cumulative gross loss to exceed -60% for any principal loss 16.0% 14.0% 12.0% 10.0% 8.0% 6.0% 4.0% 2.0% 0.09% OneMain Direct Auto cumulative net less 2,3 ODART 2023-1 Rating Agency Class D CNL Curve 2.0% 1.7% 14.9% 3.2% 3.0% 2.4% 2.8% 0.0% 0 3 6 9 12 15 18 21 24 27 30 33 36 39 42 45 48 2016 2017 2018 2019 2020 2021 2022 S&P Curve 1. Source: Internal Company Analysis. 2. OneMain Direct Auto: Vehicles 0-10 years old only. OneMain Financial. 3. Combined annual "OMH" Direct Auto Cumulative Net Loss; Legacy OneMain "OMFH" reflects Gross Loss until system conversion (1Q2017). 34#35OneMain Direct Auto vs other auto issuers • Significant percentage of lower-loss, returning customers and no dependencies on dealer sourced data accuracy • Robust customer relationships, ability to pay underwriting, income verified and centrally-set interest rates 12.0% 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% Jun-15 Jun-16 OneMain Financial. Jun-17 -Subprime 1. OneMain Direct Auto: Vehicles 0-10 years old only. S&P Index: annualized net loss rates 1,2 6.9% 6.0% 2.9%3 0.5% Jun-18 Jun-19 Jun-20 Jun-21 Jun-22 Jun-23 Subprime Modified (ex. Deep Subprime) Prime OneMain Direct Auto 2. Source: S&P U.S Auto Loan ABS Tracker: August 2023 Performance. 3. Represents OneMain Direct Auto annualized net loss rate as of 6/30/23. 55 35#36U.S. nonprime auto industry comps OneMain Financial. Better Borrowing. Brighter Future. World Omni Financial Corp. ODART 2023-1 WOSAT 2023-A Santander CONSUMER USA Investors Financial Services Celebrating 27 Years In Business FLAGSHIP CREDIT ACCEPTANCE Santander CONSUMER USA CARVANA Exeter CRVNA 2023-N3 EART 2023-4 DRIVE 2021-3 FIAOT 2022-2 FCAT 2023-3 SDART 2023-4 Origination Channel Direct 100.0% 0.0% 100.0% 0.0% 0.0% 69.7% 19.6% 0.0% Indirect 0.0% 100.0% 0.0% 100.0% 100.0% 30.3% 80.4% 100.0% Collateral Characteristics Loan Bal $15,520 $24,793 $24,052 $19,781 $23,262 $21,225 $25,853 $27,211 WA APR/WAC 22.3% 9.2% 22.0% 21.8% 18.3% 13.5% 20.7% 17.7% WA FICO 623 651 574 577 575 592 588 WA LTV1 129.0% -- 101.8% 113.4% 109.7% 113.8% 119.5% 605 107.8% WA Orig Term (months) 58 74 72 73 71 71 71 72 RA CNL Assumption S&P Moody's Fitch 6.00% DBRS 4.0% Kroll 2.13% 4.13% 15.2% 12.75% 14.75% 5.69% 6.25% 18.25% 9.25% 9.75% 12.5% 17.00% 22.00% 20.00% 22.0% 18.25% 10.5% 8.6% -9.1% 9.3% -11.3% 15.00% OneMain Financial. 1. OneMain uses more conservative wholesale Blackbook Clean trade in value (not retail value; does not include additions). 36#37ODART 2023-1 overview Capital Structure Class A $544,190,000 68.75% Class B $96,570,000 12.20% • • ODART 2023-1 represents the 8th transaction from the ODART shelf since the program's inception in 2016 Compliant with US Risk Retention and EU/UK¹ Risk Retention requirements • The Notes are issued from a discrete trust with a 3-year revolving period • • Subject to eligibility criteria and concentration limits The Notes are subject to clean-up call at 20% of the initial note principal balance If clean-up call is not exercised, the Notes will continue to amortize sequentially Credit enhancement will consist of subordinated Notes, overcollateralization, a cash reserve account and excess spread Total Hard Credit Enhancement (% of Assets): Class A: 31.75% Class B: 19.55% Class C $59,760,000 7.55% Class D $49,480,000 6.25% Class C: 12.00% Initial OC $41,562,981 5.25% - Class D: 5.75% Reserve Account $3,957,815 0.50% OneMain Financial. 1. Article 6(3)(d) retention/No Article 7 compliance. In addition, initial excess spread for the transaction is estimated to be 13.67% per annum 37#38OneMain Impact OneMain Financial Better Borrowing. Brighter Future.#39We are committed to our customers & communities Our approach is guided by our three priorities: Building trust and strong relationships with our stakeholders Providing responsible lending solutions with affordable rates and ability-to-pay underwriting Contributing to our communities through education, financial wellness and volunteerism .० $ Issued first-of-its kind Social Bond: about a quarter of our customers live in credit disadvantaged counties, as defined by NY Fed. Issued Social ABS collateralized by customers residing in rural communities¹ $ Credit Worthy by OneMain Financial distributed free, digital financial education to over 2,500 high schools, reaching over 140,000 students nationwide in the first year of the program $50 million dollar commitment to support minority depository institutions (MDIs) and military veterans through J.P. Morgan's Empower and Academy money market share class SUSTAINALYTICS ESG INDUSTRY TOP RATED Named as a Morningstar Sustainalytics ESG Industry Top Rated Company in 2023 Focused on diversity, with 67% female team members and 37% team members who are racially and ethnically diverse. This diversity is also reflected in our Board of Directors (50% of directors diverse by race and ethnicity and 25% diverse by gender)2 AMERICA'S Certified a "Most Loved WorkplaceⓇ" by the Best Practice Institute MOST LOVED WORKPLACES Newsweek OneMain Financial. Best Practicette Approximately 71% of our customers are enrolled in paperless billing as of June 2023 Formalized our Board's oversight of ESG policies and practices and formed the ESG Leadership Council, which consists of a diverse group of five senior executives that coordinate internal resources and report to the Board on relevant ESG topics 1. For more information regarding the eligible loans and related criteria please review the OneMain Social Bond Framework and OneMain ABS Social Bond Framework at investor.onemainfinancial.com. 2. As of June 30, 2023. 39#40OneMain Social Bond & Social ABS Overview Offering Terms Issued $750MM Social Bond in 2021... first by a U.S.-based High Yield issuer $750MM bond with 2027 maturity at 3.50% coupon Issued in 2Q21 Issued $600MM 3-year Revolving Social ABS in 2022... first Social ABS by a U.S.-based issuer • • $600MM 3-year revolving Social ABS at 4.30% coupon Issued in 2Q22 Use of Proceeds¹ • Proceeds financing a portfolio of OMF loans made to customers residing in counties identified as 'Credit Insecure' or 'Credit-At-Risk' by the Federal Reserve Bank of New York Furthermore, at least 75% of such eligible loans determined to be from racial minorities and/or female • • Proceeds acquire a portfolio of OMF loans with customers residing in rural communities as identified by Claritas PRIZM Premier methodology's urbanicity model Furthermore, at least 75% of such loan portfolio consists of loans made to borrowers who have annual net incomes that are less than or equal to $50,000 Underwriters Long-standing D&I broker partners Academy Securities, Ramirez, Seelaus and Siebert Williams served prominent roles • Long-standing D&I broker partners Academy Securities and Seelaus served prominent roles Second Party Opinion S&P Global Ratings provided a Framework Alignment Opinion confirming our Framework aligns with ICMA's Social Bond Principles (2020) OneMain Financial. • S&P Global Ratings provided a Second Party Opinion confirming our Framework aligns with ICMA's Social Bond Principles (2021) 1. For more information regarding the eligible loans and related criteria please review the OneMain Social Bond Framework and OneMain ABS Social Bond Framework at investor.onemain financial.com. 40#41Data Supplement OneMain Financial Better Borrowing. Brighter Future.#42Borrower assistance programs Deferment Re-age Modification OneMain Financial. Description % of LTM Units¹ • Allows customer to remain current with partial payment; resolves a short-term cash flow issue 2.7% . • Provides relief to customer for ongoing cash flow challenges; could involve adjustment to loan terms. 0.6% Loan brought current after customer demonstrates consistency of payments after prior cash flow challenge 1. Average monthly utilization of borrower assistance over the last twelve months for all OneMain Holdings, Inc. as of June 30, 2023. 0.2% 42#43OMFIT Key Performance Metrics 3 Month Net Annualized Loss¹ 60+ Delinquency 6.0% 14.0% 12.0% 5.0% 10.0% 4.0% 8.0% 3.0% 6.0% 2.0% 4.0% 1.0% 2.0% 0.0% 0.0% T 2019-1 2016-3 2019-2 2017-1 2020-1 1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58 61 64 67 70 73 76 79 82 2015-3 1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58 61 64 67 70 73 76 79 82 2018-1 2020-2 -2018-2 2021-1 -2015-3 2019-1 2016-3 2019-2 2017-1 -2020-1 -2018-1 2020-2 2018-2 -2021-1 2022-1 -2022-2 2022-3 -2023-1 2023-2 2022-1 2022-2 Prepays (CRR)3,4 2022-3 Monthly Payment Rate² 2023-1 2023-2 10.0% 60.0% 50.0% 8.0% 40.0% 6.0% 30.0% 4.0% 20.0% 2.0% 10.0% 0.0% 0.0% Sep-19 Mar-20 2015-3 Sep-20 Mar-21 Sep-21 Mar-22 Sep-22 Mar-23 Sep-23 Sep-19 Mar-20 Sep-20 Mar-21 Sep-21 Mar-22 Sep-22 Mar-23 Sep-23 -2016-3 2017-1 2018-1 -2018-2 2015-3 -2016-3 2017-1 2018-1 2018-2 2019-1 -2022-1 2019-2 2022-2 2020-1 2022-3 2020-2 -2023-1 -2021-1 2019-1 2019-2 -2020-1 2020-2 2021-1 2023-2 2022-1 2022-2 2022-3 2023-1 2023-2 As of September 2023 Payment Date. 1. Elevated losses occur during amortization period because of declining denominator while losses in the numerator are on a 6-month lag. 2. Payment rate = Principal collections divided by beginning of period balance. OneMain Financial. 3. Renewals remain in transaction during the revolving period and are treated as full payoff during the amortization period. 4. Scheduled principal calculated based on trust weighted averages. 43#44ODART Key Performance Metrics 3 Month Net Annualized Loss¹ 3.0% 2.5% 2.5% 2.0% 2.0% 1.5% 1.5% 1.0% 1.0% 0.5% 0.5% 0.0% 0.0% 1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 1 4 7 2019-1 -2021-1 2022-1 -2023-1 Prepays (CRR)3,4 60+ Delinquency 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 2019-1 2021-1 2022-1 Monthly Payment Rate² 2023-1 60.0% 9.0% 8.0% 50.0% 7.0% 40.0% 6.0% 5.0% 30.0% 4.0% 20.0% 3.0% 2.0% 10.0% 1.0% 0.0% 0.0% Sep-20 Mar-21 Sep-21 Mar-22 Sep-22 Mar-23 Sep-23 Sep-20 Mar-21 Sep-21 Mar-22 Sep-22 Mar-23 Sep-23 2019-1 2021-1 2022-1 2023-1 2019-1 2021-1 2022-1 2023-1 OneMain Financial. As of September 2023 Payment Date. 1. Elevated losses occur during amortization period because of declining denominator while losses in the numerator are on a 6-month lag. 2. Payment rate = Principal collections divided by beginning of period balance. 3. Renewals remain in transaction during the revolving period and are treated as full payoff during the amortization period. 4. Scheduled principal calculated based on trust weighted averages. 44#45Personal Loan 30+ day delinquency outcomes (Company portfolio)1 7.0% 6.0% 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% Mar-22 Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Oct-22 Nov-22 Dec-22 Jan-23 Feb-23 Mar-23 Apr-23 May-23 Jun-23 ■Worse 3.2% 3.2% 3.2% 3.3% 3.5% 3.7% 3.8% 4.0% 4.1% 4.2% 4.2% 4.2% 3.9% 3.8% 3.7% 3.7% Same 0.7% 0.6% 0.6% 0.6% 0.6% 0.7% 0.5% 0.5% 0.6% 0.6% 0.6% 0.6% 0.6% 0.6% 0.5% 0.5% Better 0.6% 0.5% 0.4% 0.5% 0.5% 0.6% 1.0% 0.5% 0.6% 0.7% 0.6% 0.7% 0.8% 0.5% 0.5% 0.7% Renewals 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% Charge Off 0.7% 0.7% 0.7% 0.7% 0.7% 0.7% 0.7% 0.8% 0.8% 0.8% 0.8% 0.8% 0.9% 0.9% 0.9% 0.8% Borrower Assistance 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.3% OneMain Financial. 1. Numbers may not sum due to rounding.. 45#46Direct Auto 30+ day delinquency outcomes (Company portfolio)1 3.5% 3.0% 2.5% 2.0% 1.5% 1.0% 0.5% 0.0% Mar-22 Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Oct-22 Nov-22 Dec-22 Jan-23 Feb-23 Mar-23 Apr-23 May-23 Jun-23 ■Worse 1.0% 1.0% 1.1% 1.2% 1.3% 1.3% 1.4% 1.4% 1.5% 1.6% 1.6% 1.6% 1.5% 1.4% 1.4% 1.5% ■Same 0.3% 0.2% 0.2% 0.2% 0.3% 0.3% 0.3% 0.3% 0.3% 0.3% 0.3% 0.3% 0.3% 0.3% 0.3% 0.2% Better 0.6% 0.4% 0.4% 0.5% 0.5% 0.6% 0.6% 0.5% 0.5% 0.6% 0.5% 0.6% 0.6% 0.5% 0.5% 0.6% ■Renewals 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% Charge Off 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.3% 0.3% 0.3% 0.3% 0.3% 0.3% 0.3% 0.4% 0.4% 0.3% ■Borrower Assistance 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% OneMain Financial. 1. Includes Direct Auto 0-10, numbers may not sum due to rounding. 46#47Performance by Security Type Unsecured Total OMH Combined OMH $ in millions 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Origination Volume FICO of Originations APR at Origination Portfolio Receivables Portfolio 60+ DQ $12,056 627 23.0% $13,767 $16,137 627 23.2% 629 23.4% $14,395 625 23.3% $8,318 620 23.9% $6,688 635 25.3% $7,218 631 25.9% $7,206 627 26.8% $8,653 626 27.9% $9,430 626 28.0% $10,585 625 27.3% $9,455 628 26.1% $10,537 $11,923 630 629 26.2% 26.8% $13,803 626 27.1% $10,729 $13,825 $13,879 629 629 629 26.7% 25.4% 25.7% Portfolio Net Charge-off $12,518 $14,169 $17,360 3.6% 7.8% $18,509 $15,125 $12,976 $11,735 $11,152 $11,342 $12,243 $13,572 $13,455 $14,820 $16,195 $18,421 $18,091 $19,190 $19,880 3.5% 3.9% 5.1% 4.7% 5.4% 4.0% 3.6% 3.0% 3.5% 3.0% 3.6% 3.4% 3.3% 3.1% 2.6% 3.0% 4.0% 5.5% 6.2% 8.4% 11.8% 10.2% 9.0% 6.6% 5.7% 5.8% 7.0% 7.1% 7.0% 6.5% 6.0% 5.5% 4.2% 6.1% Origination Volume $7,456 $8,853 $11,275 $10,152 $5,436 $4,067 $4,387 $4,843 $6,302 $6,819 $7,331 $5,529 $5,659 $6,009 $6,245 $4,960 $6,889 $6,924 Percent of Total Originations 62% 64% 70% 71% 65% 61% 61% 67% 73% 72% 69% 58% 54% 50% 45% 46% 50% 50% FICO of Originations 638 638 640 636 628 642 639 634 634 634 634 636 635 635 635 641 638 641 APR at Origination 23.5% 23.7% 23.8% 23.5% 24.0% 25.6% 26.4% 27.1% 28.2% 28.5% 28.3% 27.8% 28.2% 29.0% 29.4% 29.2% 27.8% 27.9% Portfolio Receivables $7,700 $8,909 $11,716 $12,848 $10,253 $8,506 $7,461 $7,326 $7,964 $8,748 $9,502 $8,544 $8,519 $8,504 $8,907 $8,566 $9,254 $9,543 Percent of Total Receivables 62% 63% 67% 69% 68% 66% 64% 66% 70% 71% 70% 64% 57% 53% 48% 47% 48% 48% Portfolio 60+ DQ 3.3% 3.5% 3.8% 5.3% 4.7% 5.7% 4.2% 3.7% 3.1% 3.8% 3.4% 4.5% 4.4% 4.6% 4.3% 3.4% 3.9% 5.3% Portfolio Net Charge-off 9.3% 5.8% 6.8% 9.2% 13.6% 11.5% 10.3% 7.4% 6.2% 6.5% 8.1% 8.7% 9.4% 9.0% 8.8% 7.8% 5.5% 8.2% Direct Auto Hard Secured Origination Volume $4,601 $4,914 $4,862 $4,242 $2,881 $2,622 $2,831 $2,363 $2,351 $2,362 $2,181 $2,206 $2,520 $3,123 $4,630 $3,593 $3,618 $3,632 Percent of Total Originations 38% 36% 30% 29% 35% 39% 39% 33% 27% 25% 21% 23% 24% 26% 34% 33% 26% 26% FICO of Originations 610 608 604 598 604 622 619 610 607 605 604 610 613 613 611 612 613 612 APR at Origination 22.1% 22.3% 22.4% 22.7% 23.6% 24.8% 25.1% 26.1% 27.1% 27.6% 27.8% 27.6% 28.0% 28.0% 27.3% 26.6% 25.2% 25.3% Portfolio Receivables $4,818 $5,260 $5,644 $5,661 $4,872 $4,470 $4,275 $3,826 $3,378 $3,258 $3,060 $2,938 $3,309 $3,925 $5,389 $5,658 $5,623 $5,753 Percent of Total Receivables 38% 37% 33% 31% 32% 34% 36% 34% 30% 27% 23% 22% 22% 24% 29% 31% 29% 29% Portfolio 60+ DQ 4.1% 3.5% 4.2% 4.8% 4.6% 4.7% 3.7% 3.6% 2.9% 3.0% 2.8% 2.7% 2.6% 2.5% 2.5% 2.5% 2.9% 3.7% Portfolio Net Charge-off 5.4% 4.8% 5.0% 6.6% 7.9% 7.4% 6.6% 5.2% 4.6% 4.2% 5.1% 5.1% 5.0% 4.9% 4.4% 4.5% 4.2% 6.0% Origination Volume Percent of Total Originations FICO of Originations $249 $1,073 $1,719 $2,358 $2,791 $2,928 $2,176 $3,318 $3,324 3% 10% 18% 22% 23% 21% 20% 24% 24% 608 608 627 636 633 629 631 626 622 APR at Origination Portfolio Receivables Percent of Total Receivables 18.6% 19.4% 18.6% 19.5% 20.8% 21.7% 21.3% 20.6% 21.8% $237 $1,010 $1,973 $2,992 $3,766 $4,125 $3,867 $4,312 $4,584 2% 7% 15% 20% 23% 22% 21% 22% 23% Portfolio 60+ DQ 0.1% 0.9% 1.0% 1.0% 1.1% 1.3% 1.3% 1.1% 1.8% Portfolio Net Charge-off 0.0% 0.5% 1.2% 1.5% 1.7% 1.9% 2.1% 1.2% 1.9% OneMain Financial. Note: Excludes Retail, Real Estate and Real Estate Short Equity, Spring Castle portfolio, Whole Loan Sales, and Credit Card portfolio. 2015 loss rate reflects the impact of $62 million in additional charge-offs recorded in December 2015 as a result of alignment in policy from recency of payment to a 180-day charge-off policy for legacy OneMain. Totals may not sum due to rounding. 47#48Thank you Please reach out with any questions CONTACT David Schulz Treasurer [email protected] (212) 359-2426 OneMain Financial Better Borrowing. Brighter Future.