OneMain Financial Performance Overview

Direct Auto Personal Loan Secured Unsecured Total OMH $ in millions Combined portfolio performance history by product type 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Origination Volume FICO of Originations APR at Origination $12,056 627 $13,767 23.0% 627 23.2% $16,137 629 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% $10,537 630 26.2% $11,923 629 26.8% $13,803 626 27.1% Portfolio Receivables $12,518 Portfolio 60+ DQ 3.6% Portfolio Net Charge-off 7.8% $14,169 3.5% 5.5% $17,360 3.9% 6.2% $18,509 5.1% 8.4% $15,125 4.7% 11.8% $12,976 5.4% 10.2% $11,735 4.0% 9.0% $11,152 3.6% 6.6% $11,342 3.0% 5.7% $12,243 $13,572 3.5% 5.8% 3.0% 7.0% $13,455 $14,820 3.6% 3.4% 7.1% 7.0% $16,195 $18,421 3.3% 6.5% 3.1% 6.0% Origination Volume $7,456 Percent of Total Originations FICO of Originations 62% 638 APR at Origination 23.5% $8,853 64% 638 23.7% $11,275 70% 640 23.8% $10,152 71% 636 23.5% $5,436 65% 628 24.0% $4,067 61% 642 25.6% $4,387 61% 639 26.4% $4,843 67% 634 27.1% $6,302 73% 634 28.2% $6,819 72% 634 28.5% $7,331 69% 634 28.3% $5,529 58% 636 27.8% $5,659 54% 635 28.2% $6,009 50% 635 29.0% $6,245 45% 635 29.4% Portfolio Receivables $7,700 $8,909 Percent of Total Receivables 62% 63% $11,716 67% $12,848 69% $10,253 $8,506 $7,461 $7,326 $7,964 $8,748 $9,502 68% 66% 64% 66% 70% 71% 70% $8,544 64% $8,519 $8,504 $8,907 57% 53% 48% Portfolio 60+ DQ 3.3% 3.5% 3.8% 5.3% Portfolio Net Charge-off 9.3% 5.8% 6.8% 9.2% 4.7% 13.6% 5.7% 11.5% 4.2% 10.3% 3.7% 3.1% 3.8% 3.4% 4.5% 4.4% 4.6% 4.3% 7.4% 6.2% 6.5% 8.1% 8.7% 9.4% 9.0% 8.8% Origination Volume Percent of Total Originations FICO of Originations APR at Origination Origination Volume $4,601 Percent of Total Originations FICO of Originations 38% 610 APR at Origination 22.1% $4,914 36% 608 22.3% $4,862 30% 604 22.4% $4,242 29% 598 22.7% $2,881 35% 604 23.6% $2,622 39% 622 24.8% $2,831 39% 619 25.1% $2,363 33% 610 26.1% $2,351 27% 607 27.1% $2,362 25% 605 27.6% $2,181 21% 604 27.8% $2,206 23% 610 27.6% $2,520 24% 613 28.0% $3,123 $4,632 26% 613 28.0% 34% 611 27.3% 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 Percent of Total Receivables 38% 37% 33% 31% 32% 34% 36% 34% 30% 27% 23% 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% 22% 2.7% 22% 24% 29% 2.6% 2.5% 2.5% 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% Portfolio Receivables Percent of Total Receivables Portfolio 60+ DQ Portfolio Net Charge-off OneMain Financial Note: numbers may not add due to rounding. $249 3% 608 18.6% $1,073 10% 608 19.4% $1,719 18% 627 18.6% $2,358 22% 636 19.5% $2,791 23% 633 20.8% $2,926 21% 629 21.7% $237 $1,010 $1,973 $2,992 $3,766 $4,125 2% 7% 15% 20% 23% 22% 0.1% 0.9% 1.0% 1.0% 1.1% 1.3% 0.0% 0.5% 1.2% 1.5% 1.7% 1.9% 54

View entire presentation