Investor Presentaiton

How 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

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