OneMain Financial Performance Overview

ABS program highlights FA Credit Enhancement¹ Rapid Deleveraging Revolving Period Seasoned Program First 'AAA' Rated Program Prime Performance from Auto Shelf Trusts Backed by Prime, Secured Loans Structuring to worst case pool provides ~8pts of additional enhancement vs. actual pool - Actual WAC ~350bps higher and remaining term ~10 months lower than worst case pool - - - Rapid deleveraging through fixed dollar overcollateralization once amortization begins - AAAs have ~0.5yr WAL in amortization Ability to add additional loans during revolving period to maintain required overcollateralization levels This allows investors to avoid recessionary periods during revolving periods Seasoned program with 26 issuances for ~$18B Consistent collateral performance across issuances Created the Consumer Loan asset class in 2013 First Consumer Loan ABS program to receive 'AAA' from S&P Prime-like performance from non-prime collateral in the ODART shelf Income verification and ability-to-pay underwriting major differentiator vs. dealer-sold indirect subprime auto Consumer loan asset class often characterized as "subprime unsecured", while roughly half of our portfolio is prime/near-prime and half secured OneMain Financial. 1. Based on OMFIT 2019-2 at issuance, OneMain internal estimate. 4

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