OneMain Financial Performance Overview

The U.S. consumer remains strong Lowest unemployment rate since 19691 11% 10% Job openings outstripping unemployed 1,2 - Unemployed persons ― Job Openings 16 9% 8% 7% 6% 14 12 10 8 6 5% 4 4% 3% 2 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Stable household financial obligations³ 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Solid wage growth4 Household Debt Service Payment as a % of Disposable Personal Income -High skill - Mid skill Low skill 19% 5% 18% 4% 17% 16% 15% 14% 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 OneMain Financial. 3% 2% 1% 0% 90 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 1. Source: US Bureau of Labor Statistics, data as of December 2019. 2. Total Nonfarm Job Openings & Unemployed Persons, SA in millions, data as of December 2019. 3. Source: Federal Reserve Board quarterly release; data as of Q3 2019. 4. Source: US Bureau of Labor Statistics and Federal Reserve Bank of Atlanta; 12 month MA of median wage growth by category; data as of December 2019. 17

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