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Investor Presentaiton

1 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
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