OneMain Financial Performance Overview

Our decisioning is driven by proprietary data and superior underwriting Underwriting model predictive power1 Note: Percentages indexed to FICO 100% FICO OneMain Financial. 165% 158% 138% 126% 2016 Legacy credit models 2017 2018 2019 OneMain model Updated regression Machine learning models models Alternative data -100 # of data points used ▶1,000+ 1. Source: Experian, internal analysis. Predictive power defined with KS Score, a commonly used metric that measures the power of a model to differentiate "goods" from "bads." 22 22

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