OneMain Financial Performance Overview

Strong corporate health provides for continued investment to make our business better C&I FY191,2 -- Yield 24.1% Other net revenue 2.5% Net charge-offs (6.0%) Operating expense (7.5%) ✓ Marketing and customer acquisition ✓ Technology and automation ✓ Omni-channel customer experience Interest expense (5.5%) ✓ Product innovation Taxes and other (2.1%) ✓ Advanced analytics C&I return on receivables 5.4% ✓ People and talent OneMain Financial. 1. See Q4 2019 earnings presentation for reconciliations and disclosures required by Regulation G for Non-GAAP Financial Measures along with glossary of select calculations. 2. Fiscal year 2019 results; may not sum due to rounding. 15

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