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Performance by Security Type Unsecured Total OMH Combined OMH $ in millions 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Origination Volume FICO of Originations APR at Origination Portfolio Receivables Portfolio 60+ DQ $12,056 627 23.0% $13,767 $16,137 627 23.2% 629 23.4% $14,395 625 23.3% $8,318 620 23.9% $6,688 635 25.3% $7,218 631 25.9% $7,206 627 26.8% $8,653 626 27.9% $9,430 626 28.0% $10,585 625 27.3% $9,455 628 26.1% $10,537 $11,923 630 629 26.2% 26.8% $13,803 626 27.1% $10,729 $13,825 $13,879 629 629 629 26.7% 25.4% 25.7% Portfolio Net Charge-off $12,518 $14,169 $17,360 3.6% 7.8% $18,509 $15,125 $12,976 $11,735 $11,152 $11,342 $12,243 $13,572 $13,455 $14,820 $16,195 $18,421 $18,091 $19,190 $19,880 3.5% 3.9% 5.1% 4.7% 5.4% 4.0% 3.6% 3.0% 3.5% 3.0% 3.6% 3.4% 3.3% 3.1% 2.6% 3.0% 4.0% 5.5% 6.2% 8.4% 11.8% 10.2% 9.0% 6.6% 5.7% 5.8% 7.0% 7.1% 7.0% 6.5% 6.0% 5.5% 4.2% 6.1% Origination Volume $7,456 $8,853 $11,275 $10,152 $5,436 $4,067 $4,387 $4,843 $6,302 $6,819 $7,331 $5,529 $5,659 $6,009 $6,245 $4,960 $6,889 $6,924 Percent of Total Originations 62% 64% 70% 71% 65% 61% 61% 67% 73% 72% 69% 58% 54% 50% 45% 46% 50% 50% FICO of Originations 638 638 640 636 628 642 639 634 634 634 634 636 635 635 635 641 638 641 APR at Origination 23.5% 23.7% 23.8% 23.5% 24.0% 25.6% 26.4% 27.1% 28.2% 28.5% 28.3% 27.8% 28.2% 29.0% 29.4% 29.2% 27.8% 27.9% Portfolio Receivables $7,700 $8,909 $11,716 $12,848 $10,253 $8,506 $7,461 $7,326 $7,964 $8,748 $9,502 $8,544 $8,519 $8,504 $8,907 $8,566 $9,254 $9,543 Percent of Total Receivables 62% 63% 67% 69% 68% 66% 64% 66% 70% 71% 70% 64% 57% 53% 48% 47% 48% 48% Portfolio 60+ DQ 3.3% 3.5% 3.8% 5.3% 4.7% 5.7% 4.2% 3.7% 3.1% 3.8% 3.4% 4.5% 4.4% 4.6% 4.3% 3.4% 3.9% 5.3% Portfolio Net Charge-off 9.3% 5.8% 6.8% 9.2% 13.6% 11.5% 10.3% 7.4% 6.2% 6.5% 8.1% 8.7% 9.4% 9.0% 8.8% 7.8% 5.5% 8.2% Direct Auto Hard Secured Origination Volume $4,601 $4,914 $4,862 $4,242 $2,881 $2,622 $2,831 $2,363 $2,351 $2,362 $2,181 $2,206 $2,520 $3,123 $4,630 $3,593 $3,618 $3,632 Percent of Total Originations 38% 36% 30% 29% 35% 39% 39% 33% 27% 25% 21% 23% 24% 26% 34% 33% 26% 26% FICO of Originations 610 608 604 598 604 622 619 610 607 605 604 610 613 613 611 612 613 612 APR at Origination 22.1% 22.3% 22.4% 22.7% 23.6% 24.8% 25.1% 26.1% 27.1% 27.6% 27.8% 27.6% 28.0% 28.0% 27.3% 26.6% 25.2% 25.3% Portfolio Receivables $4,818 $5,260 $5,644 $5,661 $4,872 $4,470 $4,275 $3,826 $3,378 $3,258 $3,060 $2,938 $3,309 $3,925 $5,389 $5,658 $5,623 $5,753 Percent of Total Receivables 38% 37% 33% 31% 32% 34% 36% 34% 30% 27% 23% 22% 22% 24% 29% 31% 29% 29% Portfolio 60+ DQ 4.1% 3.5% 4.2% 4.8% 4.6% 4.7% 3.7% 3.6% 2.9% 3.0% 2.8% 2.7% 2.6% 2.5% 2.5% 2.5% 2.9% 3.7% Portfolio Net Charge-off 5.4% 4.8% 5.0% 6.6% 7.9% 7.4% 6.6% 5.2% 4.6% 4.2% 5.1% 5.1% 5.0% 4.9% 4.4% 4.5% 4.2% 6.0% Origination Volume Percent of Total Originations FICO of Originations $249 $1,073 $1,719 $2,358 $2,791 $2,928 $2,176 $3,318 $3,324 3% 10% 18% 22% 23% 21% 20% 24% 24% 608 608 627 636 633 629 631 626 622 APR at Origination Portfolio Receivables Percent of Total Receivables 18.6% 19.4% 18.6% 19.5% 20.8% 21.7% 21.3% 20.6% 21.8% $237 $1,010 $1,973 $2,992 $3,766 $4,125 $3,867 $4,312 $4,584 2% 7% 15% 20% 23% 22% 21% 22% 23% Portfolio 60+ DQ 0.1% 0.9% 1.0% 1.0% 1.1% 1.3% 1.3% 1.1% 1.8% Portfolio Net Charge-off 0.0% 0.5% 1.2% 1.5% 1.7% 1.9% 2.1% 1.2% 1.9% OneMain Financial. Note: Excludes Retail, Real Estate and Real Estate Short Equity, Spring Castle portfolio, Whole Loan Sales, and Credit Card portfolio. 2015 loss rate reflects the impact of $62 million in additional charge-offs recorded in December 2015 as a result of alignment in policy from recency of payment to a 180-day charge-off policy for legacy OneMain. Totals may not sum due to rounding. 47

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