Investor Presentaiton

Revolving structure more favorable for investors Revolving transactions provide performance stability during economic downturn Amortizing Revolving • Fixed collateral pool No ability to replenish pool with higher quality collateral Naturally less CE due to rating agency assumptions based on actual collateral pool Less relative spread with immediately amortizing structure and shorter WAL • Flexibility to Manage Transactions Monthly top-ups provide ability to manage collateral pool quality1 2 Credit Enhancement • Spread • More CE due to rating agency assumptions based on the worst-case pool (actual pools far better) More relative spread with longer WALS and more curve 4 • • Bonds can support less stress for shorter durations Performance During Economic Downturn Bonds can support more stress for longer durations • Losses could go up ~300% 5 due to structurally less CE and still not break OMFIT 2023-2 Class D The revolving nature of our deals provides investors with protection and acts as a mitigant to consumer credit concerns During the revolving period, we top up our deals with collateral every month to account for charge-offs, prepayments, and maturing loans; amortizing structures have a fixed collateral pool and cannot replenish pool with higher quality collateral, if needed Revolving structures provide more credit enhancement due to rating agency assumptions based on a worst-case pool; less for amortizing due to rating agency assumptions being based on actual collateral pool OneMain bonds can withstand much more stress; losses could go up -300% and not break Class D bonds; amortizing bonds cannot support as much stress due to less credit enhancement in structure ODART performs like a prime asset class with 2-3% losses even though the collateral is nonprime. OneMain always careful in selecting collateral that has consistent long-term performance OneMain Financial. Revolving structure provides superior relative value compared to amortizing structures 1. Subject to certain eligibility and reinvestment criteria in the related transaction. 22 22

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