OneMain Financial Performance Overview

Products designed to address our customers' needs Collateralizes OMFIT Collateralizes ODART Unsecured loan Key Stats (FY19): Secured loan 10+ year auto age Direct auto 0-10 year auto age² Optional products Avg. loan size -$8k ~$10k ~$15k Avg. APR -29% -27% ~22% Credit Life, Disability, Involuntary Unemployment Insurance Avg. Borr. Credit Score 635 611 629 Home & auto membership C&I net charge-offs 1 ~9% ~5% ~2% Term life % of originations 45% 34% 21% Guaranteed asset protection OneMain Financial. Our consultative process helps the customer get the right product for them 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. Represents 2019 combined originations for OneMain Holdings, Inc. 2. Only loans collateralized by 0-8 year old titled vehicles are included in ODART securitizations. 10 10

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