Investor Presentaiton

U.S. nonprime auto industry comps OneMain Financial. Better Borrowing. Brighter Future. World Omni Financial Corp. ODART 2023-1 WOSAT 2023-A Santander CONSUMER USA Investors Financial Services Celebrating 27 Years In Business FLAGSHIP CREDIT ACCEPTANCE Santander CONSUMER USA CARVANA Exeter CRVNA 2023-N3 EART 2023-4 DRIVE 2021-3 FIAOT 2022-2 FCAT 2023-3 SDART 2023-4 Origination Channel Direct 100.0% 0.0% 100.0% 0.0% 0.0% 69.7% 19.6% 0.0% Indirect 0.0% 100.0% 0.0% 100.0% 100.0% 30.3% 80.4% 100.0% Collateral Characteristics Loan Bal $15,520 $24,793 $24,052 $19,781 $23,262 $21,225 $25,853 $27,211 WA APR/WAC 22.3% 9.2% 22.0% 21.8% 18.3% 13.5% 20.7% 17.7% WA FICO 623 651 574 577 575 592 588 WA LTV1 129.0% -- 101.8% 113.4% 109.7% 113.8% 119.5% 605 107.8% WA Orig Term (months) 58 74 72 73 71 71 71 72 RA CNL Assumption S&P Moody's Fitch 6.00% DBRS 4.0% Kroll 2.13% 4.13% 15.2% 12.75% 14.75% 5.69% 6.25% 18.25% 9.25% 9.75% 12.5% 17.00% 22.00% 20.00% 22.0% 18.25% 10.5% 8.6% -9.1% 9.3% -11.3% 15.00% OneMain Financial. 1. OneMain uses more conservative wholesale Blackbook Clean trade in value (not retail value; does not include additions). 36

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