Investor Presentaiton

Proprietary data, decisioning & Al models deliver superior underwriting Underwriting and credit advantages... Proprietary Scoring • Diverse data sources •Models enhanced with third party data •Decades of history •Manual review of credit bureau information Al Techniques Evaluated •Gradient-boosted models •Random forest •Logistic regression Ability-to-Pay •Determined using verified sources of income •Put customers in loan they can afford Collateral/ Verification •Identity/Employment /Income •Collateral inspection ...Drives Superior Loss Performance 2022 Net Charge-offs 12.6% 6.1% 5.0% 6.1% 1.8% 0.3% Tier 1 Tier 2 Prime Non-Prime • Transfer of title perfected-99% of the time OneMain (C&I)* Market Place Lenders¹ Auto Lenders² Consumer finance banks³ *See 4Q2022 earnings presentation appendix and earnings release for Non-GAAP Financial Measures reconciliations along with defined terms. 1. KBRA Tier 1 and Tier 2 Consumer Loan Index. OneMain Financial. 2. KBRA Prime and Nonprime Auto Loan Index. 3. Includes Ally, Capital One, Discover, Sallie Mae, and Synchrony. 17

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