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Investor Presentaiton

Strong performance of repeat customers informs business strategy Only performing customers eligible for renewals Repeat borrowers re-underwritten Strong payment track record with OneMain may qualify customer for larger loan Income re-verified¹ 10% Collateral re-inspected Repeat customers outperform new customers² Affordability re-evaluated 9% 8% 7% 6% 5% 4% 3% 2% 1% 0% 0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30 32 32 2019 New Customers 2019 Present and Former Customers Note: Rare exceptions may apply; Portfolio renewal data as of June 30, 2023. 1. Stated income with employment verification may be used in certain limited circumstances. OneMain Financial. 2. Represents gross charge-off for 2019 originations. 34 44 36 36 38 40 40 42 42 Improved performance 19
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