Investor Presentaiton

ABS Funding Funding & Collateral Liquidity/ Conduits Personal Loan ABS Program ("OMFIT") Direct Auto ABS Program ("ODART") As of June 30, 2023, OneMain had principal debt balances of ~$19.5 billion, ~55% of which was secured Balanced mix of ABS, corporate bonds and whole loan sales provides flexibility in changing market conditions Revolving ABS provides fixed rate prefunding for future originations¹ Significant unencumbered loans* ($8.4B at 2Q23) which provide additional flexibility Significant forward liquidity runway 15 diverse conduit banks with multi-year commitments and no financial covenants or MACS Committed capacity provides long liquidity runway in case of protracted capital market dislocation $7.4B total bank capacity as of June 30, 2023 29 Personal Loan securitizations since 2013² . • OMF created the Consumer Loan asset class in 2013, with consistent performance since First AAA in asset class Backed by a mix of both secured and unsecured loans (vs. unsecured marketplace lenders) Transactions feature a 2, 3, 5 or 7-year revolving structure, given fast payment rates of underlying assets 8 Direct Auto securitizations since 20163 • • • Direct Auto has higher loan yields, shorter terms and much lower losses vs. typical Indirect (dealer-originated) nonprime auto Amortizing, 1, 2, 3 and 5-year revolving periods to date Major credit differentiators include ability-to-pay underwriting, income verification and evaluation of performance with existing auto lenders Perfected first priority security interest on all collateral pre- closing OneMain Financial. *See 2Q2023 earnings presentation appendix and earnings release for Non-GAAP Financial Measures reconciliations along with defined terms. 1. With the exception of floating rate tranche in OMFIT 2017-1, OMFIT 2021-1, ODART 2022-1 and OMFIT 2023-2. 2. As of September 30, 2023, Includes SLFT securitizations. 3. As of June 30, 2023. 223

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