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Investor Presentaiton

Personal loan cumulative net loss • OneMain vintage CNL performance well below worst Financial Crisis vintage (2008) • All vintages a fraction of lowest tranche class D rating agency (BBB-) 30.3% first dollar loss stress¹ OMFIT 2023-2 AAA bond would require cumulative net losses to exceed ~50% for any principal loss 35.0% 30.0% OneMain combined PL annual vintage cumulative net loss² OMFIT 2023-2 Rating Agency Class D 'BBB-' Curve³ 25.0% 20.0% 15.0% 10.0% 5.0% 0.2% 7.6% 7.6% 2008 Vintage 9.1% 0.0% 0 3 6 9 12 15 18 21 24 27 30 33 36 39 42 45 48 51 54 2008 2015 2016 2017 2018 2019 2020 2021 2022 S&P Curve OneMain Financial. 1. Source: Internal Company Analysis. 2. Combined annual "OMH" Personal Loan (Unsecured and Secured Personal) Cumulative Net Loss; Legacy OneMain "OMFH" reflects Gross Loss until system conversion (1Q2017). 3. Ending CNL after recoveries of 29.1%. 30.3% 15.8% 11.5% 10.2% 11.5% 11.0% 40 57 60 27
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