OneMain Financial Performance Overview

Key takeaways 1 We have unique competitive advantages to serve the non-prime customer, including capital, scale and a nationwide branch network 4 We are continuously enhancing our core business with technology and analytics capabilities 2 Our business is specifically designed to provide responsible lending solutions to a large and often underserved market 5 Our responsible lending practices, state-licensed model and culture of compliance are core to our business model 3 Our business is stable, resilient and cycle tested, generating significant cash flow 6 The U.S. consumer remains healthy and we remain vigilant and proactive in the protection of our portfolio OneMain Financial 7

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