OneMain Financial Performance Overview

We regularly conduct portfolio stress testing Granular analysis segmented by product, customer type, FICO, loan amount, and term Cumulative C&l gross charge-offs by yearly vintage1 6.6% 1.58x 10.4% 9.7% 8.9% 5.6% 5.4% 5.0% 2006 2007 2008 2009 2010 2011 2012 OneMain Financial. 1. Represents the cumulative C&I gross charge-offs at month 24 on book. See Q4 2019 earnings presentation for reconciliations and disclosures required by Regulation G for Non-GAAP Financial Measures along with glossary of select calculations. 26

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