OneMain Financial Performance Overview

Extensive servicing resources, especially critical in downturn Delinquency timeline Current Days Past Due Branch 1 payment past due Centralized 2 payments past due 3 to 6 payments past due Charge-off Recovery 1 - 29 30 - 59 60-179 180+ Branch Central Operations¹ Impact # of locations 1,500+ 5 People & places High-touch # of team members ~6,500 ~1,700 customer engagement Initial contact Underwriting/decisioning ✓ ✓ Roles & Verification & loan closing responsibilities Servicing/collections Early-stage delinquency Local relationships OneMain Financial. Note: Data as of December 31, 2019. 1. Excludes Insurance operation center in Texas. Superior credit performance Late-stage delinquency, charge-off and recovery Higher customer life-time value 28

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