Investor Presentaiton

Our products address our customers' needs Key Stats: Unsecured loan Secured loan >10-year auto age Direct Auto ≤10-year auto age¹ Additional Products Avg. Loan Size ~$8k ~$12k ~$17k Avg. APR -28% -26% -22% Brightway+Ⓡ and BrightwayⓇ credit cards² Credit Life, Disability, Involuntary Unemployment Insurance Avg. Credit Score 641 612 622 Home & auto membership Normalized Net Loss 8-10% 4-6% 2-3% Term life % of Originations OneMain Financial. 50% 26% 24% Note: Data as of December 31, 2022 unless otherwise noted. 1. ODART securitizations prior to ODART 2021-1 were only loans collateralized by 0-8-year-old titled vehicles. 2. BrightWay® is a registered trademark of OneMain Financial Holdings, LLC. The BrightWay® credit card is issued by WebBank. TRIM by OneMain 10

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