OneMain Financial Performance Overview

Repeat customers are a core part of business strategy Strong payment track record with OneMain may qualify customer for larger loan renewal 14% Income re-verified Only performing customers eligible for loan renewals1 Repeat borrowers fully re-underwritten Ability-to-pay recalculated Household budget refreshed Collateral re-inspected¹ Repeat customers outperform new customers² 12% 10% 8% 6% 4% 2% 0% 0 2 4 6 8 10 12 14 16 18 2016 New Customers 20 22 2016 Present and Former Customers 24 26 28 30 33 35 OneMain Financial. Note: Portfolio renewal data as of December 31, 2019 1. Exceptions may apply. 2. Represents gross charge-off for 2016 originations. -20% lower loss % of customers that renewed at least once -50% 23 23

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