OneMain Financial Performance Overview

ODART 2019-1 overview Capital structure Class A $533,250,000 71.10% ODART 2019-1 represented the 5th transaction from the ODART shelf since the program's inception in 2016 Notes issued from a discrete trust, with a 5-year revolving period • Concentration limits govern loan eligibility Credit enhancement consists of subordinated notes, overcollateralization, a cash reserve account and excess spread • Total Hard Credit Enhancement (% of Assets): Class B $89,630,000 11.95% - Class C $59,620,000 7.95% Class D $54,380,000 7.25% Class A: 29.40% Class B: 17.45% Class C: 9.50% Class D: 2.25% Initial excess spread estimated to be 13.5% per annum Initial OC $13,128,297 1.75% Reserve Account 0.50% $3,750,041 OneMain Financial 46 46

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