Investor Presentaiton

OneMain ABS superior relative value Long Operating History Seasoned Programs Program Liquidity Conservative Rating Assumptions Additional Enhancement Trusts Backed in whole/part by Secured Loans Prime Performance from Auto Shelf First AAA CL Program 3 Revolving Period Rapid Deleveraging 100+ years in business Seasoned programs with 37 issuances for ~$27B Consistent collateral performance across issuances Numerous dealers offer liquidity across all tranches Rating Agency pre-stress base case loss assumptions similar to our stressed 2008-2009 performance Structuring to worst case pool in revolving deals provides additional enhancement vs. actual pool Consumer loan asset class often characterized as "subprime unsecured", while ~50% of our portfolio is prime/near-prime and more than half is auto secured¹ Prime-like performance from nonprime collateral in the ODART shelf Income verification and ability-to-pay underwriting major differentiator vs. dealer-sold indirect subprime auto We created the Consumer Loan asset class in 2013 First Consumer Loan ABS program to receive 'AAA' from S&P Recent deals EU/UK2 Risk Retention compliant Top-up deals monthly with fresh collateral to account for customer paydowns/payoffs/charge-offs This feature mitigates losses during revolving period Rapid deleveraging through fixed dollar overcollateralization once amortization begins AAAs have <1.0yr WAL in amortization OneMain Financial. 1. As of June 30, 2023. 2. Article 6(3)(d) retention/No Article 7 compliance. 21

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