OneMain Financial Performance Overview

OneMain Direct Auto vs other auto issuers Significant percent of lower- loss, return customers and no dependencies on dealer data accuracy Robust customer relationships with servicing done in-house by our team members ODART AAA would require cumulative gross loss to exceed ~57% for principal loss1 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% S&P index: annualized net loss rates 2,3 8.9% 6.7% 1.8% Losses comparable to Prime 0.7% Auto Nov-17 Nov-18 Nov-19 Prime OneMain Direct Auto Nov-12 Nov-13 Nov-14 Nov-15 Nov-16 Subprime Subprime (ex. Deep Subprime) OneMain Financial 1. Source: Kroll Bond Rating Agency ODART 2019-1 New Issue Report. 2. OneMain Direct Auto: Vehicles 0-8 years old only. 3. Source: S&P U.S Auto Loan ABS Tracker. 44

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