OneMain Financial Performance Overview

Consumer Loan ABS comps OneMain's focus on ability-to-pay-underwriting, thorough verification, secured lending, lower-loss repeat customers, and high-impact servicing are key differentiators Branch Based Lender Non-prime Prime OneMain Financial. OPORTUN Lendmark Financial Services MARINER REGIONAL MANAGEMENT AVANT LendingClub L LendingClub SoFi PROSPER MARLETTE FINANCE LENDINGPOINT. OMFIT OPTN 2019-2 2019-A LFT 2019-2 MFIT 2019-A RMIT 2019-1 AVNT 2019-B CLUB 2018-NP1 LP 2019-2 CLUB 2020-P1 SCLP 2020-1 PMIT 2019-4 MFT 2020-1 Collateral Characteristics Avg. Loan Bal $7,457 $3,003 $4,621 $2,711 $5,143 $5,736 $7,301 $18,181 $16,049 $30,691 $11,856 $14,395 WA APR/WAC 26.9% 32.5% 26.9% 27.2% 30.4% 24.9% 1 27.0% 21.9% 11.2% 11.3% 2 14.3% 13.5% WA FICO 629 639 4 6233 631 637 650 639 669 713 753 715 720 WA Orig Term (months) 56 31 49 39 45 35 38 44 46 53 46 46 WA Rem Term (months) 48 28 41 30 43 33 34 37 44 49 38 44 Secured % 40.1% 0.0% 50.0% 33.6% 2.4% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% Original Term 0-36 3.7% 64.1% 39.7% 48.8% 26.4% 92.0% 90.2% 26.7% 59.2% 25.1% 59.8% 56.4% 37-48 15.7% 35.9% 34.1% 41.8% 44.8% 7.7% 0.0% 65.3% 0.0% 18.6% 0.0% 0.0% 49-60 58.0% 0.0% 26.3% 6.8% 28.8% 0.3% 9.8% 8.0% 40.8% 45.0% 40.2% 43.6% 61+ 0.2% 0.0% 0.0% 2.7% 0.0% 0.0% 0.0% 0.0% 0.0% 11.3% 0.0% 0.0% Senior Bond Statistics Total Bonds Sold ($mm) $651 $250 $400 $325 $130 $328 $287 $175 $240 $372 $132 $257 Senior Bond Rating AAA / AAA NR / A+ A/AA5 AA / AA- NR/AA5 NR / A- NR / A- NR / A- NR / A+ AAA / AAA NR / A- (S&P/KBRA) Hard Credit Enhancement 31.7% Spread (bps) / Yield WAL RA Loss Assumption Kroll Base Case Loss KBRA Loss Cum./Ann. +150 / 3.2% 7.90 30.0% +130 / 3.1% 3.02 19.6% +125/2.8% 3.58 27.5% +125 / 2.9% 3.49 26.0% +150/3.1% 2.62 29.6% +77 / 3.1% 0.58 49.5% +72/3.1% 0.44 41.7% +130 / 3.1% 0.58 35.5% +65 / 2.3% 0.83 25.7% +50 / 2.0% 1.28 33.3% +75 / 2.5% 0.89 NR/AAA 45.3% +55 / 2.3% 0.86 8.1 - 10.1% 8.2% -10.2% Annualized Cumulative 9.8% 5 Annualized 5 9.8% 11.8% Annualized 8.8% Annualized 5 5 14.1% 16.1% 19.4% -21.4% 13.6 % 15.6% 7.4% -9.4% Cumulative Cumulative Cumulative Cumulative 4.8% -6.8% Cumulative 11% -13% Cumulative 7.8% -9.8% Cumulative OneMain Financial 1. Represents APR. 2. WAC or APR designation not disclosed. 3. Represents Beacon Scores. 4. Represents Vantage Scores. 5. DBRS Ratings. 39

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