Investor Presentaiton

Secured lending performance driven by frequency of default 15% 10% 5% 0% 2019 Cumulative unit loss %1 "Frequency" of loss is primary driver of our materially stronger secured loan loss performance Lower unit defaults reflect borrowers' need of their vehicles to live/work and therefore their prioritization of their car payments Better recoveries for secured vs. unsecured ("severity") helpful, but not main loss driver о 369 12 15 18 21 24 27 30 33 36 Unsecured Personal Secured Personal Direct Auto 20% 2019 Cumulative net charge-off¹ 15% 10% 5% 0% 0 369 12 15 18 21 24 27 30 33 36 Unsecured Personal Secured Personal Direct Auto OneMain Financial. 1. OneMain Direct Auto: Vehicles 0-10 years old only. 2. Represents annualized losses based on 2022 vehicle proceeds. Secured loss sensitivity to used car values 1,2 20 bps higher Direct Auto and 10 bps higher Secured PL losses with 25% stress on our actual 2022 car recovery values 1.9% 2.1% 2.3% 2022 6.0% 6.1% 6.2% 2022 Direct Auto NCO ■Direct Auto NCO w/ 25% sales value drop ■Direct Auto NCO w/ 50% sales value drop ■Secured Personal NCO ■Secured Personal NCO w/ 25% sales value drop ■Secured Personal NCO w/ 50% sales value drop 33

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