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Investor Presentaiton

OMFIT 2023-2 overview Capital Structure¹ Class A $1,002,230,000 64.00% • • • • • • OMFIT 2023-2 represents the 21st transaction from the OMFIT shelf since the program's inception in 2014 Compliant with US Risk Retention and EU/UK² Risk Retention requirements The Notes are issued from a discrete trust with a 3-year revolving period Subject to eligibility criteria and concentration limits All Notes, with the exception of the A-2 Note, will be fixed rate Notes. The Class A-2 Notes will be floating rate SOFR Notes The Notes may be optionally called by the Issuer on or after the Payment Date occurring in September 2026 at a redemption price equal to 101% of the Aggregate Note Balance plus accrued interest, coinciding with the end of the revolving period August 31, 2026 If optional redemption not exercised, the Notes will amortize sequentially Credit enhancement will consist of subordinated Notes, overcollateralization, a cash reserve account and excess spread Total Hard Credit Enhancement (% of Collateral): Class A: 36.45% Class B: 26.95% Class B $148,770,000 9.50% Class C $95,530,000 6.10% Class D $153,470,000 9.80% Initial OC $166,010,733 10.60% Reserve Account $7,000,000 0.50%³ • OneMain Financial. 1. Shown as a percentage of total collateral balance. 2. Article 6(3)(d) retention/No Article 7 compliance. 3. Percent of initial note balance. - Class C: 20.85% - - Class D: 11.05% In addition, initial excess spread for the transaction is estimated to be 14.25% per annum 30
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