OneMain Financial Performance Overview

Servicing model can quickly respond to a changing economic environment All servicing in-house, on-shore by our team members; critical to control servicing capacity in a downturn Differentiator: we can double collections capacity by shifting ~1,400 team members within 48 hours¹ Time allocation of branch staff 75% Originations, sales and admin. OneMain Financial. Normal economic environment 25% Collections 1. Represents work hours equivalent to -1,400 full-time employees. 50% Originations, sales and admin. Stressed economic environment 50% Collections 29

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