Investor Presentaiton

OMF CL ABS performance vs. FinTech/MPL • Deeper ability-to-pay underwriting vs. instant decision algorithms, with income, identity and employment verification Loss performance comparable to prime borrowers and significantly better than nonprime competitors OMFIT performance bolstered by secured collateral composition (~40% secured in OMFIT 2023-2) 20.0% 15.0% 10.0% 5.0% KBRA Marketplace index: annualized net loss rates¹ 16.6% 8.4% 8.1% 0.0% Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Tier 1 Tier 2 OneMain Personal Loans OneMain Financial. 1. KBRA Tier 1 and Tier 2 Consumer Loan Index. 28

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