OneMain Financial Performance Overview

Direct Auto cumulative net loss performance OneMain performance highly consistent across vintages All vintages substantially below rating agency class D (BBB) 14.5% stress first dollar loss scenario1 OneMain combined DA annual vintage cumulative net loss 2,3 16.0% 14.0% 12.0% 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% 0 3 6 OneMain Financial 6 0.70% ODART 2019-1 Rating Agency Class D CNL Curve 2.0% 2.5% 12 15 18 21 24 27 30 33 36 39 42 45 45 2014 2015 2016 2017 2018 14.5% 3.0% 2.7% 48 1. Source: Internal Company Analysis; S&P ODART 2019-1 Presale. 2. Direct Auto vehicles aged 0-8 years only. 3. Combined annual "OMH" Direct Auto Cumulative Net Loss; Legacy OneMain "OMFH" reflects Gross Loss until system conversion (Q1 2017). 43 33

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