Investor Presentaiton

OneMain Social Bond & Social ABS Overview Offering Terms Issued $750MM Social Bond in 2021... first by a U.S.-based High Yield issuer $750MM bond with 2027 maturity at 3.50% coupon Issued in 2Q21 Issued $600MM 3-year Revolving Social ABS in 2022... first Social ABS by a U.S.-based issuer • • $600MM 3-year revolving Social ABS at 4.30% coupon Issued in 2Q22 Use of Proceeds¹ • Proceeds financing a portfolio of OMF loans made to customers residing in counties identified as 'Credit Insecure' or 'Credit-At-Risk' by the Federal Reserve Bank of New York Furthermore, at least 75% of such eligible loans determined to be from racial minorities and/or female • • Proceeds acquire a portfolio of OMF loans with customers residing in rural communities as identified by Claritas PRIZM Premier methodology's urbanicity model Furthermore, at least 75% of such loan portfolio consists of loans made to borrowers who have annual net incomes that are less than or equal to $50,000 Underwriters Long-standing D&I broker partners Academy Securities, Ramirez, Seelaus and Siebert Williams served prominent roles • Long-standing D&I broker partners Academy Securities and Seelaus served prominent roles Second Party Opinion S&P Global Ratings provided a Framework Alignment Opinion confirming our Framework aligns with ICMA's Social Bond Principles (2020) OneMain Financial. • S&P Global Ratings provided a Second Party Opinion confirming our Framework aligns with ICMA's Social Bond Principles (2021) 1. For more information regarding the eligible loans and related criteria please review the OneMain Social Bond Framework and OneMain ABS Social Bond Framework at investor.onemain financial.com. 40

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