Our results are highlighted by receivable growth from increasing high quality originations, robust growth in total revenue, ongoing disciplined expense management, and steady improvement in credit performance.

Apr 29, 2025 / receipt, needs a key / Jenny Osterhout, CFO | earnings call 2025-04-29 | transcript a2a65ec3-d205-4762-b28c-26c4d84c5a99 | chars 10240-10449 | segment 10

We are always disciplined in our expense management and closely evaluate where to invest and where to cut.

Apr 30, 2024 / receipt, needs a key / Doug Shulman, CEO | earnings call 2024-04-30 | transcript 5a1634cc-e926-44fb-92b0-2c0d3d89cfcc | chars 6535-6641 | segment 6

Other expenses increased $19 million or 4% and $66 million or 7% in the three and six months ended June 30, 2026 when compared to the same period in 2025 driven by increases in general operating expenses and salaries and benefits expense due to growth in receivables and our strategic investments in the business, as well as restructuring charges in the current period not present in the prior period.

filing / Jul 30, 2026 / receipt

Restructuring charges 5 - 12 - Other 1 - 3 1 Adjusted pretax income (non-GAAP) 201 231 506 507 Provision for finance receivable losses 610 511 1,075 967 Net charge-offs (506) (446) (1,018) (919) Pretax capital generation (non-GAAP) $ 305 $ 296 $ 563 $ 555 51 Table of Contents Segment Results The results of OMFC are consolidated into the results of OMH.

filing / Jul 30, 2026 / receipt

• leveraging our scale and cost discipline across the Company to deliver improved operating leverage; and • maintaining a strong liquidity level with diversified funding sources.

filing / Jul 30, 2026 / receipt

Based on the evaluation, the Chief Executive Officer and the Chief Financial Officer concluded that OMH’s disclosure controls and procedures were effective as of June 30, 2026 to provide the reasonable assurance described above.

filing / Jul 30, 2026 / receipt

Based on the evaluation, the Chief Executive Officer and the Chief Financial Officer concluded that OMFC’s disclosure controls and procedures were effective as of June 30, 2026 to provide the reasonable assurance described above.

filing / Jul 30, 2026 / receipt

Other expenses increased $48 million or 11% in the three months ended March 31, 2026 when compared to the same period in 2025 driven by increases in salaries and benefits expense and general operating expenses due to growth in receivables and our strategic investments in the business, as well as restructuring charges in the current period not present in the prior period.

filing / May 1, 2026 / receipt

Restructuring charges 7 - Other 2 - Adjusted pretax income (non-GAAP) 305 275 Provision for finance receivable losses 465 456 Net charge-offs (512) (473) Pretax capital generation (non-GAAP) $ 258 $ 258 47 Table of Contents Segment Results The results of OMFC are consolidated into the results of OMH.

filing / May 1, 2026 / receipt

• leveraging our scale and cost discipline across the Company to deliver improved operating leverage; and • maintaining a strong liquidity level with diversified funding sources.

filing / May 1, 2026 / receipt

Based on the evaluation, the Chief Executive Officer and the Chief Financial Officer concluded that OMH’s disclosure controls and procedures were effective as of March 31, 2026 to provide the reasonable assurance described above.

filing / May 1, 2026 / receipt

Based on the evaluation, the Chief Executive Officer and the Chief Financial Officer concluded that OMFC’s disclosure controls and procedures were effective as of March 31, 2026 to provide the reasonable assurance described above.

filing / May 1, 2026 / receipt