Springleaf Holdings, Inc. (LEAF) August 7, 2014 2Q14 Earnings Presentation Three months ended June 30, 2014

Important Information The following pages are part of a presentation by Springleaf Holdings, Inc. (the "Company") in connection with reporting quarterly financial results and are intended to be viewed as part of that presentation. No representation is made that the information in these pages is complete. For additional financial, statistical and business related information, as well as information regarding business and segment trends, see the earnings release and financial supplement included as exhibits to the Company's Current Report on Form 8-K, which was filed today and the Company’s 2013 Annual Report on Form 10-K, which was filed on April 15, 2014 with the Securities and Exchange Commission and are available on the Company's website (www.springleaf.com) and the SEC's website (www.sec.gov). Forward Looking Statements This presentation contains “forward-looking statements” within the meaning of the U.S. federal securities laws. Forward-looking statements include, without limitation, statements concerning plans, objectives, goals, projections, strategies, future events or performance, our 2014 guidance ranges and underlying assumptions and other statements, which are not statements of historical facts. Statements preceded by, followed by or that otherwise include the words “anticipate,” “appears,” “believe,” “foresee,” “intend,” “should,” “expect,” “estimate,” “project,” “plan,” “may,” “could,” “will,” “are likely” and similar expressions are intended to identify forward-looking statements. These statements involve predictions of our future financial condition, performance, plans and strategies, and are thus dependent on a number of factors including, without limitation, assumptions and data that may be imprecise or incorrect. Specific factors that may impact performance or other predictions of future actions include, but are not limited to: changes in general economic conditions, including the interest rate environment and the financial markets; levels of unemployment and personal bankruptcies; shifts in residential real estate values; shifts in collateral values, delinquencies, or credit losses; natural or accidental events such as earthquakes, hurricanes, tornadoes, fires, or floods; war, acts of terrorism, riots, civil disruption, pandemics, or other events disrupting business or commerce; our ability to successfully realize the benefits of the SpringCastle Portfolio; the effectiveness of our credit risk scoring models; changes in our ability to attract and retain employees or key executives; changes in the competitive environment in which we operate; changes in federal, state and local laws, regulations, or regulatory policies and practices; potential liability relating to real estate and personal loans which we have sold or may sell in the future, or relating to securitized loans; the costs and effects of any litigation or governmental inquiries or investigations; our continued ability to access the capital markets or the sufficiency of our current sources of funds to satisfy our cash flow requirements; our ability to generate sufficient cash to service all of our indebtedness; the potential for downgrade of our debt by rating agencies; and other risks described in the “Risk Factors” section of the Company’s Form 10-K filed with the SEC on April 15, 2014. Forward-looking statements involve known and unknown risks, uncertainties and other factors which may cause the actual results, performance or achievements of the Company to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. We caution you not to place undue reliance on these forward-looking statements that speak only as of the date they were made. We do not undertake any obligation to publicly release any revisions to these forward-looking statements to reflect events or circumstances after the date of this presentation or to reflect the occurrence of unanticipated events. You should not rely on forward looking statements as the sole basis upon which to make any investment decision. 2

Non-GAAP Financial Measure We present core earnings as a “non-GAAP financial measure” in this presentation. This measure is derived on the basis of methodologies other than in accordance with accounting principles generally accepted in the United States of America (“GAAP”). Please refer to the Financial Supplement hereto for a quantitative reconciliation from historical pretax income to pretax core earnings. We also present our segment financial information on a historical accounting basis (which is a basis of accounting other than U.S. GAAP) in this presentation. This information represents a “non-GAAP measure” which uses the same accounting basis that we employed prior to the Fortress Acquisition. This presentation provides a consistent basis to better understand our operating results. Please refer to the Financial Supplement hereto for quantitative reconciliations from our push-down accounting pretax income to our historical pretax income (loss) for the first and second quarter 2014 and the second quarter 2013. 3

Highlights 2Q14 pretax earnings from Core business of $94 million(3) Launched direct auto finance product in June 2014 Sale of $7.2 billion of real estate loans, including $0.5 billion sold in 2Q14(6) – Total pretax net gain of approximately $575 to $625 million 4 (1) Excludes impact of charges related to accelerated repayment/repurchase of debt. (2) Excludes impact of charges related to fair value adjustments on debt and earnings attributable to non-controlling interests. (3) Pretax Core Earnings and Core Earnings (Historical) are non-GAAP measures. See page 21 for a reconciliation of Push-Down Accounting Pretax Income to Pretax Core Earnings. (4) Core Earnings estimated income taxes assumes 37% statutory tax rate. (5) Consumer & Insurance Earnings for 2Q13 includes one time benefit from sale of previously charged-off finance receivables. (6) Reflects historical accounting basis (which is a basis of accounting other than U.S. GAAP) (5) ($ in thousands) 2Q14 1Q14 2Q13 Consumer & Insurance(1) $60,034 $48,822 $79,171 Acquisitions & Servicing(2) 33,957 30,658 46,776 Pretax Core Earnings(3) $93,991 $79,480 $125,947 Estimated Income Taxes(4) (34,777) (29,408) (46,600) Estimated Core Earnings(3) $59,214 $50,072 $79,347 Net Income Attributable to Springleaf $72,389 $52,324 $56,178 Per Share Data Core Earnings per Share - Diluted $0.52 $0.43 $0.79 GAAP Earnings per Share - Diluted $0.63 $0.45 $0.56

$2,414 $2,545 $3,141 $3,159 $3,373 $2,000 $2,250 $2,500 $2,750 $3,000 $3,250 $3,500 12/31/11 12/31/12 12/31/13 3/31/14 6/30/14 $2.5 $3.1 $3.8 $3.8 $4.1 $2.0 $2.5 $3.0 $3.5 $4.0 $4.5 12/31/11 12/31/12 12/31/13 3/31/14 6/30/14 Branch Receivables Growth and Scalability 5 (1) Consumer segment reflects historical accounting basis (which is a basis of accounting other than U.S. GAAP). (2) Quarterly data annualized. (3) Reflects period end data. Proven History of Scalability Consumer Receivables Per Branch ($ mm)(1) Strong Consumer Receivables Growth Consumer Receivables ($ mm)(1) Key Performance Metrics 2012 2013 1Q14 2Q14 Avg. Annual Apps / Branch (2) 2,882 4,908 4,596 6,628 Avg. Annual Closed Loans / Branch (2) 760 949 776 1,023 Outstanding Loans per Branch Employee(3) 226 259 264 276 Total Origination Volume / Branch ($ mm) (2) $3.0 $3.9 $3.5 $4.6

4.0% 3.6% 3.8% 3.2% 5.0% 5.0% 5.1% 18.9% 20.5% 22.0% 22.4% 21.3% 21.9% 21.9% 22.9% 24.1% 25.8% 25.6% 26.3% 26.9% 27.0% 0.0% 5.0% 10.0% 15.0% 20.0% 25.0% 30.0% 2011 2012 2013 2Q13 4Q13 1Q14 2Q14 Net Charge-off Ratio Risk Adjusted Yield Yield 22.9% 24.1% 25.8% 25.6% 26.3% 26.9% 27.0% Charge-offs (4.0%) (3.6%) (3.8%) (3.2%) (5.0%) (5.0%) (5.1%) Risk-Adjusted Yield 18.9% 20.5% 22.0% 22.4% 21.3% 21.9% 21.9% Consumer Loan Performance 6 (1) Delinquency ratio represents UPB 60 days or more past due (greater than three payments unpaid) as a percentage of UPB. (2) Risk Adjusted Yield = Yield less Net Charge-off Rate. (3) Consumer segment reflects historical accounting basis (which is a basis of accounting other than U.S. GAAP). (4) Charge-off rate excludes impact of $14.5 million of additional charge-offs recorded in March 2013 related to our change in charge-off policy, $25.4 million of recoveries on charged-off personal loans resulting from a sale of our previously charged-off finance receivables in June 2013, and $2.7 million of recovery sale buybacks during the last half of 2013. (5) Charge-off rate excludes impact from the sale of charged-off accounts in June 2013. (6) Charge-off rate excludes impact from recovery sale buybacks in 4Q13. Yield and net losses stable in the quarter Delinquency ratio has improved to 2.28%, down 17 bps q-o-q(1) Yield Continues to Trend Up(2,3) (4) (5) (6)

Acquisitions and Servicing Pretax income for 2Q14 of $34 million(1); includes servicing fee income Charge-offs continue to decline Current and previous customer base offers new growth opportunities 7 (1) Excludes impact of charges related to fair value adjustments on debt and earnings attributable to non-controlling interests. (2) At purchase represents data at time of settlement on April 1, 2013. (3) Average balances based on Principal Balance. (4) Charge-off Rate reflects Gross Charge-off calculated as a percentage of Principal Balance. SpringCastle Credit Performance Collateral & Funding Structure Avg. Charge-off Rate (%)(3) (2) 12.1% 10.3% 8.3% 7.0% 8.0% 9.0% 10.0% 11.0% 12.0% 13.0% At Purchase 4Q13 2Q14 At Purchase(2) 12/31/13 6/30/14 Principal Balance $3.8bn $3.2bn $2.9bn Wtd. Avg. Coupon 18.3% 18.3% 18.2% Accounts 415,000 344,000 306,000 Avg. Balance(3) $9,200 $9,300 $9,300 Avg. Charge-off Rate(4) 12.1% 10.3% 8.3% Outstanding Debt (Class A&B) $2.6bn $2.0bn $1.6bn

RE Transaction Overview 8 The mortgage sales essentially complete our mortgage liquidation plans – Significantly reduces long term funding and credit risk – Deleverages the balance sheet (pro forma net leverage of 2.0x at 6/30/14 versus 6.2x at 3/31/14)(1) – Removes majority of earnings volatility caused by real estate losses – Enhances financial flexibility; frees up resources Key Transaction Terms(2) (1) Net leverage reflects Total Debt, net of Cash to Total Equity ratio. (2) Reflects historical accounting basis (which is a basis of accounting other than U.S. GAAP) (3) Securitization interests sold include 2006-1, 2010-1, 2011-1, 2012-1, 2012-2, 2012-3, 2013-1, 2013-2, 2013-3. 2010-1 securitization transaction closed on June 30, 2014. (4) Debt balance includes unamortized discount and fair value adjustments. Total Receivables Sold $7.2 billion Securitized Loans Sold(3) $5.5 billion Non-securitized Loans Sold $1.7 billion Estimated Net Cash Proceeds $3.0 billion (RMBS Debt of $3.6 billion)(4) Projected GAAP Gain $575 to $625 million (pre-tax, before one-time expenses) Closing On or before September 30, 2014 Transaction

Receivables Sold ($ bn) $7.2 Basis (%) 83% Sales Price (%) 91% 1st Lien 100.0% Fixed Rate 95.6% Delinquency 9.3% Coupon 6.6% Total RE Debt $3.6 Receivables ($ bn) $8.1 Basis (%) 83% 1st Lien 93.2% Fixed Rate 94.8% Delinquency 9.5% Coupon 6.9% Total RE Debt $3.7 Receivables ($ bn) $0.8 Basis (%) 86% 1st Lien 27.7% Fixed Rate 91.4% Delinquency 5.6% Coupon 9.5% Total RE Debt $0.0 Mortgage Portfolio Overview at 6/30/14 9 (1) Reflects historical accounting basis (which is a basis of accounting other than U.S. GAAP). Historical receivables includes REO. (2) Pro forma for $5.5bn of securitized loans (2006-1, 2010-1, 2011-1, 2012-1, 2012-2, 2012-3, 2013-1, 2013-2, 2013-3) and for the sale of $1.7bn of non-securitized loans. (3) Basis % is PGAAP net finance receivables, net of allowance plus the carrying value of REO, as a percentage of historical net finance receivables plus the carrying value of REO. (4) Sales price based on June 30, 2014 balances as a percentage of gross receivables. (5) Delinquency calculated using OTS 90+ method (excluding REO); as a percentage of gross receivables. (6) Real Estate segment debt represents only Securitized Debt. Agreement to sell approximately $7.2 billion of real estate mortgage receivables, including $0.5 billion sold on 6/30/14(1); projected net gain of approximately $575 to 625 million Total RE at 3/31/14 Real Estate Sales Pro Forma 6/30/14(2) Projected Net Gain: ~$575 - $625 million (1) (1) (1) (3) (3) (3) (5) (5) (5) (4) (1,6) (1,6) (1,6)

($ in billions) 3/31/14 6/30/14 Pro Forma Consumer $3.2 $3.4 Acquisitions & Servicing 2.3 2.2 Real Estate 8.1 0.8 Other 0.1 0.1 Total $13.7 $6.5 Cash $0.8 $3.9 Total Debt 12.3 8.5 Total Equity 1.8 2.3 D/E 6.7x 3.7x Net Leverage 6.2x 2.0x Historical Net Fin. Rec. Historical Balance Sheet Liquidity and Funding at 6/30/14 Strong and stable liquidity position – $891 million cash and $1.2 billion committed undrawn funding capacity Weighted average cost of funds down to 5.13% in 2Q14, down 25 bps q-o-q (1,2) Sale of $7.2 billion of real estate loans, including $0.5 billion closed on 6/30/14(1) – Pro forma 6/30/14 real estate net finance receivables of $0.8 billion, down from $8.1 billion at 3/31/14 10 (1) Reflects historical accounting basis (which is a basis of accounting other than U.S. GAAP). (2) Includes SpringCastle debt. (3) Pro forma for the sale of $7.2 billion of real estate loans, including $0.5 billion which closed on 6/30/14. Expected after-tax gain from transaction included as part of pro forma Total Equity. (4) Net leverage reflects Total Debt, net of Cash to Total Equity ratio. ` Historical Balance Sheet Before & After Snapshot(1) (4) (3) Unsecured Debt Maturity ($ mm) $750 $47 $344 $797 $375 $2,361 $300 $650 $300 $350 $0 $500 $1,000 $1,500 $2,000 $2,500 $3,000 2014 2015 2016 2017 2018 2019 2020 2021 2023 2067 MTN Retail Notes Jr. Sub Debt

2Q14 Summary Financial Results Growth in consumer net finance receivables per branch continues to drive Core Earnings Launched direct auto finance product in June 2014 Net Income Attributable to Springleaf up from prior quarter and prior year quarter due to: – Strength of Core earnings – Reduced losses from Non-Core real estate portfolio – Gain from sale of ~$540 million of real estate unpaid principal balance; pretax net gain of $35 million 11 (5) (5) (1) Excludes impact of charges related to accelerated repayment/repurchase of debt. (2) Excludes impact of charges related to fair value adjustments on debt and earnings attributable to non-controlling interests. (3) Pretax Core Earnings and Core Earnings (Historical) are non-GAAP measures. See page 21 for a reconciliation of Push-Down Accounting Pretax Income to Pretax Core Earnings. (4) Core Earnings estimated income taxes assumes 37% statutory tax rate. (5) Consumer & Insurance Earnings for 2Q13 includes one time benefit from sale of previously charged-off finance receivables. ($ in thousands) 2Q14 1Q14 2Q13 Consumer & Insurance(1) $60,034 $48,822 $79,171 Acquisitions & Servicing(2) 33,957 30,658 46,776 Pretax Core Earnings(3) $93,991 $79,480 $125,947 Estimated Income Taxes(4) (34,777) (29,408) (46,600) Estimated Core Earnings(3) $59,214 $50,072 $79,347 Net Income Attributable to Springleaf $72,389 $52,324 $56,178 Per Share Data Core Earnings per Share - Diluted $0.52 $0.43 $0.79 GAAP Earnings per Share - Diluted $0.63 $0.45 $0.56

2014 Updated Guidance 12 (1) Net Finance Receivables represents targeted range at 2014 year end; all other metrics represent targeted ranges for the full year 2014. (2) Risk Adjusted Yield = Yield less Net Charge-off Rate. Core Consumer Operations(1) FY 2014E Range Guidance as of 12/31/13 Guidance as of 3/31/14 Guidance as of 6/30/14 Consumer Net Finance Receivables $3.60bn — $3.75bn $3.60bn — $3.75bn $3.70bn — $3.85bn Consumer Yield 26.75% — 27.25% 27.00% — 27.50% 26.85% — 27.35% Consumer Risk Adjusted Yield(2) 22.00% — 23.00% 22.00% — 22.50% 21.85% — 22.35% Acquisitions & Servicing Pretax Income $85mm — $105mm $95mm — $115mm $100mm — $120mm

13 Financial Supplement

Consolidated Balance Sheet (Push Down Accounting) 14 (1) Reflects historical accounting basis (a non-GAAP measure). 6/30/14 12/31/13 1 Cash and Cash Equivalents $891,341 $431,409 2 Investment Securities 657,483 582,090 3 Net Finance Receivables: 4 Personal Loans & Retail Sales Finance 3,475,754 3,270,615 5 SpringCastle Portfolio 2,202,380 2,505,349 6 Real Estate Loans 6,341,257 7,982,349 7 Total Net Finance Receivables 12,019,391 13,758,313 8 Allowance for Finance Rec. Losses 9 Net Finance Receivables, Less Allowance 11,651,119 13,424,988 10 Restricted Cash 487,160 536,005 11 Other Assets 396,255 428,194 12 Total Assets $14,083,358 $15,402,686 13 Long-Term Debt $11,261,023 $12,769,036 14 Insurance Claims and Policyholder Liabilities 412,492 394,168 15 Deferred and Accrued Taxes 142,174 145,520 16 Other Liabilities 202,041 207,334 17 Total Liabilities 12,017,730 13,516,058 18 Springleaf Holdings, Inc. Shareholders' Equity 1,678,078 1,540,020 19 Non-Controll ing Interests 387,550 346,608 20 Total Shareholders' Equity 2,065,628 1,886,628 21 Total Liabilities and Shareholders' Equity $14,083,358 $15,402,686 22 Net Finance Receivables 1 $13,016,571 $15,130,140 23 Allowance for Receivable Losses 1 ($977,619) ($1,073,838) 24 Debt 1 $11,913,120 $13,494,350 25 Quarterly Interest Rate 1 5.13% 5.19%

Consolidated Income Statement (Push Down Accounting) 15 Note: Core Earnings is a non-GAAP measure. Refer to page 21 for reconciliations to U.S. GAAP. (1) Core earnings include Consumer, Insurance (which are reported on a historical basis), and Acquisition & Servicing segments. Core earnings per share assumes 37% statutory tax rate. (unaudited, in thousands, except per share statistics) 2Q14 1Q14 2Q13 1 Interest Income $532,750 $552,637 $580,597 2 Interest Expense (191,301) (205,420) (240,418) 3 Provision for Finance Receivable Losses (115,347) (160,878) (82,311) 4 Net Interest Income after Provision 226,102 186,339 257,868 5 Insurance 42,687 38,419 35,967 6 Investment 10,622 9,461 10,598 7 Net Loss on Repurchases and Repayments of Debt 0 (6,615) (237) 8 Net Gain (Loss) on Fair Value Adjustments on Debt 482 (16,867) 752 9 Net Gain on Sales of Real Estate Loans and Related Trust Assets 34,800 55,186 0 10 Other 2,752 1,820 4,510 11 Total Other Revenues 91,343 81,404 51,590 12 Operating Expenses (151,346) (150,228) (149,231) 13 Insurance Losses and Loss Adjustment Expenses (18,667) (18,365) (16,346) 14 Total Other Expenses (170,013) (168,593) (165,577) 15 Pretax Income 147,432 99,150 143,881 16 Less: Non Control l ing Interests (30,289) (16,308) (54,740) 17 Pretax Income Attributable to Springleaf 117,143 82,842 89,141 18 Income Taxes (44,754) (30,518) (32,963) 19 Net Income Attributable to Springleaf $72,389 $52,324 $56,178 20 Average Shares Outstanding - Di luted 115,176 115,145 100,000 21 Earnings per Share - Di luted $0.63 $0.45 $0.56 22 Estimated Core Earnings per Share - Di luted 1 $0.52 $0.43 $0.79

Core Earnings (Non-GAAP) 16 Note: Core Earnings is a non-GAAP measure. Refer to page 21 for reconciliations to U.S. GAAP. (1) Includes the non-controlling interests of the net gain (loss) on fair value adjustments on debt. (2) Core earnings estimated income taxes assumes 37% statutory tax rate. (unaudited, in thousands) 2Q14 1Q14 2Q13 1 Interest Income $357,440 $355,622 $338,974 2 Interest Expense (59,012) (62,920) (60,716) 3 Provision for Finance Receivable Losses (88,275) (98,225) (11,850) 4 Net Interest Income after Provision 210,153 194,477 266,408 5 Insurance 42,672 38,406 35,956 6 Investment 11,661 10,268 13,093 7 Intersegment - Insurance Commissions (155) (58) (2) 8 Portfol io Servicing Fees from SpringCastle 17,079 18,189 2,380 9 Other 1 3,148 (6,413) 3,010 10 Total Other Revenues 74,405 60,392 54,437 11 Operating Expenses (124,338) (122,281) (121,222) 12 Portfol io Servicing Fees to Springleaf (17,079) (18,189) (2,380) 13 Insurance Losses and Loss Adjustment Expenses (18,861) (18,611) (16,556) 14 Total Other Expenses (160,278) (159,081) (140,158) 15 Pretax Core Earnings 124,280 95,788 180,687 16 Less: Non Control l ing Interests (30,289) (16,308) (54,740) 17 Pretax Core Earnings Attributable to Springleaf 93,991 79,480 125,947 18 Estimated Income Taxes 2 (34,777) (29,408) (46,600) 19 Estimated Core Earnings Attributable to Springleaf $59,214 $50,072 $79,347

Core: Consumer & Insurance Segments 17 Note: Consumer & Insurance segments reflect historical accounting basis (which is a basis of accounting other than U.S. GAAP). (1) The charge-off ratios for 2Q13 exclude $25.4 million of recoveries on charged-off personal loans resulting from a sale of our previously charged-off finance receivables in June 2013. (unaudited, in thousands) 2Q14 1Q14 2Q13 1 Interest Income $220,396 $209,695 $170,604 2 Interest Expense (40,905) (40,726) (36,125) 3 Provision for Finance Receivable Losses (47,876) (45,275) 5,947 4 Net Interest Income after Provision 131,615 123,694 140,426 5 Insurance 42,672 38,406 35,956 6 Investment 11,661 10,268 13,093 7 Intersegment - Insurance Commissions (155) (58) (2) 8 Net Loss on Repurchases and Repayments of Debt 0 (1,429) (1,500) 9 Other 2,581 2,218 2,929 10 Total Other Revenues 56,759 49,405 50,476 11 Operating Expenses (109,479) (107,095) (96,675) 12 Insurance Losses and Loss Adjustment Expenses (18,861) (18,611) (16,556) 13 Total Other Expenses (128,340) (125,706) (113,231) 14 Pretax Operating Income $60,034 $47,393 $77,671 15 Net Finance Receivables $3,373,151 $3,159,163 $2,807,908 16 Average Net Receivables $3,266,701 $3,138,022 $2,676,283 17 Yield 27.03% 26.93% 25.57% 18 Gross Charge-Off Ratio 5.80% 5.56% 4.36% 19 Recovery Ratio 1 -0.68% -0.55% -1.19% 20 Charge-Off Ratio 1 5.12% 5.01% 3.17% 21 Del inquency Ratio 2.28% 2.45% 1.92% 22 Origination Volume $948,511 $721,816 $900,350

Core: Acquisitions & Servicing Segment 18 (1) Springleaf incurs 47% of servicing expenses. The remaining 53% is netted through non-controlling interests. (2) Principal Balance is a non-GAAP measure. (unaudited, in thousands) 2Q14 1Q14 2Q13 1 Interest Income $137,044 $145,927 $168,370 2 Interest Expense (18,107) (22,194) (24,591) 3 Provision for Finance Receivable Losses (40,399) (52,950) (17,797) 4 Net Interest Income after Provision 78,538 70,783 125,982 5 Portfol io Servicing Fees from SpringCastle 17,079 18,189 2,380 6 Net Gain (Loss) on Fair Value Adjustments on Debt 535 (16,867) 0 7 Other 283 309 81 8 Total Other Revenues 17,897 1,631 2,461 9 Operating Expenses (14,859) (15,186) (24,547) 10 Portfol io Servicing Fees to Springleaf 1 (17,079) (18,189) (2,380) 11 Total Other Expenses (31,938) (33,375) (26,927) 12 Pretax Operating Income 64,497 39,039 101,516 13 Less: Non Control l ing Interests 1 (30,289) (16,308) (54,740) 14 Pretax Operating Income Attributable to Springleaf $34,208 $22,731 $46,776 15 Net Finance Receivables $2,202,381 $2,342,576 $2,819,072 16 Average Net Receivables $2,269,859 $2,425,968 $2,881,989 17 Principal Balance2 $2,850,771 $3,013,781 $3,567,035 18 Yield 24.22% 24.40% 23.43%

Non-Core: Real Estate Segment 19 Note: Real Estate segment reflects historical accounting basis (which is a basis of accounting other than U.S. GAAP). (1) The loss ratio for 1Q14 excludes $2.2 million of recoveries on charged-off real estate loans resulting from a sale of our previously charged-off real estate loans in March 2014, net of a $0.2 million reserve for subsequent buybacks. (2) The loss ratio for 2Q13 excludes $9.9 million of recoveries on charged-off real estate loans resulting from a sale of our previously charged-off finance receivables in June 2013. (unaudited, in thousands) 2Q14 1Q14 2Q13 1 Interest Income $136,639 $155,044 $177,477 2 Interest Expense (95,492) (111,797) (141,530) 3 Provision - TDR (21,087) (45,141) (55,779) 4 Provision - Non-TDR 615 (16,187) (10,231) 5 Net Interest Income (Loss) after Provision 20,675 (18,081) (30,063) 6 Intersegment - Insurance Commissions 152 70 30 7 Net Loss on Repurchases and Repayments of Debt 0 (10,023) (19,600) 8 Net Gain on Fair Value Adjustments on Debt 0 8,298 18,247 9 Net Loss on Sales of Real Estate Loans and Related Trust Assets (22,819) (62,176) 0 10 Other (78) (1,351) 1,551 11 Total Other Revenues (22,745) (65,182) 228 12 Operating Expenses (20,386) (21,619) (19,938) 13 Total Other Expenses (20,386) (21,619) (19,938) 14 Pretax Operating Loss ($22,456) ($104,882) ($49,773) 15 Net Finance Receivables $7,322,660 $8,083,432 $9,924,957 16 Average Net Receivables $7,880,857 $9,048,824 $10,086,897 17 TDR Finance Receivables $2,972,335 $3,048,969 $3,066,686 18 Loss Ratio 1,2 1.94% 1.72% 2.76% 19 Delinquency Ratio 8.80% 8.32% 7.47%

Non-Core: Other Segment 20 Note: Other segment reflects historical accounting basis (which is a basis of accounting other than U.S. GAAP). (unaudited, in thousands) 2Q14 1Q14 2Q13 1 Interest Income $4,311 $5,104 $12,287 2 Interest Expense (1,830) (2,143) (4,007) 3 Provision for Finance Receivable Losses (4,302) (965) 6,739 4 Net Interest (Loss) Income after Provision (1,821) 1,996 15,019 5 Insurance 16 16 20 6 Investment (5) 29 111 7 Intersegment - Insurance Commissions 3 (12) (28) 8 Net Loss on Repurchases and Repayments of Debt 0 (47) (271) 9 Other (34) 644 (163) 10 Total Other Revenues (20) 630 (331) 11 Operating Expenses (5,716) (5,377) (6,966) 12 Total Other Expenses (5,716) (5,377) (6,966) 13 Pretax Operating (Loss) Income ($7,557) ($2,751) $7,722 14 Net Finance Receivables $118,379 $123,055 $244,442

Reconciliation – Push-Down Accounting to Historical / Pretax Core Earnings 21 (1) Pretax earnings attributable to Springleaf Holdings, Inc. (SHI), which excludes non-controlling interests. (unaudited, in thousands) 2Q14 1Q14 2Q13 1 Push-Down Accounting Pretax Income Attributable to Springleaf 1 $117,143 $82,842 $89,141 2 Interest Income (34,360) (36,867) (51,859) 3 Interest Expense 34,967 28,560 34,165 4 Provision for Finance Receivable Losses 2,298 360 11,190 5 Net Interest Income (Loss) after Provision 2,905 (7,947) (6,504) 6 Insurance 1 3 9 7 Investment 1,034 836 2,606 8 Repurchases and Repayments of Debt 0 (4,884) (21,134) 9 Fair Value Adjustments on Debt 53 8,298 17,495 10 Sales of Real Estate Loans and Related Trust Assets (57,619) (117,362) 0 11 Other 0 0 (112) 12 Total Other Revenues (56,531) (113,109) (1,136) 13 Operating Expenses 906 951 1,105 14 Insurance Losses and Loss Adjustment Expenses (194) (246) (210) 15 Total Other Expenses 712 705 895 16 Historical Pretax Income (Loss) Attributable to Springleaf 1 $64,229 ($37,509) $82,396 Adjustments: 17 Pretax Operating Loss - Non-Core Portfol io Operations 22,456 104,882 49,773 18 Pretax Operating Loss (Income) - Other / Non-Originating Legacy Operations 7,557 2,751 (7,722) 19 Net Loss from Accelerated Repayment / Repurchase of Debt - Consumer 0 1,429 1,500 20 Net (Gain) Loss on Fair Value Adjustments on Debt - Core Consumer Operations (attributable to Springleaf) (251) 7,927 0 21 Total Adjustments 29,762 116,989 43,551 22 Pretax Core Earnings Attributable to Springleaf 1 $93,991 $79,480 $125,947

Appendix: Consumer Loan Credit Performance 22 Charge-off Trends(1) (1) Consumer segment reflects historical accounting basis (which is a basis of accounting other than U.S. GAAP). (2) The net charge-off ratio for 1Q13 excludes $14.5 million of additional charge-offs recorded in March 2013 related to our change in charge-off policy for personal loans. (3) The net charge-off ratio for 2013 excludes $22.7 million of recoveries on charged-off personal loans resulting from a sale of our charged-off finance receivables in June 2013, net of a $2.7 million adjustment for the subsequent buyback of certain personal loans. Gross Charge-off Recovery Net Charge-off Ratio (2) Gross Charge-off Net Charge-off Recovery (3) (3) (3) June 2013: Sale of C/O Accounts 3.84% 3.63% 4.30% 3.65% 2.67% 2.88% 4.45% 3.18% 3.17% 3.81% 5.02% 5.01% 5.12% 4.96% 5.30% 4.00% 5.63% 4.36% 5.49% 5.80% 1.12% 1.00% 1.33% 1.18% 1.19% 0.47% 0.68% 0.0% 1.5% 3.0% 4.5% 6.0% 7.5% 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 2Q14