The preliminary ratings assigned to OneMain Financial Issuance Trust 2021-1's (OMFIT 2021-1) $500.00 million personal consumer loan-backed notes reflect: The availability of approximately 54.9%, 47.8%, 43.0%, and 35.5% credit support to the class A, B, C, and D notes, respectively, in the form of subordination, overcollateralization, a reserve account, and excess spread (see the Credit Enhancement Summary table above for more information). These credit support levels are sufficient to withstand stresses commensurate with the preliminary ratings on the notes based on our stressed cash flow scenarios (see the S&P Global Ratings' Expected Loss section for more information). Our worst-case weighted average base-case loss for this transaction is 12.53%. This base case is a function of the transaction-specific reinvestment criteria, actual