Document:

EX-10.43

 Exhibit 10.43 

EXECUTED VERSION 
 LOAN
TRUST AGREEMENT 
 This Loan Trust Agreement (the “Trust Agreement”) is entered into as of February 3,
2015, between OneMain Financial Warehouse, LLC, a Delaware limited liability company (the “Depositor”), and Wells Fargo Bank, N.A., a national banking association duly organized and existing under the laws of the United States of
America (“Wells Fargo”), as Depositor Loan Trustee for the Depositor (in such capacity, the “Depositor Loan Trustee”). 

WHEREAS, the Depositor, the Depositor Loan Trustee and the Sellers party thereto are party to the Loan Purchase Agreement, pursuant to which
the Sellers have sold to the Depositor of all of their right, title and interest in and to the Loans; 
 WHEREAS, pursuant to this Trust
Agreement, the Depositor desires the Depositor Loan Trustee to acquire and hold all right, title and interest in and to the Loans purchased by the Depositor pursuant to the Loan Purchase Agreement in trust for the benefit of the Depositor; and 

WHEREAS, the parties hereto desire and intend to create the trusts set forth herein and the Depositor Loan Trustee agrees to be charged with
and accept the trusts and duties set forth in this Trust Agreement; 
 NOW THEREFORE, for and in consideration of the mutual covenants
contained herein the parties hereto hereby agree as follows: 
 ARTICLE I 

DEFINITIONS AND INTENT 

Section 1.1 Definitions. Certain capitalized terms in this Trust Agreement are defined in and shall have the respective meanings
assigned to them in Part A of Schedule II (together with Part B of such Schedule II, the “Definitions Schedule”) to the Sale and Servicing Agreement of even date herewith among the Depositor, the Depositor Loan Trustee, OneMain
Financial, Inc., a Delaware corporation, as servicer (in such capacity, the “Servicer”), the Subservicers party thereto, OneMain Financial Warehouse Trust, a statutory trust created under the laws of the State of Delaware (the
“Issuer”) and Wells Fargo, not in its individual capacity but solely as loan trustee for the benefit of the Issuer (in such capacity, the “Issuer Loan Trustee”). The rules of construction set forth in Part B of the
Definitions Schedule shall be applicable to this Trust Agreement. In addition, with respect to all terms used in this Trust Agreement, the singular includes the plural and the plural includes the singular; words importing any gender include the
other gender; references to “writing” include printing, typing, lithography and other means of reproducing words in a visible form; references to agreements and other contractual instruments include schedules and exhibits thereto and all
subsequent amendments, modifications and changes thereto or therein entered into in accordance with their respective terms and not prohibited by this Trust Agreement; references to Persons include their permitted successors and assigns; and the
terms “include” or “including” mean “include without limitation” or “including without limitation.” 

 In addition, the following terms used herein, including in the preamble, recitals, exhibits and
schedules hereto, shall have the following meanings: 
 “Confidential Information” means non-public information
relating to the Loans or the related Loan Obligors that is either written or stored electronically and marked “Confidential” by the Depositor, the Custodian, the Servicer or any Seller. 

“Other Document” has the meaning specified in Section 2.6(c) of this Trust Agreement. 

“Treasury Regulations” means the regulations promulgated under the Internal Revenue Code, as the same may be hereafter
amended from time to time, or any successor or successors to such regulations. 
 Section 1.2 Intent of the Parties Hereto.
This Trust Agreement and all documents, agreements, understandings and arrangements relating to this Trust Agreement which are executed by the Depositor Loan Trustee have been executed by the Depositor Loan Trustee solely for the purpose of having
the legal and record title to the Loans held by a federal depository institution and the Depositor hereby agrees that the Depositor Loan Trustee shall be accorded appropriate protection for its limited role herein pursuant to the indemnity herein
and that the Depositor Loan Trustee (its officers, directors, employees and agents) shall not have any liability thereunder or hereunder except as expressly set forth herein, including, without limitation, liability which may be incurred as a result
of actions or inactions of the Depositor or any of its affiliates, subject to the terms of applicable laws, rules and regulations. The Depositor agrees that it will not seek recourse or commence any action against the Depositor Loan Trustee (or its
officers, directors, employees or agents) or any of their personal assets for the performance or payment of any obligation thereunder or hereunder and the Depositor Loan Trustee shall not be liable for its actions or inactions, including its
negligence, in the performance of its duties hereunder; provided that the Depositor Loan Trustee shall be liable for actual damages (but not consequential or exemplary damages) proximately caused by its gross negligence or willful misconduct
in the performance of its duties hereunder. The parties hereto intend that this Trust Agreement is for their benefit only and not for the benefit of any third party. The parties hereto agree that each and every provision of this Trust Agreement is
subject to this paragraph. 
 ARTICLE II 

PURPOSE; CREATION OF TRUST; AUTHORITY TO ENTER INTO AND EXECUTE 

DOCUMENTS; ACCEPTANCE OF TRUST 

Section 2.1 Purpose. The trust hereby established shall be referred to as “OneMain Financial Warehouse Depositor Loan Trust”
(the “Trust”). The Trust is formed, entered into and intended by the Depositor and the Depositor Loan Trustee for the purpose of (a) providing for the Depositor Loan Trustee to hold all right, title and interest to the Loans
for the benefit of the Depositor and (b) the Depositor Loan Trustee to enter into and comply with the Loan Purchase Agreement, the Sale and Servicing Agreement and any other applicable Transaction Document. 

  
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 Section 2.2 Creation and Acceptance of Trust. The Depositor shall cause all legal and
record right, title and interest in the Loans to be held by the Depositor Loan Trustee; which Loans shall be held, administered and pledged and the proceeds thereof applied in accordance with the terms of the Transaction Documents for the benefit of
the Depositor. At the written request of the Depositor hereunder, the Depositor Loan Trustee hereby agrees to accept and hold all legal right, title and interest in the Loans without liability or responsibility at acceptance or otherwise for the
condition or validity of such right, title and interest, in trust for the use and benefit of the Depositor. 
 Section 2.3 Authority to
Enter Into and Execute Documents. 
 (a) The Depositor hereby authorizes and directs the Depositor Loan Trustee to enter into, execute
and deliver any and all agreements, documents or certificates as the Depositor may request in writing from time to time which may be required in connection with performing its duties and obligations with respect to Loans under this Trust Agreement,
the Loan Purchase Agreement, the Sale and Servicing Agreement, the Back-up Servicing Agreement or any other Transaction Document or otherwise to give effect to the transactions contemplated hereby and thereby. The Depositor hereby authorizes and
directs the Depositor Loan Trustee to execute and deliver the Loan Purchase Agreement, the Sale and Servicing Agreement and the Back-up Servicing Agreement. 

(b) The Depositor Loan Trustee hereby authorizes the Depositor to enter into, execute, deliver and perform any and all agreements, documents
or certificates as the Depositor Loan Trustee may be requested or required to undertake in connection with performing its duties and obligations with respect to the Loans under any Transaction Document, including but not limited to the execution of
each Additional Loan Assignment pursuant to the Loan Purchase Agreement. In connection with the enforcement of any rights of the Depositor Loan Trustee with respect to any Loan, the Depositor Loan Trustee shall furnish the Depositor with any powers
of attorney in substantially the form attached as Exhibit A hereto and any other documents reasonably necessary or appropriate to enable the Depositor to enforce such rights on behalf of the Depositor Loan Trustee. 

Section 2.4 Duties of the Depositor Loan Trustee. The Depositor Loan Trustee, by execution hereof, covenants, represents and agrees
that: 
 (a) it shall accept and hold for the benefit of the Depositor as herein set forth all such legal and record right,
title and interest in the Loans that are transferred and assigned to it at the request of the Depositor pursuant to this Trust Agreement; 

(b) it is, and shall be, a “federal depository institution,” as defined in 12 U.S.C. Section 1813(c)(4) under
the National Bank Act, as amended; 
 (c) if requested by the Depositor (with respect to Loans held on behalf of the
Depositor under this Trust Agreement) in a reasonably detailed writing that sets forth sufficient information and instructions, the Depositor Loan Trustee shall take commercially reasonable efforts to execute, deliver and perform the Loan Purchase
Agreement, the Sale and Servicing Agreement and the other Transaction Documents and 

  
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all other agreements, documents or certificates required under the Loan Purchase Agreement, the Sale and Servicing Agreement and any other agreements, instruments or documents relating, directly
or indirectly, to the servicing, administration, sale, exchange, assignment or transfer of Loans; 
 (d) at the written
direction of the Depositor, the Depositor Loan Trustee shall take commercially reasonable efforts to sell, exchange or otherwise deal with the Loans; 

(e) at the written direction of the Depositor, the Depositor Loan Trustee shall take commercially reasonable efforts to enter
into the Loan Purchase Agreement and thereafter comply with the terms thereof and take such actions as are necessary and reasonably directed to convey, transfer, assign, pledge and grant a lien on and security interest in all of its legal and record
right, title and interest in and to the Loans in accordance with the Loan Purchase Agreement; 
 (f) at the written direction
of the Depositor, the Depositor Loan Trustee shall take commercially reasonable efforts to take such actions as are necessary or appropriate in order for the Depositor to obtain the full value and benefits of the Loans held on behalf of the
Depositor under this Trust Agreement; 
 (g) it shall hold all Confidential Information pertaining to the Loans in the same
manner that it holds its own confidential information and it agrees not to use Confidential Information for any purpose other than for the limited purpose of performing its obligations under this Trust Agreement; 

(h) it shall not take any action where it has actual knowledge that such action would cause it or the Depositor to be in breach
of any of the terms and provisions of, or constitute (with or without notice or lapse of time or both) a default, under any Transaction Document; and 

(i) it shall execute such agreements and documents as directed in writing by the Depositor providing for the administration of
and receipt by the Depositor of the cash flows and other permissible interests in the Loans. 
 Section 2.5 Duties of the Depositor.
The Depositor, by the execution hereof, covenants, represents, warrants and agrees that: 
 (a) it shall accept, hold and
maintain the beneficial interest in each Loan free of any claims, liens or encumbrances; 
 (b) it shall promptly take all
necessary actions to perform its obligations hereunder and to support the Depositor Loan Trustee in the prompt and full performance of its obligations hereunder; 

(c) on an annual basis, but no later than June 30 of each year, beginning on June 30, 2015, it shall deliver a report
to the Depositor Loan Trustee regarding servicing relationships and give notice to the Depositor Loan Trustee of any addition or termination of any servicer relationship and of any change in the performance status of the Servicer or the applicable
Subservicer. 

  
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 (d) on an annual basis, but no later than June 30 of each year, beginning on
June 30, 2015, it shall provide the Depositor Loan Trustee a certificate of an officer of the Depositor stating that the Depositor is not in default and has not been in default since the delivery of the last such certificate with respect to
this Trust Agreement; 
 (e) it shall not use the name of the Depositor Loan Trustee in any promotional materials, brochures,
web site or web site content, promotional or informational letters or other written materials or oral discussions, except that the Depositor may use the name of the Depositor Loan Trustee (i) to indicate in the relevant loan documentation the
holder of legal and record title of such loans and (ii) in any documents in which the Depositor is required by law to specify the holder of legal and record title to the Loans. Specifically, the Depositor Loan Trustee expressly consents to the
Depositor using the name of the Depositor Loan Trustee in any report or disclosure required by any Governmental Authority where the Depositor is required to specify the holder of legal and record title to the Loans. In so using the Depositor Loan
Trustee’s name, it will ensure that there is no misconception as to the Depositor Loan Trustee’s role hereunder and that the Depositor Loan Trustee is acquiring the Loans solely as Depositor Loan Trustee for the benefit of the Depositor
and not in its individual capacity; 
 (f) no information furnished by the Depositor to the Depositor Loan Trustee in
connection with the negotiation of this Trust Agreement contains any material misstatement of fact or omitted to state any material fact necessary to make the statements contained herein not misleading; and 

(g) it shall not direct the Depositor Loan Trustee to take any action hereunder that is not in compliance with any Transaction
Document and it shall not direct the Depositor Loan Trustee to take any action that would cause the Depositor or the Depositor Loan Trustee to be in breach of any of the terms or provisions of, or constitute (with or without notice or lapse of time
or both) a default, under any Transaction Document. 
 Section 2.6 Acceptance of Duties; Concerning the Depositor Loan Trustee. 

(a) The Depositor Loan Trustee accepts the trusts hereby created and agrees to perform the duties and only the duties specifically set forth
in this Trust Agreement and no implied covenants or obligations shall be read into the trust created hereby against the Depositor Loan Trustee. The Depositor Loan Trustee shall not be answerable or accountable under any circumstances except for its
gross negligence or willful misconduct. 
 (b) In particular, but not by way of limitation: 

(i) the Depositor Loan Trustee shall not be personally liable for any error of judgment made in good faith by any of its
officers or employees absent gross negligence or willful misconduct; 

  
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 (ii) under no circumstances shall the Depositor Loan Trustee be personally liable
for any representation, warranty, covenant, obligation or indebtedness or obligation of any other Person; 
 (iii) the
Depositor Loan Trustee shall not be personally liable for or in respect of the validity or sufficiency of this Trust Agreement or for the due execution hereof by any other Person or for the value of the Trust property; 

(iv) the Depositor Loan Trustee shall not be liable for the default or misconduct of the Depositor, the Servicer or any
Subservicer and shall not be liable for any act or omission taken at the direction of the Depositor; 
 (v) the Depositor
Loan Trustee shall not be personally liable for (x) punitive, special or consequential damages, however styled, including, without limitation, lost profits, (y) the acts or omissions of any nominee, correspondent, clearing agency or
securities depository through which it holds the Trust’s assets or (z) any losses due to forces beyond the reasonable control of the Trustee, including, without limitation, strikes, work stoppages, acts of war or terrorism, insurrection,
revolution, nuclear or natural catastrophes or acts of God and interruptions, loss or malfunctions of utilities, communications or computer (software or hardware) services; 

(vi) every provision of this Trust Agreement relating to the Depositor Loan Trustee shall be subject to the provisions of this
Section 2.6. 
 (c) The Depositor Loan Trustee is authorized and directed to execute, deliver and perform (i) the
Transaction Documents to which the Depositor Loan Trustee is a party and each certificate or other document attached as an exhibit to or contemplated by the Transaction Documents to which the Depositor Loan Trustee is to be a party and
(ii) each other agreement, instrument, certificate or other document to which the Depositor Loan Trustee is to be a party in connection with the Transaction Documents (each, an “Other Document”) in such form as the Depositor
shall approve and direct in writing. The execution and delivery of, and performance of the terms of, the Loan Purchase Agreement, the Sale and Servicing Agreement, the Back-up Servicing Agreement and each certificate or other document attached as an
exhibit to or otherwise contemplated by the Loan Purchase Agreement to which the Depositor Loan Trustee is to be a party or any Other Document to which the Depositor Loan Trustee is to be a party shall be deemed not to conflict with or constitute a
breach or default under this Trust Agreement. 
 (d) The Depositor Loan Trustee agrees that it will not manage, control, use, sell,
dispose of or otherwise deal with the Trust assets except (i) as expressly required by the terms of this Trust Agreement or (ii) as expressly provided in written instructions from the Depositor. 

(e) Except in accordance with the written instructions furnished by the Depositor, the Depositor Loan Trustee shall have no duty (i) to
see to any recording or filing of any document, (ii) to see to the payment or discharge of any tax, assessment or other governmental charge or any lien or encumbrance of any kind owing with respect to, assessed or levied against any part of the
Trust or Trust assets, (iii) to confirm or verify any financial statements or any Person or (iv) to inspect the Depositor’s, the Servicer’s or any Subservicer’s books and records at any time. 

  
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 (f) The Depositor Loan Trustee shall have no responsibility for the accuracy of any information
provided to any Person that has been obtained from, or provided to the Depositor Loan Trustee by, any other entity. 
 (g) The Depositor
Loan Trustee shall not have any duty or obligation to manage, control, use, sell, dispose of or otherwise deal with the Trust assets or otherwise take or refrain from taking any action under this Trust Agreement except as expressly required by the
terms hereof or as expressly provided in written instructions from the Depositor and no implied duties or obligations shall be read into this Trust Agreement against the Trustee. The Depositor Loan Trustee shall not be required to take any action at
the direction of the Depositor under this Agreement unless the Depositor Loan Trustee shall have been indemnified, in manner and form satisfactory to the Depositor Loan Trustee, against any liability, cost or expense (including counsel fees and
disbursements) which may be incurred in connection therewith. 
 (h) The Depositor Loan Trustee shall not be required to take any action
under this Trust Agreement if the Depositor Loan Trustee shall have been advised by the written opinion of counsel that such action is contrary to the terms of this Trust Agreement or is otherwise contrary to law. 

(i) Whenever the Depositor Loan Trustee is unable to decide between alternative courses of action permitted or required by the terms of this
Trust Agreement, or is unsure as to the application, intent, interpretation or meaning of any provision hereof, the Depositor Loan Trustee may give notice (in such form as shall be appropriate under the circumstances) to the Depositor requesting
instruction and to the extent the Depositor Loan Trustee acts in good faith in accordance with any such instruction received, the Depositor Loan Trustee shall not be liable on account of such action to any Person. The Depositor Loan Trustee shall be
fully protected in refraining from taking any such action pending the receipt of direction from the Depositor. 
 (j) For the avoidance of
doubt, prior to taking any action under this Trust Agreement, the Depositor Loan Trustee shall be entitled to receive written instructions of the Depositor. The Depositor Loan Trustee shall not be liable for any action that it takes or omits to take
in good faith in reliance on the instructions of the Depositor. The Depositor Loan Trustee shall be entitled to assume that any direction from the Depositor is given in accordance with the Transaction Documents without independent verification;
provided that if the Depositor Loan Trustee in good faith determines that any such direction is not given in accordance with the Transaction Documents or applicable law, then the Depositor Loan Trustee shall have no obligation to follow such
direction. 
 (k) The Depositor Loan Trustee shall not be bound to make any investigation into the facts or matters stated in any
resolution, certificate, statement, instrument, opinion, report, notice, request, direction, consent, order, bond, debenture, note or other paper or document. 

  
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 (l) The Depositor Loan Trustee shall have no liability for (x) the failure of the Servicer,
any Subservicer, the Depositor or any sub-servicer, agent of or counsel to any of the foregoing to conduct a foreclosure in accordance with the terms of this Trust Agreement, the Loan Purchase Agreement, the Sale and Servicing Agreement or
applicable law, or (y) the failure of realization in any foreclosure resulting from the failure to properly file or record any other transfer document and the Depositor Loan Trustee shall not be required to take any action in connection with
any of the foregoing matters. 
 (m) The Depositor shall not be required to provide, on its own behalf, any surety bond or other kind of
security in connection with the execution of any of its trust or powers under this Trust Agreement, the Loan Purchase Agreement or the performance of its duties hereunder. 

(n) In order to help the U.S. government fight terrorism and money laundering, Federal law requires the Depositor to obtain, verify and record
information that identifies each business or entity that opens an account or establishes a relationship. Thus, the Depositor may ask for the business name, a street address and tax identification number from any person that Federal law requires it
to obtain. 
 (o) The parties expressly acknowledge and consent to Wells Fargo Bank, N.A. acting as Depositor Loan Trustee and Wells Fargo
Bank, N.A. acting as Issuer Loan Trustee. Each of the Depositor Loan Trustee and the Issuer Loan Trustee may, in such capacity, discharge its separate functions fully, without hindrance or regard to conflict of principles, duty of loyalty principles
or other breach of fiduciary duties to the extent any such conflict or breach arises from the performance by the Depositor Loan Trustee of express duties set forth in this Trust Agreement and the Issuer Loan Trustee of express duties set forth in
the Issuer Loan Trust Agreement with respect thereto. 
 Section 2.7 Reliance on Certain Documents, Other Persons; Taxes. The
Depositor Loan Trustee shall not incur any liability in acting upon any signature, instrument, notice, resolution, request, consent, order, certificate, report, opinion, bond or other document or paper believed by it to be genuine and believed by it
to be signed by the proper party or parties. The Depositor Loan Trustee may accept a certified copy of a resolution of the board of directors or other governing body of any corporate party as conclusive evidence that such resolution has been duly
adopted by such body and that the same is in full force and effect. As to any fact or matter, the manner of ascertainment of which is not specifically prescribed herein, the Depositor Loan Trustee may, for all purposes hereof, rely on a certificate,
signed by the president or any vice president or by the treasurer or any assistant treasurer or the secretary or any assistant secretary of the relevant party, as to such fact or matter and such certificate shall constitute full protection to the
Depositor Loan Trustee for any action taken or omitted to be taken by it in good faith in reliance thereon. In the administration of its duties hereunder, the Depositor Loan Trustee may execute any of the trusts or powers hereof and perform its
powers and duties hereunder directly or, at the expense of the Depositor, through other agents or attorneys and may, at the expense of the Depositor, seek advice of counsel, accountants and other skilled persons to be selected and employed by it and
the Depositor Loan Trustee shall not be liable for anything done, suffered or omitted in good faith by it in accordance with the advice or opinion of any such counsel, accountants or other skilled persons. 

  
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 Except as expressly provided in this Trust Agreement, the Depositor Loan Trustee shall be under
no duty to examine any report or statement or other document required or permitted to be filed with it by the Depositor. 
 The Depositor
Loan Trustee shall not be liable for failure of the Depositor to pay any tax or taxes in respect of any property, or any part thereof, or the income therefrom or otherwise, nor shall the Loan Trust be under any duty in respect of any tax which may
be assessed against it in respect of such property or the Loans. 
 Section 2.8 Security for Action. No provision hereof shall
require the Depositor Loan Trustee to expend or risk its own funds or otherwise incur any financial liability in the performance of any of its duties hereunder, or in the exercise of any of its rights or powers if it shall have reasonable grounds
for believing that repayment of such funds or adequate indemnity against such risk or liability is not reasonably assured to it. 
 Section
2.9 Capacity. In accepting the trust hereby created, Wells Fargo Bank, N.A. acts solely as Depositor Loan Trustee hereunder and not in its individual capacity and all persons having any claim against the Depositor Loan Trustee by reason of
the transactions contemplated by this Trust Agreement shall look only to the Trust’s property for payment or satisfaction thereof, except in the case of gross negligence and willful misconduct on the part of the Depositor Loan Trustee. 

Section 2.10 Compensation. The Depositor Loan Trustee shall be entitled to (a) an annual fee in the amount of $1,000, which shall
be paid in equal monthly installments in accordance with the Priority of Payments on each Payment Date, for all services rendered by it hereunder with respect to Loans held on behalf of the Depositor under this Trust Agreement and
(b) reimbursement of all of the Depositor Loan Trustee’s reasonable expenses, charges and other disbursements and those of its attorneys, agents and employees incurred in and about the administration and execution of the trust hereby
created with respect to Loans held on behalf of the Depositor under this Trust Agreement. Amounts payable to the Depositor Loan Trustee hereunder are payable pursuant to Section 8.06 of the Indenture. 

Section 2.11 Qualification. The Depositor Loan Trustee, including any successor, shall at all times be a “federal depository
institution,” as defined in 12 U.S.C. §1813(c)(4) under the National Bank Act, as amended. 
 Section 2.12 Successors.
(a) The Depositor Loan Trustee or any successor thereto may resign at any time without cause by giving at least 60 days’ prior written notice or may resign immediately if the Depositor breaches its obligations under Sections 2.13 and 2.14,
in either case, such resignation to be effective only upon the acceptance of the trust created by Article II hereunder by any successor Depositor Loan Trustee meeting the requirements of Section 2.11 hereof and the requirements set forth for
the Indenture Trustee in Section 6.11 of the Indenture and payment in full of all amounts due to the Depositor Loan Trustee. In addition, the Depositor may at any time remove the Depositor Loan Trustee without cause by an instrument in writing
delivered to the Depositor Loan Trustee, such removal to be effective upon the acceptance of the trust created by Article II hereunder by a successor Depositor Loan Trustee meeting the requirements of Section 2.11 hereof and payment in full of
all amounts due to the 

  
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Depositor Loan Trustee. If no successor Depositor Loan Trustee has been appointed within 60 days after notice of resignation or removal, as the case may be, the Depositor Loan Trustee may request
a court of competent jurisdiction to appoint a successor Depositor Loan Trustee meeting the requirements of Section 2.11 hereof; provided, however, that such right to appoint or to petition for the appointment of any such
successor shall in no event relieve the resigning Depositor Loan Trustee from any obligations otherwise imposed on it under the Transaction Documents until such successor has assumed such appointment. 

(b) Any successor Depositor Loan Trustee shall execute and deliver to the predecessor Depositor Loan Trustee an instrument accepting such
appointment and, in cooperation with the Depositor Loan Trustee, shall take such further actions to ensure (i) that legal and record title to the Loans has been assigned to such successor Depositor Loan Trustee for the benefit of the Depositor
and (ii) that the beneficial interest of the Depositor in the Loans is maintained; thereupon such successor Depositor Loan Trustee, without further act, shall become vested with all the estates, properties, rights, powers, duties and trusts of
the predecessor Depositor Loan Trustee in the trust created by Article II hereunder with like effect as if originally named as the Depositor Loan Trustee herein; and 

(c) Any bank, corporation or other entity into which the Depositor Loan Trustee may be merged or converted or with which it may be
consolidated, or any bank, corporation or other entity resulting from any merger, conversion or consolidation to which the Depositor Loan Trustee shall be a party, or any bank, corporation or other entity to which substantially all the corporate
trust business of the Depositor Loan Trustee may be transferred, shall be the Depositor Loan Trustee under this Trust Agreement without any further act, provided the resulting bank, corporation or other entity meets the qualification
requirements of Section 2.11 hereof. 
 Section 2.13 Servicing of Loans. The Depositor acknowledges that due diligence
must be used in the origination, servicing and collection of Loans and servicing of the Loans must be done in accordance with applicable law. The Depositor hereby acknowledges that it has selected, or will select, the Servicer (which may appoint a
Subservicer) to service the Loans held by the Depositor Loan Trustee on behalf of the Depositor and on behalf of the Depositor Loan Trustee. The Depositor acknowledges that the Depositor Loan Trustee is not required by this Trust Agreement to
monitor or supervise the actions taken by the Servicer and the Subservicers. The Depositor will cause an annual certification to be provided to the Depositor Loan Trustee by June 30 of each year, covering the twelve months ending March 31
preceding the date of such certification, that servicing of the Loans by the Servicer and the Subservicers has been conducted in accordance with the terms of the respective agreements that the Depositor has with the Servicer or the applicable
Subservicer. 
 Section 2.14 Indemnification. The Issuer hereby agrees to indemnify and hold harmless the Depositor Loan Trustee (in
its individual and trustee capacities) from and against any and all liabilities, obligations, losses, damages, penalties, claims, actions, suits, costs, expenses or disbursements (including legal fees and expenses) of any kind and nature whatsoever
which may be imposed on, incurred by or asserted against, the Depositor Loan Trustee in any way relating to or arising out of this Trust Agreement or any document relating to this Trust Agreement, or the performance or enforcement of any of the
terms of any provision 

  
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thereof, or in any way relating to or arising out of the administration of the trust estate or the action or inaction of the Depositor Loan Trustee hereunder, except only in the case of willful
misconduct or gross negligence on the part of the Depositor Loan Trustee in the performance of its duties hereunder. In no event shall the Depositor Loan Trustee or its directors, officers, agents and employees be held liable for any punitive,
special, indirect or consequential damages resulting from any action taken or omitted to be taken by it or them hereunder or in connection herewith even if advised of the possibility of such damages. The provisions of this Section 2.14 shall
survive the resignation or removal of the Depositor Loan Trustee and the termination of this Trust Agreement. Amounts payable pursuant to this Section 2.14 will be paid to the Depositor Loan Trustee solely from funds paid pursuant to
Section 8.06 of the Indenture. 
 Section 2.15 Representations and Warranties. The Depositor Loan Trustee hereby represents and
warrants to the Depositor that: 
 (a) It is a national banking association duly formed and validly existing in good standing under the laws
of the United States and has all requisite corporate power and authority to execute, deliver and perform its obligations under this Trust Agreement. 

(b) It has taken all corporate action necessary to authorize the execution and delivery by it of this Trust Agreement and this Trust Agreement
will be executed and delivered by one of its officers who is duly authorized to execute and deliver this Trust Agreement on its behalf. 

(c) This Trust Agreement constitutes a legal, valid and binding obligation of the Depositor Loan Trustee, enforceable against it in accordance
with its terms, subject, as to enforceability, to applicable bankruptcy, insolvency, reorganization, conservatorship, receivership, liquidation and other similar laws affecting enforcement of the rights of creditors of banks generally and to
equitable limitations on the availability of specific remedies. 
 (d) Neither the execution nor the delivery by it of this Trust Agreement,
nor the consummation by it of the transactions contemplated hereby nor compliance by it with any of the terms or provisions hereof will contravene any applicable federal or state law, governmental rule or regulation governing the banking or trust
powers of the Depositor Loan Trustee or any judgment or order binding on it, or constitute any default under its charter documents or by-laws. 

(e) As of the Closing Date, it has under applicable federal law, designated the State of South Dakota as its main office. 

Section 2.16 Depositor Loan Trustee Interest. 

(a) Notwithstanding anything to the contrary herein (i) the Depositor Loan Trustee solely will hold legal title with respect to the Loans
conveyed to the Depositor and the Depositor Loan Trustee for the benefit of the Depositor and will not have any other interest in respect of such Loans or any other Purchased Assets, (ii) the Depositor shall be the sole beneficial owner of such
Loans and other Purchased Assets and (iii) any reference herein to the Depositor Loan Trustee’s interest in, or right with respect to, any Loan shall be deemed solely to refer to legal title with respect to the Loans. 

  
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 (b) Notwithstanding the fact that the Depositor Loan Trustee will hold legal title with respect
to the Loans, the parties hereto each hereby acknowledge that: 
 (i) except as set forth in subclause (ii) below, the
Depositor is entitled to all incidents, benefits and risks of ownership of the Loans, including, without limitation, the sole right to service, sell, lease, convey and otherwise transfer and dispose of the Loans; and 

(ii) the Depositor Loan Trustee has no direct or indirect ownership or other interest in the Loans, except such rights and
obligations with respect to the Loans as are required by the appointment of the Depositor Loan Trustee as legal titleholder with respect to the Loans as set forth herein and in the Loan Purchase Agreement. 

ARTICLE III 
 COVENANTS

 Section 3.1 Administration. The Depositor shall cause the Loans to be in compliance with each applicable Transaction Document.
The Depositor Loan Trustee shall have no liability for any action or inaction, including its negligence, in the performance of its duties hereunder; provided that the Depositor Loan Trustee shall be liable for actual damages (but not
consequential or exemplary damages) proximately caused by its gross negligence or willful misconduct in the performance of its duties hereunder. The Depositor Loan Trustee shall not be responsible for any action or inaction of the Depositor under
this Trust Agreement. The Depositor Loan Trustee shall have no obligation to administer, service or collect the Loans or to maintain, supervise or monitor the administration, servicing or collection of the Loans. 

ARTICLE IV 
 CERTAIN TAX
MATTERS 
 Section 4.1 Grantor Trust Status. It is the intent of the parties hereto that the Trust be treated as a grantor trust
for federal income tax purposes under subpart E, part I of subchapter J of the Internal Revenue Code and not as an association taxable as a corporation, a partnership, or any other “business entity” (within the meaning of Treasury
Regulation § 301.7701-2(a)) and the provisions of this Trust Agreement shall be interpreted and applied consistently therewith. The Depositor Loan Trustee covenants that it shall perform and cause any agent of the Depositor Loan Trustee to
perform, its obligations hereunder in a manner so as to maintain the status of the trust created hereunder as a grantor trust for federal income tax purposes under subpart E, part I of subchapter J of the Internal Revenue Code and not as an
association taxable as a corporation, a partnership, or any other “business entity” (within the meaning of Treasury Regulation § 301.7701-2(a)), to the extent that maintaining such status and avoiding such taxes are reasonably within
the control of the Depositor Loan Trustee. 
 Section 4.2 Restrictions on Depositor Loan Trustee’s Power to Vary the Trust’s
Investments. Notwithstanding any provision of this Trust Agreement to the contrary, the Depositor Loan Trustee and any agent of the Depositor Loan Trustee shall not, except as 

  
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otherwise directed in writing by the Depositor (or 100% of the beneficial owners of the Trust, as determined for U.S. federal income purposes, if other than the Depositor) or except pursuant to
written advice of nationally recognized tax counsel that the acts in question will not cause the Trust to be treated as other than a grantor trust for federal income tax purposes under subpart E, part I of subchapter J of the Internal Revenue Code;
(i) exchange any Loans for other property (other than cash to be distributed to the Depositor or remitted to the Indenture Trustee for deposit in the Collection Account in accordance with this Trust Agreement); (ii) acquire any other
property with, or otherwise reinvest, any income, payments or proceeds received with respect to the Loans, including any proceeds from the sale of any Loans; (iii) accept any contributions of cash or property other than the Loans and income,
payments, or proceeds received with respect to the Loans; (iv) modify the Loans, unless such modifications are required by law; or (v) otherwise acquire or agree to acquire, by contribution, purchase, exchange, borrowing, or otherwise, any
cash or property other than the Loans and any income, payments, or proceeds received with respect to the Loans. This Section 4.2 is intended to ensure that no person has the power to vary the investments of the Trust within the meaning of
Treasury Regulations § 301.7701-4(c) and shall be interpreted and applied consistently with such intent. 
 Section 4.3
Register. At all times during the term of this Trust Agreement, the Depositor Loan Trustee or its agent shall maintain a register (the “Register”) on which the name and address of each owner of beneficial interests in the
Trust shall be recorded. The Register shall be updated for and shall reflect any transfers of beneficial interests in the Trust and no purported transfer of beneficial interests in the Trust shall be effective unless reflected in the Register. The
entries in the Register shall be conclusive absent manifest error and each person whose name is recorded in the Register as an owner of the beneficial interests in the Trust shall be considered the owner of such interests for all purposes of this
Trust Agreement notwithstanding any notice to the contrary. The provisions of this Section 4.3 are intended to comply with the requirements that the beneficial interests in the Trust must meet in order to be considered in “registered
form” within the meaning of Treasury Regulation § 1.871-14(c) and (d) and shall be interpreted and applied consistently therewith. 

ARTICLE V 

MISCELLANEOUS 
 Section
5.1 Notices. All notices shall be in writing, mailed by regular mail, postage prepaid as follows: 
  

	 	(a)	if to the Depositor Loan Trustee: 

 Wells Fargo Bank, N.A. 

Attention: Corporate Trust Services/Structured Products Services 

Sixth Street and Marquette Avenue 

MAC N9311-161 
 Minneapolis,
Minnesota 55479 
 Telephone: (612) 667-7181 

Facsimile: (612) 667-3464 

marianna.c.stershic@wellsfargo.com 

  
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 or to such other address as may have been filed in writing with the Depositor; 

 

	 	(b)	if to the Depositor: 

 OneMain Financial Warehouse, LLC 

300 St. Paul Place 
 BSP15 

Baltimore, MD 21202 
 Telephone:
(410) 332-2964 
 Email address: OMFIT.FundingWarehouse@citi.com 

with a copy to: 
 OneMain
Financial, Inc. 
 300 St. Paul Place 

Baltimore, MD 21202 
 Attention:
Office of General Counsel 
 or to such other address as may have been filed in writing with the Depositor Loan Trustee. 

Section 5.2 Partial Invalidity. Any provisions of this Trust Agreement which are prohibited or unenforceable in any jurisdiction shall,
as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof and any such prohibition or unenforceability in any jurisdiction shall not invalidate or render
unenforceable such provision in any other jurisdiction. 
 Section 5.3 Amendment. 

(a) This Trust Agreement may only be amended or modified (i) by a written agreement executed by the Depositor and the Depositor Loan
Trustee, (ii) upon the satisfaction of the Rating Agency Condition, (iii) with the consent of the Issuer and (iv) with the consent of the Required Noteholders and the Administrative Agent. 

(b) Promptly after the execution of any such amendment or consent, the Depositor shall furnish notification of the substance of such amendment
to the Indenture Trustee and each Noteholder. 
 (c) The Depositor Loan Trustee may, but shall not be obligated to, enter into any amendment
to this Trust Agreement that adversely affects its own rights, duties, liabilities, benefits, protections, privileges or immunities under this Trust Agreement or otherwise in any material respect. 

(d) The Depositor Loan Trustee shall execute any amendment to the Transaction Documents at the direction of the Depositor;
provided that the Depositor Loan Trustee shall not be obligated to execute any such amendment that adversely affects the Depositor Loan Trustee in any material respect. 

  
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 Section 5.4 Termination. This Trust Agreement and the trust created by Article II
hereunder (including all duties and obligations of the parties hereto) shall terminate upon the sale, transfer, final disposition, maturity, final payment or assignment of all Loans held by the Depositor Loan Trustee on behalf of the Depositor under
this Trust Agreement and the termination of the Indenture. 
 Section 5.5 Counterparts. This Trust Agreement may be executed by the
parties hereto in separate counterparts, each of which when so executed and delivered shall be an original, but all such counterparts shall together constitute but one and the same instrument. 

Section 5.6 Trust Binding Upon Successors and Assigns. All covenants and agreements contained herein shall be binding upon and inure to
the benefit of, the Depositor Loan Trustee and the Depositor and their respective successors and assigns and to the Depositor and its successors and assigns. 

Section 5.7 Headings. The headings of the various articles and sections herein are for convenience of reference only and shall not
define or limit any of the terms or provisions hereof. 
 Section 5.8 Force Majeure. The Depositor Loan Trustee shall not be
responsible for delays or failures in performance resulting from acts beyond its control. Such acts shall include, without limitation, acts of God, strikes, lockouts, riots, acts of war or terrorism, epidemics, nationalization, expropriation,
currency restrictions, government regulations adopted after the date of this Trust Agreement, fire, communication line failures, computer viruses, power failures, earthquakes or other disasters of a similar nature. 

Section 5.9 Transfer to Issuer and Issuer Loan Trustee for the Benefit of the Issuer. By execution below, the Depositor Loan Trustee
expressly acknowledges and agrees that all of Depositor’s right, title and interest in, to and under this Trust Agreement, as such right, title and interest relate to the Loans, shall be transferred by the Depositor to the Issuer and the Issuer
Loan Trustee for the benefit of the Issuer pursuant to the Sale and Servicing Agreement and the Depositor Loan Trustee consents to such transfer. 

Section 5.10 Limited Recourse. 

(a) Notwithstanding anything to the contrary contained herein, no recourse under or with respect to any obligation, covenant or agreement of
the Depositor as contained in this Trust Agreement or any of the other Transaction Documents or any other agreement, instrument or document to which the Depositor is a party shall be had against any incorporator, stockholder, affiliate, officer,
employee or director of the Depositor by the enforcement of any assessment or by any legal or equitable proceeding, by virtue of any statute or otherwise; it being expressly agreed and understood that the agreements of the Depositor contained in
this Trust Agreement and all other agreements, instruments and documents entered into pursuant hereto or in connection herewith are, in each case, solely corporate obligations of the Depositor. Notwithstanding any provisions contained in this Trust
Agreement to the contrary, the Depositor shall not and shall not be obligated to, pay any fees, costs, indemnified amounts or expenses due pursuant to this Trust Agreement until payment in full of all amounts that the Depositor is

  
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obligated to deposit in the Collection Account and the Principal Distribution Account pursuant to the Loan Purchase Agreement or the Sale and Servicing Agreement; provided, however,
that the Noteholders shall be entitled to the benefits of the subordination of the Collections allocable to the Trust Certificate to the extent provided in the Indenture. Any amount which the Depositor does not pay pursuant to the operation of the
preceding sentence shall not constitute a claim (as defined in §101 of the United States Bankruptcy Reform Act of 1978 (11 U.S.C. §101, et seq.), as amended from time to time) against or obligation of the Depositor for any such
insufficiency unless and until funds are available for the payment of such amounts as aforesaid. 
 (b) Notwithstanding anything to the
contrary contained herein, no recourse under or with respect to any obligation, covenant or agreement of the Issuer as contained in this Trust Agreement or any of the other Transaction Documents or any other agreement, instrument or document to
which the Issuer is a party shall be had against any incorporator, stockholder, affiliate, officer, employee or director of the Issuer by the enforcement of any assessment or by any legal or equitable proceeding, by virtue of any statute or
otherwise; it being expressly agreed and understood that the agreements of the Issuer contained in this Trust Agreement and all other agreements, instruments and documents entered into pursuant hereto or in connection herewith are, in each case,
solely corporate obligations of the Issuer. Notwithstanding any provisions contained in this Trust Agreement to the contrary, the Issuer shall not and shall not be obligated to, pay any fees, costs, indemnified amounts or expenses due pursuant to
this Trust Agreement other than in accordance with the order of priorities set forth in Section 8.06 of the Indenture. Any amount which the Issuer does not pay pursuant to the operation of the preceding sentence shall not constitute a claim (as
defined in §101 of the United States Bankruptcy Reform Act of 1978 (11 U.S.C. §101, et seq.), as amended from time to time) against or obligation of the Issuer for any such insufficiency unless and until funds are available for the payment
of such amounts as aforesaid. 
 (c) The parties hereto agree that the provisions of this Section 5.10 shall survive the resignation or
removal of any such party to this Trust Agreement and the termination of this Trust Agreement. 
 Section 5.11 No Petition. 

(a) To the fullest extent permitted by law and notwithstanding any prior termination of this Trust Agreement, the Depositor Loan Trustee
agrees that it shall not file, commence, join or acquiesce in a petition or proceeding, or cause the Depositor to file, commence, join or acquiesce in a petition or proceeding, that causes (i) the Depositor to be a debtor under any Debtor
Relief Law or (ii) a trustee, conservator, receiver, liquidator or similar official to be appointed for the Depositor or any substantial part of its property. 

(b) To the fullest extent permitted by law and notwithstanding any prior termination of this Trust Agreement, each of the Depositor and the
Depositor Loan Trustee agree that it shall not file, commence, join or acquiesce in a petition or proceeding, or cause the Issuer to file, commence, join or acquiesce in a petition or proceeding, that causes (i) the Issuer to be a debtor under
any Debtor Relief Law or (ii) a trustee, conservator, receiver, liquidator or similar official to be appointed for the Issuer or any substantial part of its property. 

  
 -16- 

 (c) The parties hereto agree that the provisions of this Section 5.11 shall survive the
resignation or removal of any such party to this Trust Agreement and the termination of this Trust Agreement. 
 Section 5.12 Governing
Law. THIS TRUST AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED AND
INTERPRETED IN ACCORDANCE WITH THE INTERNAL LAWS OF THE STATE OF NEW
YORK WITHOUT REFERENCE TO ITS CONFLICT OF LAWS PROVISIONS (OTHER THAN
SECTION 5-1401 OF THE GENERAL OBLIGATIONS LAW) AND THE OBLIGATIONS, RIGHTS AND
REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH
SUCH LAWS. 
 EACH OF THE PARTIES
HERETO HEREBY SUBMITS TO THE NONEXCLUSIVE JURISDICTION OF THE UNITED STATES
DISTRICT COURT FOR THE SOUTHERN DISTRICT OF NEW YORK AND OF ANY
NEW YORK STATE COURT SITTING IN THE COUNTY OF NEW YORK FOR
PURPOSES OF ALL LEGAL PROCEEDINGS ARISING OUT OF OR RELATING TO THIS
TRUST AGREEMENT, ANY OTHER TRANSACTION DOCUMENT OR THE TRANSACTIONS CONTEMPLATED
HEREBY OR THEREBY. EACH OF THE PARTIES HERETO HEREBY IRREVOCABLY WAIVES,
TO THE FULLEST EXTENT IT MAY EFFECTIVELY DO SO, ANY OBJECTION WHICH
IT MAY NOW OR HEREAFTER HAVE TO THE LAYING OF THE VENUE
OF ANY SUCH PROCEEDING BROUGHT IN SUCH A COURT AND ANY CLAIM
THAT ANY SUCH PROCEEDING BROUGHT IN SUCH A COURT HAS BEEN BROUGHT
IN AN INCONVENIENT FORUM. NOTHING IN THIS SECTION SHALL AFFECT THE
RIGHT OF ANY PARTY HERETO TO BRING ANY ACTION OR PROCEEDING AGAINST
ANY OTHER PARTY HERETO OR ANY OF THEIR PROPERTY IN THE COURTS
OF OTHER JURISDICTIONS. 
 EACH OF THE
PARTIES HERETO HEREBY WAIVES ANY RIGHT TO HAVE A JURY PARTICIPATE IN
RESOLVING ANY DISPUTE, WHETHER ARISING IN CONTRACT, TORT OR OTHERWISE, AMONG
ANY OF THEM ARISING OUT OF, CONNECTED WITH, RELATING TO AND INCIDENT
TO THE RELATIONSHIP BETWEEN THEM IN CONNECTION WITH THIS TRUST AGREEMENT
OR THE OTHER TRANSACTION DOCUMENTS. 
 Section 5.13 Limitation
of Liability. It is expressly understood and agreed by the parties hereto that (i) this Trust Agreement is executed and delivered by Wilmington Trust, National Association, not individually or personally but solely as owner trustee (the
“Owner Trustee”) of the Issuer, in the exercise of the powers and authority conferred and vested in it, (ii) each of the representations, undertakings and agreements herein made on the part of the Issuer is made and intended
not as personal representations, undertakings and agreements by the Owner Trustee but made and intended for the purpose of binding only the Issuer, (iii) nothing herein contained shall be construed as creating any liability on the Owner
Trustee, individually or personally, to perform any covenants, either expressed or implied, contained herein, all personal liability, if any, being expressly waived by the parties hereto and by any person claiming by, through or under the parties
hereto, (iv) the Owner Trustee has made no investigation as to the accuracy or completeness of any representations and warranties made by the Issuer in this Agreement and (v) under no circumstances shall the Owner Trustee be personally
liable for the payment of any indebtedness or expenses of the Issuer or be liable for the breach or failure of any obligation, representation, warranty or covenant made or undertaken by the Issuer under this Trust Agreement or any other related
document. 

  
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 Section 5.14 Reassignment to Sellers. For the avoidance of doubt, this Trust
Agreement shall apply only to Loans conveyed to the Depositor pursuant to the Loan Purchase Agreement and shall cease to apply to any Loans that are reconveyed or reassigned to a Seller by the Depositor pursuant to the Loan Purchase Agreement. 

[REMAINDER OF PAGE INTENTIONALLY LEFT BLANK] 

  
 -18- 

 IN WITNESS WHEREOF, the parties hereto have caused this Trust Agreement to be executed by a duly
authorized officer as of the date first above written. 
  

			
	 WELLS FARGO BANK, N.A., not in its individual capacity, but solely as Depositor Loan Trustee

		
	By:		 /s/ Marianna C. Stershic

			Name: Marianna C. Stershic
			Title: Vice President
	
	 ONEMAIN FINANCIAL WAREHOUSE, LLC,

as Depositor

		
	By:		 /s/ Oona Robinson

			Name: Oona Robinson
			Title: Vice President and Assistant Treasurer

  

			
	ACKNOWLEDGED AND AGREED
	WITH RESPECT TO SECTION 2.14:
	
	 ONEMAIN FINANCIAL WAREHOUSE TRUST, as Issuer

		
	By:		WILMINGTON TRUST,
			NATIONAL ASSOCIATION, not in its individual capacity, but solely as Owner Trustee of the Issuer
		
	By:		 /s/ Rosaline K. Maney

			Name: Rosaline K. Maney
			Title: Administrative Vice President

  
 [Signature
Page—Warehouse Depositor Loan Trust Agreement] 

 EXHIBIT A 

Form of Limited Power of Attorney 

KNOW ALL PERSONS BY THESE PRESENT, that Wells Fargo Bank, N.A., a national banking association duly organized and existing under the
laws of the United States of America having its principal place of business at Sioux Falls, South Dakota, together with its respective subsidiary corporations and entities (collectively, “Wells Fargo”), has and hereby
affirms that it has made, constituted and appointed and by these presents does make, constitute and appoint OneMain Financial Warehouse, LLC (“OneMain Financial Warehouse” or “attorney-in-
fact”), having its principal place of business at Baltimore, Maryland, Wells Fargo’s true and lawful attorney-in-fact and in Wells Fargo’s name, place and stead to act solely for the purpose of performing any or all of the
acts described herein and permitted under the Transaction Documents in connection with the enforcement of rights with respect to any Loan pursuant to which legal title is held by Wells Fargo pursuant to that certain Loan Trust Agreement, dated as of
February 3, 2015 among OneMain Financial Warehouse, LLC, as Depositor and Wells Fargo Bank, N.A., as Depositor Loan Trustee for the benefit of the Depositor (as amended, restated, supplemented or otherwise modified from time to time in
accordance with the terms thereof, the “Depositor Loan Trust Agreement”). 
 FIRST:
Definitions. Each capitalized term used but not defined herein has the meaning given to such term in the Depositor Loan Trust Agreement. 

SECOND: Limited Power of Attorney. Wells Fargo hereby nominates, constitutes and appoints OneMain Financial Warehouse as its true and
lawful attorney-in-fact (with full power of substitution) and hereby authorizes OneMain Financial Warehouse, in the name of and on behalf of Wells Fargo, to execute, deliver, acknowledge, certify, file and record any document, to institute and
prosecute any proceeding and to take any other action that OneMain Financial Warehouse may deem appropriate for the purpose of (A) collecting, asserting, enforcing or perfecting any claim, right or interest of any kind that is included in or
relates to any of the Loans, (B) defending or compromising any claim or proceeding relating to any of the Loans, or (C) otherwise carrying out or facilitating any of the transactions contemplated in the Depositor Loan Trust Agreement with
respect to the enforcement of the Depositor Loan Trustee’s rights under the Loans. This Limited Power of Attorney is and shall be coupled with an interest and shall be irrevocable and shall survive the dissolution or insolvency of Wells Fargo.

 THIRD: Depositor Loan Trust Agreement. The execution and delivery of this Limited Power of Attorney by Wells Fargo shall not be
(or be deemed) a waiver or discharge of any representation, warranty, covenant or agreement of Wells Fargo in or under the Depositor Loan Trust Agreement or any other Transaction Document and such execution and delivery shall not be (or be deemed) a
modification or amendment of any provision of the Depositor Loan Trust Agreement or any other Transaction Document in any respect. 

FOURTH: Waivers and Amendments. This Limited Power of Attorney may be amended, modified, supplemented or restated only by a written
instrument executed by Wells Fargo and OneMain Financial Warehouse. The terms of this Limited Power of Attorney may be waived only by a written instrument executed by the party waiving compliance. 

  
 A-1 

 FIFTH: Counterparts. This Limited Power of Attorney may be executed by a party hereto in
separate counterparts, each of which when so executed and delivered shall be an original, but all such counterparts shall together constitute one and the same agreement and all signatures need not appear on any one counterpart. 

Sixth: Headings. The headings in this Limited Power of Attorney are for convenience of reference only and shall not define, limit or
otherwise affect any of the terms or provisions hereof. 
 SEVENTH: Binding Effect; Successors and Assigns. This Limited Power of
Attorney shall inure to the benefit of and be binding upon OneMain Financial Warehouse and Wells Fargo and their respective successors and permitted assigns. 

EIGHTH: Governing Law. THIS LIMITED POWER OF ATTORNEY SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW
YORK WITHOUT REGARD TO CONFLICT OF LAWS PRINCIPLES (OTHER THAN SECTIONS 5-1401 AND 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW) THEREOF. 

NINTH: Miscellaneous. The appointment made hereby is to be construed and interpreted as a Limited Power of Attorney. The enumeration of
specific items, rights, acts or powers herein is not intended to, nor does it give rise to and it is not to be construed as, a general power or attorney. 

Nothing contained herein shall be construed to grant OneMain Financial Warehouse the power to initiate or defend any suit, litigation or
proceeding brought against Wells Fargo, as Depositor Loan Trustee. If OneMain Financial Warehouse receives any notice of suit, litigation or proceeding in the name of Wells Fargo, as Depositor Loan Trustee, then OneMain Financial Warehouse will
forward a copy of same to the Depositor Loan Trustee as soon as practicable. 
 Pursuant to the Depositor Loan Trust Agreement, OneMain
Financial Warehouse will indemnify and hold the Depositor Loan Trustee harmless from and against any and all liabilities, obligations, losses, damages, penalties, claims, actions, suits, costs, expenses or disbursements of any kind or nature
whatsoever incurred by reason of, as a result of, or in connection with the exercise by OneMain Financial Warehouse of the powers granted to it hereunder. The foregoing indemnity will survive the termination of this Limited Power of Attorney or the
earlier resignation or removal of the Depositor Loan Trustee. 
 This Limited Power of Attorney shall terminate automatically upon the
termination of the Depositor Loan Trust Agreement or upon the resignation or removal of Wells Fargo as Depositor Loan Trustee. 

  
 A-2 

 IN WITNESS WHEREOF, the undersigned has executed this Power of Attorney on behalf of Wells
Fargo as of this      day of                     ,             .

  

			
	 WELLS FARGO BANK, N.A., a national banking association, as Depositor Loan Trustee

		
	By:	 	  

		 	Name:
		 	Title:

 State of
                    ) 
 County of
                    ) 
 On
                    , 20    before me,
                    , a notary public, personally appeared
                    , who proved to me on the basis of satisfactory evidence to be the person whose name is subscribed to the within instrument and
acknowledged to me that he executed the same in his authorized capacity and that by his signature on the instrument the person, or the entity upon behalf of which the person acted, executed the instrument. 

I certify under PENALTY OF PERJURY under the laws of the State of
                    that the foregoing paragraph is true and correct. 

WITNESS my hand and official seal. 
  

			
	Signature	 	  

		
	(Seal)EX-10.44

 Exhibit 10.44 

EXECUTED VERSION 

ADMINISTRATIVE SERVICES AND PREMISES AGREEMENT 

THIS ADMINISTRATIVE SERVICES AND PREMISES AGREEMENT (this “Agreement”) is made and entered into as of February 3, 2015,
by and between OneMain Financial Warehouse, LLC, a Delaware limited liability company (the “Company”), and OneMain Financial, Inc., a Delaware corporation (the “Administrator”). 

W I T N E S S E T H: 
 WHEREAS,
the Company desires to engage the services of the Administrator and to use office space leased by the Administrator in connection with the business of the Company; 

NOW THEREFORE, in consideration of the mutual benefits and obligations of the parties hereunder, the Company and the Administrator hereby
agree as follows: 
 SECTION 1 

DEFINED TERMS 
 As used in
this Agreement, the following terms shall have the following meanings (all terms defined in this Section 1 or in other provisions of this Agreement in the singular have the same meanings when used in the plural and vice versa): 

“Administrator” shall have the meaning set forth in the Preamble. 

“Agreement” shall have the meaning set forth in the Preamble. 

“Company” shall have the meaning set forth in the Preamble. 

“Premises” means those certain premises commonly known as 300 St. Paul Place, Baltimore, MD 21202, or such other
office space as the Administrator and the Company may mutually agree upon. 
 “Transaction Documents” has the
meaning set forth in Section 3.1(c). 
 SECTION 2 

ENGAGEMENT OF THE ADMINISTRATOR 

Section 2.1 Engagement. 

On the terms and subject to the conditions set forth herein, the Company hereby engages the Administrator, and the Administrator hereby
accepts such engagement, to provide administrative services to the Company as set forth in this Agreement. 

 Section 2.2 Reimbursement and Fees. 

(a) In consideration for acting as Administrator, the Company shall pay to the Administrator a monthly fee of $65,000 (the
“Administrator Fee”), payable on the 20th day of each month, which is intended to compensate the Administrator for the reasonable fees, expenses and taxes paid or incurred by the Administrator and its employees and agents in the
ordinary course of business for acting in such role, including (i) salaries and benefits of the Administrator’s employees and agents who perform services for the Company, (ii) overhead, computing and other expenses attributable to
services performed by the Administrator for the Company and (iii) the costs of the insurance policies described in Section 3.1(e) (if any). The parties have agreed that the Administrator Fee represents a reasonable allocation, as
between the Administrator and the Company, of such amounts, and is also intended by the parties to be sufficient so as to provide a profit to the Administrator. To the extent that amounts paid or incurred by the Administrator and its employees and
agents in performing the obligations of the Administrator hereunder (x) constitute extraordinary expenses not contemplated by the Administrator Fee or the License Fee payable pursuant to Section 6(c), (y) are material in amount
and (z) can be allocated between the Administrator and the Company in a manner that is practicable and cost effective, then the Company shall reimburse the Administrator for such additional amounts, within fifteen (15) days after receipt
of invoices to be submitted to the Company by the Administrator substantiating such additional amounts. The Administrator shall not have the right to terminate its engagement hereunder as a result of a failure of the Company to pay the Administrator
Fee. 
 (b) Amounts payable by the Company to the Administrator pursuant to this Agreement shall not be subject to deduction or set-off of
any kind for any reason without the prior written consent of the Administrator. Upon request, the Administrator agrees to submit to the Company reports that detail the manner in which invoices are prepared by the Administrator or that support, in
reasonable detail, any invoice. 
 Section 2.3 Relationship. 

(a) Nothing set forth herein shall constitute, or be construed as creating, an employment relationship, a partnership, a joint venture or any
other kind of relationship or association between the parties. Except as expressly provided herein or in any other written agreement between the parties, neither party has any authority, expressed or implied, to bind, or to incur liabilities on
behalf or in the name of, the other party. 
 (b) All services to be furnished by the Administrator under this Agreement may be furnished by
any officer or employee of the Administrator or any other agent of or person designated by the Administrator. No director, officer or employee of the Administrator shall receive a salary or other compensation from the Company in connection with this
Agreement or the services provided hereunder. The Administrator shall devote such time in providing its services hereunder as is reasonably necessary to fully perform such services. 

  
 -2- 

 SECTION 3 

POWERS AND DUTIES OF THE ADMINISTRATOR 

Section 3.1 Powers. The Administrator shall, in accordance with the standards set forth in Section 4 and subject to
direction from any officers of the Company, provide the following services to the Company: 
 (a) provide clerical,
bookkeeping, office administration, contract administration, legal and accounting services necessary or appropriate for the Company, including maintaining general and accounting records of the Company, preparing and causing to be issued such
periodic financial statements as may be necessary or appropriate; provided, however, that the records of the Company shall be maintained separately from those of the Administrator or any other person or entity and shall be kept at the
Premises or at such other separate office space as the Company shall maintain; 
 (b) prepare, or cause to be prepared, for
execution by the appropriate representatives of the Company, and file or cause to be filed, such franchise, withholding, income or other tax returns of the Company as shall be required under applicable law; 

(c) prepare, or cause to be prepared, for execution by the appropriate representatives of the Company, and file or cause to be
filed, all filings as may be necessary or appropriate under applicable law or under the agreements entered into by the Company, copies of which are supplied by the Company to the Administrator (collectively, the “Transaction
Documents”); 
 (d) provide equipment and services relating to, and access to, computer and telecommunications
systems and networks, including, without limitation, local and long distance telephone networks, data communication lines and computer hardware and software, and coordinate vendor invoicing, repairs and maintenance; 

(e) procure, on behalf of and in the name of, or for the benefit of, the Company, standard insurance protection, to the extent
not otherwise provided for the benefit of the Company; 
 (f) in consultation with the Board of Managers of the Company,
advise the Company on short-term cash investments available to the Company; and 
 (g) provide such other administrative
services related to the operation of the Company as requested by the Company; 
 provided, however, the Administrator shall not: 

(w) pay or incur any obligation or liability of the Company; 

(x) execute any document, agreement or instrument in the name of the Company; 

  
 -3- 

 (y) initiate or compromise any claim or lawsuit in the name of the Company; 

or 
 (z) dispose
of any assets of the Company, whether by sale, pledge or otherwise. 
 Section 3.2 Restrictions. 

(a) The Administrator shall not take any action on behalf of the Company that the Company is prohibited from taking under the Transaction
Documents. 
 (b) The Administrator shall not be obligated or required by the Company to commence, join any other person in commencing, or
authorize a trustee or other person acting on its behalf or on behalf of others to commence, any involuntary bankruptcy, reorganization, arrangement, insolvency, conservatorship, receivership or similar proceedings under the laws of the United
States of America, any State or any other governmental authority against the Company. 
 (c) The Administrator shall not at any time with
respect to the Company, acquiesce, petition or otherwise invoke or cause the Company to invoke the process of any court or governmental authority for the purpose of commencing or sustaining any case against the Company under any federal or state
bankruptcy, insolvency or other similar law now or hereafter in effect or appointing a receiver, conservator, liquidator, assignee, trustee, custodian, sequestrator or other similar official of the Company or any substantial part of its property, or
ordering the winding up or liquidation of the affairs of the Company. 
 SECTION 4 

LIABILITY 
 The
Administrator shall render the services called for hereunder in good faith, taking into consideration the best interests of the Company. In no event shall the Administrator ever be liable under this Agreement or in connection with services provided
hereunder for any punitive, incidental, consequential or indirect damages in tort, contract or otherwise. 
 SECTION 5 

INFORMATION 
 (a) The
Company shall take such actions as are reasonably necessary to assist the Administrator to cause the other parties to the Transaction Documents and any other agreements to which the Company is a party to prepare and supply to the Administrator such
information regarding the performance of such agreements and documents as the Administrator may from time to time reasonably request in connection with the performance of its obligations hereunder. 

  
 -4- 

 (b) The Company recognizes that the accuracy and completeness of the records maintained, the
information supplied, and the actions and omissions taken by the Administrator hereunder are dependent upon the accuracy and completeness of the information obtained by the Administrator from the parties to the Transaction Documents and from other
sources, and the Administrator shall not be responsible for any inaccuracy in the information as obtained, for any inaccuracy in the records maintained by the Administrator hereunder or for any acts or omissions taken that may result from any such
inaccuracy, unless and to the extent the Administrator knows of such inaccuracy. 
 (c) The Company shall have reasonable access during
usual business hours to the books and records of the Administrator relating to the services provided by the Administrator hereunder. 

SECTION 6 
 LICENSE TO
USE PREMISES 
 (a) The Administrator hereby grants a license to the Company to use the Premises as office space for the transaction of
the Company’s business, and the Company hereby accepts such license, for the term, at the license fee and upon all of the conditions set forth in this Section 6. In addition, the Company and its employees (if any), invitees, agents
and guests hereby are granted the non-exclusive use of the common areas of the building in which the Premises are situated. 
 (b) The term
of the license to use the Premises shall commence as of the date of this Agreement and shall terminate concurrently with the termination of this Agreement in accordance with the provisions of Section 7. 

(c) For each calendar month, the Company shall pay to the Administrator a license fee (the “License Fee”) in the amount of
$200 payable on the 20th day of each month for the use of the Premises which the parties have agreed represents a reasonable allocation to the portion of the rent and any additional amounts for taxes, common area charges, utility charges (including
reasonable and customary telephone charges incurred in the course of business), and comparable expenses payable for such period by the Administrator for all space leased in the building in which the Premises are situated that the number of square
feet of the Premises bears to the total number of square feet leased by the Administrator in such building. The license fee includes compensation to the Administrator for office space in the Premises, utilities (including reasonable and customary
telephone charges incurred in the course of business) and access to other portions of the building in which the Premises are situated that are occupied by the Administrator, to the extent required for the needs of the Company under this Agreement.

 SECTION 7 
 TERM

 Either party to this Agreement may terminate this Agreement upon thirty (30) days’ written notice to the other party. 

  
 -5- 

 SECTION 8 

NOTICES 
 All notices,
requests and other communications permitted or required hereunder shall be in writing and shall be delivered personally or mailed by certified mail, postage prepaid and return receipt requested, as follows: 

If to the Administrator, addressed to: 

OneMain Financial, Inc. 
 300 St.
Paul Place 
 Baltimore, MD 21202 

If to the Company, addressed to: 

OneMain Financial Warehouse, LLC 

300 St. Paul Place 
 Legal
Department 
 Baltimore, MD 21202 
 or to such
other place within the United States of America as either party may designate as to itself by written notice to the other. All notices given by personal delivery or mail shall be effective on the date of actual receipt at the appropriate address.

 SECTION 9 

NON-EXCLUSIVE SERVICES 

The Administrator may engage in other business activities, including, without limitation, the provision of investment and collateral
management services, even though such business may compete with the business of the Company. Nothing in this Agreement shall limit or restrict the right of any director, officer or employee of the Administrator or any of its affiliates to engage in
any other business activity or to devote his or her time and attention to the management or other aspects of any other business, whether of a similar or dissimilar nature to the business of the Company. 

SECTION 10 
 ENTIRE
AGREEMENT; AMENDMENTS; WAIVER 
 This Agreement constitutes the entire agreement between the parties hereto. This Agreement may not be
amended, and no rights hereunder may be waived, except by a written document signed by the duly authorized representatives of the parties. No waiver of any of the provisions of this Agreement shall be deemed to be or shall constitute a waiver of any
other provisions hereof (whether or not similar), nor shall such waiver constitute a continuing waiver, unless otherwise expressly provided. 

  
 -6- 

 SECTION 11 

ASSIGNMENT 
 This
Agreement may not be assigned by either party without the prior written consent of the other party. Subject to the foregoing, this Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective successors and
permitted assigns. Any party’s transfer or assignment in violation of this Section 11 shall be void. 
 SECTION 12

 COUNTERPARTS 

This Agreement may be executed in any number of counterparts, each of which will be considered an original, but all of which together will
constitute one agreement. 
 SECTION 13 

GOVERNING LAW; SUBMISSION OR JURISDICTION; WAIVER OF JURY TRIAL 

THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT REFERENCE TO ITS CONFLICT OF
LAW PROVISIONS (OTHER THAN SECTION 5-1401 AND 5-1402 OF THE GENERAL OBLIGATIONS LAW), AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. 

EACH OF THE PARTIES HERETO HEREBY SUBMITS TO THE NONEXCLUSIVE JURISDICTION OF THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF
NEW YORK AND OF ANY NEW YORK STATE COURT SITTING IN THE COUNTY OF NEW YORK FOR PURPOSES OF ALL LEGAL PROCEEDINGS ARISING OUT OF OR RELATING TO THIS AGREEMENT, ANY OTHER TRANSACTION DOCUMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY OR THEREBY. EACH OF
THE PARTIES HERETO HEREBY IRREVOCABLY WAIVES, TO THE FULLEST EXTENT IT MAY EFFECTIVELY DO SO, ANY OBJECTION WHICH IT MAY NOW OR HEREAFTER HAVE TO THE LAYING OF THE VENUE OF ANY SUCH PROCEEDING BROUGHT IN SUCH A COURT AND ANY CLAIM THAT ANY SUCH
PROCEEDING BROUGHT IN SUCH A COURT HAS BEEN BROUGHT IN AN INCONVENIENT FORUM. NOTHING IN THIS SECTION 13 SHALL AFFECT THE RIGHT OF ANY PARTY HERETO TO BRING ANY ACTION OR PROCEEDING AGAINST ANY OTHER PARTY HERETO OR ANY OF THEIR PROPERTY IN THE
COURTS OF OTHER JURISDICTIONS. 
 EACH OF THE PARTIES HERETO HEREBY WAIVES ANY RIGHT TO HAVE A JURY PARTICIPATE IN RESOLVING ANY DISPUTE,
WHETHER ARISING IN CONTRACT, TORT OR OTHERWISE, AMONG ANY OF THEM ARISING OUT OF, CONNECTED WITH, RELATING TO AND INCIDENT TO THE RELATIONSHIP BETWEEN THEM IN CONNECTION WITH THIS AGREEMENT OR THE OTHER TRANSACTION DOCUMENTS. 

  
 -7- 

 SECTION 14 

CAPTIONS 
 The captions in
this Agreement are for convenience of reference only and shall not define or limit any of the terms or provisions hereof. 
 [Signature page
follows] 

  
 -8- 

 IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed as of the
day and year first above written. 
  

			
	ONEMAIN FINANCIAL WAREHOUSE, LLC
		
	By:		 /s/ Oona Robinson

			Name: Oona Robinson
			Title: Vice President & Assistant Treasurer
	
	ONEMAIN FINANCIAL, INC.
		
	By:		 /s/ Oona Robinson

			Name: Oona Robinson
			Title: Vice President & Assistant Treasurer

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