Document:

Exhibit 4.2

    

    SPRINGLEAF FINANCE CORPORATION,

    

    

    As Issuer

    

    

    
      

    

    

    ONEMAIN HOLDINGS, INC.,

    

    

    As Guarantor

    

    

    NINTH SUPPLEMENTAL INDENTURE

    

    

    Dated as of

    

    

    November 7, 2019

    

    

    
      

    

    

    WILMINGTON TRUST, NATIONAL ASSOCIATION,

    

    

    As Trustee

    
      
        

    

    
    TABLE OF CONTENTS

    PAGE

    

    

    ARTICLE 1

    DEFINITIONS

    

    

    	
            Section 1.01.

          	
            Rules of Construction

          	
            1

          
	
            Section 1.02.

          	
            Definition of Terms

          	
            2

          

    ARTICLE 2

    TERMS AND CONDITIONS OF THE NOTES

    

    

    	
            Section 2.01.

          	
            Designation and Principal Amount

          	
            5

          
	
            Section 2.02.

          	
            Original Issue of Notes; Further Issuances

          	
            5

          
	
            Section 2.03.

          	
            Maturity

          	
            6

          
	
            Section 2.04.

          	
            Interest

          	
            6

          
	
            Section 2.05.

          	
            Place of Payment

          	
            6

          
	
            Section 2.06.

          	
            Form; Denomination

          	
            6

          
	
            Section 2.07.

          	
            Depositary

          	
            6

          

    

    

    ARTICLE 3

    REDEMPTION OF THE NOTES

    

    

    	
            Section 3.01.

          	
            Optional Redemption

          	
            6

          
	
            Section 3.02.

          	
            Optional Redemption by the Company

          	
            7

          

    ARTICLE 4

    COVENANTS

    

    

    	
            Section 4.01.

          	
            Covenants

          	
            7

          

    

    

    ARTICLE 5

    NO SINKING FUNDS

    

    

    	
            Section 5.01.

          	
            No Sinking Funds

          	
            13

          

    

    

    ARTICLE 6

    EVENTS OF DEFAULT

    

    

    	
            Section 6.01.

          	
            Events of Default

          	
            13

          

    

    

    ARTICLE 7

    DEFEASANCE; SATISFACTION AND DISCHARGE

    

    

    	
            Section 7.01.

          	
            Defeasance

          	
            14

          
	
            Section 7.02.

          	
            Satisfaction and Discharge

          	
            14

          

    
      -i-

      
        

    

    ARTICLE 8

    MODIFICATION AND WAIVER

    

    

    	
            Section 8.01.

          	
            Modification and Waiver

          	
            14

          

    

    

    ARTICLE 9

    GUARANTEES

    

    

    	
            Section 9.01.

          	
            Guarantees

          	
            15

          

    

    

    ARTICLE 10

    MISCELLANEOUS

    

    

    	
            Section 10.01.

          	
            Section Provisions of Base Indenture Not Applicable

          	
            15

          
	
            Section 10.02.

          	
            Ratification of Indenture

          	
            15

          
	
            Section 10.03.

          	
            Effects of Headings and Table of Contents

          	
            15

          
	
            Section 10.04.

          	
            Governing Law; Waiver of Trial by Jury

          	
            15

          
	
            Section 10.05.

          	
            Counterparts, Originals

          	
            16

          
	
            Section 10.06.

          	
            Force Majeure

          	
            16

          
	
            Section 10.07.

          	
            U.S.A. Patriot Act

          	
            16

          
	
            Section 10.08.

          	
            Notices to the Company and Trustee

          	
            16

          
	
            Section 10.09.

          	
            Notices to Holders of Notes; Waiver

          	
            16

          
	
            Section 10.10.

          	
            Successors and Assigns

          	
            17

          
	
            Section 10.11.

          	
            Separability Clause

          	
            17

          
	
            Section 10.12.

          	
            Benefits of Supplemental Indenture

          	
            17

          

    
      -ii-

      
        

    

    NINTH SUPPLEMENTAL INDENTURE, dated as of November 7, 2019 (this “Supplemental Indenture”), among Springleaf Finance Corporation, an Indiana corporation (the “Company”), OneMain
      Holdings, Inc. (formerly Springleaf Holdings, Inc.), a Delaware corporation (“OMH”), as a Guarantor, and Wilmington Trust, National Association, a
      national banking association, as trustee (the “Trustee”), under the base Indenture, dated as of December 3, 2014, among the Company, the Guarantor
      and the Trustee (as amended, supplemented or otherwise modified from time to time, the “Base Indenture” and, together with this Supplemental
      Indenture, the “Indenture”).

    

    

    WHEREAS, the Company executed and delivered the Base Indenture to the Trustee to provide, among other things, for the future issuance of
      the Company’s Securities to be issued from time to time in one or more series as might be determined by the Company under the Base Indenture, in an unlimited aggregate principal amount which may be authenticated and delivered as provided in the Base
      Indenture;

    

    

    WHEREAS, Section 15.01 of the Base Indenture provides for various matters with respect to any series of Securities issued under the
      Indenture to be established in an indenture supplemental to the Indenture;

    

    

    WHEREAS, Section 15.01 of the Base Indenture provides for the Company and the Trustee to enter into an indenture supplemental to the Base
      Indenture to establish the form or terms of Securities of any series as provided by Sections 2.01 and 3.01 of the Base Indenture;

    

    

    WHEREAS, the Board of Directors has duly adopted resolutions authorizing the Company to execute and deliver this Supplemental Indenture;

    

    

    WHEREAS, the Company desires to provide for the establishment of a new series of its Securities to be known as its 5.375% Senior Notes due
      2029 (the “Initial Notes”), the form and substance of such Notes and the terms, provisions and conditions thereof to be set forth as provided in
      the Base Indenture and this Supplemental Indenture;

    

    

    WHEREAS, the Company now wishes to issue Notes in an initial aggregate principal amount of $750,000,000;

    

    

    WHEREAS, the Company has requested that the Trustee execute and deliver this Supplemental Indenture and all requirements necessary to make
      (i) this Supplemental Indenture a valid instrument in accordance with its terms, and (ii) the Notes, when executed by the Company and authenticated and delivered by the Trustee, the valid obligations of the Company, have been performed, and the
      execution and delivery of this Supplemental Indenture has been duly authorized in all respects;

    

    

    NOW THEREFORE, in consideration of the purchase and acceptance of the Notes by the Holders thereof, and for the purpose of setting forth,
      as provided in the Base Indenture, the form and substance of the Notes and the terms, provisions and conditions thereof, the Company covenants and agrees with the Trustee as follows:

    
      
        

    

    
    ARTICLE 1

    DEFINITIONS

    

    

    

    

    Section 1.01  Rules of Construction.  Unless the context otherwise requires:

    

    

    (a)          a term has the meaning
        assigned to it;

    

    

    (b)          an accounting term not
        otherwise defined has the meaning assigned to it in accordance with GAAP;

    

    

    (c)          “or” is not exclusive;

    

    

    (d)          words in the singular
        include the plural, and in the plural include the singular;

    

    

    (e)          the words “herein,” “hereof”
        and “hereunder” and other words of similar import refer to this Indenture as a whole and not to any particular Article, Section or other subdivision;

    

    

    (f)          all references to Sections
        or Articles or Exhibits refer to Sections or Articles or Exhibits of or to the Indenture unless otherwise indicated;

    

    

    (g)          “including” means including
        without limitation;

    

    

    (h)          “will” shall be interpreted
        to express a command; and

    

    

    (i)          provisions apply to
        successive events and transactions; and references to sections of or rules under the Securities Act, the Exchange Act and the TIA shall be deemed to include substitute, replacement and successor sections or rules adopted by the SEC from time to
        time.

    

    

    Section 1.02  Definition of Terms.  Unless the context otherwise requires:

    

    

    (a)          a term
        defined in the Base Indenture has the same meaning when used in this Supplemental Indenture unless the definition of such term is amended and supplemented pursuant to this Supplemental Indenture, in which case the definition in this Supplemental
        Indenture shall govern solely with respect to the Notes;

    

    

    (b)          a term
        defined anywhere in this Supplemental Indenture has the same meaning throughout;

    

    

    (c)          the
        singular includes the plural and vice versa;

    

    

    (d)          a
        reference to a Section or Article is to a Section or Article in this Supplemental Indenture;

    

    

    (e)          headings
        are for convenience of reference only and do not affect interpretation;

    

    

    (f)          the
        following terms have the meanings given to them in this  Section 1.02(f):

    

    

    “Additional Notes” has the meaning
      set forth in Section 2.02(b).

    
      -2-

      
        

    

    “Applicable Premium” means with
      respect to any Note on any Redemption Date, the excess, if any, as determined by the Company, of:

    

    

    (a)          the sum of the present
        values of the remaining scheduled payments of principal and interest on the Note (excluding accrued but unpaid interest to the Redemption Date), through May 15, 2029 (six months prior to the Stated Maturity of the Notes), discounted to the
        Redemption Date on a semi-annual basis using a discount rate equal to the Treasury Rate as of such Redemption Date plus 50 basis points; over

    

    

    (b)          the principal amount of the
        Note.

    

    

    The Company shall calculate the Applicable Premium and the Trustee shall have no responsibility to verify such amount.

    

    

    “Applicable Procedures” means, with
      respect to any transfer, exchange, payment, redemption offer, or communication delivered of or for beneficial interests in any Global Note, the rules and procedures of the Depositary that apply to such transfer, exchange, payment, redemption offer,
      or communication delivered.

    

    

    “Base Indenture” has the meaning set
      forth in the preamble hereto.

    

    

    “Board of Directors” of any Person
      means the Board of Directors of such Person, or comparable governing body, or any committee thereof duly authorized to act on behalf of such Board of Directors.

    

    

    “Business Day” means any day other
      than a Saturday, a Sunday or a day on which banking institutions in the City of New York, in the city where the Corporate Trust Office is located, or at a place of payment are authorized by law, regulation or executive order to remain closed. If a
      payment date is not a Business Day at a place of payment, payment may be made at that place on the next succeeding day that is a Business Day, and no interest shall accrue for the intervening period.

    

    

    “Consolidated Net Tangible Assets”
      means the total amount of assets (less depreciation and valuation reserves and other reserves and items deductible from the gross book value of specific asset amounts under generally accepted accounting principles) which under generally accepted
      accounting principles would be included on a balance sheet of the Company and its Subsidiaries, after deducting therefrom (i) all liability items except indebtedness (whether incurred, assumed or guaranteed) for borrowed money maturing by its terms
      more than one year from the date of creation thereof or which is extendible or renewable at the sole option of the obligor in such manner that it may become payable more than one year from the date of creation thereof, shareholder’s equity and
      reserves for deferred income taxes and (ii) all good will, trade names, trademarks, patents, unamortized debt discount and expense and other like intangibles, which in each case would be so included on such balance sheet.

    

    

    “Company” has the meaning set forth
      in the preamble hereto.

    

    

    “Default” means any event which is,
      or after notice or passage of time or both would be, an Event of Default.

    

    

    “Government Obligations,” with
      respect to any Note, means (i) direct obligations of the United States of America where the timely payment or payments thereunder are supported by the full faith and credit of the United States of America or (ii) obligations of a Person controlled or
      supervised by and acting as an agency or instrumentality of the United States of America where the timely payment or payments thereunder are unconditionally guaranteed as a full faith and credit obligation by the United States of America, and which,
      in the case of (i) or (ii), are not callable or redeemable at the option of the issuer or issuers thereof, and shall also include a depository receipt issued by a bank or trust company as custodian with respect to any such Government Obligation or a
      specific payment of interest on or principal of or other amount with respect to any such Government Obligation held by such custodian for the account of the holder of a depository receipt; provided, however that (except as required by law) such
      custodian is not authorized to make any deduction from the amount payable to the holder of such depository receipt from any amount received by the custodian in respect of the Government Obligation or the specific payment of interest on or principal
      of or other amount with respect to the Government Obligation evidenced by such depository receipt.

    
      -3-

      
        

    

    “Indebtedness” means all obligations
      which in accordance with generally accepted accounting principles would be classified upon a balance sheet as liabilities, including without limitation by the enumeration thereof, obligations arising through direct or indirect guarantees (including
      agreements, contingent or otherwise, to purchase Indebtedness or to purchase property or services for the primary purpose of enabling the payment of Indebtedness or assuring the owner of Indebtedness against loss) or through agreements, contingent or
      otherwise, to supply or advance funds for the payment or purchase of Indebtedness of others; provided, however, that in determining Indebtedness of any Person, there shall not be included rental obligations under any lease of such Person, whether or
      not such rental obligations would, under generally accepted accounting principles, be required to be shown on the balance sheet of such Person as a liability item.

    

    

    “Initial Notes” has the meaning
      assigned to it in the preamble to this Supplemental Indenture.

    

    

    “Issue Date” means November 7, 2019,
      the date of original issuance of Notes.

    

    

    “Maturity,” when used with respect
      to any Note, means the date on which the principal of such Note becomes due and payable as provided in the Notes and the Indenture, whether at the Stated Maturity or by declaration of acceleration, notice of redemption, notice of option to elect
      repayment or otherwise and includes any Redemption Date.

    

    

    “Mortgage” means any mortgage,
      pledge, lien, security interest, conditional sale or other title retention agreement or other similar encumbrance.

    

    

    “Notes” means the Initial Notes and
      more particularly means any Note authenticated and delivered under this Indenture. The Initial Notes and the Additional Notes shall be treated as a single class for all purposes under this Indenture and will vote on all matters as one class, and
      unless the context otherwise requires, all references to the Notes shall include the Initial Notes and any Additional Notes.

    

    

    “Person” means any individual,
      corporation, limited liability company, partnership, joint venture, joint-stock company, trust, unincorporated organization or government or any agency or political subdivision thereof.

    

    

    “Redemption Date” means, with
      respect to any Note to be redeemed, the date fixed for such redemption by or pursuant to this Indenture.

    

    

    “Redemption Price” means the amount
      payable for the redemption of any Note on a Redemption Date, exclusive of accrued and unpaid interest thereon to the Redemption Date.

    

    

    “Stated Maturity,” when used with
      respect to any Note or any installment of principal thereof or any premium or interest thereon, means the fixed date on which the principal of such Note or such installment of principal or premium or interest is due and payable.

    

    

    “Subsidiary” means any corporation
      of which at the time of determination the Company and/or one or more Subsidiaries owns or controls directly or indirectly more than 50% of the total voting power of shares of stock or other equity interests having general voting power under ordinary
      circumstances (without regard to the occurrence of any contingency) and entitled to vote in the election of directors, managers or trustees of such corporation.

    

    

    “Supplemental Indenture” has the
      meaning set forth in the preamble hereto.

    
      -4-

      
        

    

    “Treasury Rate” means, as of any
      Redemption Date, the yield to maturity as of such Redemption Date of United States Treasury securities with a constant maturity (as compiled and published in the most recent Federal Reserve Statistical Release H.15 (519) that has become publicly
      available at least two business days prior to the Redemption Date (or, if such Statistical Release is no longer published, any publicly available source of similar market data)) most nearly equal to the period from the Redemption Date to May 15,
      2029  (six months prior to the Stated Maturity of the Notes); provided, however, that if the period from the redemption date to May 15, 2029 (six months prior to the Stated Maturity of the Notes) is less than one year, the weekly average yield on
      actively traded United States Treasury securities adjusted to a constant maturity of one year will be used.

    

    

    “Trustee” has the meaning set forth
      in the preamble hereto.

    

    

    “Wholly-owned,” when used with
      reference to a Subsidiary, means a Subsidiary of which all of the outstanding capital stock (except directors’ qualifying shares) is owned by the Company and/or one or more wholly-owned Subsidiaries.

    

    

    ARTICLE 2

    TERMS AND CONDITIONS OF THE NOTES

    

    

    Section 2.01.  Designation and Principal Amount. There is hereby authorized a series
      of Securities designated the “5.375% Senior Notes due 2029” initially offered in the aggregate principal amount of $750,000,000, which amount shall be as set forth in a Company Order for the authentication and delivery of such Notes pursuant to
      Section 3.03 of the Base Indenture.  The aggregate principal amount of Notes that may be authenticated and delivered under this Indenture is unlimited.  Upon the execution of this Supplemental Indenture, or from time to time thereafter, Notes may be
      executed by the Company and delivered to the Trustee for authentication, and the Trustee shall thereupon authenticate and deliver Notes upon a written order of the Company, such order signed by an Officer of the Company, without any further action by
      the Company hereunder.  The Trustee shall authenticate Additional Notes from time to time for original issue in aggregate principal amounts specified by the Company upon delivery by the Company of such Additional Notes together with a Company Order
      for the authentication and delivery of such Additional Notes.

    

    

    Section 2.02. Original
          Issue of Notes; Further Issuances.

    

    

    (a)          Notes having an aggregate
        principal amount of $750,000,000 may, upon execution of this Supplemental Indenture, be executed by the Company and delivered to the Trustee for authentication, and the Trustee shall thereupon authenticate and deliver said Notes upon a Company
        Order, without any further action by the Company, except as otherwise required by the Indenture. The terms and provisions contained in the Notes shall constitute, and are hereby expressly made, a part of this Indenture and the Company, OMH and the
        Trustee, by their execution and delivery of this Indenture, expressly agree to such terms and provisions and to be bound thereby. Each Holder of (and Holder of beneficial interests in) any Note, by benefiting from such Note, agrees to be bound by
        the terms and conditions of this Indenture. To the extent any provision of any Note conflicts with the express provisions of this Indenture, the provisions of this Indenture shall govern and be controlling.

    

    

    (b)          The Company may, without
        notice to or the consent of the Holders of the Notes, issue additional Notes having identical terms and conditions as the Initial Notes, other than with respect to the date of issuance, issue price and first Interest Payment Date, in an unlimited
        aggregate principal amount (the “Additional Notes”).  Any such Additional Notes will be part of the same series as the Initial Notes and will be
        treated as one class with such Initial Notes, including, without limitation, for purposes of voting and redemptions; provided, that if any such Additional Notes are not fungible with the Initial Notes for U.S. federal income tax purposes, such
        Additional Notes shall have a separate CUSIP number.

    
      -5-

      
        

    

    Section 2.03. Maturity. 
      The Notes will mature on November 15, 2029.

    

    

    Section 2.04. Interest.
      The Notes will bear interest at the rate of 5.375% per annum from the most recent Interest Payment Date to which interest has been paid or duly provided for or, if no interest has been paid, from the Issue Date until the principal thereof becomes due
      and payable, payable semi-annually in arrears on May 15 and November 15 of each year (each, an “Interest Payment Date”), commencing on May 15,
      2020, to the Person in whose name such Note or any Predecessor Security is registered, at the close of business on the Record Date for such interest installment, which shall be the close of business on May 1 or November 1 (whether or not a Business
      Day), as the case may be, immediately preceding such Interest Payment Date, and at the foregoing respective rates on overdue principal.

    

    

    Section 2.05. Place of
          Payment.  The Place of Payment where Notes may be presented or surrendered for payment, where Notes may be surrendered for registration of transfer or exchange initially is the Corporate Trust Office of the Trustee.

    

    

    Section 2.06. Form;
          Denomination.

    

    

    (a)          The Notes and the Trustee’s
        Certificate of Authentication to be endorsed thereon are to be substantially in the form of Exhibit A hereto.

    

    

    (b)          The Notes shall be issued
        initially in the form of one or more permanent Global Notes in registered form, without coupons, substantially in the form herein below recited and attached as Exhibit A hereto (each, a “Global Note” and collectively, the “Global Notes”), deposited with the Trustee, as custodian for the
        Depositary, duly executed by the Company and authenticated by the Trustee as herein provided.

    

    

    The aggregate principal amount of each Global Note may from time to time be increased or decreased by adjustments made on the records of
      the Trustee, as custodian for the Depositary or its nominee, as provided in Section 3.03 of the Base Indenture.

    

    

    (c)          The Notes shall be issuable
        only in registered form, without coupons, in minimum denominations of $2,000 and integral multiples of $1,000 in excess thereof.  The Notes shall be numbered, lettered, or otherwise distinguished in such manner or in accordance with such plans as
        the officers of the Company executing the same may determine.

    

    

    Section 2.07. Depositary. 
      The Depository Trust Company shall be the initial Depositary, until a successor shall have been appointed and become such pursuant to the applicable provisions of this Supplemental Indenture, and thereafter, “Depositary” shall mean or include such successor.

    

    

    ARTICLE 3

    REDEMPTION OF THE NOTES

    

    

    Section 3.01. Optional
          Redemption.

    

    

    The Notes may be redeemed, in whole or in part, at the option of the Company pursuant to Section 3.02 hereof.  Other than as specifically
      provided in this ARTICLE 3, any redemption pursuant to this ARTICLE 3 will be made pursuant to the provisions of Article IV of the Base Indenture.

    
      -6-

      
        

    

    Section 3.02. Optional
          Redemption by the Company.

    

    

    Except as set forth in the next two succeeding paragraphs, the Notes are not subject to redemption prior to the Stated Maturity, and there
      is no sinking fund for the Notes.

    

    

    At any time or from time to time prior to May 15, 2029 (six months prior to the Stated Maturity of the Notes), the Company may redeem, at
      its option, all or part of the Notes  at a redemption price equal to the sum of (i) 100% of the principal amount thereof, plus (ii) the Applicable Premium as of the Redemption Date, plus (iii) accrued and unpaid interest on the Notes, if any, to, but
      excluding, the Redemption Date (subject to the right of Holders of record on the relevant Record Date to receive interest due on the relevant Interest Payment Date).

    

    

    In addition, at any time on or after May 15, 2029 (six months prior to the Stated Maturity of the Notes), the Company may redeem, at its
      option, all or part of the Notes at a redemption price equal to the sum of (i) 100% of the principal amount thereof, plus (ii) accrued and unpaid interest on the Notes, if any, to, but excluding, the Redemption Date (subject to the right of Holders
      of record on the relevant Record Date to receive interest due on the relevant Interest Payment Date).

    

    

    ARTICLE 4

    COVENANTS

    

    

    Section 4.01. Covenants.          With respect to the Notes, Article VI of the Base Indenture shall be replaced in its entirety with the following:

    

    

    ARTICLE VI

    

    

    PARTICULAR COVENANTS OF THE COMPANY

    

    

    The Company hereby covenants and agrees as follows:

    

    

    Section 6.01.          Payments of Notes.

    

    

    The Company shall promptly pay or cause to be paid the principal or the Redemption Price of, and interest, if any, on, the Notes on the
      dates, in the amounts and in the manner provided in the Notes and in this Indenture. Principal or the Redemption Price and interest, if any, shall be considered paid on the date due if on such date the Trustee or the Paying Agent holds in accordance
      with this Indenture no later than 10:00 a.m. New York City time, money sufficient to pay all principal or Redemption Price and interest, if any, then due.

    

    

    Interest on the Notes will accrue from the most recent date to which interest has been paid or, of no interest has been paid, from and
      including the Issue Date to but excluding the date of payment.

    

    

    The Company shall pay interest (including post-petition interest in any proceeding under Bankruptcy Law) on overdue principal or the
      Redemption Price at the rate specified therefor in the Notes, and it shall pay interest (including post-petition interest in any proceeding under Bankruptcy Law) on overdue installments of interest at the same rate to the extent lawful.

    
      -7-

      
        

    

    Section 6.02.          Paying Agent.

    

    

    (a)          The Company will maintain in
        each Place of Payment for the Notes, if any, an office or agency where Notes may be presented or surrendered for payment, where Notes may be surrendered for registration of transfer or exchange (the “Paying Agent”). The Company will give prompt written notice to the Trustee of the location, and any change in the location, of such office or agency. If at any time the Company shall
        fail to maintain any such required office or agency or shall fail to furnish the Trustee with the address thereof, such presentations and surrenders may be made at the Corporate Trust Office of the Trustee, and the Company hereby appoints the
        Trustee as Paying Agent to receive all presentations and surrenders.

    

    

    (b)          The Company may also from
        time to time designate different or additional offices or agencies where the Notes may be presented or surrendered for any or all such purposes (in or outside of such Place of Payment), and may from time to time rescind any such designations; provided, however, that no such designation or rescission shall in
        any manner relieve the Company of its obligations described in the preceding paragraph. The Company will give prompt written notice to the Trustee of any such additional designation or rescission of designation and of any change in the location of
        any such different or additional office or agency. The Company shall enter into an appropriate agency agreement with any Paying Agent not a party to the Indenture. The agreement shall implement the provisions of the Indenture that relate to such
        agent. The Company shall notify the Trustee of the name and address of each such agent. The Company or any Affiliate thereof may act as Paying Agent.

    

    

    Section 6.03.          To Hold Payment in Trust.

    

    

    (a)          If the Company or an
        Affiliate thereof shall at any time act as Paying Agent with respect to any Notes, then, on or before the date on which the principal of and premium, if any, or interest on the Notes by their terms or as a result of the calling thereof for
        redemption shall become payable, the Company or such Affiliate will segregate and hold in trust for the benefit of the Holders of the Notes or the Trustee a sum sufficient to pay such principal and premium, if any, or interest which shall have so
        become payable until such sums shall be paid to such Holders or otherwise disposed of as herein provided, and will notify the Trustee of its action or failure to act in that regard. Upon any proceeding under any federal bankruptcy laws with respect
        to the Company or any Affiliate thereof, if the Company or such Affiliate is then acting as Paying Agent, the Trustee shall replace the Company or such Affiliate as Paying Agent.

    

    

    (b)          If the Company shall
        appoint, and at the time have, a Paying Agent for the payment of the principal of and premium, if any, or interest any the Notes, then prior to 10:00 a.m., New York City time, on the date on which the principal of and premium, if any, or interest
        on the Notes shall become payable as aforesaid, whether by their terms or as a result of the calling thereof for redemption, the Company will deposit with such Paying Agent a sum sufficient to pay such principal and premium, if any, or interest so
        becoming due, such sum to be held in trust for the benefit of the Holders entitled to such principal, premium, if any, or interest, and (unless such Paying Agent is the Trustee), the Company or any other obligor of the Notes will promptly notify
        the Trustee of such action or any failure to so act.

    

    

    (c)          If the Paying Agent shall be
        other than the Trustee, the Company will cause such Paying Agent to execute and deliver to the Trustee an instrument in which such Paying Agent shall agree with the Trustee, subject to the provisions of this Section 6.03, that such Paying Agent
        shall:

    

    

    (i)          hold
        all sums held by it for the payment of the principal of and premium, if any, or interest on the Notes in trust for the benefit of the Holders entitled thereto until such sums shall be paid to such Holders or otherwise disposed of as herein
        provided;

    
      -8-

      
        

    

    (ii)          give
        to the Trustee notice of any Default by the Company or any other obligor upon the Notes in the making of any payment of the principal of and premium, if any, or interest on the Notes;

    

    

    (iii)          at
        any time during the continuance of any such Default, upon the written request of the Trustee, pay to the Trustee all sums so held in trust by such Paying Agent; and

    

    

    (iv)          acknowledge,
        accept and agree to comply in all aspects with the provisions of this Indenture relating to the duties, rights and liabilities of such Paying Agent.

    

    

    (d)          Anything in this Section
        6.03 to the contrary notwithstanding, the Company may at any time, for the purpose of obtaining a release, satisfaction or discharge of this Indenture or for any other reason, pay or cause to be paid to the Trustee all sums held in trust by the
        Company or by any Paying Agent other than the Trustee as required by this Section 6.03, such sums to be held by the Trustee upon the same trusts as those upon which such sums were held by the Company or such Paying Agent.

    

    

    (e)          Subject to applicable
        abandoned property law, any money deposited with the Trustee or any Paying Agent, or then held by the Company, in trust for the payment of the principal of and premium, if any, or interest on any Notes and remaining unclaimed for two years after
        such principal and premium, if any, or interest has become due and payable shall be paid to the Company upon Company Order along with interest (if any) that has accumulated thereon as a result of such money being invested at the direction of the
        Company, or (if then held by the Company) shall be discharged from such trust, and the Holder of such Note shall thereafter, as an unsecured general creditor, look only to the Company for payment of such amounts without interest thereon, and all
        liability of the Trustee or such Paying Agent with respect to such trust money, and all liability of the Company as trustee thereof, shall thereupon cease; provided,
        however, that the Trustee or such Paying Agent before being required to make any such repayment, may at the expense of the Company cause to be published
        once, in a newspaper published in the English language, customarily published on each Business Day and of general circulation in The City of New York, notice that such money remains unclaimed and that, after a date specified therein, which shall
        not be less than 30 days from the date of such publication, any unclaimed balance of such money then remaining will be repaid to the Company.

    

    

    Section 6.04.          Corporate Existence.  Subject to Article VII, the Company will do or cause to be done all things necessary to preserve and keep in full force and effect the
        corporate existence, rights (charter and statutory), licenses and franchises of the Company; provided, however, that the Company will not be required to preserve any such existence, right, license or franchise if the Board of Directors shall
        determine that the preservation thereof is no longer desirable in the conduct of the business of the Company and that the loss thereof is not adverse in any material respect to the Holders.

    

    

    Section 6.05.          Compliance Certificate.

    

    

    (a)          The Company shall deliver to
        the Trustee, within 120 days after the end of each fiscal year of the Company, a written statement, which need not comply with Section 18.01, signed by the principal executive officer, principal financial officer or principal accounting officer of
        the Company, as to his or her knowledge of the Company’s compliance with all conditions and covenants under the Indenture.  For purposes of this Section 6.05, such compliance shall be determined without regard to any period of grace or requirement
        of notice under this Indenture.

    

    

    (b)          The Company shall deliver to
        the Trustee, within ten days after the occurrence thereof written notice of any event which would constitute a Default.

    
      -9-

      
        

    

    Section 6.06.          SEC Reports.

    

    

    (a)          The Company, to the extent
        required pursuant to Section 314(a) of the TIA, shall file with the Trustee, within fifteen days after the Company is required to file the same with the SEC, copies of the annual reports and of the information, documents and other reports (or
        copies of such portions of any of the foregoing as the SEC may from time to time by rules and regulations prescribe) which the Company may be required to file with the SEC pursuant to Section 13 or Section 15(d) of the Exchange Act, or, if the
        Company is not required to file information, documents or reports pursuant to either of such Sections, then to file with the Trustee and the SEC, in accordance with the rules and regulations prescribed from time to time by the SEC, such of the
        supplementary and periodic information, documents and reports which would be required pursuant to Section 13 of the Exchange Act in respect of a security listed and registered on a national securities exchange as may be prescribed from time to time
        in such rules and regulations.

    

    

    (b)          The Company, to the extent
        required pursuant to Section 314(a) of the TIA, shall file with the Trustee and the SEC, in accordance with the rules and regulations prescribed from time to time by the SEC, such additional information, documents and reports with respect to
        compliance by the Company with the conditions and covenants provided for in the Indenture as may be required from time to time by such rules and regulations.

    

    

    (c)          The Company, to the extent
        required pursuant to Section 314(a) of the TIA, shall transmit to the Holders of the Notes within 30 days after the filing thereof with the Trustee, in the manner and to the extent provided in Section 313(c) of the TIA, such summaries of any
        information, documents and reports required to be filed by the Company pursuant to the two immediately preceding sentences as may be required by rules and regulations prescribed from time to time by the SEC.

    

    

    (d)          The Company shall notify the
        Trustee when and as the Notes become admitted to trading on any national securities exchange.

    

    

    (e)          Delivery of such reports,
        information and documents to the Trustee pursuant to this Section 6.06 is for informational purposes only, and the Trustee’s receipt thereof shall not constitute constructive notice of any information contained therein or determinable from
        information contained therein, including the Company’s compliance with any of its covenants under the Indenture (as to which the Trustee is entitled to certificates).

    

    

    Section 6.07.          Limitation on Liens.

    

    

    (a)          The Company shall not at any
        time, directly or indirectly, create, assume or suffer to exist, and shall not cause, suffer or permit any Subsidiary to create, assume or suffer to exist, any Mortgage of or upon any of its or their properties or assets, real or personal, whether
        owned at the Issue Date or thereafter acquired, or of or upon any income or profit therefrom, without making effective provision, and the Company covenants that in any such case the Company will make or cause to be made effective provision, whereby
        the Notes shall be secured by such Mortgage equally and ratably with or prior to any and all other obligations and indebtedness to be secured thereby, so long as any such other obligations and indebtedness shall be so secured.

    

    

    (b)          Nothing in this Section 6.07
        shall be construed to prevent the Company or any Subsidiary from creating, assuming or suffering to exist, and the Company or any Subsidiary is hereby expressly permitted to create, assume or suffer to exist, without securing the Notes as
        hereinabove provided, any Mortgage of the following character:

    
      -10-

      
        

    

    (1)          any Mortgage on any
        properties or assets of the Company or any Subsidiary existing on the Issue Date;

    

    

    (2)          any Mortgage on any
        properties or assets of the Company or any Subsidiary, in addition to those otherwise permitted by this subsection (b) of this Section 6.07, securing Indebtedness of the Company or any Subsidiary and refundings or extensions of any such Mortgage
        and the Indebtedness secured thereby for amounts not exceeding the principal amount of the Indebtedness so refunded or extended at the time of the refunding or extension thereof and covering only the same property theretofore securing the same; provided that at the time such Indebtedness was initially incurred, the aggregate amount of secured Indebtedness permitted by this paragraph (2), after giving
        effect to such incurrence, does not exceed 10% of Consolidated Net Tangible Assets;

    

    

    (3)          any Mortgage on any
        property or assets of any Subsidiary to secure Indebtedness owing by it to the Company or to a Wholly-owned Subsidiary;

    

    

    (4)          any Mortgage on any
        property or assets of any Subsidiary to secure, in the ordinary course of business, its Indebtedness, if as a matter of practice, prior to the time it became a Subsidiary, it had borrowed on the basis of secured loans or had customarily deposited
        collateral to secure any or all of its obligations;

    

    

    (5)          any purchase money
        Mortgage on property, real or personal, acquired or constructed by the Company or any Subsidiary after the Issue Date, to secure the purchase price of such property (or to secure Indebtedness incurred for the purpose of financing the acquisition or
        construction of any such property to be subject to such Mortgage), or Mortgages existing on any such property at the time of acquisition, whether or not assumed, or any Mortgage existing on any property of any corporation at the time it becomes a
        Subsidiary, or any Mortgage with respect to any property hereafter acquired; provided, however, that the aggregate principal amount of the Indebtedness secured by all such Mortgages on a particular parcel of property shall not exceed 75% of the cost of such property, including the improvements thereon, to the
        Company or any such Subsidiary; and provided, further, that any
        such Mortgage does not spread to other property owned prior to such acquisition or construction or to property thereafter acquired or constructed other than additions to such property;

    

    

    (6)          refinancing, refunding,
        extension, renewal or replacement (or successive refinancings, refundings, extensions, renewals or replacements) of any Mortgage permitted by this subsection (b) of this Section 6.07 (other than pursuant to paragraph (2) hereof) for amounts not
        exceeding (A) the principal amount of the Indebtedness so refinanced, refunded, extended, renewed or replaced at the time of the refunding or extension thereof, and (B) an amount necessary to pay any fees and expenses, including premiums, related
        to such refinancing, refunding, extension, renewal or replacement, and covering only the same property theretofore securing the same;

    

    

    (7)          deposits, liens or pledges
        to enable the Company or any Subsidiary to exercise any privilege or license, or to secure payments of workmen’s compensation, unemployment insurance, old age pensions or other social security, or to secure the performance of bids, tenders,
        contracts or leases to which the Company or any Subsidiary is a party, or to secure public or statutory obligations of the Company or any Subsidiary, or to secure surety, stay or appeal bonds to which the Company or any Subsidiary is a party; or
        other similar deposits, liens or pledges made in the ordinary course of business;

    

    

    (8)          mechanics’, workmen’s,
        repairmen’s, materialmen’s, or carriers’ liens; or other similar liens arising in the ordinary course of business; or deposits or pledges to obtain the release of any such liens;

    
      -11-

      
        

    

    (9)          liens arising out of
        judgments or awards against the Company or any Subsidiary with respect to which the Company or such Subsidiary shall in good faith be prosecuting an appeal or proceedings for review; or liens incurred by the Company or any Subsidiary for the
        purpose of obtaining a stay or discharge in the course of any legal proceeding to which the Company or such Subsidiary is a party;

    

    

    (10)          liens for taxes not yet
        subject to penalties for non-payment or contested, or minor survey exceptions, or minor encumbrances, easements or reservations of, or rights of others for, rights of way, sewers, electric lines, telegraph and telephone lines and other similar
        purposes, or zoning or other restrictions as to the use of real properties, which encumbrances, easements, reservations, rights and restrictions do not in the aggregate materially detract from the value of said properties or materially impair their
        use in the operation of the business of the Company or of the Subsidiary owning the same;

    

    

    (11)          other liens, charges and
        encumbrances incidental to the conduct of its business or the ownership of its property and assets which were not incurred in connection with the borrowing of money or the obtaining of advances or credit, and which do not in the aggregate
        materially detract from the value of its property and assets or materially impair the use thereof in the operation of its business; and

    

    

    (12)          any Mortgage created by
        the Company or any Subsidiary in connection with a transaction intended by the Company or such Subsidiary to be one or more sales of properties or assets of the Company or such Subsidiary; provided that such Mortgage shall only apply to the properties or assets involved in such sale or sales, the income from such properties or assets and/or the proceeds of such properties or assets.

    

    

    (c)          If at any time the Company
        or any Subsidiary shall create or assume any Mortgage not permitted by subsection (b) of this Section 6.07, to which the covenant in subsection (a) of this Section 6.07 is applicable, the Company shall promptly deliver to the Trustee (1) an
        Officer’s Certificate stating that the covenant contained in subsection (a) of this Section 6.07 has been complied with, and (2) an Opinion of Counsel to the effect that the covenant contained in subsection (a) of this Section 6.07 has been
        complied with, and that any instruments executed by the Company in the performance of such covenant comply with the requirements of such Section.

    

    

    (d)          In the event that the
        Company shall hereafter secure the Notes equally and ratably with (or prior to) any other obligation or indebtedness pursuant to the provisions of this Section 6.07, the Trustee is hereby authorized to enter into an indenture or agreement
        supplemental hereto and to take such other actions, if any, as the Company may deem advisable to enable the Trustee to enforce effectively the rights of the Holders of the Notes so secured equally and ratably with (or prior to) such other
        obligation or indebtedness.

    

    

    Section 6.08.          Conditional Waiver by Holders of Notes.  Anything in the Indenture to the contrary notwithstanding, the Company may fail or omit in any particular instance to
        comply with a covenant or condition set forth herein with respect to the Notes if the Company shall have obtained and filed with the Trustee, prior to the time of such failure or omission, evidence (as provided in Article IX) of the consent of the
        Holders of a majority in aggregate principal amount of the Notes at the time Outstanding, either waiving such compliance in such instance or generally waiving compliance with such covenant or condition, but no such waiver shall extend to or affect
        such covenant or condition except to the extent so expressly waived, or impair any right consequent thereon and, until such waiver shall have become effective, the obligations of the Company and the duties of the Trustee in respect of any such
        covenant or condition shall remain in full force and effect.

    
      -12-

      
        

    

    ARTICLE 5

    NO SINKING FUNDS

    

    

    Section 5.01.   No Sinking Funds.  The provisions of Article V of the Base Indenture shall not be applicable to the Notes.

    

    

    ARTICLE 6

    EVENTS OF DEFAULT

    

    

    Section 6.01.   Events of Default.  With respect to the Notes, Section 8.01 of the Base Indenture shall be replaced in its entirety with the following:

    

    

    Section 8.01.   Events of Default.

    

    

    An “Event of Default” wherever used herein,
      means any one of the following events:

    

    

    (a)          a default
        in the payment of any interest payable in respect of any Note, when such interest becomes due and payable, and continuance of such default for a period of 30 days;

    

    

    (b)          a default
        in the payment of the principal of and any premium on any Note when it becomes due and payable at its Maturity;

    

    

    (c)          a default
        in the performance, or breach, of any covenant or warranty of the Company in this Indenture or the Notes, and continuance of such default or breach for a period of 90 days;

    

    

    (d)          an event
        of default, as defined in any mortgage, indenture or instrument under which there may be issued, or by which there may be secured or evidenced, any Indebtedness for money borrowed of the Company, whether such Indebtedness now exists or shall
        hereafter be created, shall happen and shall result in a principal amount in excess of $25,000,000 of Indebtedness becoming or being declared due and payable prior to the date on which it would otherwise have become due and payable, and such
        acceleration shall not have been rescinded or annulled, or such Indebtedness shall not have been discharged, within a period of 15 days;

    

    

    (e)          a court
        having jurisdiction in the premises shall have entered a decree or order for relief in respect of the Company in an involuntary proceeding under any Bankruptcy Law, or appointing a receiver, liquidator, assignee, custodian, trustee, sequestrator
        (or other similar official) of the Company or of all or any substantial part of its property, or ordering the winding-up or liquidation of its affairs, and such decree or order shall remain unstayed and in effect for a period of 60 consecutive
        days; and

    

    

    (f)          the
        Company shall have commenced a voluntary proceeding under any Bankruptcy Law, or shall have, consented to the entry, of an order for, relief in an involuntary case under any such law, or shall have consented to the appointment of or taking
        possession by a receiver, liquidator, assignee, trustee, custodian, sequestrator (or other similar official) of the Company, or of all or any substantial part of its property, or shall have made an assignment for the benefit of creditors.

    

    

    A Default under clause (c) or (d) is not an Event of Default until the Trustee or the Holders of at least 25% in aggregate principal amount
      of the Outstanding Notes notify the Company in writing of the Default, and the Company does not cure the Default within the time specified in such clause after receipt of such notice.

    
      -13-

      
        

    

    When a Default under clause (c) or (d) is cured or remedied within the specified period, it ceases to exist.

    

    

    The foregoing will constitute Events of Default whatever the reason for any such Event of Default and whether it is voluntary or
      involuntary or is effected by operation of law or pursuant to any judgment, decree or order of any court or any order, rule or regulation of any administrative or governmental body.

    

    

    ARTICLE 7

    DEFEASANCE; SATISFACTION AND DISCHARGE

    

    

        Section 7.01.  Defeasance.  Legal defeasance of the Notes under Section 13.02 of the Base Indenture and covenant defeasance of the Notes under Section 13.03 of the Base Indenture
      shall be applicable to the Notes, and the Company may at its option, at any time, with respect to the Notes, elect to have Section 13.02 or Section 13.03 of the Base Indenture be applied to the Outstanding Notes upon compliance with the conditions
      set forth in Section 13.04 of the Base Indenture. In addition to Section 7.01 of the Base Indenture, Article 4 of this Supplemental Indenture shall be subject to covenant defeasance under Section 13.03 of the Base Indenture.

    

    

        Section 7.02.  Satisfaction and Discharge.  Satisfaction and discharge of the Indenture under Section 13.09 of the Base Indenture shall be applicable to the
      Notes.

    

    

    ARTICLE 8

    MODIFICATION AND WAIVER

    

    

        Section 8.01.  Modification and Waiver.  With respect to the Notes, Section 15.01 of the Base Indenture shall be replaced in its entirety with the following:

    

    

    Section 15.01  Without
            Consent of Holders of Notes.

    

    

    Notwithstanding Section 15.02 of this Indenture, the Company and the Trustee may modify or amend this Indenture or the Notes without the
      consent of any Holder of a Note:

    

    

    (a)          to
        evidence that another entity is our successor and has assumed our obligations with respect to the Notes;

    

    

    (b)          to add to
        our covenants or to add guarantees of any Person for the benefit of the Holders of the Notes or to surrender any of our rights or powers under this Indenture;

    

    

    (c)          to add
        any Events of Default;

    

    

    (d)          to change
        or eliminate any restrictions on the payment of the principal of, or any premium or interest on, any Notes, to modify the provisions relating to Global Notes, or to permit the issuance of Notes in uncertificated form, so long as in any such case
        the interests of the Holders of Notes are not adversely affected in any material respect;

    

    

    (e)          to secure
        the Notes;

    
      -14-

      
        

    

    (f)          to
        provide for the appointment of a successor Trustee with respect to the Notes;

    

    

    (g)          to
        provide for the discharge of this Indenture with respect to the Notes by the deposit in trust of money, Government Obligations or a combination thereof, in accordance with the provisions of Article XIII;

    

    

    (h)          to make
        certain changes to this Indenture to provide for the issuance of Additional Notes;

    

    

    (i)          to cure
        any ambiguity, defect or inconsistency in this Indenture or to make any other provisions with respect to matters or questions arising under this Indenture, so long as the action does not adversely affect the interests of the Holders of the Notes in
        any material respect; or

    

    

    (j)          to
        conform the text of this Indenture or the Notes to any provision of the “Description of the Notes” in the Company’s prospectus supplement dated November 5, 2019.

    

    

    ARTICLE 9

    GUARANTEES

    

    

    Section 9.01. Guarantees. The provisions of Article XVII of the Base Indenture shall be applicable to the Notes.  The Notes shall be guaranteed by OMH as provided in the Base
      Indenture.

    

    

    ARTICLE 10

    MISCELLANEOUS

    

    

    Section 10.01. Section Provisions
          of Base Indenture Not Applicable. Notwithstanding anything to the contrary in the Indenture, Article V and Article XVI of the Base Indenture shall not apply with respect to the Notes.

    

    

    Section 10.02. Ratification of Indenture.  The Base Indenture, as supplemented by this
      Supplemental Indenture, is in all respects ratified and confirmed, and this Supplemental Indenture shall be deemed part of the Indenture in the manner and to the extent herein and therein provided.

    

    

    Section 10.03. Effects of Headings and Table of Contents.  The Article and Section
      headings herein and the Table of Contents are for convenience only and shall not affect the construction hereof.

    

    

        SECTION 10.04   GOVERNING LAW; WAIVER OF TRIAL BY JURY.  THIS SUPPLEMENTAL INDENTURE
      AND THE NOTES SHALL BE DEEMED TO BE CONTRACTS MADE UNDER THE LAW OF THE STATE OF NEW YORK, AND FOR ALL PURPOSES SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAW OF SAID STATE.

    

    

    EACH PARTY HERETO, AND EACH HOLDER OF A SECURITY BY ACCEPTANCE THEREOF, HEREBY WAIVES, TO THE FULLEST EXTENT PERMITTED
      BY APPLICABLE LAW, ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF, UNDER OR IN CONNECTION WITH THIS SUPPLEMENTAL INDENTURE

    
      -15-

      
        

    

    Section 10.05. Counterparts; Originals.  This Supplemental Indenture may be executed in
      any number of counterparts, each of which so executed shall be deemed to be an original, but all such counterparts shall together constitute but one and the same instrument. The exchange of copies of this Supplemental Indenture and of signature pages
      by facsimile or PDF transmission shall constitute effective execution and delivery of this Supplemental Indenture as to the parties hereto and may be used in lieu of the original Supplemental Indenture for all purposes. Signatures of the parties
      hereto transmitted by facsimile or PDF shall be deemed to be their original signatures for all purposes.

    

    

    Section 10.06. Force Majeure.  In no event shall the Trustee be responsible or liable for
      any failure or delay in the performance of its obligations hereunder arising out of or caused by, directly or indirectly, forces beyond its control, including, without limitation, strikes, work stoppages, accidents, acts of war or terrorism, civil or
      military disturbances, nuclear or natural catastrophes or acts of God, and interruptions, loss or malfunctions of utilities, communications or computer (software and hardware) services; it being understood that the Trustee shall use reasonable
      efforts which are consistent with accepted practices in the banking industry to resume performance as soon as practicable under the circumstances.

    

    

    Section 10.07. U.S.A. Patriot Act.  The parties hereto acknowledge that in accordance
      with Section 326 of the U.S.A. Patriot Act, the Trustee, like all financial institutions and in order to help fight the funding of terrorism and money laundering, is required to obtain, verify, and record information that identifies each person or
      legal entity that establishes a relationship or opens an account with the Trustee. The parties to this Supplemental Indenture agree that they will provide the Trustee with such information as it may request in order for the Trustee to satisfy the
      requirements of the U.S.A. Patriot Act.

    

    

    Section 10.08. Notices to the Company and Trustee.  Any notice or demand authorized by
      this Supplemental Indenture to be made upon, given or furnished to, or filed with, the Company or the Trustee shall be sufficiently made, given, furnished or filed for all purposes if it shall be given, delivered or transmitted by facsimile to:

    

    

    (a)          the Company, at 601 N.W.
        Second Street, Evansville, Indiana 47708, Attention:  Treasurer, Facsimile No.: (812) 468-5352 or at such other address or facsimile number as may have been furnished in writing to the Trustee by the Company.

    

    

    (b)          the Trustee, at the
        Corporate Trust Office of the Trustee, at Wilmington Trust, National Association, 1100 N. Market Street, Wilmington, Delaware 19890, Attention: Springleaf Finance Corporation Administrator, Facsimile No.: (302) 636-4145.

    

    

    Any such notice, demand or other document shall be in the English language.

    

    

    Section 10.09. Notices to Holders of Notes; Waiver.  Any notice required or permitted to
      be given to Holders of Notes shall be sufficiently given (unless otherwise herein expressly provided),

    

    

    (a)          if to Holders, if given in
        writing by first class mail, postage prepaid, to such Holders at their addresses as the same shall appear on the Register of the Company; provided, that in
        the event of suspension of regular mail service or by reason of any other cause it shall be impracticable to give notice by mail, then such notification as shall be given with the approval of the Company shall constitute sufficient notice for every
        purpose hereunder; or

    

    

    (b)          if a series of Notes has
        been issued in global form through DTC as Depositary or through another Depositary, notice may be provided in all cases by delivery of such notice to DTC or such other Depositary, as applicable, pursuant to its then Applicable Procedures or a
        successor system thereof.

    
      -16-

      
        

    

    Where this Supplemental Indenture provides for notice in any manner, such notice may be waived in writing by the Person entitled to receive
      such notice, either before or after the event, and such waiver shall be the equivalent of such notice. Waivers of notice by Holders shall be filed with the Trustee, but such filing shall not be a condition precedent to the validity of any action
      taken in reliance on such waiver. In any case where notice to Holders is given by mail; neither the failure to mail such notice nor any defect in any notice so given to any particular Holder shall affect the sufficiency of such notice with respect to
      other Holders, and any notice that is given in the manner herein provided shall be conclusively presumed to have been duly given. In any case where notice to Holders is given by publication, any defect in any notice so published as to any particular
      Holder shall not affect the sufficiency of such notice with respect to other Holders, and any notice that is published in the manner herein provided shall be conclusively presumed to have been duly given.

    

    

    Section 10.10. Successors and Assigns.  All covenants and agreements in this Supplemental Indenture by the parties hereto shall bind
      their respective successors and assigns and inure to the benefit of their permitted successors and assigns, whether so expressed or not.

    

    

    Section 10.11. Separability Clause.  In case any provision in this Supplemental Indenture or in the Notes shall be invalid, illegal or
      unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby.

    

    

    Section 10.12. Benefits of Supplemental Indenture.  Nothing in this Supplemental Indenture expressed and nothing that may be implied
      from any of the provisions hereof is intended, or shall be construed, to confer upon, or to give to, any Person or corporation other than the parties hereto and their successors and the Holders of the Notes any benefit or any right, remedy or claim
      under or by reason of this Supplemental Indenture or any covenant, condition, stipulation, promise or agreement hereof, and all covenants, conditions, stipulations, promises and agreements in this Supplemental Indenture contained shall be for the
      sole and exclusive benefit of the parties hereto and their successors and of the Holders of the Notes.

    
      -17-

      
        

    

    IN WITNESS WHEREOF, the parties hereto have caused this Supplemental Indenture to be duly executed.

    

    

    	 	
            SPRINGLEAF FINANCE CORPORATION, as the Company

          
	 	 	 
	 	
            By:

          	
            /s/ David R. Schulz

          
	 	 	
            Name: David R. Schulz

          
	 	 	
            Title: Senior Vice President and Treasurer

          
	 	 	 
	 	
            ONEMAIN HOLDINGS, INC., as Guarantor

          
	 	 	 
	 	
            By:

          	
            /s/ David R. Schulz

          
	 	 	
            Name: David R. Schulz

          
	 	 	
            Title: Senior Vice President and Treasurer

          
	 	 	 
	 	
            WILMINGTON TRUST, NATIONAL ASSOCIATION, as Trustee

          
	 	 	 
	 	
            By:

          	
            /s/ W. Thomas Morris, II

          
	 	 	
            Name: W. Thomas Morris, II

          
	 	 	
            Title: Vice President

          

    
      
        

    

    [FORM OF FACE OF SECURITY]

    

    

    THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF THE
      DEPOSITARY OR A NOMINEE OF THE DEPOSITARY, WHICH MAY BE TREATED BY THE COMPANY, THE TRUSTEE AND ANY AGENT THEREOF AS OWNER AND HOLDER OF THIS SECURITY FOR ALL PURPOSES.

    

    

    UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITARY TO THE COMPANY OR ITS AGENT FOR REGISTRATION OF
      TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF THE NOMINEE OF THE DEPOSITARY OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITARY (AND ANY PAYMENT HEREON IS MADE TO THE
      NOMINEE OF THE DEPOSITARY OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITARY), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF,
      THE NOMINEE OF THE DEPOSITARY, HAS AN INTEREST HEREIN.

    

    

    TRANSFERS OF THIS GLOBAL SECURITY SHALL BE LIMITED TO TRANSFERS IN WHOLE, BUT NOT IN PART, BY THE DEPOSITARY TO A NOMINEE OF THE
      DEPOSITARY, OR BY A NOMINEE OF THE DEPOSITARY TO THE DEPOSITARY OR ANOTHER NOMINEE OF THE DEPOSITARY, OR BY THE DEPOSITARY OR ANY SUCH NOMINEE TO A SUCCESSOR DEPOSITARY OR A NOMINEE OF SUCH SUCCESSOR DEPOSITARY.

    
      
        

    

    CUSIP No. 85172F AR0

    ISIN No. US85172FAR01

    

    

    Springleaf Finance Corporation

    5.375% SENIOR NOTES DUE 2029

    	
            No. ___

          	 	
                          $_________

          
	 	 	
            As revised by the

          
	 	 	
            Schedule of Increases

            or Decreases in Global Security

            attached hereto

          

    

    

    Interest. Springleaf Finance
      Corporation, an Indiana corporation (herein called the “Company,” which term includes any successor Person under the Indenture hereinafter referred to), for value received, hereby promises to pay to ___________ or registered assigns, the principal
      sum of ___ million dollars ($_________), as revised by the Schedule of Increases or Decreases in Global Security attached hereto, on November 15, 2029 and to pay interest thereon from November 7, 2019 or from the most recent Interest Payment Date to
      which interest has been paid or duly provided for, semi-annually in arrears on May 15 and November 15 of each year, commencing May 15, 2020 at the rate of 5.375% per annum, until the principal hereof is paid or made available for payment.

    

    

    Method of Payment. The interest so
      payable, and punctually paid or duly provided for, on any Interest Payment Date will, as provided in such Indenture, be paid to the Person in whose name this Note (or one or more Predecessor Securities) is registered at the close of business on the
      Record Date for such interest, which shall be May 1 or November 1, as the case may be, next preceding such Interest Payment Date. Any such interest not so punctually paid or duly provided for will forthwith cease to be payable to the Holder on such
      Record Date and may either be paid to the Person in whose name this Note (or one or more Predecessor Securities) is registered at the close of business on a Special Record Date for the payment of such Defaulted Interest to be fixed by the Company,
      notice thereof having been given to Holders of Notes of this series not less than 10 days prior to such Special Record Date, all as more fully provided in said Indenture. Payment of the principal of (and premium, if any) and any such interest on this
      Note will be made at the Corporate Trust Office in U.S. Dollars.

    

    

    Reference is hereby made to the further provisions of this Note set forth on the reverse hereof, which further provisions shall for all
      purposes have the same effect as if set forth at this place.

    

    

    Authentication. Unless the
      certificate of authentication hereon has been executed by the Trustee referred to on the reverse hereof by manual signature, this Note shall not be entitled to any benefit under the Indenture or be valid or obligatory for any purpose.

    
      
        

    

    IN WITNESS WHEREOF, the Company has caused this instrument to be duly executed.

    

    

    	 	
            SPRINGLEAF FINANCE CORPORATION

          
	 	 	 
	 	
            By:

          	 
	 	 	
            Name:

          
	 	 	
            Title:

          
	 	 	 

    

    

    TRUSTEE’S CERTIFICATE OF AUTHENTICATION

    

    

    This is one of the Notes of the series designated therein referred to in the within-mentioned Indenture.

    	 	 	 
	
            Date of authentication: ___________

          	
            WILMINGTON TRUST, NATIONAL ASSOCIATION,

          
	 	
            as Trustee

          
	 	 	 
	

          	
            By:

          	 
	 	

          	
            Authorized Signatory

          
	 	 	 

    
      
        

    

     Exhibit A

    

    [FORM OF REVERSE OF SECURITY]

    

    

    Indenture. This Note is one of a
      duly authorized issue of securities of the Company (herein called the “Notes”), issued and to be issued in one or more series under an Indenture,
      dated as of December 3, 2014, as supplemented by a Ninth Supplemental Indenture dated November 7, 2019 (as amended, supplemented, or otherwise modified from time to time, herein called the “Indenture”), among the Company, OneMain Holdings, Inc.
      (formerly Springleaf Holdings, Inc.), as a Guarantor (“OMH,” which term includes any successor Person under the Indenture), and Wilmington Trust,
      National Association, as Trustee (herein called the “Trustee,” which term includes any successor trustee under the Indenture), to which Indenture and all indentures supplemental thereto reference is hereby made for a statement of the respective
      rights, limitations of rights, duties and immunities thereunder of the Company, the Trustee and the Holders of the Notes and of the terms upon which the Notes are, and are to be, authenticated and delivered. This Note is one of the series designated
      on the face hereof, initially limited in aggregate principal amount to $750,000,000.  The Initial Notes and Additional Notes shall be treated as a single class of securities for all purposes under the Indenture and will vote on all matters as a
      single class under the Indenture. The terms of the Notes include those stated in the Indenture and those made part of the Indenture by reference to the Trust Indenture Act of 1939, as amended. The Notes are subject to all such terms, and Holders are
      referred to the Indenture and such act for a statement of such terms. The Notes are general obligations of the Issuer. To the extent a provision of this Note conflicts with the express provisions of the Indenture, the provisions of the Indenture
      shall govern and be controlling.

    

    

    Optional Redemption.

    

    

    At any time or from time to time prior to May 15, 2029 (six months prior to the Stated Maturity of the Notes), the Company may redeem, at
      its option, all or part of the Notes at a redemption price equal to the sum of (i) 100% of the principal amount thereof, plus (ii) the Applicable Premium as of the Redemption Date, plus (iii) accrued and unpaid interest on the Notes, if any, to, but
      excluding, the Redemption Date (subject to the right of Holders of record on the relevant Record Date to receive interest due on the relevant Interest Payment Date).

    

    

    In addition, at any time on or after May 15, 2029 (six months prior to the Stated Maturity of the Notes), the Company may redeem, at its
      option, all or part of the Notes at a redemption price equal to the sum of (i) 100% of the principal amount thereof, plus (ii) accrued and unpaid interest on the Notes, if any, to, but excluding, the Redemption Date (subject to the right of Holders
      of record on the relevant Record Date to receive interest due on the relevant Interest Payment Date).

    

    

    For purposes of determining the optional redemption price, the following definitions are applicable:

    

    

    “Applicable Premium” means with
      respect to any Note on any Redemption Date, the excess, if any, as determined by the Company, of:

    

    

    (a)          the sum of the present
        values of the remaining scheduled payments of principal and interest on the Note (excluding accrued but unpaid interest to the date of redemption), through May 15, 2029 (six months prior to the Stated Maturity of the Notes), discounted to the
        Redemption Date on a semi-annual basis using a discount rate equal to the Treasury Rate as of such Redemption Date plus 50 basis points; over

    

    

    (b)          the principal amount of the
        Note.

    
      
        

    

    The Company shall calculate the Applicable Premium and the Trustee shall have no responsibility to verify such amount.

    

    

    “Stated Maturity,” when used with
      respect to any Note or any installment of principal thereof or any premium or interest thereon, means the fixed date on which the principal of such Note or such installment of principal or premium or interest is due and payable.

    

    

    “Treasury Rate” means, as of any
      Redemption Date, the yield to maturity as of such Redemption Date of United States Treasury securities with a constant maturity (as compiled and published in the most recent Federal Reserve Statistical Release H.15 (519) that has become publicly
      available at least two business days prior to the Redemption Date (or, if such Statistical Release is no longer published, any publicly available source of similar market data)) most nearly equal to the period from the Redemption Date to May 15, 2029
      (six months prior to the Stated Maturity of the Notes); provided, however, that if the period from the Redemption Date to May 15, 2029 (six months prior to the Stated Maturity of the Notes) is less than one year, the weekly average yield on actively
      traded United States Treasury securities adjusted to a constant maturity of one year will be used.

    

    

    Notice of any redemption will be given at least 30 days but not more than 60 days before the Redemption Date to each registered Holder of
      the Notes to be redeemed; provided that redemption notices may be given more than 60 days prior to a Redemption Date if such notice is given in connection
      with a Legal Defeasance or a Covenant Defeasance or a satisfaction and discharge pursuant to Article XIII of the Base Indenture. Unless the Company defaults in payment of the Redemption Price, on and after the Redemption Date, interest will cease to
      accrue on the Notes or portions of the Notes called for redemption. If fewer than all of the Outstanding Notes are to be redeemed, the Trustee will select, not more than 60 days prior to the Redemption Date, the particular Notes or portions thereof
      for redemption from the Outstanding Notes not previously called by such method as the Trustee deems fair and appropriate (or in accordance with Applicable Procedures of the Depositary).

    

    

    Except as set forth above, the Notes will not be redeemable by the Company prior to Maturity and will not be entitled to the benefit of any
      sinking fund.

    

    

    Defaults and Remedies. If an Event of Default with respect to the Notes shall occur and be continuing, the principal of the Notes may be declared due and payable in the
      manner and with the effect provided in the Indenture.

    

    

    Amendment, Supplement, Modification and
        Waiver. The Indenture and the Notes may be amended, supplemented or modified as provided in the Indenture.

    

    

    Guarantees.  The Notes shall be
      guaranteed by OMH as provided in the Indenture.

    

    

    Denominations, Transfer and Exchange. The Notes are issuable only in registered form without coupons in minimum denominations of $2,000 and in integral multiples of $1,000 in excess
      thereof. As provided in the Indenture and subject to certain limitations therein set forth, the Notes are exchangeable for a like aggregate principal amount of Notes of like tenor of a different authorized denomination, as requested by the Holder
      surrendering the same.

    

    

    As provided in the Indenture and subject to certain limitations therein set forth, the transfer of this Note is registerable in the
      Security Register, upon surrender of this Note for registration of transfer at the Registrar accompanied by a written request for transfer in form satisfactory to the Company and the Registrar duly executed by, the Holder hereof or his attorney duly
      authorized in writing, and thereupon one or more new Notes and of like tenor, of authorized denominations and for the same aggregate principal amount, will be issued to the designated transferee or transferees.

    
      
        

    

    No service charge shall be made for any such registration of transfer or exchange, but the Company may require payment of a sum sufficient
      to cover any tax or other governmental charge payable in connection therewith.

    

    

    Persons Deemed Owners. Prior to due
      presentment of this Note for registration of transfer, the Company, the Trustee and any agent of the Company or the Trustee may treat the Person in whose name this Note is registered as the owner hereof for all purposes, whether or not this Note be
      overdue, and neither the Company, the Trustee nor any such agent shall be affected by notice to the contrary.

    

    

    Miscellaneous. The Indenture and
      this Note shall be deemed to be contracts made under the law of the State of New York, and for all purposes shall be governed by and construed in accordance with the law of said State.

    

    

    All terms used in this Note and not defined herein shall have the meanings assigned to them in the Indenture.

    
      
        

    

    SCHEDULE OF INCREASES OR DECREASES IN GLOBAL SECURITY

    

    

    The following increases or decreases in this Global Security have been made:

     

    

    	
            
              Date of 

              Exchange

            

          	
            
              Amount of increase

               in Principal Amount

               of this Global

               Security

            

          	
            
              Amount of decrease 

              in Principal Amount 

              of this Global Security

            

          	
            
              Principal Amount

               of this Global

               Security following

               each decrease or

               increase

            

          	
            
              Signature of

               authorized

               signatory of TrusteeExhibit 4.1

 

THIS NOTE HAS NOT BEEN REGISTERED UNDER
THE UNITED STATES SECURITIES ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES LAWS OF ANY STATE OR OTHER JURISDICTION, AND MAY
NOT BE SOLD, ASSIGNED, TRANSFERRED, PLEDGED OR OTHERWISE DISPOSED OF EXCEPT IN COMPLIANCE WITH, OR PURSUANT TO AN EXEMPTION FROM,
THE REQUIREMENTS OF SUCH ACT OR SUCH LAWS.

 

NEUROONE MEDICAL TECHNOLOGIES CORPORATION

 

CONVERTIBLE PROMISSORY NOTE

 

	Principal Amount: US $_______________ 	Date: _______________

 

NeuroOne
Medical Technologies Corporation, a Delaware corporation (the “Company”), for value received,
hereby promises to pay to ___________________ or his, her or its permitted assigns
or successors (the “Holder”), the principal amount of $____________________
(the “Principal Amount”), without demand, on the Maturity Date (as hereinafter defined), together with
any accrued and unpaid interest due thereon.

 

This Convertible Promissory
Note (this “Note”) shall bear interest at a fixed rate of 13% per annum, beginning on the Issue Date.
Interest shall be computed based on a 360-day year of twelve 30-day months and shall be payable, along with the Principal Amount,
on the Maturity Date. Except as set forth in Section 3.1, payment of all principal and interest due shall be in such coin
or currency of the United States of America as shall be legal tender for the payment of public and private debts at the time of
payment.

 

This Note is a convertible
promissory note referred to in that certain Subscription Agreement dated as of _______________ (the “Subscription Agreement”),
or series of like subscription agreements, among the Company and the subscribers named therein, pursuant to which the Company is
seeking to raise an aggregate of up to $2,000,000 (or such higher amount as the Company’s Board of Directors shall determine).

 

1. Definitions.

 

1.1 Definitions.
The terms defined in this Section 1 whenever used in this Note shall have the respective meanings hereinafter specified.

 

“Applicable
Laws” means any and all applicable foreign, federal, state and local statutes, laws, regulations, ordinances, policies,
and rules or common law (whether now existing or hereafter enacted or promulgated), of any and all governmental authorities, agencies,
departments, commissions, boards, courts, or instrumentalities of the United States, any state of the United States, any other
nation, or any political subdivision of the United States, any state of the United States or any other nation, and all applicable
judicial and administrative, regulatory or judicial decrees, judgments and orders, including common law rules and determinations.

 

    1

     

    

 

“Change
in Control”  means a merger or consolidation of the Company with or into any other entity in which the stockholders
of the Company immediately prior to the merger or consolidation do not own more than 50% of the outstanding voting power (assuming
conversion of all convertible securities and the exercise of all outstanding options and warrants) of the surviving entity or the
sale, lease, licensing, transfer or other disposition of all or substantially all the assets of the Company; provided, however,
that any new issuance of capital stock of the Company to one or more third parties for the sole purpose of providing new funding
for the Company or solely in connection with a public offering of the Company’s stock shall not constitute a Change in Control.

 

“Common
Stock” means the common stock, par value $0.001 per share, of the Company.

 

“Common
Stock Equivalents” means notes, debentures or shares of preferred stock of the Company that are convertible into
Common Stock or warrants or other rights to purchase Common Stock upon exercise thereof.

 

“Conversion
Shares” means the New Round Stock issued or issuable to the Holder upon a Conversion Date pursuant to Article
3.

 

“Conversion
Date” shall have the meaning set forth in Section 3.1.

 

“Event
of Default” shall have the meaning set forth in Section 6.1.

 

“Holder”
or “Holders” means the person named above or any Person who shall thereafter become a recordholder of
this Note in accordance with the terms hereof.

 

“Issue
Date” means the issue date stated above.

 

“Maturity
Date” shall mean the earlier of (i) May 1, 2020 and (ii) a Change in Control.

 

“New Round
Stock” means, in the event of a Qualified Financing, the securities (or units of equity securities if more than one
security are sold as a unit) issued by the Company in the closing on the date a Qualified Financing occurs.

 

“Person”
means an individual, corporation, partnership, limited liability company, association, trust, joint venture, unincorporated organization
or any government, governmental department or agency or political subdivision thereof.

 

“Qualified
Financing” means the next equity round of financing of the Company of Common Stock or Common Stock Equivalents in
a transaction or series of transactions that raises in excess of $3,000,000 gross proceeds.

 

“Securities
Act” means the United States Securities Act of 1933, as amended.

 

“Warrants”
means the warrants to purchase capital stock pursuant to Section 1.1 of the Subscription Agreement and Section 3.1(d) hereof,
which shall be evidenced by the warrant agreement, the form of which is attached to the Subscription Agreement as Exhibit
C.

 

    2

     

    

 

2. GENERAL
PROVISIONS.

 

2.1 Loss,
Theft, Destruction of Note. Upon receipt of evidence satisfactory to the Company of the loss, theft, destruction or
mutilation of this Note and, in the case of any such loss, theft or destruction, upon receipt of indemnity or security reasonably
satisfactory to the Company, or, in the case of any such mutilation, upon surrender and cancellation of this Note, the Company
will make and deliver, in lieu of such lost, stolen, destroyed or mutilated Note, a new Note of like tenor and unpaid principal
amount dated as of the date hereof. This Note shall be held and owned upon the express condition that the provisions of this Section
2.1 are exclusive with respect to the replacement of a mutilated, destroyed, lost or stolen Note and shall preclude any and
all other rights and remedies notwithstanding any law or statute existing or hereafter enacted to the contrary with respect to
the replacement of negotiable instruments or other securities without their surrender.

 

2.2 Prepayment;
Redemption. This Note may not be prepaid by the Company in whole or in part, except with the prior written consent of
the Holder. This Note may not be redeemed by the Company in whole or in part, except with the prior written consent of the Holder.

 

3. CONVERSION OF
NOTE.

 

3.1 Conversion.

 

(a) Conversion upon
Qualified Financing. At any time on or following a Qualified Financing, prior to the Maturity Date, at the sole election of
the Holder, any amount of the outstanding principal and accrued interest (the “Outstanding Balance”)
may be converted into that number of shares of New Round Stock (the “Conversion Shares”) equal to: (i)
the Outstanding Balance divided by (ii) the lower of 0.6 multiplied by (A) the actual per share price of New Round Stock and (B)
the ten (10) day volume weighted average closing price of the Common Stock prior to the first closing of a Qualified Financing
(the “Conversion Price”). Partial conversions of this Note shall have the effect of lowering the outstanding
Principal amount of this Note.

 

(b) Conversion Event.
The Note may be converted, at the option of the Holder into Conversion Shares upon written notice to the Company that Holder elects
to exercise its Conversion Option (the date of any such conversion of this Note is referred to herein as the “Conversion
Date”).

 

(c) Cancellation.
Upon and as of the Conversion Date, this Note will be cancelled on the books and records of the Company and shall represent the
right to receive the Conversion Shares.

 

(d) Warrants.
On the issuance date of the Note, Holder shall receive a Warrant granting the Holder the right to purchase up to a number of shares
of Common Stock equal to (i) 0.5 multiplied by (ii) the Outstanding Balance divided by 1.87, with an exercise price
per share equal to $1.87.

 

    3

     

    

 

(e) Registration
Rights. Holder acknowledges that the conversion of the Convertible Note into the Conversion Shares and issuance of Warrants
may require such Holder’s execution of certain agreements relating to the purchase and sale of the common stock, as well
as registration rights (collectively, the “Conversion Agreements”). Among other things, this will include
a registration rights agreement whereby the Company shall agree to prepare and file with the SEC a Registration Statement on or
prior to the 90th calendar day following the Conversion Date, covering the resale of all of the Conversion Shares and shares of
Common Stock underlying the Warrants. Holder agrees to execute all of the Conversion Agreements in connection with Holder’s
exercise of the Conversion Option.

 

3.2 Delivery
of Securities Upon Conversion.

 

(a) Within ten
(10) business days of the Company’s receipt of all the Conversion Agreements, the Company shall deliver or cause to be delivered
to the Holder, written confirmation that the Conversion Shares have been issued in the name of the Holder.

 

(b) Upon conversion
of this Note, the Company shall take all such actions as are necessary in order to ensure that the Conversion Shares so issued
upon such conversion shall be validly issued, fully paid and nonassessable.

 

3.3 Fractional
Shares. No fractional shares or scrip representing fractional shares shall be issued upon conversion of this Note. If
any conversion of this Note would create a fractional share or a right to acquire a fractional share, the Company shall round to
the nearest whole number.

 

4. STATUS; RESTRICTIONS
ON TRANSFER.

 

4.1 Status
of Note. This Note is a direct, general and unconditional obligation of the Company, and constitutes a valid and legally
binding obligation of the Company, enforceable in accordance with its terms subject, as to enforcement, to bankruptcy, insolvency,
reorganization and other similar laws of general applicability relating to or affecting creditors’ rights and to general
principles of equity. This Note does not confer upon the Holder any right to vote or to consent or to receive notice as a stockholder
of the Company, as such, in respect of any matters whatsoever, or any other rights or liabilities as a stockholder, prior to conversion
hereof into Conversion Shares.

 

4.2 Restrictions
on Transferability. This Note and any Conversion Shares issued with respect to this Note, have not been registered under
the Securities Act, or under any state securities or so-called “blue sky laws,” and may not be offered, sold, transferred,
hypothecated or otherwise assigned except (a) pursuant to a registration statement with respect to such securities which is effective
under the Act or (b) upon receipt from counsel satisfactory to the Company of an opinion, which opinion is satisfactory in form
and substance to the Company, to the effect that such securities may be offered, sold, transferred, hypothecated or otherwise assigned
(i) pursuant to an available exemption from registration under the Act and (ii) in accordance with all applicable state securities
and so-called “blue sky laws.” The Holder agrees to be bound by such restrictions on transfer. The Holder further consents
that the certificates representing the Conversion Shares that may be issued with respect to this Note may bear a restrictive legend
to such effect. In addition, this Note shall be subject to the restrictions on transfer set forth in Article III of the Subscription
Agreement.

 

    4

     

    

 

5. COVENANTS. In
addition to the other covenants and agreements of the Company set forth in this Note, the Company covenants and agrees that so
long as this Note shall be outstanding:

 

5.1 Payment
of Note. The Company will punctually, according to the terms hereof, pay or cause to be paid all amounts due under this
Note.

 

5.2 Notice
of Default. If any one or more events occur which constitute or which, with the giving of notice or the lapse of time
or both, would constitute an Event of Default or if the Holder shall demand payment or take any other action permitted upon the
occurrence of any such Event of Default, the Company will forthwith give notice to the Holder, specifying the nature and status
of the Event of Default or other event or of such demand or action, as the case may be.

 

5.3 Compliance
with Laws. The Company will comply in all material respects with all Applicable Laws, except where the necessity of
compliance therewith is contested in good faith by appropriate proceedings.

 

5.4 Use
of Proceeds. The Company shall use the proceeds of this Note for general working capital.

 

6. REMEDIES.

 

6.1 Events
of Default. “Event of Default” wherever used herein means any one of the following events:

 

(a) The Company
shall fail to issue and deliver the Conversion Shares in accordance with Section 3;

 

(b) Default
in the due and punctual payment of the principal of, or any other amount owing in respect of (including interest), this Note when
and as the same shall become due and payable;

 

(c) Default
in the performance or observance of any covenant or agreement of the Company in this Note (other than a covenant or agreement a
default in the performance of which is specifically provided for elsewhere in this Section 6.1), and the continuance of
such default for a period of ten (10) days after there has been given to the Company by the Holder a written notice specifying
such default and requiring it to be remedied;

 

(d) The entry
of a decree or order by a court having jurisdiction adjudging the Company as bankrupt or insolvent; or approving as properly filed
a petition seeking reorganization, arrangement, adjustment or composition of or in respect of the Company under the Federal Bankruptcy
Code or any other applicable federal or state law, or appointing a receiver, liquidator, assignee, trustee or sequestrator (or
other similar official) of the Company or of any substantial part of its property, or ordering the winding-up or liquidation of
its affairs, and the continuance of any such decree or order unstayed and in effect for a period of 60 calendar days;

 

    5

     

    

 

(e) The institution
by the Company of proceedings to be adjudicated as bankrupt or insolvent, or the consent by it to the institution of bankruptcy
or insolvency proceedings against it, or the filing by it of a petition or answer or consent seeking reorganization or relief under
the Federal Bankruptcy Code or any other applicable federal or state law, or the consent by it to the filing of any such petition
or to the appointment of a receiver, liquidator, assignee, trustee or sequestrator (or other similar official) of the Company or
of any substantial part of its property, or the making by it of an assignment for the benefit of creditors;

 

(f) The Company
seeks the appointment of a statutory manager or proposes in writing or makes a general assignment or an arrangement or composition
with or for the benefit of its creditors or any group or class thereof or files a petition for suspension of payments or other
relief of debtors or a moratorium or statutory management is agreed or declared in respect of or affecting all or any material
part of the indebtedness of the Company; or

 

(g) It becomes
unlawful for the Company to perform or comply with its obligations under this Note.

 

6.2 Effects
of Default. If an Event of Default occurs and is continuing, then and in every such case the Holder may declare this
Note to be due and payable immediately, by a notice in writing to the Company, and upon any such declaration, the Company shall
pay to the Holder the outstanding principal amount of this Note plus all accrued and unpaid interest through the date the Note
is paid in full.

 

6.3 Remedies
Not Waived; Exercise of Remedies. No course of dealing between the Company and the Holder or any delay in exercising
any rights hereunder shall operate as a waiver by the Holder. No failure or delay by the Holder in exercising any right, power
or privilege under this Note shall operate as a waiver thereof nor shall any single or partial exercise thereof preclude any other
or further exercise thereof or the exercise of any other right, power or privilege. The rights and remedies herein provided shall
be cumulative and not exclusive of any rights or remedies provided by Applicable Law. By acceptance hereof, the Holder acknowledges
and agrees that this Note is one of a series of Convertible Subordinated Promissory Notes of similar tenor issued by the Company
(collectively, the “Related Notes”) and that upon the occurrence and during the continuance of any Event
of Default, the holders of a majority in original principal amount of the Related Notes shall have the right to act on behalf of
the holders of all such Notes in exercising and enforcing all rights and remedies available to all of such holders under this Note,
including, without limitation, foreclosure of any judgment lien on any assets of the Company. By acceptance hereof, the Holder
agrees not to independently exercise any such right or remedy without the consent of the holders of a majority in original principal
amount of the Related Notes.

 

    6

     

    

 

7. MISCELLANEOUS.

 

7.1 Severability.
If any provision of this Note shall be held to be invalid or unenforceable, in whole or in part, neither the validity nor the enforceability
of the remainder hereof shall in any way be affected.

 

7.2 Notice.
Where this Note provides for notice of any event, such notice shall be given (unless otherwise herein expressly provided) in writing
and either (a) delivered personally, (b) sent by certified, registered or express mail, postage prepaid or (c) sent by electronic
transmission, and shall be deemed given when so delivered personally, sent by electronic transmission or mailed. Notices shall
be addressed, if to Holder, to its address or e-mail address as provided in the Subscription Agreement or, if to the Company, to
its principal office.

 

7.3 Governing
Law. This Note shall be governed by, and construed in accordance with, the laws of the State of Delaware (without giving
effect to any conflicts or choice of law provisions that would cause the application of the domestic substantive laws of any other
jurisdiction).

 

7.4 Forum.
The Holder and the Company hereby agree that any dispute which may arise out of or in connection with this Note shall be adjudicated
before a court of competent jurisdiction in the State of Minnesota and they hereby submit to the exclusive jurisdiction of the
courts of the State of Minnesota, as well as to the jurisdiction of all courts to which an appeal may be taken from such courts,
with respect to any action or legal proceeding commenced by either of them and hereby irrevocably waive any objection they now
or hereafter may have respecting the venue of any such action or proceeding brought in such a court or respecting the fact that
such court is an inconvenient forum.

 

7.5 Headings.
The headings of the Articles and Sections of this Note are inserted for convenience only and do not constitute a part of this Note.

 

7.6 Amendments.
This Note may be amended or waived only with the written consent of the Company and the holders of a majority in original aggregate
principal amount of the Related Notes. Any such amendment or waiver shall be binding on all holders of the Notes, even if they
do not execute such consent, amendment or waiver.

 

7.7 No
Recourse Against Others. The obligations of the Company under this Note are solely obligations of the Company and no
officer, employee or stockholder shall be liable for any failure by the Company to pay amounts on this Note when due or perform
any other obligation.

 

7.8 Assignment;
Binding Effect. This Note may be assigned by the Company without the prior written consent of the Holder. This Note
shall be binding upon and inure to the benefit of both parties hereto and their respective permitted successors and assigns.

 

    7

     

    

 

In
Witness Whereof, the Company has caused this Note to be signed by its duly authorized officer on the date hereinabove
written.

 

	
        
	NeuroOne Medical Technologies Corporation
	 	 	 
	 	By:	 
	 	Name:	David A. Rosa
	 	Title:	Chief Executive Officer and President

   

 

8

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