Document:

EX-10.41

 Exhibit 10.41 

EXECUTED VERSION 
  

 
  

ONEMAIN FINANCIAL WAREHOUSE TRUST 

AMENDED AND RESTATED TRUST AGREEMENT 

dated as of February 3, 2015 

between 
 ONEMAIN FINANCIAL
WAREHOUSE, LLC 
 as the Depositor and the sole initial Beneficiary, 

and 
 WILMINGTON TRUST, NATIONAL
ASSOCIATION 
 as Owner Trustee 
  

 
  

 
  

 TABLE OF CONTENTS 

 

							
	 	  	 	  	Page	 
	ARTICLE I	  			
		
	DEFINITIONS	  			
			
	 SECTION 1.01
	  	 Definitions
	  	 	1	  
		
	ARTICLE II	  			
		
	ORGANIZATION; DECLARATION OF TRUST BY THE OWNER TRUSTEE	  			
			
	 SECTION 2.01
	  	 Formation of Trust; Name; Appointment of Owner Trustee;

Declaration of Trust by the Owner Trustee
	  	 	1	  
	 SECTION 2.02
	  	 Purposes and Powers; Trust To Operate as a Single Purpose Entity
	  	 	2	  
	 SECTION 2.03
	  	 Title to Owner Trust Estate
	  	 	5	  
	 SECTION 2.04
	  	 Nature of Interest in the Owner Trust Estate
	  	 	5	  
	 SECTION 2.05
	  	 Statutory Trust; Principal Offices of Owner Trustee
	  	 	5	  
	 SECTION 2.06
	  	 Tax Matters
	  	 	5	  
	 SECTION 2.07
	  	 Fiscal Year
	  	 	5	  
	 SECTION 2.08
	  	 Effect of Agreement
	  	 	6	  
		
	ARTICLE III	  			
		
	REPRESENTATIONS AND WARRANTIES OF THE DEPOSITOR	  			
			
	 SECTION 3.01
	  	 Representations and Warranties of the Depositor
	  	 	6	  
		
	ARTICLE IV	  			
		
	DISTRIBUTIONS OF FUNDS	  			
			
	 SECTION 4.01
	  	 Distribution of Funds
	  	 	7	  
	 SECTION 4.02
	  	 Payments from Owner Trust Estate Only
	  	 	7	  
	 SECTION 4.03
	  	 Method of Payment
	  	 	8	  
	 SECTION 4.04
	  	 Establishment of Account
	  	 	8	  
		
	ARTICLE V	  			
		
	DUTIES OF THE OWNER TRUSTEE	  			
			
	 SECTION 5.01
	  	 General Authority
	  	 	8	  
	 SECTION 5.02
	  	 General Duties
	  	 	9	  
	 SECTION 5.03
	  	 Action upon Instruction
	  	 	9	  

  
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	 	  	 	  	Page	 
	 SECTION 5.04
	  	 No Duties Except as Specified in this Trust Agreement or in Instructions
	  	 	10	  
	 SECTION 5.05
	  	 No Action Except Under Specified Documents or Instructions
	  	 	11	  
	 SECTION 5.06
	  	 [Reserved]
	  	 	11	  
	 SECTION 5.07
	  	 Restrictions on the Power
	  	 	11	  
	 SECTION 5.08
	  	 Depositor May Act for Beneficiaries
	  	 	11	  
	 SECTION 5.09
	  	 Separateness
	  	 	11	  
	 SECTION 5.10
	  	 Certain Litigation Matters
	  	 	13	  
		
	ARTICLE VI	  			
		
	CONCERNING THE OWNER TRUSTEE	  			
			
	 SECTION 6.01
	  	 Acceptance of Trust and Duties
	  	 	14	  
	 SECTION 6.02
	  	 Furnishing of Documents
	  	 	16	  
	 SECTION 6.03
	  	 Representations and Warranties as to the Owner Trust Estate
	  	 	16	  
	 SECTION 6.04
	  	 [Reserved]
	  	 	16	  
	 SECTION 6.05
	  	 Reliance; Advice of Counsel
	  	 	16	  
	 SECTION 6.06
	  	 Not Acting in Individual Capacity
	  	 	16	  
	 SECTION 6.07
	  	 Representations and Warranties
	  	 	17	  
		
	ARTICLE VII	  			
		
	TERMINATION OF TRUST AGREEMENT	  			
			
	 SECTION 7.01
	  	 Termination
	  	 	17	  
	 SECTION 7.02
	  	 Certificate of Cancellation
	  	 	18	  
		
	ARTICLE VIII	  			
		
	SUCCESSOR OWNER TRUSTEES, CO-OWNER TRUSTEES AND SEPARATE	  			
	OWNER TRUSTEES	  			
			
	 SECTION 8.01
	  	 Resignation and Removal of the Owner Trustee; Appointment of Successors
	  	 	18	  
	 SECTION 8.02
	  	 Transfer Procedures
	  	 	19	  
	 SECTION 8.03
	  	 Qualification of Owner Trustee
	  	 	19	  
	 SECTION 8.04
	  	 Co-Owner Trustees and Separate Owner Trustees
	  	 	19	  
		
	ARTICLE IX	  			
		
	AMENDMENTS	  			
			
	 SECTION 9.01
	  	 Amendments
	  	 	20	  

  
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	 	  	 	  	Page	 
	ARTICLE X	  			
		
	OWNERSHIP INTERESTS AND CERTIFICATES	  			
			
	 SECTION 10.01    
	  	 Issuance of Trust Certificates
	  	 	21	  
	 SECTION 10.02
	  	 Ownership Interest; Prohibitions on Transfer
	  	 	21	  
	 SECTION 10.03
	  	 Lost or Destroyed Trust Certificate
	  	 	23	  
		
	ARTICLE XI	  			
		
	COMPENSATION OF OWNER TRUSTEE; INDEMNIFICATION	  			
			
	 SECTION 11.01
	  	 Owner Trustee’s Fees and Expenses
	  	 	23	  
	 SECTION 11.02
	  	 Indemnification
	  	 	23	  
		
	ARTICLE XII	  			
		
	MISCELLANEOUS	  			
			
	 SECTION 12.01
	  	 Conveyance by the Owner Trustee is Binding
	  	 	24	  
	 SECTION 12.02
	  	 Instructions; Notices
	  	 	25	  
	 SECTION 12.03
	  	 Severability
	  	 	26	  
	 SECTION 12.04
	  	 Limitation of Liability
	  	 	26	  
	 SECTION 12.05
	  	 Separate Counterparts
	  	 	26	  
	 SECTION 12.06
	  	 Successors and Assigns
	  	 	26	  
	 SECTION 12.07
	  	 Headings
	  	 	27	  
	 SECTION 12.08
	  	 Governing Law
	  	 	27	  
	 SECTION 12.09
	  	 Nonpetition Covenant
	  	 	27	  
	 SECTION 12.10
	  	 Signature of Returns
	  	 	27	  
	 SECTION 12.11
	  	 Fiduciary Duty of the Depositor
	  	 	27	  
	 SECTION 12.12
	  	 Third-Party Beneficiaries
	  	 	28	  
		
	 EXHIBIT A — Form of Trust Certificate
	  			

  
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 AMENDED AND RESTATED TRUST AGREEMENT (this “Trust Agreement”), dated as of
February 3, 2015 (the “Effective Date”), by and between OneMain Financial Warehouse, LLC, as the depositor (the “Depositor”) and as the sole initial Beneficiary, and Wilmington Trust, National Association, as
owner trustee (the “Owner Trustee”). 
 WHEREAS, OneMain Financial Warehouse Trust is a Delaware statutory trust (the
“Trust”) created pursuant to a Trust Agreement, dated as of October 29, 2014 (the “Original Trust Agreement”), between the Depositor and the Owner Trustee; and 

WHEREAS, the parties hereto desire to amend and restate the Original Trust Agreement in its entirety for the purpose of taking assignments and
conveyances of, and holding in trust and dealing in, the assets included in the Trust Estate (the “Trust Assets”). 
 In
consideration of the mutual agreements herein contained and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto, intending to be legally bound hereby, agree as follows: 

ARTICLE I 
 DEFINITIONS

 SECTION 1.01 Definitions. Capitalized terms in this Trust Agreement are defined in and shall have the respective meanings
assigned to them in Part A of Schedule II (together with Part B of such Schedule II, the “Definitions Schedule”) to the Sale and Servicing Agreement of even date herewith among the Depositor, the Depositor Loan Trustee, the
Servicer, the Subservicers party thereto, the Issuer and the Issuer Loan Trustee. The rules of construction set forth in Part B of the Definitions Schedule shall be applicable to this Trust Agreement. 

ARTICLE II 

ORGANIZATION; DECLARATION OF TRUST BY THE OWNER TRUSTEE 

SECTION 2.01 Formation of Trust; Name; Appointment of Owner Trustee; Declaration of Trust by the Owner Trustee. The Delaware
statutory trust created pursuant to the Original Trust Agreement and continued hereby, in each case, in accordance with the provisions of the Delaware Statutory Trust Act, is known as “OneMain Financial Warehouse Trust,” in which name the
Owner Trustee and, to the extent expressly set forth herein, the Depositor and the Administrator shall have the power and authority and each is hereby authorized and empowered to and may conduct the business of the Trust, make and execute contracts
and other instruments on behalf of the Trust and sue and be sued on behalf of the Trust. 
 The Owner Trustee hereby accepts and agrees to
hold in trust, for the benefit of the Beneficiaries and such other Persons as may become beneficiaries hereunder from time to time, all of the Owner Trust Estate conveyed or to be conveyed to the Trust and all monies and proceeds that may be
received with respect thereto, subject to the terms of this Trust Agreement. The Certificate of Trust has previously been filed with the Delaware Secretary of State and is hereby ratified in all respects. 

  
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 The Depositor hereby appoints Wilmington Trust, National Association, as Owner Trustee of the
Trust effective as of the date hereof, to have all the rights, powers and duties set forth herein and, to the extent not inconsistent herewith, the Delaware Statutory Trust Act. The Owner Trustee hereby declares that it will hold the initial Owner
Trust Estate, the Trust Assets and the other documents and assets described in Section 2.02, together with any payments, proceeds or income of any kind from such documents or assets or any other source and any other property held under
this Trust Agreement (collectively, the “Owner Trust Estate”), upon the trust set forth herein and for the sole use and benefit of the Beneficiaries and such other Persons as may become beneficiaries hereunder from time to time.

 SECTION 2.02 Purposes and Powers; Trust To Operate as a Single Purpose Entity. (a) The purpose of the Trust is, and the
Trust shall have the power and authority, to engage, from time to time, solely in a program of acquiring Loans pursuant to the Sale and Servicing Agreement and issuing Notes pursuant to the Indenture and related activities. Without limiting the
generality of the foregoing, the Trust shall have the power and authority to: 
 (i) from time to time, authorize and approve
the issuance of Notes pursuant to the Indenture without limitation to aggregate amounts and, in connection therewith, determine the terms and provisions of such Notes and of the issuance and sale thereof, including the following: 

(A) determining the principal amount of the Notes, 

(B) determining the maturity date of the Notes, 

(C) determining the rate of interest, if any, to be paid on the Notes, 

(D) determining the price or prices at which such Notes will be sold by the Trust, 

(E) determining the provisions, if any, for the redemption of such Notes, 

(F) determining the form, terms and provisions of the indentures, note purchase agreements, fiscal agency agreements or other
instruments under which the Notes may be issued or the principal amounts thereof increased or decreased and the banks or trust companies to act as trustees, administrative agents, funding agents, fiscal agents and paying agents thereunder, 

(G) preparing and filing all documents necessary or appropriate in connection with the registration of the Notes under the
Securities Act, the qualification of indentures under the Trust Indenture Act of 1939 and the qualification under any other applicable federal, foreign, state, local or other governmental requirements, 

  
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 (H) preparing any private placement memorandum or other descriptive material
relating to the issuance of the Notes, 
 (I) listing the Notes on any United States or non-United States stock exchange,

 (J) appointing a paying agent or agents for purposes of payments on the Notes, and 

(K) arranging for the underwriting, subscription, purchase or placement of the Notes and selecting underwriters, managers and
purchasers or agents for that purpose; 
 (ii) from time to time, receive payments and proceeds with respect to the assets in
the Trust Assets and either invest or distribute those payments and proceeds, 
 (iii) from time to time, make deposits to
and withdrawals from accounts established under the Indenture; 
 (iv) from time to time, execute, deliver and issue the
Trust Certificates pursuant to this Trust Agreement; 
 (v) from time to time, acquire from the Depositor and the Depositor
Loan Trustee for the benefit of the Depositor pursuant to Section 2.01 of the Sale and Servicing Agreement, hold and sell the Loans and other Sold Assets; 

(vi) from time to time, assign, grant a security interest in, grant, transfer, pledge and mortgage the Owner Trust Estate
pursuant to the Indenture and hold, manage and distribute to the Beneficiaries or the Noteholders pursuant to the terms of this Trust Agreement and the Transaction Documents any portion of the Owner Trust Estate released from the lien of and
remitted to the Trust pursuant to, the Indenture; 
 (vii) from time to time, make payments on the Notes, and borrow, repay
or prepay and reborrow Series A Advances; 
 (viii) execute and deliver the Transaction Documents to which the Trust is to be
a party and perform its obligations thereunder; 
 (ix) subject to compliance with the Transaction Documents, engage, from
time to time, in such other activities as may be required in connection with conservation of the Trust Assets and the making of payments to the Noteholders and distributions to the Beneficiaries; and 

(x) from time to time, perform such obligations and exercise and enforce such rights and pursue such remedies as may be
appropriate by virtue of the Trust being party to any of the Transaction Documents and agreements contemplated in clauses (i) through (ix) above. 

  
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 In connection with any of the foregoing, the Trust may (x) execute and deliver, and/or accept, such
instruments, agreements, certificates, Uniform Commercial Code financing statements and other documents, and create such security interests, as may be necessary or desirable in connection therewith, and (y) subject to the terms of this Trust
Agreement, take such other action as may be necessary or incidental to the foregoing. In furtherance of the foregoing, the Depositor is authorized, on behalf of the Trust, to execute and deliver any agreements, documents, instruments and securities
or to take other actions on behalf of the Trust in connection with the fulfillment of the purposes of the Trust described in, and pursuant to, this Section 2.02(a). 

(b) The Trust and the Owner Trustee, on behalf of the Trust, are authorized and have the power to execute and deliver from time to time loan
agreements, revolving credit agreements, underwriting agreements, selling agent agreements, purchase agreements, note purchase agreements, loan purchase agreements, sale and servicing agreements, servicing annexes, swap and other derivative
agreements, including performance agreements, indentures, indenture supplements, notes, security agreements, account control agreements, the Transaction Documents and other agreements and instruments as are consistent with the purposes of the Trust.
Without limiting the generality of the foregoing, the Trust and the Owner Trustee, on behalf of the Trust, are specifically authorized to obtain and/or execute and deliver, without any further act, vote or approval of any Person, and notwithstanding
any other provision of this Trust Agreement, the following agreements, documents or securities relating to the purposes of the Trust: 

(i) the Indenture and the other Transaction Documents and each Issuer Order and Officer’s Certificate of the Trust and
supplemental indenture relating to the Indenture; 
 (ii) the Notes; 

(iii) each interest rate or currency swap, cap, collar, guaranteed investment contract or other derivative agreement, including
agreements related thereto, between the Trust and a counterparty (which may include, without limitation, the Depositor or any of its Affiliates) to manage interest rate or currency risk relating to the Notes; 

(iv) licenses and other regulatory approvals in connection with, or relating to, the Owner Trust Estate; and 

(v) any other document necessary or desirable in connection with the fulfillment of the purposes of the Trust described in, and
pursuant to, Section 2.02(a). 
 The authorization set forth in the preceding sentence will not be deemed a restriction on the power and
authority of the Depositor, on behalf of the Trust, to execute and deliver other agreements, documents, instruments and securities or to take other actions on behalf of the Trust in connection with the fulfillment of the purposes of the Trust
described in, and pursuant to, Section 2.02(a). 

  
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 (c) The Depositor will at all times maintain the books, records and accounts of the Trust
separate and apart from those of any other Person, and the Depositor will cause the Trust to hold itself out as being a Person separate and apart from any other Person. To the extent the Owner Trustee is required to maintain any books, records or
accounts of the Trust, the Owner Trustee will at all times maintain such books, records and accounts separate and apart from those of any other Person. 

(d) The Trust will not engage in any business or own any assets unrelated to the purposes of the Trust described in
Section 2.02(a). 
 SECTION 2.03 Title to Owner Trust Estate. Title to all of the Owner Trust Estate will be vested
in the Trust as a separate legal entity until this Trust Agreement terminates pursuant to Article VII; provided, however, that if the laws of any jurisdiction require that title to any part of the Owner Trust Estate be vested in the
trustees of a trust, then title to that part of the Owner Trust Estate will be deemed to be vested in the Owner Trustee or any co-owner trustee or separate owner trustee, as the case may be, appointed pursuant to Article VIII; provided,
further, that legal title to the Loans included in the Owner Trust Estate will be vested at all times in the Issuer Loan Trustee on behalf of the Trust pursuant to the terms of the Issuer Loan Trust Agreement. 

SECTION 2.04 Nature of Interest in the Owner Trust Estate. The Beneficiaries will not have any legal title to or right to
possession of any part of the Owner Trust Estate. 
 SECTION 2.05 Statutory Trust; Principal Offices of Owner Trustee. It is the
intention of the parties hereto that the Trust constitute a statutory trust under the Delaware Statutory Trust Act and that this Trust Agreement constitute the governing instrument of the Trust. The Owner Trustee will maintain its principal office
in the State of Delaware at its address identified in Section 12.02. 
 SECTION 2.06 Tax Matters. Subject to
Section 3.14(b) of the Indenture, the parties hereto intend that the Trust will not be treated as a partnership, agency, sole proprietorship or association for U.S. federal income tax purposes but instead will be treated as a custodial
arrangement for the sole Beneficiary, and the Depositor and the Beneficiary will file all their tax returns in a manner consistent with that intent unless otherwise required by a taxing authority; provided, however, that if there are
multiple Beneficiaries, the Trust will be treated as a partnership for federal, state and local income and franchise tax purposes. Except as otherwise expressly provided herein, any tax elections required or permitted to be made by the Trust under
the Internal Revenue Code or otherwise will be made in such manner as may be determined by the Depositor to be in the best interests of the Beneficiaries. The Trust will not elect to be treated as a corporation for any tax purpose. The Depositor
will prepare and file, or cause to be prepared and filed, any tax returns that the Trust is required to file (as determined by the Depositor or the Administrator). 

SECTION 2.07 Fiscal Year. The fiscal year of the Trust will end on the last day of December of each year. 

  
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 SECTION 2.08 Effect of Agreement. As of the Effective Date, the Original Trust
Agreement is hereby amended and restated in its entirety. 
 ARTICLE III 

REPRESENTATIONS AND WARRANTIES OF THE DEPOSITOR 

SECTION 3.01 Representations and Warranties of the Depositor. The Depositor hereby represents and warrants to the Owner Trustee as
of the date of this Trust Agreement and as of each Addition Date that: 
 (a) The Depositor has been duly organized, is
validly existing and is in good standing under the laws of its jurisdiction of organization and has, in all material respects, full power and authority to own its properties and conduct its business as presently owned and conducted, and to execute,
deliver and perform its obligations under this Trust Agreement. 
 (b) The Depositor is duly qualified to do business and is
in good standing under the laws of each jurisdiction which requires such qualification wherein it owns or leases material properties or conducts material business, and has full power and authority to enter into and perform its obligations under this
Trust Agreement and to consummate the transactions contemplated hereby. 
 (c) The execution and delivery of this Trust
Agreement by the Depositor and the consummation of the transactions provided for in this Trust Agreement have been duly authorized by the Depositor by all necessary limited liability company action on the part of the Depositor. 

(d) The execution and delivery by the Depositor of this Trust Agreement, the performance of the transactions contemplated by
this Trust Agreement and the fulfillment of the terms hereof applicable to the Depositor will not conflict with or violate any Requirements of Law applicable to the Depositor or conflict with, result in any breach of any of the material terms and
provisions of, or constitute (with or without notice or lapse of time or both) a material default under, any indenture, contract, agreement, mortgage, deed of trust or other instrument to which the Depositor is a party or by which it or its
properties are bound. 
 (e) There are no proceedings or investigations pending or, to the best knowledge of the Depositor,
threatened against the Depositor before any Governmental Authority (i) asserting the invalidity of this Trust Agreement, (ii) seeking to prevent the consummation of any of the transactions contemplated by this Trust Agreement,
(iii) seeking any determination or ruling that, in the reasonable judgment of the Depositor, would materially and adversely affect the performance by the Depositor of its obligations under this Trust Agreement or (iv) seeking any
determination or ruling that would materially and adversely affect the validity or enforceability of this Trust Agreement. 

  
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 (f) All authorizations, consents, orders or approvals of or registrations or
declarations with any Governmental Authority required to be obtained, effected or given by the Depositor in connection with the execution and delivery by the Depositor of this Trust Agreement and the performance of the transactions contemplated by
this Trust Agreement have been duly obtained, effected or given and are in full force and effect. 
 (g) This Trust Agreement
constitutes a legal, valid and binding obligation of the Depositor enforceable against the Depositor in accordance with its terms, except (i) as such enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium
or other similar laws now or hereafter in effect affecting the enforcement of creditors’ rights in general, and (ii) as such enforceability may be limited by general principles of equity (whether considered in a suit at law or in equity).

 (h) The Depositor transferred all of its right, title and interest in and to the Owner Trust Estate to the Trust (and the
Depositor Loan Trustee transferred its interest in the Loans (with respect to legal title) included in the Owner Trust Estate to the Issuer Loan Trustee on behalf of the Trust) free and clear of all claims, liens and other encumbrances. 

ARTICLE IV 

DISTRIBUTIONS OF FUNDS 

SECTION 4.01 Distribution of Funds. All funds received by the Trust to the extent not encumbered by the Indenture and otherwise
available for distribution (or if encumbered by the Indenture, which have been released by the relevant parties benefitting from such encumbrance) will be applied in the following order of priority: 

(i) First, to pay any amounts owing to the Owner Trustee pursuant to Sections 11.01 and 11.02, which have
not previously been paid pursuant to Section 8.06(a) of the Indenture; and 
 (ii) Second, to be
distributed to the Beneficiaries or as the respective Beneficiaries may direct. 
 The Owner Trustee shall have no responsibility to
determine whether funds it receives on behalf of the Trust are encumbered by the Indenture or otherwise available for distribution and may conclusively presume that any funds it receives on behalf of the Trust are available for distribution. 

SECTION 4.02 Payments from Owner Trust Estate Only. All payments to be made by the Owner Trustee under this Trust Agreement will
be made only from the income and the capital proceeds derived from the Owner Trust Estate and only to the extent that the Owner Trustee will have received income or capital proceeds from the Owner Trust Estate; provided that the Owner Trustee
shall have no obligation to determine whether funds it receives hereunder are income or capital proceeds. The Beneficiary agrees that it will look solely to the income and capital proceeds derived from the Owner Trust Estate (to the extent available
for payment as 

  
 7 

 
herein provided) and that, except as specifically provided herein, the Owner Trustee will not be subject to any liability in its individual capacity under this Trust Agreement to the
Beneficiaries or to any other Person. 
 SECTION 4.03 Method of Payment. All amounts payable to the Beneficiaries pursuant to
this Trust Agreement will be paid by the Owner Trustee to the applicable Beneficiaries or a nominee therefor in such manner as such Beneficiaries may from time to time designate in written instructions to the Owner Trustee. All funds received by the
Owner Trustee on behalf of the Trust not later than 2:00 p.m. (New York City time) on a Business Day will be applied by the Owner Trustee on the following Business Day. Funds received after that time will be applied on the next following Business
Day. 
 SECTION 4.04 Establishment of Account. The Depositor as the sole initial Beneficiary hereby ratifies the Owner
Trustee’s prior establishment of a noninterest bearing trust account (the “Trust Account”) and authorizes the Owner Trustee to establish and maintain an account on behalf of the Trust into which all funds received by the Owner
Trustee on behalf of the Trust will be deposited. Prior to the date hereof, the Depositor caused $1.00 (the “Initial Trust Estate”) to be deposited into the Trust Account. Amounts on deposit from time to time in the Trust Account in
excess of amounts owing to the Owner Trustee pursuant to Sections 11.01 and 11.02 hereof, which have not previously been paid pursuant to Section 8.06(a) of the Indenture, shall be invested by the Owner Trustee in one or
more of the Permitted Trust Investments pursuant to the written instructions of the Depositor for the benefit of the Beneficiaries. In the absence of written directions from the Depositor, amounts on deposit in the Trust Account shall remain
uninvested and the Owner Trustee shall not be liable for interest on any such uninvested amounts. No such investment shall be disposed of prior to its maturity, unless otherwise directed in writing by the Depositor. To the extent that the Depositor
directs the Owner Trustee in writing to invest amounts on deposit in the Trust Account, such amounts shall not be distributed pursuant to Section 4.01 hereof until such time as the Depositor directs the Owner Trustee in writing to distribute
such funds. The Owner Trustee shall have no investment discretion with respect to the Trust Account and shall not have any responsibility or liability for investment losses on investments made upon the written direction of the Depositor on amounts
on deposit in the Trust Account (other than as an obligor on any investments on which the institution acting as Owner Trustee is an obligor). 

ARTICLE V 
 DUTIES OF
THE OWNER TRUSTEE 
 SECTION 5.01 General Authority. Notwithstanding any other provision of this Trust Agreement to the
contrary, the Owner Trustee shall have power and authority, and is hereby authorized, directed and empowered, in the name of and on behalf of the Trust, to execute and deliver the Transaction Documents to which the Trust is or is to be a party and
each certificate, agreement, instrument, financing statement or other document attached as an exhibit to or contemplated by the Transaction Documents to which the Trust is or is to be a party and any amendment thereto, (i) in the case of any
such document to be delivered by the Trust on or before the date of this Trust Agreement, in such form as the Depositor shall approve and provide 

  
 8 

 
to the Owner Trustee for execution, as evidenced conclusively by the Owner Trustee’s execution thereof and the Depositor’s execution of this Trust Agreement, and (ii) in the case
of any such amendment or other document to be delivered by the Trust after the date of this Trust Agreement at the written direction of either the Depositor or the Administrator, as applicable, in such form as the Depositor or the Administrator, as
the case may be, shall approve and direct the Owner Trustee to execute. In addition to the foregoing and subject to Sections 2.02 and 5.02, the Owner Trustee, in the name and on behalf of the Trust, shall also have power and authority
and hereby is authorized and empowered, but shall not be obligated, to take all actions required of the Trust pursuant to the Transaction Documents. The Owner Trustee shall also have power and authority and hereby is further authorized and
empowered, but shall not be obligated, from time to time to take such action expressly required of the Owner Trustee under the Transaction Documents. 

SECTION 5.02 General Duties. It shall be the duty of the Owner Trustee to discharge (or cause to be discharged) all of the duties
expressly required to be performed by the Owner Trustee under the terms of this Trust Agreement and, subject to Section 5.03(a), to administer the Trust in the interest of the Beneficiaries, subject to and in accordance with the
Transaction Documents and the provisions of this Trust Agreement. Notwithstanding the foregoing, the Owner Trustee shall be deemed to have discharged its duties and responsibilities hereunder and under the Transaction Documents to the extent the
Depositor, the Servicer, the Beneficiary, the Directing Holder, the Administrator or any other Person has agreed to perform or has been assigned such duty or responsibility hereunder or in any Transaction Document to perform any act or to discharge
any duty of the Owner Trustee or of the Trust hereunder or under any such Transaction Document, and the Owner Trustee shall not be held personally liable for the default or failure of the Depositor, the Servicer, the Beneficiary, the Directing
Holder, the Administrator or any other Person to carry out such duty or responsibility. 
 SECTION 5.03 Action upon Instruction.
(a) Subject to Sections 5.07 through 5.10 and Section 6.01, the Administrator may, by written instruction, direct the Owner Trustee in the management of the Trust. Notwithstanding the foregoing or any other provision
of this Trust Agreement, the Owner Trustee shall not be required to take any action hereunder or under any Transaction Document if the Owner Trustee shall have reasonably determined, or shall have been advised by counsel, that such action is likely
to result in liability on the part of the Owner Trustee or is contrary to the terms hereof or of any Transaction Document or is otherwise contrary to law. 

(b) Whenever the Owner Trustee is unable to decide between alternative courses of action permitted or required by the terms of this Trust
Agreement or under any other Transaction Document, the Owner Trustee shall promptly give notice (in such form as shall be appropriate under the circumstances) to the Administrator, requesting instruction as to the course of action to be adopted, and
to the extent the Owner Trustee acts or refrains from acting in good faith in accordance with any written instruction of the Administrator, the Owner Trustee shall not be personally liable on account of such action or inaction to any Person. If the
Owner Trustee shall not have received appropriate instruction within 10 days of such notice (or within such shorter period of time as reasonably may be specified in such notice or may be necessary under the circumstances), it may take or refrain
from taking such action as it shall deem to be in the best interests of the Beneficiaries and in accordance with the terms of the Transaction Documents but shall be under no duty to take or refrain from taking any such action and shall have no
personal liability to any Person for such action or inaction. 

  
 9 

 (c) In the event that the Owner Trustee is unsure as to the application of any provision of this
Trust Agreement or any other Transaction Document or any such provision is ambiguous as to its application, or is, or appears to be, in conflict with any other applicable provision, or in the event that this Trust Agreement permits any determination
by the Owner Trustee or is silent or is incomplete as to the course of action that the Owner Trustee is required or permitted to take with respect to a particular set of facts, or if the Owner Trustee otherwise determines instruction to be necessary
or desirable, the Owner Trustee may give notice (in such form as shall be appropriate under the circumstances) to the Administrator requesting instruction and, to the extent that the Owner Trustee acts or refrains from acting in good faith in
accordance with any such instruction received from the Administrator, the Owner Trustee shall not be personally liable, on account of such action or inaction, to any Person. If the Owner Trustee shall not have received appropriate instruction within
10 days of such notice (or within such shorter period of time as reasonably may be specified in such notice or may be necessary under the circumstances), it may take or refrain from taking such action as it shall deem to be in the best interests of
the Beneficiaries but shall be under no duty to take or refrain from taking any such action and shall have no personal liability to any Person for such action or inaction. 

SECTION 5.04 No Duties Except as Specified in this Trust Agreement or in Instructions. The Owner Trustee shall not have any duty
or obligation to manage, make any payment with respect to, register, record, sell, dispose of or otherwise deal with the Trust or the Owner Trust Estate, or to otherwise take or refrain from taking any action under, or in connection with this Trust
Agreement or any Transaction Document or any document contemplated hereby or thereby, except as expressly provided by the terms of this Trust Agreement or in any document or written instruction received by the Owner Trustee pursuant to
Section 5.03 or any other provision of this Trust Agreement; and no implied duties (including fiduciary duties) or obligations shall be read into this Trust Agreement or any Transaction Document against the Owner Trustee. To the extent
that, at law or in equity, the Owner Trustee has duties (including fiduciary duties) and liabilities relating thereto to the Trust or to any other Person, the Owner Trustee shall not be liable to the Trust or to any other Person for the Owner
Trustee’s good faith reliance on the provisions of this Trust Agreement. The provisions of this Trust Agreement, to the extent that they restrict or eliminate the duties and liabilities of the Owner Trustee otherwise existing at law or in
equity are agreed by the parties hereto to replace such other duties and liabilities of the Owner Trustee. The Owner Trustee shall have no responsibility for filing or recording any financing or continuation statement in any public office at any
time or to otherwise perfect or maintain the perfection of any security interest or lien granted to it or the Trust hereunder or under any Transaction Document or to prepare or file any SEC filing for the Trust or to record this Trust Agreement or
any Transaction Document. The Owner Trustee nevertheless agrees that it will, at its own cost and expense, promptly take all action as may be necessary to discharge any liens on any part of the Owner Trust Estate that result from actions by, or
claims against, the Owner Trustee that are not related to the Trust, this Trust Agreement, the Owner Trustee’s serving as Owner Trustee pursuant to this Trust Agreement or the ownership or the administration of the Owner Trust Estate. 

  
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 SECTION 5.05 No Action Except Under Specified Documents or Instructions. The Owner
Trustee shall not manage, control, use, sell, dispose of or otherwise deal with any part of the Owner Trust Estate except in accordance with (i) the powers granted to and the authority conferred upon the Owner Trustee pursuant to this Trust
Agreement and (ii) in accordance with any document or instruction delivered to the Owner Trustee pursuant to any provision of this Trust Agreement (including, without limitation, Section 5.03 hereof). 

SECTION 5.06 [Reserved]. 

SECTION 5.07 Restrictions on the Power. None of the Depositor, the Directing Holder, the Beneficiary or the Administrator shall
direct the Owner Trustee to take or to refrain from taking any action, if such action or inaction would be contrary to any obligation of the Trust or of any such party under this Trust Agreement or any of the Transaction Documents or would cause a
violation of this Trust Agreement or any of the Transaction Documents or would be contrary to or inconsistent with Section 2.02 or Section 5.09, nor shall the Owner Trustee be obligated to follow any such direction, if given.

 To the fullest extent permitted by applicable law, the Trust, the Owner Trustee or any other Person on behalf of the Trust, shall not
have the power to (i) institute proceedings to have the Trust declared or adjudicated bankrupt or insolvent, (ii) consent to the institution of bankruptcy or insolvency proceedings against the Trust, (iii) file a petition or consent
to a petition seeking reorganization or relief on behalf of the Trust under any applicable federal or state law relating to bankruptcy, (iv) consent to the appointment of a receiver, liquidator, assignee, trustee, sequestrator or any similar
official of the Trust or any property of the Trust, (v) make any assignment for the benefit of the Trust’s creditors, (vi) cause the Trust to admit in writing its inability to pay its debts generally as they become due or
(vii) take any action, or cause the Trust to take any action, in furtherance of any of the foregoing (the actions listed in items (i) through (vii) above being hereinafter referred to as “Bankruptcy Action”). In the
event that the Trust is eligible to be a debtor under the United States Bankruptcy Code, 11 U.S.C. § § 101 et seq., as amended, the parties hereto stipulate and agree that neither the Depositor, any Beneficiary nor any other
Person (such as the Administrator) has the authority to commence any Bankruptcy Action on the part of the Trust or to direct the Owner Trustee to take any Bankruptcy Action on the part of the Trust, such authority being reserved exclusively to the
Owner Trustee. 
 SECTION 5.08 Depositor May Act for Beneficiaries. Except as expressly provided herein, any action or direction
that may be taken or given by the Beneficiaries under this Trust Agreement may be taken or given by the Depositor. Except as expressly provided herein, any written notice of the Beneficiaries delivered pursuant to this Trust Agreement shall be
effective if signed by the Depositor at the time of the delivery of such notice. 
 SECTION 5.09 Separateness. (a) The
Trust shall not: 
 (i) engage in any business or activity other than as set forth in Section 2.02 hereof; 

(ii) enter into transactions with Affiliates unless such transactions are on an arm’s-length basis, on commercially
reasonable terms and on terms no less 

  
 11 

 
favorable than would be obtained in a comparable arm’s-length transaction with an unrelated third party and shall otherwise maintain an arm’s-length relationship with its Affiliates;

 (iii) except as otherwise provided in Section 7.01, dissolve or liquidate, in whole or in part; 

(iv) consolidate or merge with or into any other entity or, except as permitted under the Indenture, sell, lease, assign,
convey or otherwise transfer all or substantially all of its properties and assets to any Person; 
 (v) take any action that
it knows shall cause the Trust to become insolvent; 
 (vi) guarantee or become obligated for the debts of any other Person
or hold out its credit as being available to satisfy the obligations of any other Person, except as expressly provided or contemplated in the Transaction Documents; 

(vii) hold out its credit as being available to satisfy the obligations of any other Person; 

(viii) incur or assume any indebtedness except as contemplated by the Transaction Documents; 

(ix) pledge its assets for the benefit of any other Person or make any loans or advances to any entity except as contemplated
by the Transaction Documents; 
 (x) take any action that shall cause the Trust to be treated as an association (or publicly
traded partnership) taxable as a corporation for U.S. federal income tax purposes; 
 (xi) acquire the obligations or
securities of its Affiliates or the Depositor or own any material assets other than the Loans and related assets and any incidental property as may be necessary for the operation of the Trust, except as contemplated by the Transaction Documents; or

 (xii) identify itself as a division of any other person or entity. 

(b) Notwithstanding any other provision of this Trust Agreement to the contrary, the Trust shall: 

(i) maintain complete books, records and agreements (including books of account and minutes of meetings and other proceedings)
as official records and separate from each other Person; 
 (ii) strictly observe all organizational formalities; 

(iii) maintain its bank accounts separate from each other Person; 

  
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 (iv) except as expressly contemplated in the Transaction Documents, not commingle
its assets with those of any other Person and hold all of its assets in its own name; 
 (v) conduct its own business in its
own name; 
 (vi) not have its assets listed on the financial statements of another Person, except as required by U.S.
generally accepted accounting principles consistently applied; 
 (vii) other than as contemplated by the Transaction
Documents, pay its own liabilities and expenses only out of its own funds; 
 (viii) observe formalities required under the
Delaware Statutory Trust Act; 
 (ix) use separate stationery, invoices and checks bearing its own name (or under any name
licensed pursuant to any trademark license or similar agreement); 
 (x) hold itself out as a separate entity from any other
Person, including the Depositor, and not conduct any business in the name of any other Person, including the Depositor; 

(xi) correct any known misunderstanding regarding its separate identity; 

(xii) not form, acquire or hold any subsidiary (whether corporate, partnership, limited liability company or other) except as
permitted under the Transaction Documents; 
 (xiii) maintain its assets in such a manner that it will not be costly or
difficult to segregate, ascertain or identify its individual assets from those of any other Person; 
 (xiv) maintain
adequate capital in light of its contemplated business operations, transactions and liabilities; and 
 (xv) cause its agents
and other representatives to act at all times with respect to it consistently and in furtherance of the foregoing. 
 The parties hereto
hereby agree that the entering into and performance by the Trust of the Transaction Documents in accordance with the terms and conditions thereof shall not be deemed to have caused the Trust to have violated, or to have failed to comply with, any of
the foregoing restrictions or covenants set forth in this Section 5.09 or any other restrictions or covenants contained in this Trust Agreement. 

SECTION 5.10 Certain Litigation Matters. The Owner Trustee shall provide prompt written notice to the Depositor, the Indenture
Trustee and the Servicer of any action, 

  
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proceeding or investigation involving the Trust actually known to a Responsible Officer of the Owner Trustee that could reasonably be expected to adversely affect the Trust or the Owner Trust
Estate or their respective rights or obligations under any of the Transaction Documents. 
 ARTICLE VI 

CONCERNING THE OWNER TRUSTEE 

SECTION 6.01 Acceptance of Trust and Duties. The Owner Trustee accepts the trust hereby created and agrees to perform the same but
only upon the terms of this Trust Agreement. The Owner Trustee also agrees to disburse all moneys actually received by it constituting part of the Owner Trust Estate in accordance with the terms of this Trust Agreement. The Owner Trustee will not be
liable or accountable under any circumstances in its individual capacity, except (i) for its own willful misconduct, bad faith or gross negligence, (ii) in the case of the inaccuracy of any representation or warranty contained in
Section 6.07 or (iii) for taxes, fees or other charges on, based on or measured by, any fees, commissions or other compensation earned by the Owner Trustee for acting as owner trustee hereunder. In particular, but not by way of
limitation: 
 (a) The Owner Trustee will not be personally liable for any error of judgment made in good faith by an
authorized officer of the Owner Trustee so long as the same was not grossly negligent in ascertaining the facts; 
 (b) The
Owner Trustee will not be personally liable with respect to any action taken or omitted to be taken by the Owner Trustee in good faith in accordance with the instructions of the Directing Holder, the Administrator, the Beneficiary or the Depositor;

 (c) No provision of this Trust Agreement will require the Owner Trustee to expend or risk its personal funds or otherwise
incur any financial liability in the performance of any of its rights or powers hereunder, if the Owner Trustee has reasonable grounds for believing that repayment of such funds or adequate indemnity against such risk or liability is not reasonably
assured or provided to it, including such advances as the Owner Trustee may reasonably request; 
 (d) Under no circumstance
will the Owner Trustee be personally liable for the accuracy or performance of any representation, warranty, covenant, agreement or other obligation, including any indebtedness, of the Trust; 

(e) The Owner Trustee will not be personally responsible or liable for or in respect of the validity or sufficiency of this
Trust Agreement or for the due execution hereof by the Depositor or for the form, character, genuineness, sufficiency, value or validity of any of the Owner Trust Estate, or for or in respect of the validity or sufficiency of any Transaction
Document or other agreement entered into by the Trust, and the Owner Trustee shall in no event assume or incur any personal liability, duty or obligation to any Beneficiary, holder of indebtedness of the Trust or other Person, other than as
expressly provided for herein; 

  
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 (f) Under no circumstance will the Owner Trustee be responsible or liable for the
action or inaction of the Depositor, the Directing Holder, the Administrator, the Indenture Trustee or the Servicer, nor will the Owner Trustee be responsible for monitoring or supervising the performance of the Depositor’s, the Directing
Holder’s or the Administrator’s duties hereunder or the duties of the Trust, the Indenture Trustee, the Administrator or the Servicer under any Transaction Documents or of any other Person acting for or on behalf of the Trust; 

(g) In no event will the Owner Trustee be personally liable (i) for special, consequential or punitive damages,
(ii) for the acts or omissions of its nominees, correspondents, clearing agencies or securities depositories, (iii) for the acts or omissions of brokers or dealers or (iv) for any losses due to forces beyond the control of the Owner
Trustee, including strikes, work stoppages, acts of war or terrorism, insurrection, revolution, nuclear or natural catastrophes or acts of God and interruptions, loss or malfunctions of utilities, communications or computer (software and hardware)
services. The Owner Trustee will have no responsibility for the accuracy of any information provided to any of the Beneficiary, the Directing Holder or any other Person that has been obtained from, or provided to the Owner Trustee by, any other
Person; 
 (h) Notwithstanding anything contained herein to the contrary, the Owner Trustee shall not be required to take any
action in any jurisdiction other than in the State of Delaware if the taking of such action will (i) require the registration with, licensing by or the taking of any other similar action in respect of, any State or other governmental authority
or agency of any jurisdiction other than the State of Delaware by or with respect to the Owner Trustee (as such or in its individual capacity); (ii) result in any fee, tax or other governmental charge under the laws of any jurisdiction or any
political subdivisions thereof in existence on the date hereof other than the State of Delaware becoming payable by the Owner Trustee (as such or in its individual capacity); or (iii) subject the Owner Trustee (as such or in its individual
capacity) to personal jurisdiction in any jurisdiction other than the State of Delaware for causes of action arising from acts unrelated to the consummation of the transactions by the Owner Trustee contemplated hereby. The Owner Trustee shall be
entitled to obtain advice of counsel (the fees and expenses of which shall be reimbursable to the Owner Trustee pursuant to Section 11.01) to determine whether any action required to be taken pursuant to this Trust Agreement results in
the consequences described in clauses (i), (ii) and (iii) of the preceding sentence. In the event that said counsel advises the Owner Trustee that such action will result in such consequences, the Owner Trustee shall, at the written
direction of the Administrator, appoint an additional trustee pursuant to Section 8.04 to proceed with such action; 

(i) The Owner Trustee shall not be required to take any action or make any payment on any day in which banks are required or
permitted to close in the State of Delaware; and 
 (j) The Owner Trustee shall be under no obligation to exercise any of the
rights or powers vested in it by this Trust Agreement, or to institute, conduct or defend any litigation under this Trust Agreement or otherwise or in relation to the Trust, this 

  
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Trust Agreement or any Transaction Document, at the request, order or direction of any of the Beneficiary, the Directing Holder, the Administrator, the Depositor or any other Person (as
applicable), unless such Persons have offered to the Owner Trustee (including in its individual capacity) security or indemnity satisfactory to it against the costs, expenses and liabilities that may be incurred by the Owner Trustee (including in
its individual capacity) therein or thereby. The right of the Owner Trustee to perform any discretionary act enumerated in this Trust Agreement shall not be construed as a duty. 

SECTION 6.02 Furnishing of Documents. The Owner Trustee will furnish to the Depositor, within a reasonable time under the
circumstances after receipt thereof, duplicates or copies of all reports, notices, requests, demands, certificates, financial statements and any other instruments furnished to the Owner Trustee with respect to the Trust or the Owner Trust Estate.
The Owner Trustee may satisfy this requirement by posting such documents and making them available to the Depositor. 
 SECTION 6.03
Representations and Warranties as to the Owner Trust Estate. The Owner Trustee makes no representation or warranty as to, and will not be liable for, the title, value, condition, design, operation, merchantability or fitness for use of the
Owner Trust Estate (or any part thereof) or any other representation or warranty, express or implied, whatsoever with respect to the Owner Trust Estate (or any part thereof), except that the Owner Trustee, in its individual capacity, hereby
represents and warrants to the Beneficiaries that it will comply with the last sentence of Section 5.04. 
 SECTION 6.04
[Reserved]. 
 SECTION 6.05 Reliance; Advice of Counsel. The Owner Trustee will incur no liability to anyone in acting
upon any signature, instrument, notice, resolution, request, consent, order, certificate, report, opinion, bond or other document or paper believed by it to be genuine and believed by it to be signed by the proper party or parties. The Owner Trustee
may accept a certified copy of a resolution of the board of directors or other governing body of any entity as conclusive evidence that such resolution has been duly adopted by such body and that the same is in full force and effect. As to any fact
or matter the manner of ascertainment of which is not specifically prescribed herein, the Owner Trustee may for all purposes rely on an officer’s certificate of the relevant party, as to such fact or matter, and such officer’s certificate
will constitute full protection to the Owner Trustee for any action taken or omitted to be taken by it in good faith in reliance thereon. In the administration of the Trust, the Owner Trustee may, at the expense of the Trust (i) execute the
trust or any of the powers hereof and perform its powers and duties hereunder directly or through agents or attorneys, and the Owner Trustee will not be liable for the default or misconduct of any agent or attorney appointed by it in good faith; and
(ii) consult with counsel, accountants and other skilled persons to be selected and employed by it, and the Owner Trustee will not be liable for anything done, suffered or omitted in good faith by it in accordance with the advice or opinion of
any such counsel, accountants or other skilled persons. 
 SECTION 6.06 Not Acting in Individual Capacity. Except as provided in
this Article VI, in accepting the trusts hereby created Wilmington Trust, National Association acts solely as Owner Trustee hereunder and not in its individual capacity; and all Persons having any 

  
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claim against the Trust or the Owner Trustee, whether by reason of the transactions contemplated by this Trust Agreement or otherwise, will look only to the Owner Trust Estate (or a part thereof,
as the case may be) for payment or satisfaction thereof, except as specifically provided in this Article VI. 
 SECTION 6.07
Representations and Warranties. The Owner Trustee hereby represents and warrants to the Beneficiaries that: 
 (a) The
Owner Trustee is a national banking association, organized, validly existing and in good standing under the federal laws of the United States of America and is authorized to exercise corporate trust powers. 

(b) The execution, delivery and performance by the Owner Trustee, in its individual capacity, of this Trust Agreement are
within the corporate power of the Owner Trustee, have been duly authorized by all necessary corporate action on the part of the Owner Trustee (no action by its shareholders being required) and do not (i) violate or contravene any judgment,
injunction, order or decree binding on the Owner Trustee, (ii) violate, contravene or constitute a default under any provision of the articles of association or bylaws of the Owner Trustee or (iii) result in the creation or imposition of
any lien attributable to the Owner Trustee, in its individual capacity, on the Owner Trust Estate. This Trust Agreement constitutes the legal, valid and binding agreement of the Owner Trustee, enforceable against the Owner Trustee in accordance with
its terms except to the extent that the enforceability thereof is subject to (i) bankruptcy, insolvency, fraudulent transfer, reorganization, moratorium, receivership and other similar laws now or hereafter in effect related to creditors’
rights generally and (ii) general principles of equity, regardless of whether such enforceability is considered in a proceeding in equity or at law. This Trust Agreement will be executed and delivered by a Responsible Officer of the Owner
Trustee duly authorized to execute and deliver this Trust Agreement on the Owner Trustee’s behalf. 
 (c) No consent,
approval, authorization or order of, or filing with, any court or regulatory, supervisory or governmental agency or body of the State of Delaware is required by the Owner Trustee under current Delaware law in connection with the execution, delivery
or performance by the Owner Trustee, in its individual capacity, of this Trust Agreement. 
 ARTICLE VII 

TERMINATION OF TRUST AGREEMENT 

SECTION 7.01 Termination. (a) The Trust created hereby will automatically dissolve and commence winding up, in accordance
with Section 3808 of the Delaware Statutory Trust Act, upon the satisfaction and discharge of the Indenture. Any money or other property held as part of the Trust Assets following such discharge shall be distributed to the Beneficiary in
accordance with this Agreement. The bankruptcy, liquidation, dissolution, death or incapacity of any Beneficiary shall not (x) operate to dissolve or terminate this Trust Agreement or the Trust 

  
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or (y) to the fullest extent permitted by law, entitle such Beneficiary’s legal representatives or heirs to claim an accounting or to take any action or proceeding in any courts for a
partition or winding up of all or any part of the Trust or the Owner Trust Estate. 
 (b) Notice of any dissolution or termination of the
Trust shall be given by the Owner Trustee by letter to the Beneficiary mailed within five Business Days of the Owner Trustee’s receipt of written notice of such dissolution and the following information from the Administrator, which notice
shall state that the final distribution of all amounts remaining in the Trust Account shall be made upon presentation and surrender of the Trust Certificate to the Owner Trustee. In the event that all of the Beneficiaries shall not surrender their
Trust Certificates for cancellation within six months after the date of the notice delivered by the Owner Trustee, the Owner Trustee shall give a second written notice to the remaining Beneficiaries to surrender their Trust Certificates for
cancellation and receive the final distribution with respect thereto. If within one year after the second notice all the Trust Certificates shall not have been surrendered for cancellation, any funds remaining in the Trust Account shall be
distributed by the Owner Trustee to the Depositor. Beneficiaries shall thereafter look solely to the Depositor as general unsecured creditors. 

SECTION 7.02 Certificate of Cancellation. Upon the written instruction from the Depositor that the Trust has been dissolved and
wound up in accordance with Section 3808 of the Delaware Statutory Trust Act, the Owner Trustee will, at the expense of the Depositor, file a certificate of cancellation with the Delaware Secretary of State and the Trust and this Trust
Agreement (other than Article XI) shall terminate and be of no further force or effect. 
 ARTICLE VIII 

SUCCESSOR OWNER TRUSTEES, CO-OWNER TRUSTEES AND SEPARATE 

OWNER TRUSTEES 

SECTION 8.01 Resignation and Removal of the Owner Trustee; Appointment of Successors. Upon the occurrence of a Disqualification
Event with respect to the Owner Trustee, the Depositor may appoint a successor Owner Trustee which satisfies the requirements set forth in Section 8.03 by written instrument. If a successor Owner Trustee has not been appointed within 30
days after the giving of written notice of such resignation or the delivery of the written instrument with respect to such removal, the Owner Trustee or the Depositor may apply to any court of competent jurisdiction to appoint a successor Owner
Trustee to act until such time, if any, as a successor Owner Trustee has been appointed as provided above. Any successor Owner Trustee so appointed by such court will immediately and without further act be superseded by any successor Owner Trustee
appointed as above provided. The Owner Trustee may resign at any time without cause by giving at least 30 days’ prior written notice to the Depositor, the Beneficiary and the Indenture Trustee. No such removal or resignation will become
effective until a successor Owner Trustee, however appointed, becomes vested as Owner Trustee hereunder pursuant to Section 8.02. If no successor has been appointed within 30 days of such resignation or removal, the Owner Trustee, at the
expense of the Trust, may petition any court of competent jurisdiction for the appointment of a successor. The Depositor will notify each Rating Agency promptly after the resignation or removal of the Owner Trustee and promptly after the appointment
of a successor Owner Trustee. 

  
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 SECTION 8.02 Transfer Procedures. Any successor Owner Trustee, however appointed,
will execute and deliver to the predecessor Owner Trustee an instrument accepting such appointment, and such other documents of transfer as may be necessary, and thereupon such successor Owner Trustee, without further act, will become vested with
all the estates, properties, rights, powers, duties and trust of the predecessor Owner Trustee in the trust hereunder with like effect as if originally named an Owner Trustee herein and the predecessor Owner Trustee will be fully discharged of its
duties and obligations to serve as Owner Trustee hereunder. Any successor Owner Trustee shall file an amendment to the Certificate of Trust as required by the Delaware Statutory Trust Act. 

SECTION 8.03 Qualification of Owner Trustee. Any Owner Trustee will at all times (i) be a trust company or a banking
corporation under the laws of its state of incorporation or a national banking association authorized to exercise trust powers and subject to regulation by state or federal authorities, (ii) satisfy the requirement of Section 3807(a) of
the Delaware Statutory Trust Act that the Trust have at least one trustee with a principal place of business in the State of Delaware, (iii) have a combined capital and surplus of not less than $50,000,000 (or have its obligations and
liabilities irrevocably and unconditionally guaranteed by an affiliated Person having a combined capital and surplus of at least $50,000,000) and (iv) be rated (or have a parent which is rated) investment grade by S&P. 

SECTION 8.04 Co-Owner Trustees and Separate Owner Trustees. (a) Notwithstanding any other provisions of this Trust Agreement,
at any time, for the purpose of meeting any legal requirement of any jurisdiction in which any part of the Owner Trust Estate is located, the Administrator and the Owner Trustee acting jointly shall have the power and shall execute and deliver all
instruments to appoint one or more Persons approved by the Owner Trustee and the Depositor to act as co-trustee, jointly with the Owner Trustee, or as separate trustee or trustees, of all or any part of the Owner Trust Estate, and to vest in such
Person, in such capacity, such title to the Trust, or any part thereof, and, subject to the other provisions of this Section 8.04, such powers, duties, obligations, rights and trusts as the Owner Trustee and the Depositor may consider
necessary or desirable. If the Administrator shall not have joined in such appointment within 15 days after the receipt by it of a request so to do, the Owner Trustee alone shall have the power to make such appointment. No co-trustee or separate
trustee under this Trust Agreement shall be required to meet the terms of eligibility as a successor trustee pursuant to Section 8.03 and no notice of the appointment of any co-trustee or separate trustee shall be required pursuant to
Section 8.01. 
 (b) Each separate trustee and co-trustee shall, to the extent permitted by law, be appointed and act subject to
the following provisions and conditions: 
 (i) all rights, powers, duties and obligations conferred or imposed upon the
Owner Trustee shall be conferred upon and exercised or performed by the Owner Trustee and such separate trustee or co-trustee jointly (it being understood that such separate trustee or co-trustee is not authorized to act separately without the Owner
Trustee joining in such act), except to the extent that under any law of any jurisdiction in 

  
 19 

 
which any particular act or acts are to be performed, the Owner Trustee shall be incompetent or unqualified to perform such act or acts, in which event such rights, powers, duties and obligations
(including the holding of title to the Trust or any portion thereof in any such jurisdiction) shall be exercised and performed singly by such separate trustee or cotrustee, but solely at the direction of the Owner Trustee; 

(ii) no trustee under this Trust Agreement shall be personally liable by reason of any act or omission of any other trustee
under this Trust Agreement; and 
 (iii) the Owner Trustee may at any time accept the resignation of or remove any separate
trustee or co-trustee. 
 (c) Any notice, request or other writing given to the Owner Trustee shall be deemed to have been given to each of
the then separate trustees and co-trustees, as effectively as if given to each of them. Every instrument appointing any separate trustee or co-trustee shall refer to this Trust Agreement and the conditions of this Article. Each separate trustee and co-trustee, upon its acceptance of the trusts conferred, shall be vested with the estates or property specified in its instrument of appointment, either jointly with the Owner Trustee or separately, as may be
provided therein, subject to all the provisions of this Trust Agreement, specifically including every provision of this Trust Agreement relating to the conduct of, affecting the liability of, or affording protection to, the Owner Trustee. Each such
instrument shall be filed with the Owner Trustee and a copy thereof given to the Administrator. Prior to the vesting of the estates, property or title to assets in the Owner Trustee, or any separate or co-trustee as contemplated by this
Section 8.04, the Depositor shall take all steps necessary to cause the lien of the Indenture to be maintained as a first-priority perfected security interest. 

(d) Any separate trustee or co-trustee may at any time appoint the Owner Trustee as its agent or attorney-in-fact with full power and
authority, to the extent not prohibited by law, to do any lawful act under or in respect of this Trust Agreement on its behalf and in its name. If any separate trustee or co-trustee shall die, become incapable of acting, resign or be removed, all of
its estates, properties, rights, remedies and trusts shall vest in and be exercised by the Owner Trustee, to the extent permitted by law, without the appointment of a new or successor trustee. 

ARTICLE IX 
 AMENDMENTS

 SECTION 9.01 Amendments. (a) This Trust Agreement may only be amended or modified (i) by a written instrument
executed by the Depositor and the Owner Trustee, at the written direction of the Administrator or the Beneficiary, (ii) with the consent of the Required Noteholders and the Administrative Agent and (iii) upon the satisfaction of the Rating
Agency Condition; provided, however, that any such action shall be conditioned upon receipt by the Owner Trustee of a Tax Opinion, which shall not be at the expense of the Owner Trustee. The Depositor shall provide a copy of any such
amendment to each Beneficiary and to the Administrator. 

  
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 (b) No such amendment will increase the duties or obligations of the Owner Trustee under this
Trust Agreement or decrease its rights or benefits hereunder, without the consent of the Owner Trustee, which consent will be evidenced by the Owner Trustee’s execution of such amendment. If in the opinion of the Owner Trustee any instrument
required to be executed adversely affects any right, duty or liability of, or immunity or indemnify in favor of, the Owner Trustee under this Trust Agreement or any of the documents contemplated hereby, or would cause or result in any conflict with
or breach of any terms, conditions or provisions of, or default under, the charter documents or by-laws of the Owner Trustee, the Owner Trustee may in its good faith discretion decline to execute such instrument. 

(c) The Owner Trustee shall be entitled to require and may conclusively rely on an opinion of counsel that any proposed amendment complies
with the terms of this Trust Agreement and a certificate from the Depositor that all other conditions precedent to the execution and delivery of such amendment under this Trust Agreement have been met. 

ARTICLE X 
 OWNERSHIP
INTERESTS AND CERTIFICATES 
 SECTION 10.01 Issuance of Trust Certificates. (a) Promptly following the execution and
delivery of this Trust Agreement, the Owner Trustee will execute and deliver to the Depositor, as the sole initial Beneficiary, a certificate of ownership interest in the form of Exhibit A hereto (the “Trust Certificate”) evidencing
the beneficial interest (the “Ownership Interest”) in the Trust. 
 (b) The Trust Certificate will be
executed by manual signature on behalf of the Owner Trustee by an authorized officer. A Trust Certificate bearing the manual signature of an individual who was, at the time when such signature was affixed, an authorized officer will bind the Trust,
notwithstanding that such individual has ceased to be so authorized before the delivery of such Trust Certificate. The Trust Certificate will be dated the date of its execution. 

(c) The Beneficiary will be entitled to all rights provided to it under this Trust Agreement and in the Trust Certificate and
will be subject to the terms and conditions contained in this Trust Agreement and in the Trust Certificate. 
 (d) The Owner
Trustee will maintain at its office referred to in Section 2.05, or at the office of any agent appointed by it and approved in writing by the Depositor, a register for the registration and transfer of the Trust Certificate. Such register
will show the name and address of the holder of a Trust Certificate, and the Owner Trustee will treat such register as definitive and binding for all purposes hereunder. 

(e) Any issuance of additional Trust Certificates representing additional Ownership Interests will be effective only upon
issuance of a Tax Opinion, which will not be an expense of the Owner Trustee. 
 SECTION 10.02 Ownership Interest; Prohibitions on
Transfer. (a) The Ownership Interests will initially be beneficially owned by the Depositor. Transfers of interests 

  
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in the Ownership Interest and the Trust Certificate may be made to any other Person who (i) is an Affiliate of the Depositor, (ii) is not a Seller under the Loan Purchase Agreement and
(iii) is a U.S. person within the meaning of Section 7701(a)(30) of the Internal Revenue Code (a Person meeting the requirements of (i), (ii) and (iii), a “Permitted Transferee”). The Beneficiary may not transfer, assign,
exchange or otherwise pledge or convey all or any part of its right, title and interest in and to the Trust Certificate or its Ownership Interest to any other Person, except to any Permitted Transferee. It shall be a condition to any such transfer,
assignment, exchange or pledge (i) that the Beneficiary and the proposed Permitted Transferee certify to the Owner Trustee that such proposed transfer, assignment, exchange or pledge complies with this Section 10.02 and all restrictive
legends required hereby and (ii) if made without the prior written consent of the Directing Holder (to be obtained by the Depositor), that the Owner Trustee shall have received a certificate of an Authorized Officer of the Depositor confirming
that such transfer, assignment, exchange or pledge will not adversely affect the interests of the Noteholders under and in connection with the Notes and the Transaction Documents. Any purported transfer by the Beneficiary of all or any part of its
right, title and interest in and to the Trust Certificate or the Ownership Interest (1) to any Person will be effective only upon issuance of an Opinion of Counsel with respect to non-consolidation matters (and, if such Person is a Seller or an
Affiliate of a Seller, true sale matters) and a Tax Opinion, which will not be an expense of the Owner Trustee, and (2) not in compliance with the terms of this Section 10.02 will be null and void. 

(b) The Trust Certificate will bear a legend setting forth the restriction on the transferability of such Trust Certificate substantially as
follows: 
 “NO INTEREST IN THIS CERTIFICATE OF OWNERSHIP INTEREST MAY BE TRANSFERRED, ASSIGNED, EXCHANGED OR OTHERWISE PLEDGED OR
CONVEYED EXCEPT IN COMPLIANCE WITH THE TERMS OF THE TRUST AGREEMENT REFERRED TO BELOW. IN ADDITION, THE OWNERSHIP INTEREST IN THE TRUST REPRESENTED BY THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OF 1933 (THE
“SECURITIES ACT”) OR ANY STATE SECURITIES LAWS AND MAY NOT BE DIRECTLY OR INDIRECTLY OFFERED OR SOLD OR OTHERWISE DISPOSED OF BY THE HOLDER HEREOF UNLESS SUCH TRANSACTION IS EXEMPT FROM REGISTRATION UNDER THE SECURITIES ACT, THE INVESTMENT
COMPANY ACT OF 1940 AND APPLICABLE STATE SECURITIES LAWS. 
 THIS CERTIFICATE MAY NOT BE TRANSFERRED TO OR HELD BY (1) AN
EMPLOYEE BENEFIT PLAN THAT IS SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), A PLAN THAT IS SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS

  
 22 

 
AMENDED (THE “CODE”), AN ENTITY THAT IS DEEMED TO BE HOLDING PLAN ASSETS OF ANY OF THE FOREGOING BY REASON OF SUCH EMPLOYEE BENEFIT PLAN’S OR PLAN’S INVESTMENT IN THE ENTITY
WITHIN THE MEANING OF 29 C.F.R. 2510.3-101 AS MODIFIED BY SECTION 3(42) OF ERISA (EACH, A “BENEFIT PLAN INVESTOR”), (2) A PLAN THAT IS SUBJECT TO ANY NON-U.S., FEDERAL, STATE OR LOCAL LAW THAT IS MATERIALLY SIMILAR TO SECTION 406 OF
ERISA OR SECTION 4975 OF THE CODE (“SIMILAR LAW”) OR (3) ANY PERSON ACTING ON BEHALF OF, OR USING ASSETS OF, A BENEFIT PLAN INVESTOR OR A PLAN SUBJECT TO SIMILAR LAW.” 

SECTION 10.03 Lost or Destroyed Trust Certificate. If the Trust Certificate becomes mutilated, destroyed, lost or stolen, the
Owner Trustee will, upon the written request of the holder of such Trust Certificate, and in compliance with all applicable terms of this paragraph, execute and deliver to such holder in replacement thereof a new Trust Certificate, as applicable,
dated the same date as on the Trust Certificate so mutilated, destroyed, lost or stolen. If the Trust Certificate being replaced has been mutilated, destroyed, lost or stolen, the holder of such Trust Certificate will furnish to the Owner Trustee
such security or indemnity as may be reasonably required by the Owner Trustee to save the Owner Trustee harmless from any damage, loss or liability in connection with such Trust Certificate, and the Owner Trustee may require from the party
requesting such new Trust Certificate payment of a reasonable sum to reimburse the Owner Trustee for, or to provide funds for, the payment of any costs, fees and expenses and any tax or other governmental charge in connection therewith and any
charges paid or payable by the Owner Trustee. 
 ARTICLE XI 

COMPENSATION OF OWNER TRUSTEE; INDEMNIFICATION 

SECTION 11.01 Owner Trustee’s Fees and Expenses. The Trust will (i) pay to the Owner Trustee on the Payment Date
occurring in March of each calendar year, beginning in March 2015, a fee for acting as Owner Trustee in an amount equal to $3,000, payable annually in advance, and (ii) reimburse the Owner Trustee for all other reasonable out-of-pocket costs
and expenses (including reasonable fees and expenses of outside counsel) incurred by it in connection with its acting as Owner Trustee of the Trust, in each case in accordance with Section 8.06 of the Indenture. Amounts payable to the
Owner Trustee pursuant to this Section 11.01 shall be payable from amounts designated for payment to the Owner Trustee pursuant to the Indenture or from other amounts available to the Issuer that are not subject to the lien of the
Indenture and shall not be limited by any law regarding the compensation of a trustee. 
 SECTION 11.02 Indemnification. The
Trust hereby agrees, whether or not any of the transactions contemplated by this Trust Agreement will be consummated, to assume 

  
 23 

 
liability for, and hereby indemnifies, protects, saves and keeps harmless the Owner Trustee (in its individual capacity and as the Owner Trustee) and its officers, directors, successors, assigns,
legal representatives, agents and servants (the “Indemnified Parties”), from and against any and all liabilities, obligations, losses, damages, penalties, taxes, claims, actions, suits, investigations, proceedings, costs, expenses
or disbursements (including reasonable legal fees and expenses) of any kind and nature whatsoever which may be imposed on, incurred by or asserted at any time against an Indemnified Party (whether or not also indemnified against by any other person)
in any way relating to or arising out of (i) this Trust Agreement or any other related documents or the enforcement of any of the terms of any thereof, the administration of the Trust and the Owner Trust Estate or the action or inaction of the
Owner Trustee under this Trust Agreement, (ii) any action or inaction taken by the Owner Trustee on behalf of the Trust in accordance with this Trust Agreement, and (iii) the manufacture, purchase, acceptance, nonacceptance, rejection,
ownership, delivery, lease, possession, use, operation, condition, sale, return or other disposition of any property (including any strict liability, any liability without fault and any latent and other defects, whether or not discoverable), except,
in any such case, to the extent that any such liabilities, obligations, losses, damages, penalties, taxes, claims, actions, suits, investigations, proceedings, costs, expenses and disbursements are the result of the willful misconduct, bad faith or
gross negligence of either of the Owner Trustee or such Indemnified Party. 
 In case any such action, investigation or proceeding will be
brought involving an Indemnified Party, the Trust will assume the defense thereof, including the employment of counsel and the payment of all expenses. The Owner Trustee will have the right to employ separate counsel in any such action,
investigation or proceeding and to participate in the defense thereof, and reasonable counsel fees and expenses of such counsel will be paid by the Trust. 

The indemnification set forth herein will survive the termination of this Trust Agreement and the resignation or removal of the Owner Trustee.

 ARTICLE XII 

MISCELLANEOUS 

SECTION 12.01 Conveyance by the Owner Trustee is Binding. Any sale or other conveyance of any part of the Owner Trust Estate by
the Owner Trustee on behalf of the Trust made pursuant to the terms of this Trust Agreement and in accordance with the written instructions of the Depositor will bind the Beneficiaries and will be effective to transfer or convey all beneficial
interest of the Owner Trustee and the Beneficiaries in and to such part of the Owner Trust Estate, as the case may be. No purchaser or other grantee will be required to inquire as to the authorization, necessity, expediency or regularity of such
sale or conveyance or as to the application of any sale or other proceeds with respect thereto by the Owner Trustee or the officers. 

  
 24 

 SECTION 12.02 Instructions; Notices. All instructions, notices, requests or other
communications (“Deliveries”) desired or required to be given under this Trust Agreement will be in writing and will be sent by (a) certified or registered mail, return receipt requested, postage prepaid, (b) national
prepaid overnight delivery service, (c) telecopy or other facsimile transmission (d) email or other electronic communication or (e) personal delivery, with receipt acknowledged in writing, to the following addresses: 

 

	 	(i)	if to the Depositor and sole initial Beneficiary: 

 OneMain Financial Warehouse, LLC 

300 St. Paul Place 
 BSP15 

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

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

Baltimore, MD 21202 
 Attention:
Office of General Counsel 
  

	 	(ii)	if to the Owner Trustee: 

 Wilmington Trust, National Association 

Rodney Square North 
 1100 North
Market Street 
 Wilmington, Delaware 19890 

Attention: Corporate Trust Administration 
  

	 	(iii)	if to the Administrator: 

 OneMain Financial, Inc. 

300 St. Paul Place 
 Baltimore, MD
21202 
 Attention: Oona Robinson 

Telephone: (410) 332-7723 

oona.robinson@citi.com 

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

Baltimore, MD 21202 
 Attention:
Office of General Counsel 
 Any Deliveries desired or required to be delivered to any Noteholders, including the Required Noteholders, under this Trust
Agreement shall be delivered to the Indenture Trustee at its address specified under the Indenture. 

  
 25 

 All Deliveries will be deemed given when actually received or refused by the party to whom the
same is directed (except to the extent sent by certified or registered mail, return receipt requested, postage prepaid, in which event such Deliveries will be deemed given three days after the date of mailing and except to the extent sent by
telecopy or other facsimile transmission, in which event such Deliveries will be deemed given when answer back is received). Each party may designate a change of address or supplemental address by notice to the other parties, given at least 15 days
before such change of address is to become effective. 
 SECTION 12.03 Severability. Any provision of this Trust Agreement which
is prohibited or unenforceable in any jurisdiction will, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof, and any such prohibition or unenforceability
in any jurisdiction will not invalidate or render unenforceable any provision hereof in any other jurisdiction. 
 SECTION 12.04
Limitation of Liability. (a) To the fullest extent permitted by law, none of the Beneficiaries nor any officer, director, employee, agent, partner, shareholder, trustee or principal of (i) any Beneficiary, (ii) the Trust or
(iii) any Person owning, directly or indirectly, any legal or beneficial interest in any Beneficiary, will have any liability or obligation with respect to the Trust or the performance of this Trust Agreement or any other agreement, document or
instrument executed by the Trust, and the creditors of the Trust and all other Persons will look solely to the Owner Trust Estate for the satisfaction of any claims with respect thereto. The foregoing limitation of liability is in addition to, and
not exclusive of, any limitation of liability applicable to the Persons referred to above by operation of law. 
 (b) All agreements entered
into by the Trust under which the Trust would have any material liability will contain an exculpatory provision substantially to the following effect: 

Neither any trustee nor any beneficiary of OneMain Financial Warehouse Trust nor any of their respective officers, directors, employers or
agents will have any liability with respect to this agreement, and recourse may be had solely to the assets of OneMain Financial Warehouse Trust with respect thereto. The failure to include the foregoing provision in any agreement shall not affect
the Trust’s power and authority under this Trust Agreement to enter into such agreement. 
 SECTION 12.05 Separate
Counterparts. This Trust Agreement may be executed by the parties hereto in separate counterparts, each of which when so executed and delivered will be an original, but all such counterparts will together constitute but one and the same
instrument. 
 SECTION 12.06 Successors and Assigns. All covenants and agreements contained herein will be binding upon, and
inure to the benefit of, the Owner Trustee and its successors and assigns and the Beneficiary and their successors and assigns, all as herein provided. Any request, notice, direction, consent, waiver or other instrument or action by the Beneficiary
will bind the successors and assigns of the Beneficiary. 

  
 26 

 SECTION 12.07 Headings. The headings of the various Articles and Sections herein are
for convenience of reference only and will not define or limit any of the terms or provisions herein. 
 SECTION 12.08 Governing
Law. This Trust Agreement will in all respects be governed by, and construed in accordance with, the laws of the State of Delaware without regard to conflicts of law principles of such State. 

SECTION 12.09 Nonpetition Covenant. (a) To the fullest extent permitted by law and notwithstanding any prior termination of
this Trust Agreement, the Owner Trustee agrees that it shall not file, commence, join, or acquiesce in a petition or proceeding, or cause any Beneficiary to file, commence, join, or acquiesce in a petition or proceeding, that causes (i) the
Beneficiary to be a debtor under any Debtor Relief Law or (ii) a trustee, conservator, receiver, liquidator, or similar official to be appointed for such Beneficiary or any substantial part of its property; provided, that nothing
contained herein shall prevent any such party that has not breached this covenant from filing a proof of claim in any such proceeding. 

(b) To the fullest extent permitted by law and notwithstanding any prior termination of this Trust Agreement, each of the Beneficiary and the
Owner Trustee agree that it shall not file, commence, join, or acquiesce in a petition or proceeding, or cause the Trust to file, commence, join, or acquiesce in a petition or proceeding, that causes (i) the Trust to be a debtor under any
Debtor Relief Law or (ii) a trustee, conservator, receiver, liquidator, or similar official to be appointed for the Trust or any substantial part of its property; provided, that nothing contained herein shall prevent any such party that
has not breached this covenant from filing a proof of claim in any such proceeding. 
 (c) The parties hereto agree that the provisions of
this Section 12.09 shall survive the resignation or removal of any such party to this Trust Agreement and the termination of this Trust Agreement. 

SECTION 12.10 Signature of Returns. At the written direction of the Depositor, the Depositor or the Administrator, pursuant to the
Administration Agreement, will sign on behalf of the Trust any Periodic Filings of the Trust or other documents relating to the Trust prepared by, or on behalf of, the Depositor. 

SECTION 12.11 Fiduciary Duty of the Depositor. 

(a) The Depositor (the “Covered Person”) agrees to perform its duties under Sections 2.02, 2.06, 5.01,
5.08, 8.01, 8.04, 9.01 and 12.10 of this Agreement in good faith and in the best interests of the Trust but only upon the express terms of this Trust Agreement. The Covered Person shall not have any implied duties
(including fiduciary duties) or liabilities otherwise existing at law or in equity with respect to the Trust in connection with the performance of its duties under this Trust Agreement. 

(b) The Covered Person shall not be personally liable in connection with the performance of its duties under this Trust Agreement, except that
such limitation shall not relieve the Covered Person of any personal liability it may have for any act or omission that constitutes bad faith, willful misconduct or gross negligence in the performance of its express duties under this Trust
Agreement. 

  
 27 

 SECTION 12.12 Third-Party Beneficiaries. Each of the parties hereto acknowledges and
agrees that the Indenture Trustee, the Administrative Agent and the Noteholders under the Indenture are express third-party beneficiaries of the rights of the Trust arising hereunder. 

[Remainder of page intentionally left blank] 

  
 28 

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

			
	WILMINGTON TRUST, NATIONAL
        ASSOCIATION, as the Owner Trustee
		
	By:		 /s/ Rosaline K. Maney

			Name: Rosaline K. Maney
			Title: Administrative Vice President
	
	ONEMAIN FINANCIAL WAREHOUSE, LLC,
        as the Depositor and sole initial Beneficiary
		
	By:		 /s/ Oona Robinson

			Name: Oona Robinson
			Title: Assistant Treasurer

  
 [Signature Page to
Amended and Restated Trust Agreement (OMF Warehouse)] 

 EXHIBIT A 

FORM OF TRUST CERTIFICATE 
 THIS
CERTIFICATE OF OWNERSHIP INTEREST (THIS “CERTIFICATE”) MAY NOT BE TRANSFERRED, ASSIGNED, EXCHANGED OR OTHERWISE PLEDGED OR CONVEYED EXCEPT IN COMPLIANCE WITH THE TERMS OF THE TRUST AGREEMENT REFERRED TO BELOW. IN ADDITION, THE OWNERSHIP
INTEREST IN THE TRUST REPRESENTED BY THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OF 1933 (THE “SECURITIES ACT”) OR ANY STATE SECURITIES LAWS AND MAY NOT BE DIRECTLY OR INDIRECTLY OFFERED OR SOLD OR
OTHERWISE DISPOSED OF BY THE HOLDER HEREOF UNLESS SUCH TRANSACTION IS EXEMPT FROM REGISTRATION UNDER THE SECURITIES ACT, THE INVESTMENT COMPANY ACT OF 1940 AND APPLICABLE STATE SECURITIES LAWS. 

THIS CERTIFICATE MAY NOT BE TRANSFERRED TO OR HELD BY (1) AN EMPLOYEE BENEFIT PLAN THAT IS SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF
1974, AS AMENDED (“ERISA”), A PLAN THAT IS SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE “CODE”), AN ENTITY THAT IS DEEMED TO BE HOLDING PLAN ASSETS OF ANY OF THE FOREGOING BY REASON OF SUCH
EMPLOYEE BENEFIT PLAN’S OR PLAN’S INVESTMENT IN THE ENTITY WITHIN THE MEANING OF 29 C.F.R. 2510.3-101 AS MODIFIED BY SECTION 3(42) OF ERISA (EACH, A “BENEFIT PLAN INVESTOR”), (2) A PLAN THAT IS SUBJECT TO ANY NON-U.S.,
FEDERAL, STATE OR LOCAL LAW THAT IS MATERIALLY SIMILAR TO SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE (“SIMILAR LAW”) OR (3) ANY PERSON ACTING ON BEHALF OF, OR USING ASSETS OF, A BENEFIT PLAN INVESTOR OR A PLAN SUBJECT TO SIMILAR
LAW. 
 ONEMAIN FINANCIAL WAREHOUSE TRUST 

CERTIFICATE OF OWNERSHIP INTEREST 

UNDER AMENDED AND RESTATED TRUST AGREEMENT DATED AS OF 

February 3, 2015 
  

	 Certificate No. [    ] 
	 [                    ], 2015

 Wilmington Trust, National Association, not in its individual capacity but solely as owner trustee (the
“Owner Trustee”) under that certain Amended and Restated Trust Agreement dated as of February 3, 2015 (as amended, restated, supplemented or otherwise modified from time to time, the “Trust Agreement”), among
OneMain Financial Warehouse, LLC, as the Depositor and sole initial Beneficiary, and the Owner Trustee, hereby certifies on behalf of the Trust that the Beneficiary is the owner (the “Owner”) of the Ownership Interest in the Trust
provided for and created by the Trust Agreement. This Certificate of Ownership Interest is issued pursuant to and is entitled to the benefits of the Trust Agreement, and the Owner hereof by acceptance hereof agrees to be bound by the terms of the
Trust Agreement. Reference is hereby made to the Trust 

 
Agreement for a statement of the rights and obligations of the Owner hereof. The Owner Trustee may treat the Person in whose name this Certificate of Ownership Interest is registered on the
register maintained by the Owner Trustee pursuant to Section 10.01(d) of the Trust Agreement as the absolute Owner hereof for all purposes. 

The holder of this Certificate, by accepting this Certificate, acknowledges that this Certificate does not represent an interest in or
obligation of the Owner Trustee and no recourse may be had against the Owner Trustee or its properties. 
 By accepting this Certificate,
the holder of this Certificate hereby covenants and agrees that prior to the date that is one year and one day after payment in full of all obligations of the Issuer in respect of all securities issued by the Issuer, such holder shall not commence,
join or institute against, with any other Person, any proceeding against the Issuer or the Depositor under any bankruptcy, reorganization, liquidation or insolvency law or statute now or hereafter in effect in any jurisdiction. 

Capitalized terms used but not defined herein have the meanings ascribed to them in or by reference to the Trust Agreement. 

This Certificate and the Trust Agreement will in all respects be governed by, and construed in accordance with, the laws of the State of
Delaware, without regard to any conflict of law provisions. 
 IN WITNESS WHEREOF, the Owner Trustee, pursuant to the Trust Agreement, has
caused this Certificate of Ownership Interest to be issued by the Trust as of the date hereof. 
  

			
	ONEMAIN FINANCIAL WAREHOUSE
      TRUST
		
	By:    	 	WILMINGTON TRUST, NATIONAL ASSOCIATION, not in its individual capacity but solely as Owner Trustee under the Trust Agreement

 
			
		
	By:	 	  

		 	Name:
		 	Title:EX-10.42

 Exhibit 10.42 

EXECUTED VERSION 
 LOAN
TRUST AGREEMENT 
 This Loan Trust Agreement (the “Trust Agreement”) is entered into as of February 3, 2015
between OneMain Financial Warehouse Trust, a Delaware statutory trust (the “Issuer”), and Wells Fargo Bank, N.A., a national banking association duly organized and existing under the laws of the United States of America
(“Wells Fargo”), as Issuer Loan Trustee for the Issuer (the “Issuer Loan Trustee”). 
 WHEREAS, the
Issuer, the Issuer Loan Trustee, the Depositor, the Depositor Loan Trustee, the Servicer and the Subservicers party thereto are party to the Sale and Servicing Purchase Agreement, pursuant to which each of the Depositor and the Depositor Loan
Trustee for the benefit of the Depositor will sell, from time to time, to the Issuer and the Issuer Loan Trustee for the benefit of the Issuer, respectively, certain interests in the Loans; 

WHEREAS, pursuant to this Trust Agreement, the Issuer desires the Issuer Loan Trustee to hold legal title to, and serve as loan trustee with
respect to, such Loans purchased by the Issuer and the Issuer Loan Trustee pursuant to the Sale and Servicing Agreement, for the benefit of the Issuer; 

WHEREAS, the Issuer intends to finance its acquisition of the Loans with proceeds of the issuance of the Notes under the Indenture; 

WHEREAS, the Loans are to be pledged by the Issuer (and with respect to legal title, the Issuer Loan Trustee) to the Indenture Trustee, for
the benefit of the Noteholders (as defined in the Indenture) under the Indenture; and 
 WHEREAS, the parties hereto desire and intend to
create the trusts set forth herein, and the Issuer Loan Trustee agrees to be charged with and accept the trusts and duties set forth in this Trust Agreement; 

NOW THEREFORE, for and in consideration of the mutual covenants contained herein the parties hereto hereby agree as follows: 

ARTICLE I 
 DEFINITIONS
AND INTENT 
 Section 1.1 Definitions. Certain capitalized terms in this Trust Agreement are defined in and shall have the
respective meanings assigned to them in Part A of Schedule II (together with Part B of such Schedule II, the “Definitions Schedule”) to the Sale and Servicing Agreement of even date herewith among OneMain Financial Warehouse, LLC, a
Delaware limited liability company (the “Depositor”), Wells Fargo, not in its individual capacity but solely as loan trustee for the benefit of the Depositor (in such capacity, the “Depositor Loan Trustee”), OneMain
Financial, Inc., a Delaware corporation, as servicer (in such capacity, the “Servicer”), the Subservicers party thereto, the Issuer and the Issuer Loan Trustee. The rules of construction set forth in Part B of the Definitions
Schedule shall be applicable to this Trust Agreement. In addition, with respect to all terms used in this Trust Agreement, the singular includes the plural and the plural includes the singular; words importing any gender include the other gender;

 
references to “writing” include printing, typing, lithography, and other means of reproducing words in a visible form; references to agreements and other contractual instruments include
schedules and exhibits thereto and all subsequent amendments, modifications and changes thereto or therein entered into in accordance with their respective terms and not prohibited by this Trust Agreement; references to Persons include their
permitted successors and assigns; and the terms “include” or “including” mean “include without limitation” or “including without limitation.” 

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

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

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

  
 -2- 

 ARTICLE II 

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

DOCUMENTS; ACCEPTANCE OF TRUST 

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

Section 2.2 Creation and Acceptance of Trust. The Issuer shall cause all legal and record right, title and interest in the Loans
to be held by the Issuer Loan Trustee; which Loans shall be held, administered and pledged and the proceeds thereof applied in accordance with the terms of the Transaction Documents for the benefit of the Issuer, except that such interest of the
Issuer in the Loans (and the Issuer Loan Trustee’s legal interest in the Loans) are to be assigned to the Indenture Trustee, for the benefit of the Noteholders, pursuant to the Indenture. At the written request of the Issuer hereunder, the
Issuer Loan Trustee hereby agrees to accept and hold all legal right, title and interest in the Loans without liability or responsibility at acceptance or otherwise for the condition or validity of such right, title and interest, in trust for the
use and benefit of the Issuer, except that such interest of the Issuer in the Loans (and the Issuer Loan Trustee’s legal interest in the Loans) are to be assigned to the Indenture Trustee, for the benefit of the Noteholders, pursuant to the
Indenture. 
 Section 2.3 Authority to Enter Into and Execute Documents. 

(a) The Issuer hereby authorizes and directs the Issuer Loan Trustee to enter into, execute and deliver any and all agreements, documents or
certificates as the Issuer may request in writing from time to time which may be required in connection with performing its duties and obligations with respect to Loans under this Trust Agreement, the Sale and Servicing Agreement, the Indenture, the
Back-up Servicing Agreement or any other Transaction Document or otherwise to give effect to the transactions contemplated hereby and thereby. The Issuer hereby authorizes and directs the Issuer Loan Trustee to execute and deliver the Sale and
Servicing Agreement, the Indenture and the Back-up Servicing Agreement. 
 (b) The Issuer Loan Trustee hereby authorizes the Issuer to enter
into, execute, deliver and perform any and all agreements, documents or certificates as the Issuer Loan Trustee may be requested or required to undertake in connection with performing its duties and obligations with respect to the Loans under any
Transaction Document, including but not limited to the execution of each Additional Loan Assignment pursuant to the Sale and Servicing Agreement. In connection with the enforcement of any rights of the Issuer Loan Trustee with respect to any Loan,
the Issuer Loan Trustee has granted the Servicer a power of attorney pursuant to Section 6.09 of the Sale and Servicing Agreement, pursuant to which the Servicer will take action on behalf of the Issuer Loan Trustee in connection with the
enforcement of such rights. 

  
 -3- 

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

(b) it is, and shall be, a “federal depository institution” as defined in 12 U.S.C. Section 1813(c)(4) under the
National Bank Act, as amended; 
 (c) if requested by the Issuer (with respect to Loans held on behalf of the Issuer under
this Trust Agreement) in a reasonably detailed writing that sets forth sufficient information and instructions, the Issuer Loan Trustee shall take commercially reasonable efforts to execute, deliver and perform the Sale and Servicing Agreement, the
Indenture and the other Transaction Documents, and all other agreements, documents or certificates required under the Sale and Servicing Agreement, the Indenture and any other agreements, instruments or documents relating, directly or indirectly, to
the servicing, administration, sale, exchange, assignment or transfer of Loans; 
 (d) at the written direction of the
Issuer, the Issuer Loan Trustee shall take commercially reasonable efforts to sell, exchange or otherwise deal with the Loans in accordance with the Indenture; 

(e) at the written direction of the Issuer, the Issuer Loan Trustee shall take commercially reasonable efforts to enter into
the Sale and Servicing Agreement, the Indenture and the other Transaction Documents to which the Issuer Loan Trustee is a party, and thereafter comply with the terms thereof, and take such actions as are necessary and reasonably directed to convey,
transfer, assign, pledge and grant a lien on and security interest in all of its legal and record right, title and interest in and to the Loans in accordance with the Sale and Servicing Agreement, the Indenture and the other Transaction Documents;

 (f) at the written direction of the Issuer, the Issuer Loan Trustee shall take commercially reasonable efforts to take
such actions as are necessary or appropriate in order for the Issuer to obtain the full value and benefits of the Indenture and the Loans held on behalf of the Issuer under this Trust Agreement; 

(g) it shall hold all Confidential Information pertaining to the Loans in the same manner that it holds its own confidential
information and it agrees not to use Confidential Information for any purpose other than for the limited purpose of performing its obligations under this Trust Agreement; 

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

  
 -4- 

 (i) it shall execute such agreements and documents as directed in writing by the
Issuer providing for the administration of and receipt by the Issuer of the cash flows and other permissible interests in the Loans. 

Section 2.5 Duties of the Issuer. The Issuer, by the execution hereof, covenants, represents, warrants and agrees that: 

(a) it shall accept, hold and maintain the beneficial interest in each Loan free of any claims, liens or encumbrances, except
the rights of the Indenture Trustee under the Indenture; 
 (b) it shall promptly take all necessary actions to perform its
obligations hereunder and to support the Issuer Loan Trustee in the prompt and full performance of its obligations hereunder and under the Indenture and the other Transaction Documents; 

(c) on an annual basis, but no later than June 30 of each year beginning on June 30, 2015, it shall deliver a report
to the Issuer Loan Trustee regarding servicing relationships and give notice to the Issuer Loan Trustee of any addition or termination of any servicer relationship and of any change in the performance status of the Servicer or the applicable
Subservicer; 
 (d) on an annual basis, but no later than June 30 of each year beginning on June 30, 2015, it shall
provide the Issuer Loan Trustee a certificate of the Issuer stating that the Issuer is not in default and has not been in default since the delivery of the last such certificate with respect to this Trust Agreement; 

(e) it shall not use the name of the Issuer Loan Trustee in any promotional materials, brochures, web site or web site content,
promotional or informational letters or other written materials or oral discussions except that the Issuer may use the name of the Issuer Loan Trustee (i) to indicate in the relevant loan documentation the holder of legal and record title of
such loans and (ii) in any documents in which the Issuer is required by law to specify the holder of legal and record title to the Loans. Specifically, the Issuer Loan Trustee expressly consents to the Issuer using the name of the Issuer Loan
Trustee in any report or disclosure required by any Governmental Authority where the Issuer is required to specify the holder of legal and record title to the Loans. In so using the Issuer Loan Trustee’s name, it will ensure that there is no
misconception as to the Issuer Loan Trustee’s role hereunder and that the Issuer Loan Trustee is acquiring the Loans solely as Issuer Loan Trustee for the benefit of the Issuer, and not in its individual capacity; 

(f) no information furnished by the Issuer to the Issuer Loan Trustee in connection with the negotiation of this Trust
Agreement contains any material misstatement of fact or omitted to state any material fact necessary to make the statements contained herein not misleading; and 

  
 -5- 

 (g) it shall not direct the Issuer Loan Trustee to take any action hereunder that
is not in compliance with any Transaction Document, and it shall not direct the Issuer Loan Trustee to take any action that would cause the Issuer or the Issuer Loan Trustee to be in breach of any of the terms or provisions of, or constitute (with
or without notice or lapse of time or both) a default, under any Transaction Document. 
 Section 2.6 Acceptance of Duties;
Concerning the Issuer Loan Trustee. 
 (a) The Issuer Loan Trustee accepts the trusts hereby created and agrees to perform the duties and
only the duties specifically set forth in this Trust Agreement, and no implied covenants or obligations shall be read into the trust created hereby against the Issuer Loan Trustee. The Issuer Loan Trustee shall not be answerable or accountable under
any circumstances except for its gross negligence or willful misconduct. 
 (b) In particular, but not by way of limitation: 

(i) the Issuer Loan Trustee shall not be personally liable for any error of judgment made in good faith by any of its officers
or employees absent gross negligence or willful misconduct; 
 (ii) under no circumstances shall the Issuer Loan Trustee be
personally liable for any representation, warranty, covenant, obligation or indebtedness or obligation of any other Person; 

(iii) the Issuer Loan Trustee shall not be personally liable for or in respect of the validity or sufficiency of this Trust
Agreement or for the due execution hereof by any other Person or for the value of the Trust property; 
 (iv) the Issuer Loan
Trustee shall not be liable for the default or misconduct of the Issuer, the Servicer or any Subservicer and shall not be liable for any act or omission taken at the direction of the Issuer; 

(v) the Issuer Loan Trustee shall not be personally liable for (x) punitive, special or consequential damages, however
styled, including, without limitation, lost profits, (y) the acts or omissions of any nominee, correspondent, clearing agency or securities depository through which it holds the Trust’s assets or (z) any losses due to forces beyond
the reasonable control of the Trustee, including, without limitation, strikes, work stoppages, acts of war or terrorism, insurrection, revolution, nuclear or natural catastrophes or acts of God and interruptions, loss or malfunctions of utilities,
communications or computer (software or hardware) services; 
 (vi) every provision of this Trust Agreement relating to the
Issuer Loan Trustee shall be subject to the provisions of this Section 2.6. 
 (c) The Issuer Loan Trustee is authorized and directed
to execute, deliver and perform (i) the Transaction Documents to which the Issuer Loan Trustee is a party and each certificate or other document attached as an exhibit to or contemplated by the Transaction Documents to which the Issuer Loan
Trustee is to be a party and (ii) each other agreement, 

  
 -6- 

 
instrument, certificate or other document to which the Issuer Loan Trustee is to be a party in connection with the Transaction Documents (each, an “Other Document”) in such form
as the Issuer shall approve and direct in writing. The execution and delivery of, and performance of the terms of, the Sale and Servicing Agreement, the Indenture, the Back-up Servicing Agreement and each certificate or other document attached as an
exhibit to or otherwise contemplated thereby, or any Other Document to which the Issuer Loan Trustee is to be a party, shall be deemed not to conflict with or constitute a breach or default under this Trust Agreement. 

(d) The Issuer Loan Trustee agrees that it will not manage, control, use, sell, dispose of or otherwise deal with the Trust assets except
(i) as expressly required by the terms of this Trust Agreement or (ii) as expressly provided in written instructions from the Issuer. 

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

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

 (h) The Issuer Loan Trustee shall not be required to take any action under this Trust Agreement if the Issuer Loan Trustee shall have
been advised by the written opinion of counsel that such action is contrary to the terms of this Trust Agreement or is otherwise contrary to law. 

(i) Whenever the Issuer Loan Trustee is unable to decide between alternative courses of action permitted or required by the terms of this
Trust Agreement, or is unsure as to the application, intent, interpretation or meaning of any provision hereof, the Issuer Loan Trustee may give notice (in such form as shall be appropriate under the circumstances) to the Issuer requesting
instruction, and to the extent the Issuer Loan Trustee acts in good faith in accordance with any such instruction received, the Issuer Loan Trustee shall not be liable on account of such action to any Person. The Issuer Loan Trustee shall be fully
protected in refraining from taking any such action pending the receipt of direction from the Issuer. 

  
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 (j) For the avoidance of doubt, prior to taking any action under this Trust Agreement, the
Issuer Loan Trustee shall be entitled to receive written instructions of the Issuer. Any direction, certificate or notification required to be given or delivered by the Issuer pursuant to this Agreement, and any action required to be taken by the
Issuer pursuant to this Agreement, may be performed by the Administrator or the Depositor on behalf of the Issuer, in accordance with the authority of the Administrator or the Depositor, as applicable, to act on behalf of the Issuer pursuant to the
Administration Agreement. The Issuer Loan Trustee shall not be liable for any action that it takes or omits to take in good faith in reliance on the instructions of the Issuer (or the Administrator or the Depositor acting on its behalf). The Issuer
Loan Trustee shall be entitled to assume that any direction from the Issuer (or the Administrator or the Depositor acting on its behalf) is given in accordance with the Transaction Documents without independent verification; provided that if
the Issuer Loan Trustee in good faith determines that any such direction is not given in accordance with the Transaction Documents or applicable law, then the Issuer Loan Trustee shall have no obligation to follow such direction. 

(k) The Issuer Loan Trustee shall not be bound to make any investigation into the facts or matters stated in any resolution, certificate,
statement, instrument, opinion, report, notice, request, direction, consent, order, bond, debenture, note or other paper or document. 
 (l)
The Issuer Loan Trustee shall have no liability for (x) the failure of the Servicer, any Subservicer, the Depositor, the Issuer or any sub-servicer, agent of or counsel to any of the foregoing to conduct a foreclosure in accordance with the
terms of this Trust Agreement, the Loan Purchase Agreement, the Sale and Servicing Agreement or applicable law, or (y) the failure of realization in any foreclosure resulting from the failure to properly file or record any other transfer
document, and the Issuer Loan Trustee shall not be required to take any action in connection with any of the foregoing matters. 
 (m) The
Issuer shall not be required to provide, on its own behalf, any surety bond or other kind of security in connection with the execution of any of its trust or powers under this Trust Agreement, the Sale and Servicing Agreement or the performance of
its duties hereunder. 
 (n) In order to help the U.S. government fight terrorism and money laundering, Federal law requires the Issuer to
obtain, verify and record information that identifies each business or entity that opens an account or establishes a relationship. Thus, the Issuer may ask for the business name, a street address and tax identification number from any person that
Federal law requires it to obtain. 
 (o) The parties expressly acknowledge and consent to Wells Fargo Bank, N.A. acting as Issuer Loan
Trustee and Wells Fargo Bank, N.A. acting as Depositor Loan Trustee. Each of the Issuer Loan Trustee and the Depositor Loan Trustee may, in such capacity, discharge its separate functions fully, without hindrance or regard to conflict of principles,
duty of loyalty principles or other breach of fiduciary duties to the extent any such conflict or breach arises from the performance by the Issuer Loan Trustee of express duties set forth in this Trust Agreement, the Depositor Loan Trustee of
express duties set forth in the Depositor Loan Trust Agreement with respect thereto. 

  
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 Section 2.7 Reliance on Certain Documents, Other Persons; Taxes. The Issuer Loan
Trustee shall not incur any liability in acting upon any signature, instrument, notice, resolution, request, consent, order, certificate, report, opinion, bond or other document or paper believed by it to be genuine and believed by it to be signed
by the proper party or parties. The Issuer Loan Trustee may accept a certified copy of a resolution of the board of directors or other governing body of any corporate party as conclusive evidence that such resolution has been duly adopted by such
body and that the same is in full force and effect. As to any fact or matter the manner of ascertainment of which is not specifically prescribed herein, the Issuer Loan Trustee may for all purposes hereof rely on a certificate, signed by the
president or any vice president or by the treasurer or any assistant treasurer or the secretary or any assistant secretary of the relevant party, as to such fact or matter, and such certificate shall constitute full protection to the Issuer Loan
Trustee for any action taken or omitted to be taken by it in good faith in reliance thereon. In the administration of its duties hereunder, the Issuer Loan Trustee may execute any of the trusts or powers hereof and perform its powers and duties
hereunder directly or, at the expense of the Issuer, through other agents or attorneys and may, at the expense of the Issuer, seek advice of counsel, accountants and other skilled persons to be selected and employed by it, and the Issuer Loan
Trustee shall not be liable for anything done, suffered or omitted in good faith by it in accordance with the advice or opinion of any such counsel, accountants or other skilled persons. 

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

Section 2.10 Compensation. The Issuer Loan Trustee shall be entitled to (a) an annual fee in the amount of $1,000, which
shall be paid in equal monthly installments in accordance with the Priority of Payments on each Payment Date, for all services rendered by it hereunder with respect to Loans held on behalf of the Issuer under this Trust Agreement, and
(b) reimbursement of all of the Issuer Loan Trustee’s reasonable expenses, charges, and other 

  
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disbursements and those of its attorneys, agents, and employees incurred in and about the administration and execution of the trust hereby created with respect to Loans held on behalf of the
Issuer under this Trust Agreement. Amounts payable to the Issuer Loan Trustee hereunder are payable pursuant to Section 8.06 of the Indenture. 

Section 2.11 Qualification. The Issuer Loan Trustee, including any successor, shall at all times be a “federal depository
institution” as defined in 12 U.S.C. §1813(c)(4) under the National Bank Act, as amended. 
 Section 2.12 Successors.

 (a) The Issuer Loan Trustee or any successor thereto may resign at any time without cause by giving at least 60 days’ prior
written notice or may resign immediately if the Issuer breaches its obligations under Sections 2.13 and 2.14, in either case such resignation to be effective only upon the acceptance of the trust created by Article II hereunder by any successor
Issuer Loan Trustee meeting the requirements of Section 2.11 hereof and the requirements set forth for the Indenture Trustee in Section 6.11 of the Indenture and payment in full of all amounts due to the Issuer Loan Trustee. In addition,
the Issuer may at any time remove the Issuer Loan Trustee without cause by an instrument in writing delivered to the Issuer Loan Trustee, such removal to be effective upon the acceptance of the trust created by Article II hereunder by a successor
Issuer Loan Trustee meeting the requirements of Section 2.11 hereof and payment in full of all amounts due to the Issuer Loan Trustee. If no successor Issuer Loan Trustee has been appointed within 60 days after notice of resignation or removal,
as the case may be, the Issuer Loan Trustee may request a court of competent jurisdiction to appoint a successor Issuer Loan Trustee meeting the requirements of Section 2.11 hereof; provided, however, that such right to appoint or
to petition for the appointment of any such successor shall in no event relieve the resigning Issuer Loan Trustee from any obligations otherwise imposed on it under the Transaction Documents until such successor has assumed such appointment.

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

(c) Any bank, corporation or other entity into which the Issuer Loan Trustee may be merged or converted or with which it may be
consolidated, or any bank, corporation or other entity resulting from any merger, conversion or consolidation to which the Issuer Loan Trustee shall be a party, or any bank, corporation or other entity to which substantially all the corporate trust
business of the Issuer Loan Trustee may be transferred, shall be the Issuer Loan Trustee under this Trust Agreement without any further act, provided the resulting bank, corporation or other entity meets the qualification requirements of
Section 2.11 hereof. 

  
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 Section 2.13 Servicing of Loans. The Issuer acknowledges that due diligence must be
used in the origination, servicing and collection of Loans, and servicing of the Loans must be done in accordance with applicable law. The Issuer hereby acknowledges that it has selected, or will select, the Servicer (which may appoint a
Subservicer) to service the Loans held by the Issuer Loan Trustee on behalf of the Issuer and on behalf of the Issuer Loan Trustee. The Issuer acknowledges that the Issuer Loan Trustee is not required by this Trust Agreement to monitor or supervise
the actions taken by the Servicer and the Subservicers. The Issuer will cause an annual certification to be provided to the Issuer Loan Trustee by June 30 of each year, covering the twelve months ending March 31 preceding the date of such
certification, that servicing of the Loans by the Servicer and the Subservicers has been conducted in accordance with the terms of the respective agreements that the Issuer has with the Servicer or the applicable Subservicer. 

Section 2.14 Indemnification. The Issuer hereby agrees to indemnify and hold harmless the Issuer Loan Trustee (in its individual
and trustee capacities) from and against any and all liabilities, obligations, losses, damages, penalties, claims, actions, suits, costs, expenses or disbursements (including legal fees and expenses) of any kind and nature whatsoever which may be
imposed on, incurred by or asserted against the Issuer Loan Trustee in any way relating to or arising out of this Trust Agreement or any document relating to this Trust Agreement, or the performance or enforcement of any of the terms of any
provision thereof, or in any way relating to or arising out of the administration of the trust estate or the action or inaction of the Issuer Loan Trustee hereunder, except only in the case of willful misconduct or gross negligence on the part of
the Issuer Loan Trustee in the performance of its duties hereunder. In no event shall the Issuer Loan Trustee or its directors, officers, agents and employees be held liable for any punitive, special, indirect or consequential damages resulting from
any action taken or omitted to be taken by it or them hereunder or in connection herewith even if advised of the possibility of such damages. The provisions of this Section 2.14 shall survive the resignation or removal of the Issuer Loan
Trustee and the termination of this Trust Agreement. Amounts payable pursuant to this Section 2.14 will be paid to the Issuer Loan Trustee solely from funds paid pursuant to Section 8.06 of the Indenture. 

Section 2.15 Representations and Warranties. The Issuer Loan Trustee hereby represents and warrants to the Issuer that: 

(a) It is a national banking association duly formed and validly existing in good standing under the laws of the United States
and has all requisite corporate power and authority to execute, deliver and perform its obligations under this Trust Agreement. 

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

(c) This Trust Agreement constitutes a legal, valid and binding obligation of the Issuer Loan Trustee, enforceable against it
in accordance with its terms, subject, as to enforceability, to applicable bankruptcy, insolvency, reorganization, conservatorship, receivership, liquidation and other similar laws affecting enforcement of the rights of creditors of banks generally
and to equitable limitations on the availability of specific remedies. 

  
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 (d) Neither the execution nor the delivery by it of this Trust Agreement, nor the
consummation by it of the transactions contemplated hereby nor compliance by it with any of the terms or provisions hereof will contravene any applicable federal or state law, governmental rule or regulation governing the banking or trust powers of
the Issuer Loan Trustee or any judgment or order binding on it, or constitute any default under its charter documents or by-laws. 

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

Section 2.16 Issuer Loan Trustee Interest. 

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

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

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

ARTICLE III 
 COVENANTS

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

  
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 Section 3.2 Collection of Payments with Respect to Loans; Enforcement of Loans. In
accordance with the terms of the Transaction Documents, the Issuer shall cause the Servicer or the applicable Subservicer to take reasonable steps, actions and proceedings necessary or appropriate to (a) make claim for and to collect all
principal and interest payments on the Loans and other amounts due thereunder, and (b) enforce all of the terms, covenants and conditions of the Loans. The Issuer will comply with all statutes, rules and regulations which apply to the Loans.

 ARTICLE IV 

CERTAIN TAX MATTERS 

Section 4.1 Grantor Trust Status. It is the intent of the parties hereto that the Trust be treated as a grantor trust for federal
income tax purposes under subpart E, part I of subchapter J of the Internal Revenue Code and not as an association taxable as a corporation, a partnership, or any other “business entity” (within the meaning of Treasury Regulation §
301.7701-2(a)), and the provisions of this Trust Agreement shall be interpreted and applied consistently therewith. The Issuer Loan Trustee covenants that it shall perform, and cause any agent of the Issuer Loan Trustee to perform, its obligations
hereunder in a manner so as to maintain the status of the trust created hereunder as a grantor trust for federal income tax purposes under subpart E, part I of subchapter J of the Internal Revenue Code and not as an association taxable as a
corporation, a partnership, or any other “business entity” (within the meaning of Treasury Regulation § 301.7701-2(a)), to the extent that maintaining such status and avoiding such taxes are reasonably within the control of the Issuer
Loan Trustee. 
 Section 4.2 Restrictions on Issuer Loan Trustee’s Power to Vary the Trust’s Investments.
Notwithstanding any provision of this Trust Agreement to the contrary, the Issuer Loan Trustee and any agent of the Issuer Loan Trustee shall not, except as otherwise directed in writing by the Issuer (or 100% of the beneficial owners of the Trust,
as determined for U.S. federal income purposes, if other than the Issuer) or except pursuant to written advice of nationally recognized tax counsel that the acts in question will not cause the Trust to be treated as other than a grantor trust for
federal income tax purposes under subpart E, part I of subchapter J of the Internal Revenue Code; (i) exchange any Loans for other property (other than cash to be distributed to the Issuer or remitted to the Indenture Trustee for deposit in the
Collection Account in accordance with this Trust Agreement); (ii) acquire any other property with, or otherwise reinvest, any income, payments or proceeds received with respect to the Loans, including any proceeds from the sale of any Loans;
(iii) accept any contributions of cash or property other than the Loans and income, payments, or proceeds received with respect to the Loans; (iv) modify the Loans, unless such modifications are required by law; or (v) otherwise
acquire or agree to acquire, by contribution, purchase, exchange, borrowing, or otherwise, any cash or property other than the Loans and any income, payments, or proceeds received with respect to the Loans. This Section 4.2 is intended to
ensure that no person has the power to vary the investments of the Trust within the meaning of Treasury Regulations § 301.7701-4(c) and shall be interpreted and applied consistently with such intent. 

  
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 Section 4.3 Register. At all times during the term of this Trust Agreement, the
Issuer Loan Trustee or its agent shall maintain a register (the “Register”) on which the name and address of each owner of beneficial interests in the Trust shall be recorded. The Register shall be updated for and shall reflect any
transfers of beneficial interests in the Trust, and no purported transfer of beneficial interests in the Trust shall be effective unless reflected in the Register. The entries in the Register shall be conclusive absent manifest error, and each
person whose name is recorded in the Register as an owner of the beneficial interests in the Trust shall be considered the owner of such interests for all purposes of this Trust Agreement notwithstanding any notice to the contrary. The provisions of
this Section 4.3 are intended to comply with the requirements that the beneficial interests in the Trust must meet in order to be considered in “registered form” within the meaning of Treasury Regulation § 1.871-14(c) and
(d) and shall be interpreted and applied consistently therewith. 
 ARTICLE V 

MISCELLANEOUS 

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

 

	 	(a)	if to the Issuer Loan Trustee: 

 Wells Fargo Bank, N.A. 

Attention: Corporate Trust Services/Structured Products Services 

Sixth Street and Marquette Avenue 

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

Facsimile: (612) 667-3464 

marianna.c.stershic@wellsfargo.com 

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

 

	 	(b)	if to the Issuer: 

 OneMain Financial Warehouse Trust 

c/o Wilmington Trust, National Association, as Owner Trustee 

Rodney Square North 
 1100 North
Market Street 
 Wilmington, Delaware 19890 

Attention: Corporate Trust Administration 

Email address: CitiFinancial\OMFIT.Warehouse@citi.com 

with a copy to the Administrator: 

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

  
 -14- 

 Attention: Oona Robinson 

Tel: (410) 332-7723 

oona.robinson@citi.com 
 with a
copy to: 
 OneMain Financial, Inc. 

300 St. Paul Place 
 Baltimore, MD
21202 
 Attention: Office of General Counsel 

or to such other address as may have been filed in writing with the Issuer Loan Trustee. 

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

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

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

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

Section 5.4 Termination. This Trust Agreement and the trust created by Article II hereunder (including all duties and obligations
of the parties hereto) shall terminate upon the sale, transfer, final disposition, maturity, final payment or assignment of all Loans held by the Issuer Loan Trustee on behalf of the Issuer under this Trust Agreement and the termination of the
Indenture. 

  
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 Section 5.5 Counterparts. This Trust Agreement may be executed by the parties hereto
in separate counterparts, each of which when so executed and delivered shall be an original, but all such counterparts shall together constitute but one and the same instrument. 

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

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

Section 5.9 Third Party Beneficiaries. By execution below, the Issuer Loan Trustee expressly acknowledges and agrees that all of
Issuer’s right, title, and interest in, to, and under this Trust Agreement, as such right, title and interest relate to the Loans, shall be pledged for collateral purposes by the Issuer to the Indenture Trustee for the benefit of the
Noteholders pursuant to the Indenture, and the Issuer Loan Trustee consents to such pledge. Each of the parties hereto acknowledges and agrees that the Indenture Trustee and the Noteholders under the Indenture are express third party beneficiaries
of the rights of the Issuer arising hereunder. The Issuer Loan Trustee acknowledges that the Indenture Trustee shall have the right to enforce the Issuer’s rights and remedies under this Trust Agreement, including, without limitation, the right
at any time to enforce this Trust Agreement and the obligations of the Issuer Loan Trustee hereunder, and the right at any time to give or withhold any and all consents, requests, notices, directions, approvals, demands, extensions or waivers under
or with respect to this Trust Agreement; provided, however, that the Indenture Trustee shall not be obligated to perform any of the obligations of the Issuer under this Trust Agreement. 

Section 5.10 Limited Recourse. 

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

  
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to, pay any fees, costs, indemnified amounts or expenses due pursuant to this Trust Agreement other than in accordance with the order of priorities set forth in Section 8.06 of the
Indenture. Any amount which the Issuer does not pay pursuant to the operation of the preceding sentence shall not constitute a claim (as defined in §101 of the United States Bankruptcy Reform Act of 1978 (11 U.S.C. §101, et seq.), as
amended from time to time) against or obligation of the Issuer for any such insufficiency unless and until funds are available for the payment of such amounts as aforesaid. 

(b) The parties hereto agree that the provisions of this Section 5.10 shall survive the resignation or removal of any such party to this
Trust Agreement and the termination of this Trust Agreement. 
 Section 5.11 No Petition. (a) To the fullest extent
permitted by law and notwithstanding any prior termination of this Trust Agreement, the Issuer Loan Trustee agrees that it shall not file, commence, join or acquiesce in a petition or proceeding, or cause the Issuer to file, commence, join or
acquiesce in a petition or proceeding, that causes (i) the Issuer to be a debtor under any Debtor Relief Law or (ii) a trustee, conservator, receiver, liquidator or similar official to be appointed for the Issuer or any substantial part of
its property. 
 (b) The parties hereto agree that the provisions of this Section 5.11 shall survive the resignation or removal of any
such party to this Trust Agreement and the termination of this Trust Agreement. 
 Section 5.12 Governing Law.
THIS TRUST AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED AND INTERPRETED
IN ACCORDANCE WITH THE INTERNAL LAWS OF THE STATE OF NEW YORK
WITHOUT REFERENCE TO ITS CONFLICT OF LAWS PROVISIONS (OTHER THAN SECTION 5-1401 OF THE GENERAL OBLIGATIONS LAW) AND THE OBLIGATIONS, RIGHTS
AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE
WITH SUCH LAWS. 
 EACH OF THE
PARTIES HERETO HEREBY SUBMITS TO THE NONEXCLUSIVE JURISDICTION OF THE UNITED
STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF NEW YORK AND OF
ANY NEW YORK STATE COURT SITTING IN THE COUNTY OF NEW YORK
FOR PURPOSES OF ALL LEGAL PROCEEDINGS ARISING OUT OF OR RELATING TO
THIS TRUST AGREEMENT, ANY OTHER TRANSACTION DOCUMENT OR THE TRANSACTIONS
CONTEMPLATED HEREBY OR THEREBY. EACH OF THE PARTIES HERETO HEREBY IRREVOCABLY
WAIVES, TO THE FULLEST EXTENT IT MAY EFFECTIVELY DO SO, ANY OBJECTION
WHICH IT MAY NOW OR HEREAFTER HAVE TO THE LAYING OF THE
VENUE OF ANY SUCH PROCEEDING BROUGHT IN SUCH A COURT AND ANY
CLAIM THAT ANY SUCH PROCEEDING BROUGHT IN SUCH A COURT HAS BEEN
BROUGHT IN AN INCONVENIENT FORUM. NOTHING IN THIS SECTION SHALL AFFECT
THE RIGHT OF ANY PARTY HERETO TO BRING ANY ACTION OR PROCEEDING
AGAINST ANY OTHER PARTY HERETO OR ANY OF THEIR PROPERTY IN THE
COURTS OF OTHER JURISDICTIONS. 
 EACH OF
THE PARTIES HERETO HEREBY WAIVES ANY RIGHT TO HAVE A JURY PARTICIPATE
IN RESOLVING ANY DISPUTE, WHETHER ARISING IN CONTRACT, TORT OR OTHERWISE,
AMONG ANY OF THEM ARISING OUT OF, CONNECTED WITH, RELATING TO AND
INCIDENT TO THE RELATIONSHIP BETWEEN THEM IN CONNECTION WITH THIS TRUST
AGREEMENT OR THE OTHER TRANSACTION DOCUMENTS. 

  
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 Section 5.13 Limitation of Liability. It is expressly understood and agreed by the
parties hereto that (i) this Trust Agreement is executed and delivered by Wilmington Trust, National Association, not individually or personally but solely as owner trustee (the “Owner Trustee”) of the Issuer, in the exercise
of the powers and authority conferred and vested in it, (ii) each of the representations, undertakings and agreements herein made on the part of the Issuer is made and intended not as personal representations, undertakings and agreements by the
Owner Trustee but made and intended for the purpose of binding only the Issuer, (iii) nothing herein contained shall be construed as creating any liability on the Owner Trustee, individually or personally, to perform any covenants, either
expressed or implied, contained herein, all personal liability, if any, being expressly waived by the parties hereto and by any person claiming by, through or under the parties hereto, (iv) the Owner Trustee has made no investigation as to the
accuracy or completeness of any representations and warranties made by the Issuer in this Agreement and (v) under no circumstances shall the Owner Trustee be personally liable for the payment of any indebtedness or expenses of the Issuer or be
liable for the breach or failure of any obligation, representation, warranty or covenant made or undertaken by the Issuer under this Trust Agreement or any other related document. 

[REMAINDER OF PAGE INTENTIONALLY LEFT BLANK] 

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

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

		
	By:		 /s/ Marianna C. Stershic

			Name: Marianna C. Stershic
			Title: Vice President
	
	 ONEMAIN FINANCIAL WAREHOUSE TRUST, as Issuer

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

			Name: Rosaline K. Maney
			Title: Administrative Vice President

  
 [Signature Page—Warehouse
Issuer Loan Trust Agreement]

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