<SEC-DOCUMENT>0001140361-25-008649.txt : 20250313
<SEC-HEADER>0001140361-25-008649.hdr.sgml : 20250313
<ACCEPTANCE-DATETIME>20250313165602
ACCESSION NUMBER:		0001140361-25-008649
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		17
CONFORMED PERIOD OF REPORT:	20250313
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20250313
DATE AS OF CHANGE:		20250313

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			OneMain Holdings, Inc.
		CENTRAL INDEX KEY:			0001584207
		STANDARD INDUSTRIAL CLASSIFICATION:	PERSONAL CREDIT INSTITUTIONS [6141]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				463348401
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-36129
		FILM NUMBER:		25736619

	BUSINESS ADDRESS:	
		STREET 1:		601 N.W. SECOND STREET
		CITY:			EVANSVILLE
		STATE:			IN
		ZIP:			47708
		BUSINESS PHONE:		(812) 424-8031

	MAIL ADDRESS:	
		STREET 1:		601 N.W. SECOND STREET
		CITY:			EVANSVILLE
		STATE:			IN
		ZIP:			47708

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Springleaf Holdings, Inc.
		DATE OF NAME CHANGE:	20131008

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Springleaf Holdings, LLC
		DATE OF NAME CHANGE:	20130809
</SEC-HEADER>
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<div><span style="font-size: 14pt;">UNITED STATES</span></div>
</div>

        <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>

        <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: bold;">Washington, D.C. 20549</div>

        <div><br/>
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        <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 18pt; font-weight: bold;">FORM <ix:nonNumeric name="dei:DocumentType" id="Fact_c8b27d7c5983499588d4a5d148c65773" contextRef="c20250313to20250313">8-K</ix:nonNumeric></div>

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        <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 18pt; font-weight: bold;">CURRENT REPORT</div>

        <div><br/>
        </div>

        <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: bold;">PURSUANT TO SECTION 13 OR 15(d) OF THE</div>

        <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: bold;">&#160;SECURITIES EXCHANGE ACT OF 1934</div>

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        <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">DATE OF REPORT (Date of earliest event
            reported): <span style="-sec-ix-hidden:Fact_a4c12f47aa8944faa556bf74c198223c">March 13, 2025</span></span> (March 13, 2025)</div>

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        <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(Exact name of registrant as specified in its charter)</div>

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        <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Not Applicable</div>

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        <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under
          any of the following provisions:</div>

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    <td style="width: 95%;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</td>

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    <td style="width: 95%;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</td>

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    <td style="width: 95%;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</td>

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    <td style="width: 95%;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</td>

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        <div><br/></div>

        <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Securities registered pursuant to Section 12(b) of the Act:</div>

        <div><br/>
        </div>

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                <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Title of each class</div>
              </td>

    <td style="width: 1%; vertical-align: top; padding-bottom: 2px;">&#160;</td>

    <td style="width: 28%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Trading Symbol</div>
              </td>

    <td style="width: 1%; vertical-align: top; padding-bottom: 2px;">&#160;</td>

    <td style="width: 35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Name of each exchange on which registered</div>
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                <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;"><ix:nonNumeric name="dei:Security12bTitle" id="Fact_df63273a7e78415993ac698905ac99df" contextRef="c20250313to20250313">Common Stock, par value $0.01 per share</ix:nonNumeric><br/>
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    <td style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 28%; vertical-align: top;">
                <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;"><ix:nonNumeric name="dei:TradingSymbol" id="Fact_3367ecbace0d4aaaacf154bd43fdd81a" contextRef="c20250313to20250313">OMF</ix:nonNumeric><br/>
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    <td style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 35%; vertical-align: top;">
                <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;"><span style="-sec-ix-hidden:Fact_de2f1722a2df4977b685fbb3d370cb86">New York Stock Exchange</span><br/>
                </div>
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        </div>

        <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405
          of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</div>

        <div><br/>
        </div>

        <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" id="Fact_bec161607f8e4d52bf019fca812c42fb" contextRef="c20250313to20250313" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></div>

        <div><br/>
        </div>

        <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for
          complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. <span style="font-size: 10pt; font-family: 'Segoe UI Symbol', sans-serif;">&#9744;</span></div>

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        <div style="text-align: left;">
          <hr style="border: none; border-bottom: 4px solid black; border-top: 1px solid black; height: 10px; color: #ffffff; background-color: #ffffff; text-align: center; margin-left: auto; margin-right: auto;"/></div>

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        <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Item 1.01.</span>&#160; &#160; &#160; &#160; &#160; <span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Entry into a Material Definitive Agreement</span>.</div>

        <div><br/>
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        <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">On March 13, 2025, OneMain Finance Corporation (&#8220;OMFC&#8221;), a direct subsidiary of OneMain Holdings, Inc. (&#8220;OMH,&#8221; &#8220;we,&#8221; &#8220;us&#8221; or &#8220;our&#8221;) issued
          $600.0 million aggregate principal amount of OMFC&#8217;s 6.750% Senior Notes due 2032 (the &#8220;Notes&#8221;) under an Indenture, dated as of December 3, 2014 (the &#8220;Base Indenture&#8221;), among OMFC, as issuer, OMH, as guarantor, and Wilmington Trust, National
          Association, as trustee, as amended and supplemented by a Twentieth Supplemental Indenture, dated as of March 13, 2025 (the &#8220;Supplemental Indenture&#8221; and, together with the Base Indenture, the &#8220;Indenture&#8221;), among OMFC, OMH and HSBC Bank USA,
          National Association, as series trustee (the &#8220;Trustee&#8221;), pursuant to which OMH provided a guarantee of the Notes. The Notes were offered and sold in an underwritten public offering made pursuant to a Prospectus Supplement, dated March 4, 2025, to
          the Prospectus, dated October 13, 2023, filed as part of OMFC&#8217;s and OMH&#8217;s joint Registration Statement on Form S&#8209;3 (Registration No. 333-274956) filed with the Securities and Exchange Commission (the &#8220;SEC&#8221;). The Notes are guaranteed on an
          unsecured basis by OMH.</div>

        <div><br/>
        </div>

        <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The Notes will mature on March 15, 2032 and bear interest at a rate of 6.750% per annum, payable semiannually in arrears on March 15 and
          September 15 of each year, beginning on September 15, 2025. The Notes are OMFC&#8217;s senior unsecured obligations and rank equally in right of payment to all of its other existing and future unsubordinated indebtedness from time to time outstanding.
          The Notes are guaranteed by OMH and will not be guaranteed by any of OMFC&#8217;s subsidiaries, including OneMain Financial Holdings, LLC, or any other party. The Notes are effectively subordinated to all of OMFC&#8217;s secured obligations to the extent of
          the value of the assets securing such obligations, structurally subordinated to all existing and future liabilities of our subsidiaries (other than OMFC), and rank senior in right of payment to all existing and future subordinated indebtedness of
          OMFC.</div>

        <div><br/>
        </div>

        <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The Notes may be redeemed, in whole or in part, at OMFC&#8217;s option, at any time or from time to time (i) prior to March 15, 2028, at a
          &#8220;make-whole&#8221; redemption price specified in the Indenture, and (ii) on and after March 15, 2028, at the applicable redemption price set forth below (expressed as a percentage of the principal amount of the Notes to be redeemed), if redeemed during
          the 12-month period beginning on March 15 of each of the years indicated below, in each case plus accrued and unpaid interest on such principal amount to, but not including, the applicable redemption date.</div>

        <div><br/>
        </div>

        <div><br/>
        </div>

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    <td style="width: 59.67%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Year</div>
              </td>

    <td style="width: 1%; vertical-align: bottom;">&#160;</td>

    <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Percentage</div>
              </td>

    <td style="width: 5%; vertical-align: bottom; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 59.67%; vertical-align: top; background-color: #CCEEFF;">
                <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2028</div>
              </td>

    <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 0%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 34%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
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                <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">%</div>
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  </tr>

  <tr>

    <td style="width: 59.67%; vertical-align: top;">
                <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2029</div>
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    <td style="width: 0%; vertical-align: bottom;">&#160;</td>

    <td style="width: 34%; vertical-align: bottom;">
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    <td style="width: 5%; vertical-align: bottom; white-space: nowrap;">
                <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">%</div>
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  </tr>

  <tr>

    <td style="width: 59.67%; vertical-align: top; background-color: #CCEEFF;">
                <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2030 and thereafter</div>
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    <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 0%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 34%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">100.0000</div>
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    <td style="width: 5%; vertical-align: bottom; background-color: rgb(204, 238, 255); white-space: nowrap;">
                <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">%</div>
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  </tr>


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        <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The Indenture contains covenants that, among other things, limit OMFC&#8217;s ability to create liens on assets and restrict OMFC&#8217;s ability to
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        <div><br/>
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        <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The foregoing description of the Indenture and the Notes does not purport to be complete and is qualified in its entirety by reference to
          the full text of the Base Indenture and Supplemental Indenture (and form of 6.750% Senior Notes due 2032 included therein as Exhibit A), copies of which are filed as Exhibits 4.1 and 4.2, respectively, to this Current Report on Form 8-K and are
          incorporated herein by reference. In connection with the issuance of the Notes, Jeffrey M. Gershon, Associate General Counsel of OMFC, and Skadden, Arps, Slate, Meagher &amp; Flom LLP provided OMFC with the legal opinions filed as Exhibits 5.1
          and 5.2, respectively, to this Current Report on Form 8-K, which are incorporated herein by reference.</div>

        <div><br/>
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        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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        <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Item 2.03.</span>&#160;<span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant</span>.</div>

        <div><br/>
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        <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The disclosure provided in Item 1.01 of this Current Report on Form 8&#8209;K is hereby incorporated by reference into this Item 2.03.</div>

        <div><br/>
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        <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Item 9.01.</span>&#160;<span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Financial Statements and Exhibits</span>.</div>

        <div><br/>
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        <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(d) Exhibits</div>

        <div><br/>
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    <td style="width: 9.65%; vertical-align: top; border-bottom: #000000 2px solid;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Exhibit Number</div>
              </td>

    <td style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 89%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Description</div>
              </td>

  </tr>

  <tr>

    <td style="width: 9.65%; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><a href="https://www.sec.gov/Archives/edgar/data/1584207/000110465914084710/a14-25563_1ex4d1.htm">4.1</a></div>
              </td>

    <td style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 89%; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Indenture relating to the Notes, dated as of December 3, 2014, among OneMain Finance Corporation, OneMain Holdings, Inc. and Wilmington Trust,
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              </td>

  </tr>

  <tr>

    <td style="width: 9.65%; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><a href="ny20044771x8_ex4-2.htm">*4.2</a></div>
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    <td style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 89%; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Twentieth Supplemental Indenture relating to the Notes, dated as of March 13, 2025, among OneMain Finance Corporation, OneMain Holdings, Inc. and
                  HSBC Bank USA, National Association, as series trustee (including the form of 6.750% Senior Notes due 2032 included therein as Exhibit A).</div>
              </td>

  </tr>

  <tr>

    <td style="width: 9.65%; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><a href="ny20044771x8_ex5-1.htm">*5.1</a></div>
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    <td style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 89%; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Opinion of Jeffrey M. Gershon.</div>
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  </tr>

  <tr>

    <td style="width: 9.65%; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><a href="ny20044771x8_ex5-2.htm">*5.2</a></div>
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    <td style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 89%; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Opinion of Skadden, Arps, Slate, Meagher &amp; Flom LLP.</div>
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  </tr>

  <tr>

    <td style="width: 9.65%; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><a href="ny20044771x8_ex5-1.htm">*23.1</a></div>
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    <td style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 89%; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Consent of Jeffrey M. Gershon (included as part of Exhibit 5.1 hereto).</div>
              </td>

  </tr>

  <tr>

    <td style="width: 9.65%; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><a href="ny20044771x8_ex5-2.htm">*23.2</a></div>
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    <td style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 89%; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Consent of Skadden, Arps, Slate, Meagher &amp; Flom LLP (included as part of Exhibit 5.2 hereto).</div>
              </td>

  </tr>

  <tr>

    <td style="width: 9.65%; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">104</div>
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    <td style="width: 1%; vertical-align: top;">&#160;</td>

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        <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">* Filed herewith.</div>

        <div><br/>
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        <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Signatures</div>

        <div><br/>
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        <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf
          by the undersigned hereunto duly authorized.</div>

        <div><br/>
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    <td colspan="2" style="vertical-align: top;">
                <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">ONEMAIN HOLDINGS, INC.</div>
              </td>

  </tr>

  <tr>

    <td style="width: 0.12%; vertical-align: top;">&#160;</td>

    <td style="width: 10%; vertical-align: top;">&#160;</td>

    <td style="width: 90%; vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 0.12%; vertical-align: top;">&#160;</td>

    <td style="width: 10%; vertical-align: top;">
                <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">By:</div>
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    <td style="width: 90%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">/s/ Jeannette E. Osterhout</div>
              </td>

  </tr>

  <tr>

    <td style="width: 0.12%; vertical-align: top;">&#160;</td>

    <td style="width: 10%; vertical-align: top;">
                <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Name:</div>
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    <td style="width: 90%; vertical-align: top;">
                <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Jeannette E. Osterhout</div>
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  </tr>

  <tr>

    <td style="width: 0.12%; vertical-align: top;">&#160;</td>

    <td style="width: 10%; vertical-align: top;">
                <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Title:</div>
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    <td style="width: 90%; vertical-align: top;">
                <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Executive Vice President and Chief Financial Officer</div>
              </td>

  </tr>


</table>
        <div><br/>
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        <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Date: March 13, 2025</div>

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<DOCUMENT>
<TYPE>EX-4.2
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<DESCRIPTION>EXHIBIT 4.2
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  <div style="text-align: right; font-size: 10pt;"><font style="font-weight: bold;">Exhibit 4.2</font><br>
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  <div style="text-align: center; font-size: 10pt; font-weight: bold;">ONEMAIN FINANCE CORPORATION,</div>
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  <div style="text-align: center; font-size: 10pt; font-weight: bold;"><a name="sty_hc_2"></a>ONEMAIN HOLDINGS, INC.,</div>
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  <div style="text-align: center; text-indent: 36pt; font-size: 10pt; font-weight: bold;"><a name="sty_hc_4"></a>TWENTIETH SUPPLEMENTAL INDENTURE</div>
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  <div style="text-align: center; font-size: 10pt; font-weight: bold;"><a name="sty_hc_6"></a>March 13, 2025</div>
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  <div style="text-align: center; font-size: 10pt; font-weight: bold;"><a name="sty_hc_7"></a>HSBC BANK USA, NATIONAL ASSOCIATION,</div>
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  <div style="text-align: center; font-size: 10pt;">ARTICLE&#160;1<br>
    DEFINITIONS</div>
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          <div>Section&#160;1.01.</div>
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        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Rules of Construction</div>
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        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right;">2</div>
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      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top;">
          <div>Section&#160;1.02.</div>
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        <td style="width: 83%; vertical-align: top;">
          <div>Definition of Terms</div>
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        <td style="width: 5%; vertical-align: top;">
          <div style="text-align: right;">2</div>
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      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
      </tr>
      <tr>
        <td style="vertical-align: top;" colspan="3">
          <div style="text-align: center;">ARTICLE&#160;2</div>
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      </tr>
      <tr>
        <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
          <div style="text-align: center;">TERMS AND CONDITIONS OF THE NOTES</div>
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      </tr>
      <tr>
        <td style="vertical-align: top;" colspan="3" rowspan="1">&#160;</td>
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      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
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        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Designation and Principal Amount</div>
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          <div style="text-align: right;">6</div>
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      </tr>
      <tr>
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          <div>Section&#160;2.02.</div>
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          <div style="text-align: right;">6</div>
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      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
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        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Original Issue of Notes; Further Issuances</div>
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          <div style="text-align: right;">6</div>
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          <div>Form; Denomination</div>
        </td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right;">7</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top;">
          <div>Section&#160;2.08.</div>
        </td>
        <td style="width: 83%; vertical-align: top;">
          <div>Depositary</div>
        </td>
        <td style="width: 5%; vertical-align: top;">
          <div style="text-align: right;">7</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
      </tr>
      <tr>
        <td style="vertical-align: top;" colspan="3">
          <div style="text-align: center;">ARTICLE&#160;3</div>
        </td>
      </tr>
      <tr>
        <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
          <div style="text-align: center;">REDEMPTION OF THE NOTES</div>
        </td>
      </tr>
      <tr>
        <td style="vertical-align: top;" colspan="3" rowspan="1">&#160;</td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Section&#160;3.01.</div>
        </td>
        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Optional Redemption</div>
        </td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right;">8</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top;">
          <div>Section&#160;3.02.</div>
        </td>
        <td style="width: 83%; vertical-align: top;">
          <div>Optional Redemption by the Company</div>
        </td>
        <td style="width: 5%; vertical-align: top;">
          <div style="text-align: right;">8</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Section&#160;3.03.</div>
        </td>
        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Notice of Redemption</div>
        </td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right;">8</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top;" rowspan="1">&#160;</td>
        <td style="width: 83%; vertical-align: top;" rowspan="1">&#160;</td>
        <td style="width: 5%; vertical-align: top;" rowspan="1">&#160;</td>
      </tr>
      <tr>
        <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
          <div style="text-align: center;">ARTICLE&#160;4</div>
        </td>
      </tr>
      <tr>
        <td style="vertical-align: top;" colspan="3">
          <div style="text-align: center;">COVENANTS</div>
        </td>
      </tr>
      <tr>
        <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3" rowspan="1">&#160;</td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top;">
          <div>Section&#160;4.01.</div>
        </td>
        <td style="width: 83%; vertical-align: top;">
          <div>Covenants</div>
        </td>
        <td style="width: 5%; vertical-align: top;">
          <div style="text-align: right;">9</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
      </tr>
      <tr>
        <td style="vertical-align: top;" colspan="3">
          <div style="text-align: center;">ARTICLE&#160;5</div>
        </td>
      </tr>
      <tr>
        <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
          <div style="text-align: center;">NO SINKING FUNDS</div>
        </td>
      </tr>
      <tr>
        <td style="vertical-align: top;" colspan="3" rowspan="1">&#160;</td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Section&#160;5.01.</div>
        </td>
        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>No Sinking Funds</div>
        </td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right;">15</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top;" rowspan="1">&#160;</td>
        <td style="width: 83%; vertical-align: top;" rowspan="1">&#160;</td>
        <td style="width: 5%; vertical-align: top;" rowspan="1">&#160;</td>
      </tr>
      <tr>
        <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
          <div style="text-align: center;">ARTICLE&#160;6</div>
        </td>
      </tr>
      <tr>
        <td style="vertical-align: top;" colspan="3">
          <div style="text-align: center;">EVENTS OF DEFAULT</div>
        </td>
      </tr>
      <tr>
        <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3" rowspan="1">&#160;</td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top;">
          <div>Section&#160;6.01.</div>
        </td>
        <td style="width: 83%; vertical-align: top;">
          <div>Events of Default</div>
        </td>
        <td style="width: 5%; vertical-align: top;">
          <div style="text-align: right;">15</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
      </tr>
      <tr>
        <td style="vertical-align: top;" colspan="3">
          <div style="text-align: center;">ARTICLE&#160;7</div>
        </td>
      </tr>
      <tr>
        <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
          <div style="text-align: center;">CONCERNING THE TRUSTEE</div>
        </td>
      </tr>
      <tr>
        <td style="vertical-align: top;" colspan="3" rowspan="1">&#160;</td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Section&#160;7.01.</div>
        </td>
        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Series Trustee Designation</div>
        </td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right;">17</div>
        </td>
      </tr>

  </table>
  <div style="font-size: 10pt;"><br>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">i</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <table cellspacing="0" cellpadding="0" id="ze41f89437019476cbdffb93c89f333dd" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">

      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Section&#160;7.02.</div>
        </td>
        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Rights of the Series Trustee</div>
        </td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right;">17</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top;" rowspan="1">&#160;</td>
        <td style="width: 83%; vertical-align: top;" rowspan="1">&#160;</td>
        <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
      </tr>
      <tr>
        <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
          <div style="text-align: center;">ARTICLE&#160;8</div>
        </td>
      </tr>
      <tr>
        <td style="vertical-align: top;" colspan="3">
          <div style="text-align: center;">DEFEASANCE; SATISFACTION AND DISCHARGE</div>
        </td>
      </tr>
      <tr>
        <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3" rowspan="1">&#160;</td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top;">
          <div>Section&#160;8.01.</div>
        </td>
        <td style="width: 83%; vertical-align: top;">
          <div>Defeasance</div>
        </td>
        <td style="width: 5%; vertical-align: top;">
          <div style="text-align: right;">17</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Section&#160;8.02.</div>
        </td>
        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Conditions to Legal or Covenant Defeasance</div>
        </td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right;">17</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top;">
          <div>Section&#160;8.03.</div>
        </td>
        <td style="width: 83%; vertical-align: top;">
          <div>Satisfaction and Discharge</div>
        </td>
        <td style="width: 5%; vertical-align: top;">
          <div style="text-align: right;">18</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255); text-align: right;" rowspan="1">&#160;</td>
      </tr>
      <tr>
        <td style="vertical-align: top;" colspan="3">
          <div style="text-align: center;">ARTICLE&#160;9</div>
        </td>
      </tr>
      <tr>
        <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
          <div style="text-align: center;">MODIFICATION AND WAIVER</div>
        </td>
      </tr>
      <tr>
        <td style="vertical-align: top;" colspan="3" rowspan="1">&#160;</td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Section&#160;9.01.</div>
        </td>
        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Modification and Waiver</div>
        </td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right;">18</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top;" rowspan="1">&#160;</td>
        <td style="width: 83%; vertical-align: top;" rowspan="1">&#160;</td>
        <td style="width: 5%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
      </tr>
      <tr>
        <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
          <div style="text-align: center;">ARTICLE&#160;10</div>
        </td>
      </tr>
      <tr>
        <td style="vertical-align: top;" colspan="3">
          <div style="text-align: center;">GUARANTEES</div>
        </td>
      </tr>
      <tr>
        <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3" rowspan="1">&#160;</td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top;">
          <div>Section&#160;10.01.</div>
        </td>
        <td style="width: 83%; vertical-align: top;">
          <div>Guarantees</div>
        </td>
        <td style="width: 5%; vertical-align: top;">
          <div style="text-align: right;">19</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255); text-align: right;" rowspan="1">&#160;</td>
      </tr>
      <tr>
        <td style="vertical-align: top;" colspan="3">
          <div style="text-align: center;">ARTICLE&#160;11</div>
        </td>
      </tr>
      <tr>
        <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
          <div style="text-align: center;">MISCELLANEOUS</div>
        </td>
      </tr>
      <tr>
        <td style="vertical-align: top;" colspan="3" rowspan="1">&#160;</td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Section&#160;11.01.</div>
        </td>
        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Section Provisions of Base Indenture Not Applicable</div>
        </td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right;">19</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top;">
          <div>Section&#160;11.02.</div>
        </td>
        <td style="width: 83%; vertical-align: top;">
          <div>Ratification of Indenture</div>
        </td>
        <td style="width: 5%; vertical-align: top;">
          <div style="text-align: right;">19</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Section&#160;11.03.</div>
        </td>
        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Effects of Headings and Table of Contents</div>
        </td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right;">19</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top;">
          <div style="font-weight: bold;">Section&#160;11.04.</div>
        </td>
        <td style="width: 83%; vertical-align: top;">
          <div style="font-weight: bold;">GOVERNING LAW; WAIVER OF TRIAL BY JURY</div>
        </td>
        <td style="width: 5%; vertical-align: top;">
          <div style="text-align: right;">20</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Section&#160;11.05.</div>
        </td>
        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Counterparts; Originals</div>
        </td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right;">20</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top;">
          <div>Section&#160;11.06.</div>
        </td>
        <td style="width: 83%; vertical-align: top;">
          <div>Force Majeure</div>
        </td>
        <td style="width: 5%; vertical-align: top;">
          <div style="text-align: right;">20</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Section&#160;11.07.</div>
        </td>
        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>U.S.A. Patriot Act</div>
        </td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right;">21</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top;">
          <div>Section&#160;11.08.</div>
        </td>
        <td style="width: 83%; vertical-align: top;">
          <div>Sanctions</div>
        </td>
        <td style="width: 5%; vertical-align: top;">
          <div style="text-align: right;">21</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Section&#160;11.09.</div>
        </td>
        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Notices to the Company and Trustee</div>
        </td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right;">21</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top;">
          <div>Section&#160;11.10.</div>
        </td>
        <td style="width: 83%; vertical-align: top;">
          <div>Notices to Holders of Notes; Waiver</div>
        </td>
        <td style="width: 5%; vertical-align: top;">
          <div style="text-align: right;">21</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Section&#160;11.11.</div>
        </td>
        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Successors and Assigns</div>
        </td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right;">22</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top;">
          <div>Section&#160;11.12.</div>
        </td>
        <td style="width: 83%; vertical-align: top;">
          <div>Separability Clause</div>
        </td>
        <td style="width: 5%; vertical-align: top;">
          <div style="text-align: right;">22</div>
        </td>
      </tr>
      <tr>
        <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Section&#160;11.13.</div>
        </td>
        <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div>Benefits of Supplemental Indenture</div>
        </td>
        <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right;">22</div>
        </td>
      </tr>

  </table>
  <div style="font-size: 10pt;"><br>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">ii</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">TWENTIETH SUPPLEMENTAL INDENTURE, dated as of March 13, 2025 (this &#8220;<font style="font-weight: bold;">Supplemental Indenture</font>&#8221;), among OneMain Finance Corporation, an Indiana
    corporation (the &#8220;<font style="font-weight: bold;">Company</font>&#8221;), OneMain Holdings, Inc., a Delaware corporation (&#8220;<font style="font-weight: bold;">OMH</font>&#8221;), as a Guarantor, and HSBC Bank USA, National Association, a national banking
    association, as Series Trustee (in such capacity, and solely with respect to the Designated Series of Securities provided for herein, the &#8220;<font style="font-weight: bold;">Trustee</font>&#8221;).</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">WHEREAS, the Company is party to a base Indenture, dated as of December 3, 2014, among the Company, OMH, as a Guarantor, and Wilmington Trust, National Association, a national banking
    association, as trustee (the &#8220;<font style="font-weight: bold;">Original Trustee</font>&#8221;) (as amended, supplemented or otherwise modified from time to time, including by the Fourteenth Supplemental Indenture (as defined below), the &#8220;<font style="font-weight: bold;">Base Indenture</font>&#8221; and, together with this Supplemental Indenture, the &#8220;<font style="font-weight: bold;">Indenture</font>&#8221;), providing for, among other things, the future issuance of the Company&#8217;s Securities to be
    issued from time to time in one or more series as might be determined by the Company under the Base Indenture, in an unlimited aggregate principal amount which may be authenticated and delivered as provided in the Base Indenture;</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">WHEREAS, the Company is party to a Fourteenth Supplemental Indenture, dated as of June 20, 2023, among the Company, OMH, as a Guarantor, the Original Trustee and the Trustee (the &#8220;<font style="font-weight: bold;">Fourteenth Supplemental Indenture</font>&#8221;), permitting the Company to designate and appoint the Trustee to serve as Series Trustee under the Base Indenture with respect to any one or more series of Securities that may be
    issued from time to time after the date of the Fourteenth Supplemental Indenture;</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">WHEREAS, Section 15.01 of the Base Indenture provides for various matters with respect to any series of Securities issued under the Base Indenture to be established in an indenture
    supplemental to the Base Indenture, including the form or terms of Securities of any series as provided by Sections 2.01 and 3.01 of the Base Indenture;</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">WHEREAS, the Board of Directors has duly adopted resolutions authorizing the Company to execute and deliver this Supplemental Indenture;</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">WHEREAS, the Company desires to provide for the establishment of a new series of its Securities to be known as its 6.750% Senior Notes due 2032 (the &#8220;<font style="font-weight: bold;">Initial

      Notes</font>&#8221;), the form and substance of such Notes and the terms, provisions and conditions thereof to be set forth as provided in the Base Indenture and this Supplemental Indenture;</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">WHEREAS, the Company desires to designate and appoint HSBC Bank USA, National Association, to serve as Trustee under the Indenture with respect to the Notes, with the effect of causing
    the Notes to constitute a Designated Series (as defined in the Fourteenth Supplemental Indenture) for all purposes of the Indenture;</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">WHEREAS, the Company now wishes to issue Notes in an initial aggregate principal amount of $600,000,000; and</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <!--PROfilePageNumberReset%Num%2%%%-->
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">WHEREAS, the Company hereby directs the Trustee to execute and deliver this Supplemental Indenture; all requirements necessary to make (i) this Supplemental Indenture a valid
    instrument in accordance with its terms and (ii) the Notes, when executed by the Company and authenticated and delivered by the Trustee, the valid obligations of the Company, have been performed; and the execution and delivery of this Supplemental
    Indenture has been duly authorized in all respects;</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">NOW THEREFORE, in consideration of the purchase and acceptance of the Notes by the Holders thereof, and for the purpose of setting forth, as provided in the Base Indenture, the form
    and substance of the Notes and the terms, provisions and conditions thereof, the Company covenants and agrees with the Trustee as follows:</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: center;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">ARTICLE&#160;1</font><font style="font-size: 10pt;"><font style="color: rgb(0, 0, 0);"><a name="z_Toc138329036"></a><br>
        DEFINITIONS</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt;"><font style="font-size: 10pt;">Section&#160;1.01.&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Rules of Construction</u></font>. Unless the context otherwise requires:</font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">a term has the meaning assigned to it;</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">an accounting term not otherwise defined has the meaning assigned to it in
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  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">&#8220;or&#8221; is not exclusive;</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">words in the singular include the plural, and in the plural include the singular;</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">the words &#8220;herein,&#8221; &#8220;hereof&#8221; and &#8220;hereunder&#8221; and other words of similar import refer
        to the Indenture as a whole and not to any particular Article, Section or other subdivision;</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(f)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">all references to Sections or Articles or Exhibits refer to Sections or Articles or
        Exhibits of or to the Indenture unless otherwise indicated;</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(g)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">&#8220;including&#8221; means including without limitation;</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(h)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">&#8220;will&#8221; shall be interpreted to express a command; and</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(i)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">provisions apply to successive events and transactions; and references to sections
        of or rules under the Securities Act, the Exchange Act and the TIA shall be deemed to include substitute, replacement and successor sections or rules adopted by the SEC from time to time.</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt;"><font style="font-size: 10pt;">Section&#160;1.02.&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Definition of Terms</u></font>. Unless the context otherwise requires:</font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">a term defined in the Indenture has the same meaning when used
        in this Supplemental Indenture unless the definition of such term is amended and supplemented pursuant to this Supplemental Indenture, in which case the definition in this Supplemental Indenture shall govern solely with respect to the Notes;</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">a term defined anywhere in this Supplemental Indenture has the same meaning
        throughout;</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">the singular includes the plural and vice versa;</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">2</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-indent: 36pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">a reference to a Section or Article is to a Section or Article in this Supplemental
        Indenture;</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">headings are for convenience of reference only and do not affect interpretation; and</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(f)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">the following terms have the meanings given to them in this Section 1.02(f):</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="font-size: 10pt; text-indent: 36pt;">&#8220;<font style="font-weight: bold;">Additional Notes</font>&#8221; has the meaning set forth in Section 2.03(b).</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Applicable Premium</font>&#8221; means, with respect to any Note on any Redemption Date, the greater of:</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">1.0% of the principal amount of the Note; and</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">the excess, if any, as determined by the Company, of:</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <table cellspacing="0" cellpadding="0" id="z799d27ecf8724d5b9cd4905fc3a7922d" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: rgb(0, 0, 0);">

      <tr>
        <td style="width: 72pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">i.</td>
        <td style="width: auto; vertical-align: top;">
          <div>the present value at such Redemption Date of (x) the Redemption Price of the Note at March 15, 2028 (such Redemption Price being set forth in the table appearing under Section 3.02), plus (y) all required interest payments due on the Note
            through March 15, 2028 (excluding accrued but unpaid interest to the Redemption Date), discounted to the Redemption Date on a semi-annual basis using a discount rate equal to the Treasury Rate as of such Redemption Date plus 50 basis points;
            over</div>
        </td>
      </tr>

  </table>
  <div style="font-size: 10pt;">&#160;</div>
  <table cellspacing="0" cellpadding="0" id="z2c55088945714deca90a0d4d7de38e5b" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: rgb(0, 0, 0);">

      <tr>
        <td style="width: 72pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">ii.</td>
        <td style="width: auto; vertical-align: top;">
          <div>the principal amount of the Note.</div>
        </td>
      </tr>

  </table>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt; font-size: 10pt;">The Company shall calculate the Applicable Premium and the Trustee shall have no responsibility to verify such amount.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Applicable Procedures</font>&#8221; means, with respect to any transfer, exchange, payment, redemption offer, or communication delivered of or for
    beneficial interests in any Global Note, the rules and procedures of the Depositary that apply to such transfer, exchange, payment, redemption offer, or communication delivered.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Base Indenture</font>&#8221; has the meaning set forth in the preamble hereto.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Board of Directors</font>&#8221; of any Person means the Board of Directors of such Person, or comparable governing body, or any committee thereof duly
    authorized to act on behalf of such Board of Directors.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Business Day</font>&#8221; means any day other than a Saturday, a Sunday or a day on which banking institutions in The City of New York, in the city where
    the Corporate Trust Office is located, or at a place of payment are authorized by law, regulation or executive order to remain closed. If a payment date is not a Business Day at a place of payment, payment may be made at that place on the next
    succeeding day that is a Business Day, and no interest shall accrue for the intervening period.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">3</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Consolidated Net Tangible Assets</font>&#8221; means the total amount of assets (less depreciation and valuation reserves and other reserves and items
    deductible from the gross book value of specific asset amounts under generally accepted accounting principles) which under generally accepted accounting principles would be included on a balance sheet of the Company and its Subsidiaries, after
    deducting therefrom (i) all liability items except indebtedness (whether incurred, assumed or guaranteed) for borrowed money maturing by its terms more than one year from the date of creation thereof or which is extendible or renewable at the sole
    option of the obligor in such manner that it may become payable more than one year from the date of creation thereof, shareholder&#8217;s equity and reserves for deferred income taxes and (ii) all goodwill, trade names, trademarks, patents, unamortized debt
    discount and expense and other like intangibles, which in each case would be so included on such balance sheet.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Company</font>&#8221; has the meaning set forth in the preamble hereto.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Default</font>&#8221; means any event which is, or after notice or passage of time or both would be, an Event of Default.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Government Obligations</font>,&#8221; with respect to any Note, means (i) direct obligations of the United States of America where the timely payment or
    payments thereunder are supported by the full faith and credit of the United States of America or (ii) obligations of a Person controlled or supervised by and acting as an agency or instrumentality of the United States of America where the timely
    payment or payments thereunder are unconditionally guaranteed as a full faith and credit obligation by the United States of America, and which, in the case of (i) or (ii), are not callable or redeemable at the option of the issuer or issuers thereof,
    and shall also include a depository receipt issued by a bank or trust company as custodian with respect to any such Government Obligation or a specific payment of interest on or principal of or other amount with respect to any such Government
    Obligation held by such custodian for the account of the holder of a depository receipt; provided, however that (except as required by law) such custodian is not authorized to make any deduction from the amount payable to the holder of such depository
    receipt from any amount received by the custodian in respect of the Government Obligation or the specific payment of interest on or principal of or other amount with respect to the Government Obligation evidenced by such depository receipt.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Indebtedness</font>&#8221; means all obligations which in accordance with generally accepted accounting principles would be classified upon a balance sheet
    as liabilities, including, without limitation, by the enumeration thereof, obligations arising through direct or indirect guarantees (including agreements, contingent or otherwise, to purchase Indebtedness or to purchase property or services for the
    primary purpose of enabling the payment of Indebtedness or assuring the owner of Indebtedness against loss) or through agreements, contingent or otherwise, to supply or advance funds for the payment or purchase of Indebtedness of others; provided,
    however, that in determining Indebtedness of any Person, there shall not be included rental obligations under any lease of such Person, whether or not such rental obligations would, under generally accepted accounting principles, be required to be
    shown on the balance sheet of such Person as a liability item.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Initial Notes</font>&#8221; has the meaning assigned to it in the preamble to this Supplemental Indenture.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">4</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Issue Date</font>&#8221; means March 13, 2025, the date of original issuance of Notes.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Maturity</font>,&#8221; when used with respect to any Note, means the date on which the principal of such Note becomes due and payable as provided in the
    Notes and the Indenture, whether at the Stated Maturity or by declaration of acceleration, notice of redemption, notice of option to elect repayment or otherwise, and includes any Redemption Date.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Mortgage</font>&#8221; means any mortgage, pledge, lien, security interest, conditional sale or other title retention agreement or other similar
    encumbrance.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Notes</font>&#8221; means the Initial Notes and more particularly means any Note authenticated and delivered under the Indenture. The Initial Notes and the
    Additional Notes shall be treated as a single class for all purposes under the Indenture and will vote on all matters as one class, and unless the context otherwise requires, all references to the Notes shall include the Initial Notes and any
    Additional Notes.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Person</font>&#8221; means any individual, corporation, limited liability company, partnership, joint venture, joint-stock company, trust, unincorporated
    organization or government or any agency or political subdivision thereof.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Redemption Date</font>&#8221; means, with respect to any Note to be redeemed, the date fixed for such redemption by or pursuant to the Indenture.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Redemption Price</font>&#8221; means the amount payable for the redemption of any Note on a Redemption Date, exclusive of accrued and unpaid interest
    thereon to the Redemption Date.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Stated Maturity</font>,&#8221; when used with respect to any Note or any installment of principal thereof or any premium or interest thereon, means the
    fixed date on which the principal of such Note or such installment of principal or premium or interest is due and payable.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Subsidiary</font>&#8221; means any corporation of which at the time of determination the Company and/or one or more Subsidiaries owns or controls directly
    or indirectly more than 50% of the total voting power of shares of stock or other equity interests having general voting power under ordinary circumstances (without regard to the occurrence of any contingency) and entitled to vote in the election of
    directors, managers or trustees of such corporation.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Supplemental Indenture</font>&#8221; has the meaning set forth in the preamble hereto.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Treasury Rate</font>&#8221; means, as of any Redemption Date, the yield to maturity as of such Redemption Date of United States Treasury securities with a
    constant maturity (as compiled and published in the most recent Federal Reserve Statistical Release H.15 (519) that has become publicly available at least two business days prior to the Redemption Date (or, if such Statistical Release is no longer
    published, any publicly available source of similar market data)) most nearly equal to the period from the Redemption Date to March 15, 2028; provided, however, that if the period from the Redemption Date to March 15, 2028 of such Notes is less than
    one year, the weekly average yield on actively traded United States Treasury securities adjusted to a constant maturity of one year will be used.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">5</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Trustee</font>&#8221; has the meaning set forth in the preamble hereto.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Wholly-owned</font>,&#8221; when used with reference to a Subsidiary, means a Subsidiary of which all of the outstanding capital stock (except directors&#8217;
    qualifying shares) is owned by the Company and/or one or more wholly-owned Subsidiaries.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: center;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">ARTICLE&#160;2</font><font style="font-size: 10pt;"><font style="color: rgb(0, 0, 0);"><a name="z_Toc138329039"></a><br>
        TERMS AND CONDITIONS OF THE NOTES</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt;">Section&#160;2.01.&#160;&#160;&#160;&#160;&#160;&#160; <u></u><font style="color: rgb(0, 0, 0);"><u>Designation and Principal Amount</u></font>. There is hereby authorized a Designated Series of
      Securities designated the &#8220;6.750% Senior Notes due 2032&#8221; initially offered in the aggregate principal amount of $600,000,000, which amount shall be as set forth in a Company Order for the authentication and delivery of such Notes pursuant to Section
      3.03 of the Base Indenture. The aggregate principal amount of Notes that may be authenticated and delivered under the Indenture is unlimited. Upon the execution of this Supplemental Indenture, or from time to time thereafter, Notes may be executed by
      the Company and delivered to the Trustee for authentication, and the Trustee shall thereupon authenticate and deliver Notes upon receipt of a Company Order, such order signed by an Officer of the Company, without any further action by the Company
      hereunder. The Trustee shall authenticate Additional Notes from time to time for original issue in aggregate principal amounts specified by the Company upon delivery by the Company of such Additional Notes together with a Company Order for the
      authentication and delivery of such Additional Notes.</font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt;">Section&#160;2.02.&#160;&#160;&#160;&#160;&#160;&#160; <a name="z_Toc138329041"></a><font style="color: rgb(0, 0, 0);"><u>Execution, Authentication, Delivery and Dating</u></font>. With respect to the
      Notes, Section 3.03(a) of the Base Indenture shall be replaced in its entirety as follows: &#8220;The Securities shall be executed in the name and on behalf of the Company by the manual, electronic or facsimile signature of its Chairman of the Board of
      Directors, its Chief Executive Officer, its Chief Financial Officer, its Chief Accounting Officer, its President, one of its Executive Vice Presidents, Senior Vice Presidents or Vice Presidents, its Controller or its Treasurer. If the Person whose
      signature is on a Security no longer holds that office at the time the Security is authenticated and delivered, the Security shall nevertheless be valid.&#8221;</font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt;"><font style="font-size: 10pt;">Section&#160;2.03.&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Original Issue of Notes; Further Issuances</u></font>.</font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">Notes having an aggregate principal amount of $600,000,000 may,
        upon execution of this Supplemental Indenture, be executed by the Company and delivered to the Trustee for authentication, and the Trustee shall thereupon authenticate and deliver said Notes upon receipt of a Company Order, without any further
        action by the Company, except as otherwise required by the Indenture. The terms and provisions contained in the Notes shall constitute, and are hereby expressly made, a part of the Indenture and the Company, OMH and the Trustee, by their execution
        and delivery of the Indenture, expressly agree to such terms and provisions and to be bound thereby. Each Holder of (and Holder of beneficial interests in) any Note, by benefiting from such Note, agrees to be bound by the terms and conditions of
        the Indenture. To the extent any provision of any Note conflicts with the express provisions of the Indenture, the provisions of the Indenture shall govern and be controlling.</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">6</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">The Company may, without notice to or the consent of the
        Holders of the Notes, issue additional Notes having identical terms and conditions as the Initial Notes, other than with respect to the date of issuance, issue price and first Interest Payment Date, in an unlimited aggregate principal amount (the &#8220;<font style="font-weight: bold;">Additional Notes</font>&#8221;). Any such Additional Notes will be part of the same series as the Initial Notes and will be treated as one class with such Initial Notes, including, without limitation, for purposes of voting
        and redemptions; provided, that if any such Additional Notes are not fungible with the Initial Notes for U.S. federal income tax purposes, such Additional Notes shall have a separate CUSIP number.</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="font-size: 10pt; text-indent: 36pt;">Section&#160;2.04.&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Maturity</u></font>. The Notes will mature on March 15, 2032.</div>
  <div style="font-size: 10pt;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt;">Section&#160;2.05.&#160;&#160;&#160;&#160;&#160;&#160; <a name="z_Toc138329044"></a><font style="color: rgb(0, 0, 0);"><u>Interest</u></font>. The Notes will bear interest at the rate of 6.750% per annum
      from the most recent Interest Payment Date to which interest has been paid or duly provided for or, if no interest has been paid, from the Issue Date until the principal thereof becomes due and payable, payable semi-annually in arrears on March 15
      and September 15 of each year (each, an &#8220;<font style="font-weight: bold;">Interest Payment Date</font>&#8221;), commencing on September 15, 2025, to the Person in whose name such Note or any Predecessor Security is registered, at the close of business on
      the Record Date for such interest installment, which shall be the close of business on the March 1 or September 1 (whether or not a Business Day), as the case may be, immediately preceding such Interest Payment Date, and at the foregoing respective
      rates on overdue principal.</font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt;">Section&#160;2.06.&#160;&#160;&#160;&#160;&#160;&#160; <a name="z_Toc138329045"></a><font style="color: rgb(0, 0, 0);"><u>Place of Payment</u></font>. The Place of Payment where Notes may be presented or
      surrendered for payment, where Notes may be surrendered for registration of transfer or exchange initially is the Corporate Trust Office of the Trustee.</font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt;">Section&#160;2.07.&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Form; Denomination</u></font>.</font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="color: rgb(0, 0, 0);">The Notes and the Trustee&#8217;s Certificate of Authentication to
        be endorsed thereon are to be substantially in the form of Exhibit A hereto.</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">The Notes shall be issued initially in the form of one or more
        permanent Global Notes in registered form, without coupons, substantially in the form herein below recited and attached as Exhibit A hereto (each, a &#8220;<font style="font-weight: bold;">Global Note</font>&#8221; and collectively, the &#8220;<font style="font-weight: bold;">Global Notes</font>&#8221;), deposited with the Trustee, as custodian for the Depositary, duly executed by the Company and authenticated by the Trustee as herein provided.</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">The aggregate principal amount of each Global Note may from time to time be increased or decreased by adjustments made on the records of the Trustee, as custodian for the Depositary or
    its nominee, as provided in Section 3.03 of the Base Indenture.</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">The Notes shall be issuable only in registered form, without
        coupons, in minimum denominations of $2,000 and integral multiples of $1,000 in excess thereof. The Notes shall be numbered, lettered, or otherwise distinguished in such manner or in accordance with such plans as the officers of the Company
        executing the same may determine.</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt;">Section&#160;2.08.&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Depositary</u></font>. The Depository Trust Company shall be the initial Depositary, until a successor shall
      have been appointed and become such pursuant to the applicable provisions of this Supplemental Indenture, and thereafter, &#8220;<font style="font-weight: bold;">Depositary</font>&#8221; shall mean or include such successor.</font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">7</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-align: center;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">ARTICLE&#160;3</font><font style="font-size: 10pt;"><font style="color: rgb(0, 0, 0);"><a name="z_Toc138329048"></a><br>
        REDEMPTION OF THE NOTES</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; font-size: 10pt; text-indent: 36pt;">Section&#160;3.01.&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Optional Redemption</u></font>.</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">The Notes may be redeemed, in whole or in part, at the option of the Company pursuant to Section 3.02 hereof. Other than as specifically provided in this Article 3, any redemption
    pursuant to this Article 3 will be made pursuant to the provisions of Article IV of the Base Indenture.</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt;">Section&#160;3.02.&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Optional Redemption by the Company</u></font>.</font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">Except as set forth in the next two succeeding paragraphs, the Notes are not subject to redemption prior to the Stated Maturity, and there is no sinking fund for the Notes.</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">On and after March 15, 2028, the Company may redeem, at its option, all or, from time to time, part of the Notes, upon not less than 10 nor more than 60 days&#8217; prior notice (with a copy
    to the Trustee), at the applicable Redemption Price set forth below (expressed as a percentage of the principal amount of Notes to be redeemed), plus accrued and unpaid interest on the Notes, if any, to, but excluding, the applicable Redemption Date
    (subject to the right of Holders of record on the relevant Record Date to receive interest due on the relevant Interest Payment Date), if redeemed during the 12-month period beginning on March 15 of each of the years indicated below:</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <table cellspacing="0" cellpadding="0" border="0" align="center" style="width: 80%; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-align: left;" id="zcb02a7235b4c43cd81c7e1bdf539f11c" class="cfttable">

      <tr>
        <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid black; width: 68%;">
          <div style="text-align: justify; font-weight: bold;">Year</div>
        </td>
        <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
        <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
          <div style="text-align: center; font-weight: bold;">Percentage</div>
        </td>
        <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1" class="cftfncell">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: top; width: 68%; background-color: rgb(204, 238, 255);">
          <div style="text-align: justify;">2028</div>
        </td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1" class="cftguttercell">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
          <div>103.3750</div>
        </td>
        <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1" class="cftfncell">
          <div>%</div>
        </td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: top; width: 68%;">
          <div style="text-align: justify;">2029</div>
        </td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
          <div>101.6875</div>
        </td>
        <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftfncell">
          <div>%</div>
        </td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: top; width: 68%; background-color: rgb(204, 238, 255);">
          <div style="text-align: justify;">2030 and thereafter</div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1" class="cftguttercell">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
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          <div>%</div>
        </td>
      </tr>

  </table>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">In addition, prior to March 15, 2028, the Company may redeem, at its option, all or, from time to time, part of the Notes, upon not less than 10 nor more than 60 days&#8217; prior notice
    (with a copy to the Trustee) at a Redemption Price equal to the sum of (i) 100% of the principal amount thereof, plus (ii) the Applicable Premium as of the Redemption Date, plus (iii) accrued and unpaid interest on the Notes, if any, to, but excluding,
    the Redemption Date (subject to the right of Holders of record on the relevant Record Date to receive interest due on the relevant Interest Payment Date).</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; font-size: 10pt; text-indent: 36pt;">Section&#160;3.03.&#160;&#160;&#160;&#160;&#160;&#160; <a name="z_Toc138329051"></a><font style="color: rgb(0, 0, 0);"><u>Notice of Redemption</u></font>.</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">In connection with any redemption of Notes described in this Article 3, at the Company&#8217;s request, the Trustee shall give the notice of redemption in the Company&#8217;s name and at the
    Company&#8217;s expense; provided that the Company shall have delivered to the Trustee, at least three Business Days before notice of redemption is required to be given or caused to be given to Holders pursuant to Section 4 of the Base Indenture, an
    Officer&#8217;s Certificate from the Company requesting that the Trustee give such notice and setting forth the information to be stated in such notice as provided in the Base Indenture.</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">8</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">Any such redemption and/or notice of redemption may, at the Company&#8217;s discretion, be subject to the satisfaction or waiver of one or more conditions precedent, including completion of
    an equity offering or other corporate transaction. In addition, if such redemption or notice is subject to the satisfaction or waiver of one or more conditions precedent, such notice shall state that, in the Company&#8217;s discretion, the redemption date
    may be delayed until such time as any or all such conditions shall be satisfied or waived, or such redemption may not occur and such notice may be rescinded in the event that any or all such conditions shall not have been satisfied or waived by the
    redemption date, or by the redemption date so delayed.</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: center;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">ARTICLE&#160;4</font><font style="font-size: 10pt;"><font style="color: rgb(0, 0, 0);"><a name="z_Toc138329052"></a><br>
        COVENANTS</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt;">Section&#160;4.01.&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Covenants</u></font>. With respect to the Notes, Article VI of the Base Indenture shall be replaced in its
      entirety with the following:</font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: center; font-size: 10pt;">ARTICLE VI<br>
    PARTICULAR COVENANTS OF THE COMPANY</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">The Company hereby covenants and agrees as follows:</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">Section 6.01.&#160;&#160;&#160;&#160;&#160;&#160; <u>Payments of Notes</u>.</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">The Company shall promptly pay or cause to be paid the principal or the Redemption Price of, and interest, if any, on, the Notes on the dates, in the amounts and in the manner provided
    in the Notes and in the Indenture. Principal or the Redemption Price and interest, if any, shall be considered paid on the date due if on such date the Trustee or the Paying Agent holds in accordance with the Indenture no later than <a name="z_Hlk138248972"></a>10:00 a.m., New York City time, money sufficient to pay all principal or Redemption Price and interest, if any, then due.</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">Interest on the Notes will accrue from the most recent date to which interest has been paid or, if no interest has been paid, from and including the Issue Date to but excluding the
    date of payment.</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">The Company shall pay interest (including post-petition interest in any proceeding under Bankruptcy Law) on overdue principal or the Redemption Price at the rate specified therefor in
    the Notes, and it shall pay interest (including post-petition interest in any proceeding under Bankruptcy Law) on overdue installments of interest at the same rate to the extent lawful.</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">Section 6.02.&#160;&#160;&#160;&#160;&#160;&#160; <u>Paying Agent</u>.</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">The Company will maintain in each Place of Payment for the
        Notes, if any, an office or agency where Notes may be presented or surrendered for payment, where Notes may be surrendered for registration of transfer or exchange (the &#8220;<font style="font-weight: bold;">Paying Agent</font>&#8221;). The Company will give
        prompt written notice to the Trustee of the location, and any change in the location, of such office or agency. If at any time the Company shall fail to maintain any such required office or agency or shall fail to furnish the Trustee with the
        address thereof, such presentations and surrenders may be made at the Corporate Trust Office of the Trustee, and the Company hereby appoints the Trustee as Paying Agent to receive all presentations and surrenders.</font></font></div>
  <div style="font-size: 10pt;">&#160;</div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">9</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">The Company may also from time to time designate different or
        additional offices or agencies where the Notes may be presented or surrendered for any or all such purposes (in or outside of such Place of Payment), and may from time to time rescind any such designations; <u>provided</u>, <u>however</u>, that
        no such designation or rescission shall in any manner relieve the Company of its obligations described in the preceding paragraph. The Company will give prompt written notice to the Trustee of any such additional designation or rescission of
        designation and of any change in the location of any such different or additional office or agency. The Company shall enter into an appropriate agency agreement with any Paying Agent not a party to the Indenture. The agreement shall implement the
        provisions of the Indenture that relate to such agent. The Company shall notify the Trustee of the name and address of each such agent. The Company or any Affiliate thereof may act as Paying Agent.</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; font-size: 10pt; text-indent: 36pt;">Section 6.03.&#160;&#160;&#160;&#160;&#160;&#160; <u>To Hold Payment in Trust</u>.</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">If the Company or an Affiliate thereof shall at any time act as
        Paying Agent with respect to any Notes, then, on or before the date on which the principal of and premium, if any, or interest on the Notes by their terms or as a result of the calling thereof for redemption shall become payable, the Company or
        such Affiliate will segregate and hold in trust for the benefit of the Holders of the Notes or the Trustee a sum sufficient to pay such principal and premium, if any, or interest which shall have so become payable until such sums shall be paid to
        such Holders or otherwise disposed of as herein provided, and will notify the Trustee of its action or failure to act in that regard. Upon any proceeding under any federal bankruptcy laws with respect to the Company or any Affiliate thereof, if the
        Company or such Affiliate is then acting as Paying Agent, the Trustee shall replace the Company or such Affiliate as Paying Agent.</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">If the Company shall appoint, and at the time have, a Paying
        Agent for the payment of the principal of and premium, if any, or interest any the Notes, then prior to 10:00&#160;a.m., New York City time, on the date on which the principal of and premium, if any, or interest on the Notes shall become payable as
        aforesaid, whether by their terms or as a result of the calling thereof for redemption, the Company will deposit with such Paying Agent a sum sufficient to pay such principal and premium, if any, or interest so becoming due, such sum to be held in
        trust for the benefit of the Holders entitled to such principal, premium, if any, or interest, and (unless such Paying Agent is the Trustee), the Company or any other obligor of the Notes will promptly notify the Trustee of such action or any
        failure to so act.</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">If the Paying Agent shall be other than the Trustee, the
        Company will cause such Paying Agent to execute and deliver to the Trustee an instrument in which such Paying Agent shall agree with the Trustee, subject to the provisions of this Section 6.03, that such Paying Agent shall:</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div>
    <div>
      <div style="text-align: justify; color: rgb(0, 0, 0); font-size: 10pt; margin-left: 36pt; text-indent: 36pt;"><font style="color: rgb(0, 0, 0);">(i) &#160; &#160; &#160; &#160;&#160; </font>hold all sums held by it for the payment of the principal of and premium, if any, or
        interest on the Notes in trust for the benefit of the Holders entitled thereto until such sums shall be paid to such Holders or otherwise disposed of as herein provided;</div>
      <div style="text-align: justify; color: rgb(0, 0, 0); font-size: 10pt; margin-left: 36pt; text-indent: 36pt;"> <br>
      </div>
    </div>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">10</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div>
    <div>
      <div style="text-align: justify; color: rgb(0, 0, 0); margin-left: 36pt; text-indent: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(ii) &#160; &#160; &#160; &#160; </font><font style="font-size: 10pt;">give to the Trustee notice of any Default by the
          Company or any other obligor upon the Notes in the making of any payment of the principal of and premium, if any, or interest on the Notes;</font></div>
    </div>
    <div> <font style="font-size: 10pt;"><br>
      </font></div>
  </div>
  <div>
    <div>
      <div style="text-align: justify; color: rgb(0, 0, 0); margin-left: 36pt; text-indent: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="font-size: 10pt;">at any time during the continuance of any such
          Default, upon the written request of the Trustee, pay to the Trustee all sums so held in trust by such Paying Agent; and</font></div>
    </div>
    <div> <font style="font-size: 10pt;"><br>
      </font></div>
  </div>
  <div>
    <div>
      <div style="text-align: justify; color: rgb(0, 0, 0); margin-left: 36pt; text-indent: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="font-size: 10pt;">acknowledge, accept and agree to comply in all aspects
          with the provisions of the Indenture relating to the duties, rights and liabilities of such Paying Agent.</font></div>
    </div>
  </div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">Anything in this Section 6.03 to the contrary notwithstanding,
        the Company may at any time, for the purpose of obtaining a release, satisfaction or discharge of the Indenture or for any other reason, pay or cause to be paid to the Trustee all sums held in trust by the Company or by any Paying Agent other than
        the Trustee as required by this Section 6.03, such sums to be held by the Trustee upon the same trusts as those upon which such sums were held by the Company or such Paying Agent.</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">Subject to applicable abandoned property law, any money
        deposited with the Trustee or any Paying Agent, or then held by the Company, in trust for the payment of the principal of and premium, if any, or interest on any Notes and remaining unclaimed for two years after such principal and premium, if any,
        or interest has become due and payable shall be paid to the Company upon Company Order along with interest (if any) that has accumulated thereon as a result of such money being invested at the direction of the Company, or (if then held by the
        Company) shall be discharged from such trust, and the Holder of such Note shall thereafter, as an unsecured general creditor, look only to the Company for payment of such amounts without interest thereon, and all liability of the Trustee or such
        Paying Agent with respect to such trust money, and all liability of the Company as trustee thereof, shall thereupon cease; provided, however, that the Trustee or such Paying Agent before being required to make any such repayment, may at the expense
        of the Company cause to be published once, in a newspaper published in the English language, customarily published on each Business Day and of general circulation in The City of New York, notice that such money remains unclaimed and that, after a
        date specified therein, which shall not be less than 30 days from the date of such publication, any unclaimed balance of such money then remaining will be repaid to the Company.</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt;">Section 6.04.&#160;&#160;&#160;&#160;&#160;&#160; <u>Corporate Existence</u>. Subject to Article VII, the Company will do or cause to be done all things necessary to preserve and keep in full force
      and effect the corporate existence, rights (charter and statutory), licenses and franchises of the Company; provided, however, that the Company will not be required to preserve any such existence, right, license or franchise if the Board of Directors
      shall determine that the preservation thereof is no longer desirable in the conduct of the business of the Company and that the loss thereof is not adverse in any material respect to the Holders.</font></div>
  <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt;"> <br>
    </font></div>

  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">11</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-indent: 36pt; text-align: justify;">
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt;">Section 6.05.&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Compliance Certificate</u>. </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt;"> <br>
      </font></div>
  </div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="color: rgb(0, 0, 0);">The Company shall deliver to the Trustee, within 120 days
        after the end of each fiscal year of the Company, a written statement, which need not comply with Section 18.01, signed by the principal executive officer, principal financial officer or principal accounting officer of the Company, as to his or her
        knowledge of the Company&#8217;s compliance with all conditions and covenants under the Indenture. For purposes of this Section 6.05, such compliance shall be determined without regard to any period of grace or requirement of notice under the Indenture.</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">The Company shall deliver to the Trustee, within ten days
        after the occurrence thereof written notice of any event which would constitute a Default.</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">Section 6.06.&#160;&#160;&#160;&#160;&#160;&#160; <u>SEC Reports</u>.</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">The Company, to the extent required pursuant to Section 314(a)
        of the TIA, shall file with the Trustee, within fifteen days after the Company is required to file the same with the SEC, copies of the annual reports and of the information, documents and other reports (or copies of such portions of any of the
        foregoing as the SEC may from time to time by rules and regulations prescribe) which the Company may be required to file with the SEC pursuant to Section 13 or Section 15(d) of the Exchange Act, or, if the Company is not required to file
        information, documents or reports pursuant to either of such Sections, then to file with the Trustee and the SEC, in accordance with the rules and regulations prescribed from time to time by the SEC, such of the supplementary and periodic
        information, documents and reports which would be required pursuant to Section 13 of the Exchange Act in respect of a security listed and registered on a national securities exchange as may be prescribed from time to time in such rules and
        regulations.</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">The Company, to the extent required pursuant to Section 314(a)
        of the TIA, shall file with the Trustee and the SEC, in accordance with the rules and regulations prescribed from time to time by the SEC, such additional information, documents and reports with respect to compliance by the Company with the
        conditions and covenants provided for in the Indenture as may be required from time to time by such rules and regulations.</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">The Company, to the extent required pursuant to Section 314(a)
        of the TIA, shall transmit to the Holders of the Notes within 30 days after the filing thereof with the Trustee, in the manner and to the extent provided in Section 313(c) of the TIA, such summaries of any information, documents and reports
        required to be filed by the Company pursuant to the two immediately preceding sentences as may be required by rules and regulations prescribed from time to time by the SEC.</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">The Company shall notify the Trustee when and as the Notes
        become admitted to trading on any national securities exchange.</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">Delivery of such reports, information and documents to the
        Trustee pursuant to this Section 6.06 is for informational purposes only, and the Trustee&#8217;s receipt thereof shall not constitute constructive notice of any information contained therein or determinable from information contained therein, including
        the Company&#8217;s compliance with any of its covenants under the Indenture (as to which the Trustee is entitled to receive and conclusively rely on Officers&#8217; Certificates).</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">12</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-align: justify; font-size: 10pt; text-indent: 36pt;">Section 6.07.&#160;&#160;&#160;&#160;&#160;&#160; <u>Limitation on Liens</u>.</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">The Company shall not at any time, directly or indirectly,
        create or assume, and shall not cause or permit any Subsidiary to create or assume, any Mortgage of or upon any of its or their properties or assets, real or personal, whether owned at the Issue Date or thereafter acquired, or of or upon any income
        or profit therefrom, without making effective provision, and the Company covenants that in any such case the Company will make or cause to be made effective provision, whereby the Notes shall be secured by such Mortgage equally and ratably with or
        prior to any and all other obligations and indebtedness to be secured thereby, so long as any such other obligations and indebtedness shall be so secured.</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">Nothing in this Section 6.07 shall be construed to prevent the
        Company or any Subsidiary from creating or assuming, and the Company or any Subsidiary is hereby expressly permitted to create or assume, without securing the Notes as hereinabove provided, any Mortgage of the following character:</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div>
    <div>
      <div style="text-align: justify; color: rgb(0, 0, 0); margin-left: 36pt; text-indent: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(1)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="font-size: 10pt;">any Mortgage on any properties or assets of the
          Company or any Subsidiary existing on the Issue Date;</font></div>
      <div style="text-align: justify; color: rgb(0, 0, 0); margin-left: 36pt; text-indent: 36pt; font-size: 10pt;"> <br>
      </div>
    </div>
  </div>
  <div>
    <div>
      <div style="text-align: justify; color: rgb(0, 0, 0); margin-left: 36pt; text-indent: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(2)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="font-size: 10pt;">any Mortgage on any properties or assets of the
          Company or any Subsidiary, in addition to those otherwise permitted by this subsection (b) of this Section 6.07, securing Indebtedness of the Company or any Subsidiary and refundings or extensions of any such Mortgage and the Indebtedness secured
          thereby for amounts not exceeding the principal amount of the Indebtedness so refunded or extended at the time of the refunding or extension thereof and covering only the same property theretofore securing the same; provided that at the time such
          Indebtedness was initially incurred, the aggregate amount of secured Indebtedness permitted by this paragraph (2), after giving effect to such incurrence, does not exceed 10% of Consolidated Net Tangible Assets;</font></div>
      <div style="text-align: justify; color: rgb(0, 0, 0); margin-left: 36pt; text-indent: 36pt; font-size: 10pt;"> <br>
      </div>
    </div>
  </div>
  <div>
    <div>
      <div style="text-align: justify; color: rgb(0, 0, 0); margin-left: 36pt; text-indent: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(3)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="font-size: 10pt;">any Mortgage on any property or assets of any
          Subsidiary to secure Indebtedness owing by it to the Company or to a Wholly-owned Subsidiary;</font></div>
      <div style="text-align: justify; color: rgb(0, 0, 0); margin-left: 36pt; text-indent: 36pt; font-size: 10pt;"> <br>
      </div>
    </div>
  </div>
  <div>
    <div>
      <div style="text-align: justify; color: rgb(0, 0, 0); margin-left: 36pt; text-indent: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(4) &#160; &#160; &#160;&#160; </font><font style="font-size: 10pt;">any Mortgage on any property or assets of any
          Subsidiary to secure, in the ordinary course of business, its Indebtedness, if as a matter of practice, prior to the time it became a Subsidiary, it had borrowed on the basis of secured loans or had customarily deposited collateral to secure any
          or all of its obligations;</font></div>
      <div style="text-align: justify; color: rgb(0, 0, 0); margin-left: 36pt; text-indent: 36pt; font-size: 10pt;"> <br>
      </div>
    </div>
  </div>
  <div>
    <div>
      <div style="text-align: justify; color: rgb(0, 0, 0); margin-left: 36pt; text-indent: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(5)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="font-size: 10pt;">any purchase money Mortgage on property, real or
          personal, acquired or constructed by the Company or any Subsidiary after the Issue Date, to secure the purchase price of such property (or to secure Indebtedness incurred for the purpose of financing the acquisition or construction of any such
          property to be subject to such Mortgage), or Mortgages existing on any such property at the time of acquisition, whether or not assumed, or any Mortgage existing on any property of any corporation at the time it becomes a Subsidiary, or any
          Mortgage with respect to any property hereafter acquired; provided, however, that the aggregate principal amount of the Indebtedness secured by all such Mortgages on a particular parcel of property shall not exceed 75% of the cost of such
          property, including the improvements thereon, to the Company or any such Subsidiary; and provided, further, that any such Mortgage does not spread to other property owned prior to such acquisition or construction or to property thereafter
          acquired or constructed other than additions to such property;</font></div>
      <div style="text-align: justify; text-indent: 72pt; color: rgb(0, 0, 0);"> <font style="font-size: 10pt;"><br>
        </font></div>
    </div>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">13</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div>
    <div>
      <div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 36pt; margin-left: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(6)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="font-size: 10pt;">refinancing, refunding, extension, renewal or
          replacement (or successive refinancings, refundings, extensions, renewals or replacements) of any Mortgage permitted by this subsection (b) of this Section 6.07 (other than pursuant to paragraph (2) hereof) for amounts not exceeding (A) the
          principal amount of the Indebtedness so refinanced, refunded, extended, renewed or replaced at the time of the refunding or extension thereof, and (B) an amount necessary to pay any fees and expenses, including premiums, related to such
          refinancing, refunding, extension, renewal or replacement, and covering only the same property theretofore securing the same;</font></div>
      <div style="text-align: justify; text-indent: 72pt; color: rgb(0, 0, 0); font-size: 10pt;"> <br>
      </div>
    </div>
  </div>
  <div>
    <div>
      <div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 36pt; margin-left: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(7)&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="font-size: 10pt;">deposits, liens or pledges to enable the Company or any
          Subsidiary to exercise any privilege or license, or to secure payments of workmen&#8217;s compensation, unemployment insurance, old age pensions or other social security, or to secure the performance of bids, tenders, contracts or leases to which the
          Company or any Subsidiary is a party, or to secure public or statutory obligations of the Company or any Subsidiary, or to secure surety, stay or appeal bonds to which the Company or any Subsidiary is a party; or other similar deposits, liens or
          pledges made in the ordinary course of business;</font></div>
      <div style="text-align: justify; text-indent: 72pt; color: rgb(0, 0, 0); font-size: 10pt;"> <br>
      </div>
    </div>
  </div>
  <div>
    <div>
      <div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 36pt; margin-left: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(8)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="font-size: 10pt;">mechanics&#8217;, workmen&#8217;s, repairmen&#8217;s, materialmen&#8217;s, or
          carriers&#8217; liens; or other similar liens arising in the ordinary course of business; or deposits or pledges to obtain the release of any such liens;</font></div>
      <div style="text-align: justify; text-indent: 72pt; color: rgb(0, 0, 0); font-size: 10pt;"> <br>
      </div>
    </div>
  </div>
  <div>
    <div>
      <div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 36pt; margin-left: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(9) &#160; &#160; &#160; &#160; </font><font style="font-size: 10pt;">liens arising out of judgments or awards against the
          Company or any Subsidiary with respect to which the Company or such Subsidiary shall in good faith be prosecuting an appeal or proceedings for review; or liens incurred by the Company or any Subsidiary for the purpose of obtaining a stay or
          discharge in the course of any legal proceeding to which the Company or such Subsidiary is a party;</font></div>
      <div style="text-align: justify; text-indent: 72pt; color: rgb(0, 0, 0); font-size: 10pt;"> <br>
      </div>
    </div>
  </div>
  <div>
    <div>
      <div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 36pt; margin-left: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(10) &#160; &#160; &#160; </font><font style="font-size: 10pt;">liens for taxes not yet subject to penalties for
          non-payment or contested, or minor survey exceptions, or minor encumbrances, easements or reservations of, or rights of others for, rights of way, sewers, electric lines, telegraph and telephone lines and other similar purposes, or zoning or
          other restrictions as to the use of real properties, which encumbrances, easements, reservations, rights and restrictions do not in the aggregate materially detract from the value of said properties or materially impair their use in the operation
          of the business of the Company or of the Subsidiary owning the same;</font></div>
      <div style="text-align: justify; text-indent: 72pt; color: rgb(0, 0, 0); font-size: 10pt;"> <br>
      </div>
    </div>
  </div>
  <div>
    <div>
      <div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 36pt; margin-left: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(11)&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="font-size: 10pt;">other liens, charges and encumbrances incidental to the
          conduct of its business or the ownership of its property and assets which were not incurred in connection with the borrowing of money or the obtaining of advances or credit, and which do not in the aggregate materially detract from the value of
          its property and assets or materially impair the use thereof in the operation of its business; and</font></div>
    </div>
    <div> <font style="font-size: 10pt;"><br>
      </font></div>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">14</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div>
    <div>
      <div style="text-align: justify; color: rgb(0, 0, 0); font-size: 10pt; margin-left: 36pt; text-indent: 36pt;"><font style="color: rgb(0, 0, 0);">(12)&#160;&#160;&#160;&#160;&#160;&#160; </font>any Mortgage created by the Company or any Subsidiary in connection with a transaction
        intended by the Company or such Subsidiary to be one or more sales of properties or assets of the Company or such Subsidiary; provided that such Mortgage shall only apply to the properties or assets involved in such sale or sales, the income from
        such properties or assets and/or the proceeds of such properties or assets.</div>
    </div>
  </div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">If at any time the Company or any Subsidiary shall create or
        assume any Mortgage not permitted by subsection (b) of this Section 6.07, to which the covenant in subsection (a) of this Section 6.07 is applicable, the Company shall promptly deliver to the Trustee (1) an Officer&#8217;s Certificate stating that the
        covenant contained in subsection (a) of this Section 6.07 has been complied with, and (2) an Opinion of Counsel to the effect that the covenant contained in subsection (a) of this Section 6.07 has been complied with, and that any instruments
        executed by the Company in the performance of such covenant comply with the requirements of such Section.</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-indent: 36pt; text-align: justify;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">In the event that the Company shall hereafter secure the Notes
        equally and ratably with (or prior to) any other obligation or indebtedness pursuant to the provisions of this Section 6.07, the Trustee is hereby authorized and instructed to enter into an indenture or agreement supplemental hereto and to take
        such other actions, if any, as the Company may deem advisable to enable the Trustee to enforce effectively the rights of the Holders of the Notes so secured equally and ratably with (or prior to) such other obligation or indebtedness.</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt;">Section 6.08.&#160;&#160;&#160;&#160;&#160;&#160; <u>Conditional Waiver by Holders of Notes</u>. Anything in the Indenture to the contrary notwithstanding, the Company may fail or omit in any
      particular instance to comply with a covenant or condition set forth herein with respect to the Notes if the Company shall have obtained and filed with the Trustee, prior to the time of such failure or omission, evidence (as provided in Article IX)
      of the consent of the Holders of a majority in aggregate principal amount of the Notes at the time Outstanding, either waiving such compliance in such instance or generally waiving compliance with such covenant or condition, but no such waiver shall
      extend to or affect such covenant or condition except to the extent so expressly waived, or impair any right consequent thereon and, until such waiver shall have become effective, the obligations of the Company and the duties of the Trustee in
      respect of any such covenant or condition shall remain in full force and effect.</font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: center;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">ARTICLE&#160;5</font><font style="font-size: 10pt;"><font style="color: rgb(0, 0, 0);"><a name="z_Toc138329054"></a><br>
        NO SINKING FUNDS</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; font-size: 10pt; text-indent: 36pt;">Section&#160;5.01.&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>No Sinking Funds</u></font>. The provisions of Article V of the Base Indenture shall not be applicable to the Notes.</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: center;"><font style="font-size: 10pt; color: rgb(0, 0, 0);">ARTICLE&#160;6</font><font style="font-size: 10pt;"><font style="color: rgb(0, 0, 0);"><a name="z_Toc138329056"></a><br>
        EVENTS OF DEFAULT</font></font></div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; font-size: 10pt; text-indent: 36pt;">Section&#160;6.01.&#160;&#160;&#160;&#160;&#160; <a name="z_Toc138329057"></a><font style="color: rgb(0, 0, 0);"><u> Events of Default</u></font>. With respect to the Notes, Section 8.01 of the Base Indenture
    shall be replaced in its entirety with the following:</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div style="text-align: justify; font-size: 10pt; text-indent: 36pt;">Section 8.01.&#160;&#160;&#160;&#160;&#160;&#160; <u>Events of Default</u>.</div>
  <div style="font-size: 10pt; text-align: justify;">&#160;</div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">15</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <font style="font-size: 10pt;"> </font>
  <div>
    <div style="text-indent: 36pt; font-size: 10pt;">An &#8220;<font style="font-weight: bold;">Event of Default</font>&#8221; wherever used herein, means any one of the following events:</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="color: rgb(0, 0, 0);">a default in the payment of any interest payable in respect
          of any Note, when such interest becomes due and payable, and continuance of such default for a period of 30 days;</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">a default in the payment of the principal of and any premium
          on any Note when it becomes due and payable at its Maturity;</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="color: rgb(0, 0, 0);">a default in the performance, or breach, of any covenant or
          warranty of the Company in the Indenture or the Notes, and continuance of such default or breach for a period of 90 days;</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">an event of default, as defined in any mortgage, indenture or
          instrument under which there may be issued, or by which there may be secured or evidenced, any Indebtedness for money borrowed of the Company, whether such Indebtedness now exists or shall hereafter be created, shall happen and shall result in a
          principal amount in excess of $25,000,000 of Indebtedness becoming or being declared due and payable prior to the date on which it would otherwise have become due and payable, and such acceleration shall not have been rescinded or annulled, or
          such Indebtedness shall not have been discharged, within a period of 15 days;</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">a court having jurisdiction in the premises shall have
          entered a decree or order for relief in respect of the Company in an involuntary proceeding under any Bankruptcy Law, or appointing a receiver, liquidator, assignee, custodian, trustee, sequestrator (or other similar official) of the Company or
          of all or any substantial part of its property, or ordering the winding-up or liquidation of its affairs, and such decree or order shall remain unstayed and in effect for a period of 60 consecutive days; and</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(f)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">the Company shall have commenced a voluntary proceeding under
          any Bankruptcy Law, or shall have, consented to the entry, of an order for, relief in an involuntary case under any such law, or shall have consented to the appointment of or taking possession by a receiver, liquidator, assignee, trustee,
          custodian, sequestrator (or other similar official) of the Company, or of all or any substantial part of its property, or shall have made an assignment for the benefit of creditors.</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">A Default under clause (c) or (d) is not an Event of Default until the Trustee or the Holders of at least 25% in aggregate principal amount of the Outstanding Notes notify the
      Company in writing of the Default, and the Company does not cure the Default within the time specified in such clause after receipt of such notice.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; font-size: 10pt;">When a Default under clause (c) or (d) is cured or remedied within the specified period, it ceases to exist.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">The foregoing will constitute Events of Default whatever the reason for any such Event of Default and whether it is voluntary or involuntary or is effected by operation of law or
      pursuant to any judgment, decree or order of any court or any order, rule or regulation of any administrative or governmental body.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">16</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="text-align: center;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">ARTICLE&#160;7</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);"><a name="z_Toc138329058"></a><br>
          CONCERNING THE TRUSTEE</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify; font-size: 10pt;">Section&#160;7.01.&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Series Trustee Designation</u></font>. The Company hereby designates and appoints HSBC Bank USA, National Association, and,
      subject to the applicable provisions of the Indenture, any successor Trustee, to serve as Trustee with respect to the Notes. The Notes shall constitute a Designated Series for all purposes of the Indenture.</div>
    <div style="text-indent: 36pt; font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify; font-size: 10pt;">Section&#160;7.02.&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Rights of the Series Trustee</u></font>. With respect to the Notes, Section 12.01(d) of the Base Indenture shall be
      replaced in its entirety with the following:</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;The Trustee may consult with counsel and other professional advisors of its selection, and any advice or opinion of such counsel or other professional advisor shall be full and
      complete authorization and protection in respect of any action taken or suffered by the Trustee hereunder in good faith and in reliance thereon.&#8221;</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: center;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">ARTICLE&#160;8</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);"><a name="z_Toc138329061"></a><br>
          DEFEASANCE; SATISFACTION AND DISCHARGE</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify; font-size: 10pt;">Section&#160;8.01.&#160;&#160;&#160;&#160;&#160; <a name="z_Toc138329062"></a><font style="color: rgb(0, 0, 0);"><u>Defeasance</u></font>. Legal defeasance of the Notes under Section 13.02 of the Base Indenture
      and covenant defeasance of the Notes under Section 13.03 of the Base Indenture shall be applicable to the Notes, and the Company may at its option, at any time, with respect to the Notes, elect to have Section 13.02 or Section 13.03 of the Base
      Indenture be applied to the Outstanding Notes upon compliance with the conditions set forth in Section 13.04 of the Base Indenture. In addition to Section 7.01 of the Base Indenture, Article 4 of this Supplemental Indenture shall be subject to
      covenant defeasance under Section 13.03 of the Base Indenture.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify; font-size: 10pt;">Section&#160;8.02.&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Conditions to Legal or Covenant Defeasance</u></font>. With respect to the Notes, Section 13.04 of the Base Indenture shall
      be replaced in its entirety with the following:</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;"><a name="z_Hlk131083798"></a>Section 13.04&#160;&#160;&#160;&#160;&#160; <u>Conditions to Legal or Covenant Defeasance</u>. The following are the conditions precedent to the application of either Section
      13.02 or 13.03 hereof to the Outstanding Securities of a series:</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; font-size: 10pt;">In order to exercise either Legal Defeasance or Covenant Defeasance with respect to the Outstanding Securities of a series:</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="color: rgb(0, 0, 0);">the Company must irrevocably deposit with the Trustee, in
          trust (the &#8220;Defeasance Trust&#8221;), for the benefit of the Holders of the Outstanding Securities of such series, cash in U.S. dollars, U.S. Government Obligations, or a combination thereof, in such amounts as shall be sufficient to pay the principal
          of, premium, if any, and interest due on the Outstanding Securities of such series on Stated Maturity or on the applicable Redemption Date, as the case may be, of such principal, premium, if any, or interest on such Securities of such series, and
          the Company must specify whether such Notes are being defeased to Stated Maturity or to a particular Redemption Date;</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="color: rgb(0, 0, 0);">in the case of Legal Defeasance, the Company shall have
          delivered to the Trustee an Opinion of Counsel confirming that, subject to customary assumptions and exclusions,</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">17</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div>
      <div>
        <div style="color: rgb(0, 0, 0); font-size: 12pt; text-indent: 72pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="font-size: 10pt;">the Company has received from, or there has been published by, the United
            States Internal Revenue Service a ruling, or</font></div>
      </div>
    </div>
    <div>
      <div>
        <div style="color: rgb(0, 0, 0); text-indent: 72pt; font-size: 10pt;"><font style="color: rgb(0, 0, 0);"> <br>
          </font></div>
        <div style="color: rgb(0, 0, 0); font-size: 12pt; text-indent: 72pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="font-size: 10pt;">since the issuance of the Securities of such series, there has been a
            change in the applicable U.S. federal income tax law,</font></div>
      </div>
    </div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 72pt; color: rgb(0, 0, 0); font-size: 10pt;">in either case to the effect that, and based thereon such Opinion of Counsel shall confirm that, subject to customary assumptions and exclusions, the beneficial
      owners of the Securities of such series will not recognize income, gain or loss for U.S. federal income tax purposes, as applicable, as a result of such Legal Defeasance and will be subject to U.S. federal income tax on the same amounts, in the same
      manner and at the same times as would have been the case if such Legal Defeasance had not occurred; <u>provided</u>, <u>however</u>, the Opinion of Counsel required with respect to a Legal Defeasance need not be delivered if all Securities of such
      series not theretofore delivered to the Trustee for cancellation (x) have become due and payable or (y) will become due and payable at their Stated Maturity within one year or are to be called for redemption within one year under arrangements
      satisfactory to the Trustee for the giving of notice of redemption by the Trustee in the name, and at the expense, of the Company;</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="color: rgb(0, 0, 0);">in the case of Covenant Defeasance, the Company shall have
          delivered to the Trustee an Opinion of Counsel confirming that, subject to customary assumptions and exclusions, the beneficial owners of the Securities of such series will not recognize income, gain or loss for U.S. federal income tax purposes
          as a result of such Covenant Defeasance and will be subject to U.S. federal income tax on the same amounts, in the same manner and at the same times as would have been the case if such Covenant Defeasance had not occurred; and</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="color: rgb(0, 0, 0);">the Company shall have delivered to the Trustee an Officer&#8217;s
          Certificate and an Opinion of Counsel (which Opinion of Counsel may be subject to customary assumptions and exclusions), each stating (i) that all conditions precedent provided for or relating to the Legal Defeasance or the Covenant Defeasance,
          as the case may be, have been complied with and (ii) that such Legal Defeasance or Covenant Defeasance, as the case may be, is authorized and permitted pursuant to the terms and conditions of the Indenture.</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify; font-size: 10pt;">Section&#160;8.03.&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Satisfaction and Discharge</u></font>. Satisfaction and discharge of the Indenture under Section 13.09 of the Base
      Indenture shall be applicable to the Notes.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: center;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">ARTICLE&#160;9</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);"><a name="z_Toc138329065"></a><br>
          MODIFICATION AND WAIVER</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify; font-size: 10pt;">Section&#160;9.01.&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Modification and Waiver</u></font>. With respect to the Notes, Section 15.01 of the Base Indenture shall be replaced in its
      entirety with the following:</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">Section 15.01&#160;&#160;&#160;&#160;&#160; <u>Without Consent of Holders of Notes</u>. Notwithstanding Section 15.02 of the Indenture, the Company and the Trustee may modify or amend the Indenture or the
      Notes without the consent of any Holder of a Note:</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">to evidence that another entity is our successor and has assumed our obligations
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    <div style="font-size: 10pt;">&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">18</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="text-indent: 36pt; text-align: justify;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">to add to our covenants or to add guarantees of any Person
          for the benefit of the Holders of the Notes or to surrender any of our rights or powers under the Indenture;</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
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    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="color: rgb(0, 0, 0);">to change or eliminate any restrictions on the payment of
          the principal of, or any premium or interest on, any Notes, to modify the provisions relating to Global Notes, or to permit the issuance of Notes in uncertificated form, so long as in any such case the interests of the Holders of Notes are not
          adversely affected in any material respect;</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">to secure the Notes;</font></font></div>
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    <div style="text-indent: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(f)</font><font style="font-size: 10pt;">&#160;&#160;&#160; &#160; &#160; &#160;&#160; <font style="color: rgb(0, 0, 0);">to provide for the appointment of a successor Trustee with respect to the Notes;</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(g)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="color: rgb(0, 0, 0);">to provide for the discharge of the Indenture with respect
          to the Notes by the deposit in trust of money, Government Obligations or a combination thereof, in accordance with the provisions of Article XIII;</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(h)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="color: rgb(0, 0, 0);">to make certain changes to the Indenture to provide for the issuance of
          Additional Notes;</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(i)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="color: rgb(0, 0, 0);">to cure any ambiguity, defect or inconsistency in the
          Indenture or to make any other provisions with respect to matters or questions arising under the Indenture, so long as the action does not adversely affect the interests of the Holders of the Notes in any material respect; or</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(j)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; <font style="color: rgb(0, 0, 0);">to conform the text of the Indenture or the Notes to any
          provision of the &#8220;Description of the Notes&#8221; in the Company&#8217;s prospectus supplement dated March 4, 2025.</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: center; font-size: 10pt;"><font style="color: rgb(0, 0, 0);">ARTICLE&#160;10<a name="z_Toc138329067"></a><br>
        GUARANTEES</font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify; font-size: 10pt;">Section&#160;10.01.&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Guarantees</u></font>. The provisions of Article XVII of the Base Indenture shall be applicable to the Notes. The Notes
      shall be guaranteed by OMH as provided in the Base Indenture.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: center; font-size: 10pt;"><font style="color: rgb(0, 0, 0);">ARTICLE&#160;11<a name="z_Toc138329069"></a><br>
        MISCELLANEOUS</font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify; font-size: 10pt;">Section&#160;11.01.&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Section Provisions of Base Indenture Not Applicable</u></font>. Notwithstanding anything to the contrary in the Indenture,
      Article V and Article XVI of the Base Indenture shall not apply with respect to the Notes.</div>
    <div style="text-indent: 36pt; font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify; font-size: 10pt;">Section&#160;11.02.&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Ratification of Indenture</u></font>. The Base Indenture, as supplemented by this Supplemental Indenture, is in all respects
      ratified and confirmed, and this Supplemental Indenture shall be deemed part of the Indenture in the manner and to the extent herein and therein provided.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">19</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-indent: 36pt; text-align: justify; font-size: 10pt;">Section&#160;11.03.&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Effects of Headings and Table of Contents</u></font>. The Article and Section headings herein and the Table of Contents are
      for convenience only and shall not affect the construction hereof.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify;"><font style="font-weight: bold; font-size: 10pt;">Section&#160;11.04.</font><font style="font-size: 10pt;">&#160;&#160;&#160; <font style="font-weight: bold;"><font style="color: rgb(0, 0, 0);"><u>GOVERNING LAW; WAIVER
              OF TRIAL BY JURY</u></font>. THIS SUPPLEMENTAL INDENTURE AND THE NOTES SHALL BE DEEMED TO BE CONTRACTS MADE UNDER THE LAW OF THE STATE OF NEW YORK, AND FOR ALL PURPOSES SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAW OF SAID
          STATE.</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-weight: bold; font-size: 10pt;">EACH PARTY HERETO, AND EACH HOLDER OF A SECURITY BY ACCEPTANCE THEREOF, HEREBY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY RIGHT IT MAY HAVE TO
      A TRIAL BY JURY IN RESPECT OF ANY LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF, UNDER OR IN CONNECTION WITH THIS SUPPLEMENTAL INDENTURE.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-weight: bold; font-size: 10pt;">THE PARTIES HERETO HEREBY (I) IRREVOCABLY SUBMIT TO THE NON-EXCLUSIVE JURISDICTION OF ANY FEDERAL OR STATE COURT SITTING IN THE BOROUGH OF MANHATTAN IN THE CITY OF
      NEW YORK, (II) WAIVE ANY OBJECTION TO LAYING OF VENUE IN ANY SUCH ACTION OR PROCEEDING IN SUCH COURTS, AND (III) WAIVE ANY OBJECTION THAT SUCH COURTS ARE AN INCONVENIENT FORUM OR DO NOT HAVE JURISDICTION OVER ANY PARTY.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify; font-size: 10pt;">Section&#160;11.05.&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Counterparts; Originals</u></font>. This Supplemental Indenture may be executed in counterparts, each of which when so
      executed shall be deemed to be an original and all of which when taken together shall constitute one and the same instrument. The words &#8220;execution,&#8221; &#8220;signed,&#8221; &#8220;signature,&#8221; and words of like import in this Supplemental Indenture or in any other
      certificate, agreement or document related to this Supplemental Indenture shall include images of manually executed signatures transmitted by facsimile or other electronic format (including, without limitation, &#8220;pdf&#8221;, &#8220;tif&#8221; or &#8220;jpg&#8221;) and other
      electronic signatures (including, without limitation, DocuSign and AdobeSign). The use of electronic signatures and electronic records (including, without limitation, any contract or other record created, generated, sent, communicated, received, or
      stored by electronic means) shall be of the same legal effect, validity and enforceability as a manually executed signature or use of a paper-based record-keeping system to the fullest extent permitted by applicable law, including the Federal
      Electronic Signatures in Global and National Commerce Act, the New York State Electronic Signatures and Records Act and any other applicable law, including, without limitation, any state law based on the Uniform Electronic Transactions Act or the
      Uniform Commercial Code.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify; font-size: 10pt;">Section&#160;11.06.&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Force Majeure</u></font>. In no event shall the Trustee be responsible or liable for any failure or delay in the performance
      of its obligations hereunder arising out of or caused by, directly or indirectly, forces beyond its control, including, without limitation, strikes, work stoppages, accidents, acts of war or terrorism, civil or military disturbances, nuclear or
      natural catastrophes or acts of God, and interruptions, loss or malfunctions of utilities, communications or computer (software and hardware) services; it being understood that the Trustee shall use reasonable efforts which are consistent with
      accepted practices in the banking industry to resume performance as soon as practicable under the circumstances.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">20</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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    <div style="text-indent: 36pt; text-align: justify; font-size: 10pt;">Section&#160;11.07.&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>U.S.A. Patriot Act</u></font>. The parties hereto acknowledge that in accordance with Section 326 of the U.S.A. Patriot Act,
      the Trustee, like all financial institutions and in order to help fight the funding of terrorism and money laundering, is required to obtain, verify, and record information that identifies each Person or legal entity that establishes a relationship
      or opens an account with the Trustee. The parties to this Supplemental Indenture agree that they will provide the Trustee with such information as it may request in order for the Trustee to satisfy the requirements of the U.S.A. Patriot Act.</div>
    <div style="text-indent: 36pt; font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify; font-size: 10pt;">Section&#160;11.08.&#160;&#160;&#160;&#160; <a name="z_Toc138329077"></a><font style="color: rgb(0, 0, 0);"><u>Sanctions</u></font>. The Company hereby represents and warrants to the Trustee that it will
      not, directly or knowingly indirectly, use the proceeds hereof, or lend, contribute or otherwise make available such proceeds to any subsidiary, joint venture partner or other person, (i) for the purpose of funding any activities of or business with
      any Person that, at the time of such funding, is the subject of sanctions administered by the Office of Foreign Assets Control of the U.S. Treasury Department, the U.S. Department of Commerce, the U.S. Department of State, the United Nations Security
      Council, the European Union or any European Union member state, or HM Treasury (collectively, &#8220;<font style="font-weight: bold;">Sanctions</font>&#8221;), or (ii) in any other manner that will result in a violation of Sanctions.</div>
    <div style="text-indent: 36pt; font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify; font-size: 10pt;">Section&#160;11.09.&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Notices to the Company and Trustee</u></font>. Any notice or demand authorized by this Supplemental Indenture to be made
      upon, given or furnished to, or filed with, the Company or the Trustee shall be sufficiently made, given, furnished or filed for all purposes if it shall be given, delivered or transmitted by facsimile to:</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">the Company, at 601 N.W. Second Street, Evansville, Indiana
          47708, Attention: Treasurer, Facsimile No.: [***] or at such other address or facsimile number as may have been furnished in writing to the Trustee by the Company.</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">the Trustee, at the Corporate Trust Office of the Trustee, at Issuer Services, 66
          Hudson Boulevard East, New York, NY 10001.</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; font-size: 10pt;">Any such notice, demand or other document shall be in the English language.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify; font-size: 10pt;">Section&#160;11.10.&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Notices to Holders of Notes; Waiver</u></font>. Any notice required or permitted to be given to Holders of Notes shall be
      sufficiently given (unless otherwise herein expressly provided),</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">if to Holders, if given in writing by first class mail,
          postage prepaid, to such Holders at their addresses as the same shall appear on the Register of the Company; <u>provided</u>, that in the event of suspension of regular mail service or by reason of any other cause it shall be impracticable to
          give notice by mail, then such notification as shall be given with the approval of the Company shall constitute sufficient notice for every purpose hereunder; or</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);">if a series of Notes has been issued in global form through
          DTC as Depositary or through another Depositary, notice may be provided in all cases by delivery of such notice to DTC or such other Depositary, as applicable, pursuant to its then Applicable Procedures or a successor system thereof.</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">21</font></div>
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    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">Where this Supplemental Indenture provides for notice in any manner, such notice may be waived in writing by the Person entitled to receive such notice, either before or after the
      event, and such waiver shall be the equivalent of such notice. Waivers of notice by Holders shall be filed with the Trustee, but such filing shall not be a condition precedent to the validity of any action taken in reliance on such waiver. In any
      case where notice to Holders is given by mail; neither the failure to mail such notice nor any defect in any notice so given to any particular Holder shall affect the sufficiency of such notice with respect to other Holders, and any notice that is
      given in the manner herein provided shall be conclusively presumed to have been duly given. In any case where notice to Holders is given by publication, any defect in any notice so published as to any particular Holder shall not affect the
      sufficiency of such notice with respect to other Holders, and any notice that is published in the manner herein provided shall be conclusively presumed to have been duly given.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify; font-size: 10pt;">Section&#160;11.11.&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Successors and Assigns</u></font>. All covenants and agreements in this Supplemental Indenture by the parties hereto shall
      bind their respective successors and assigns and inure to the benefit of their permitted successors and assigns, whether so expressed or not.</div>
    <div style="text-indent: 36pt; font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify; font-size: 10pt;">Section&#160;11.12.&#160;&#160;&#160;&#160; <font style="color: rgb(0, 0, 0);"><u>Separability Clause</u></font>. In case any provision in this Supplemental Indenture or in the Notes shall be invalid,
      illegal or unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby.</div>
    <div style="text-indent: 36pt; font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; text-align: justify; font-size: 10pt;">Section&#160;11.13.&#160;&#160;&#160; <a name="z_Toc138329082"></a><font style="color: rgb(0, 0, 0);"><u>Benefits of Supplemental Indenture</u></font>. Nothing in this Supplemental Indenture expressed
      and nothing that may be implied from any of the provisions hereof is intended, or shall be construed, to confer upon, or to give to, any Person or corporation other than the parties hereto and their successors and the Holders of the Notes any benefit
      or any right, remedy or claim under or by reason of this Supplemental Indenture or any covenant, condition, stipulation, promise or agreement hereof, and all covenants, conditions, stipulations, promises and agreements in this Supplemental Indenture
      contained shall be for the sole and exclusive benefit of the parties hereto and their successors and of the Holders of the Notes.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
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    <div style="text-indent: 36pt; font-size: 10pt;">IN WITNESS WHEREOF, the parties hereto have caused this Supplemental Indenture to be duly executed.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div>
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              <div>ONEMAIN FINANCE CORPORATION, as the Company</div>
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          </tr>
          <tr>
            <td rowspan="1" style="width: 50%; vertical-align: top;">&#160;</td>
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          <tr>
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              <div>By:</div>
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              <div>/s/ David R. Schulz</div>
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              <div>Name:</div>
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              <div>David R. Schulz</div>
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              <div>Title:</div>
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              <div>Senior Vice President and Treasurer</div>
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            <td rowspan="1" style="width: 50%; vertical-align: top;">&#160;</td>
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              <div>ONEMAIN HOLDINGS, INC., as Guarantor</div>
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            <td rowspan="1" style="width: 50%; vertical-align: top;">&#160;</td>
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            <td rowspan="1" style="width: 50%; vertical-align: top;">&#160;</td>
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            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div>Title:</div>
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          <tr>
            <td rowspan="1" style="width: 50%; vertical-align: top;">&#160;</td>
            <td colspan="3" rowspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
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            <td rowspan="1" style="width: 50%; vertical-align: top;">&#160;</td>
            <td colspan="3" rowspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
              <div>By:</div>
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            <td colspan="2" rowspan="1" style="width: 5%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>/s/ F. Acebedo</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 50%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 5%; vertical-align: top;">
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          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div>Title:</div>
            </td>
            <td style="width: 42%; vertical-align: top;">
              <div>Vice President</div>
            </td>
          </tr>

      </table>
    </div>
    <div> <font style="font-size: 10pt;"><br>
      </font> </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: right; font-weight: bold; font-size: 10pt;"><a name="sty_hrt_1"></a>Exhibit A</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: center; text-indent: 36pt; font-size: 10pt;">[FORM OF FACE OF SECURITY]</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF THE DEPOSITARY OR A NOMINEE OF THE DEPOSITARY, WHICH
      MAY BE TREATED BY THE COMPANY, THE TRUSTEE AND ANY AGENT THEREOF AS OWNER AND HOLDER OF THIS SECURITY FOR ALL PURPOSES.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITARY TO THE COMPANY OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY
      CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF THE NOMINEE OF THE DEPOSITARY OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITARY (AND ANY PAYMENT HEREON IS MADE TO THE NOMINEE OF THE DEPOSITARY OR TO SUCH OTHER
      ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITARY), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, THE NOMINEE OF THE DEPOSITARY, HAS AN
      INTEREST HEREIN.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">TRANSFERS OF THIS GLOBAL SECURITY SHALL BE LIMITED TO TRANSFERS IN WHOLE, BUT NOT IN PART, BY THE DEPOSITARY TO A NOMINEE OF THE DEPOSITARY, OR BY A NOMINEE OF THE DEPOSITARY TO THE
      DEPOSITARY OR ANOTHER NOMINEE OF THE DEPOSITARY, OR BY THE DEPOSITARY OR ANY SUCH NOMINEE TO A SUCCESSOR DEPOSITARY OR A NOMINEE OF SUCH SUCCESSOR DEPOSITARY.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: right; font-size: 10pt;">CUSIP No. 682691 AJ9<br>
      ISIN No. US682691AJ99</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: center; font-weight: bold; font-size: 10pt;">OneMain Finance Corporation</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: center; font-weight: bold; font-size: 10pt;">6.750% SENIOR NOTES DUE 2032</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div><font style="font-size: 10pt;">No. _____&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$<br>
      </font> </div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: right; font-size: 10pt;">As revised by the<br>
      Schedule of Increases<br>
      or Decreases in Global Security<br>
      attached hereto</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Interest</font><font style="font-size: 10pt;">. OneMain Finance Corporation, an Indiana corporation (herein called the &#8220;<font style="font-weight: bold;">Company</font>,&#8221; which term includes any successor Person under the Indenture hereinafter referred to), for value received, hereby promises to pay to ______ or registered assigns, the principal sum of ____ million
        dollars ($_____), as revised by the Schedule of Increases or Decreases in Global Security attached hereto, on March 15, 2032 and to pay interest thereon from March 13, 2025 or from the most recent Interest Payment Date to which interest has been
        paid or duly provided for, semi-annually in arrears on March 15 and September 15 of each year, commencing September 15, 2025 at the rate of 6.750% per annum, until the principal hereof is paid or made available for payment.</font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Method of Payment</font><font style="font-size: 10pt;">. The interest so payable, and punctually paid or duly provided for, on any
        Interest Payment Date will, as provided in such Indenture, be paid to the Person in whose name this Note (or one or more Predecessor Securities) is registered at the close of business on the Record Date for such interest, which shall be March 1 or
        September 1, as the case may be, next preceding such Interest Payment Date. Any such interest not so punctually paid or duly provided for will forthwith cease to be payable to the Holder on such Record Date and may either be paid to the Person in
        whose name this Note (or one or more Predecessor Securities) is registered at the close of business on a Special Record Date for the payment of such Defaulted Interest to be fixed by the Company, notice thereof having been given to Holders of Notes
        of this series not less than 10 days prior to such Special Record Date, all as more fully provided in said Indenture. Payment of the principal of (and premium, if any) and any such interest on this Note will be made at the Corporate Trust Office in
        U.S. Dollars.</font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">Reference is hereby made to the further provisions of this Note set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth
      at this place.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Authentication</font><font style="font-size: 10pt;">. Unless the certificate of authentication hereon has been executed by the
        Trustee referred to on the reverse hereof by manual signature, this Note shall not be entitled to any benefit under the Indenture or be valid or obligatory for any purpose.</font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Electronic Signatures</font><font style="font-size: 10pt;">. Except as provided in the immediately preceding paragraph, the words
        &#8220;execution,&#8221; &#8220;signed,&#8221; &#8220;signature,&#8221; and words of like import in this Note or in any other certificate, agreement or document related to this Note shall include images of manually executed signatures transmitted by facsimile or other electronic
        format (including, without limitation, &#8220;pdf&#8221;, &#8220;tif&#8221; or &#8220;jpg&#8221;) and other electronic signatures (including, without limitation, DocuSign and AdobeSign). The use of electronic signatures and electronic records (including, without limitation, any
        contract or other record created, generated, sent, communicated, received, or stored by electronic means) shall be of the same legal effect, validity and enforceability as a manually executed signature or use of a paper-based record-keeping system
        to the fullest extent permitted by applicable law, including the Federal Electronic Signatures in Global and National Commerce Act, the New York State Electronic Signatures and Records Act and any other applicable law, including, without
        limitation, any state law based on the Uniform Electronic Transactions Act or the Uniform Commercial Code.</font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-indent: 36pt; font-size: 10pt;">IN WITNESS WHEREOF, the Company has caused this instrument to be duly executed.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div>
      <table cellspacing="0" cellpadding="0" border="0" id="z7f4a01a13bd0422ab753577a8f5c3d4b" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

          <tr>
            <td colspan="1" style="width: 50%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="vertical-align: top;">
              <div>ONEMAIN FINANCE CORPORATION</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" colspan="1" style="width: 50%; vertical-align: top;">&#160;</td>
            <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
              <div>By:</div>
            </td>
            <td style="width: 47%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="width: 50%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="vertical-align: top;">
              <div>Name:</div>
            </td>
          </tr>
          <tr>
            <td colspan="1" rowspan="1" style="width: 50%; vertical-align: top;">&#160;</td>
            <td colspan="2" rowspan="1" style="vertical-align: top;">
              <div>Title:</div>
            </td>
          </tr>

      </table>
    </div>
    <font style="font-size: 10pt;"><br>
    </font>
    <div style="font-size: 10pt;">TRUSTEE&#8217;S CERTIFICATE OF AUTHENTICATION</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; font-size: 10pt;">This is one of the Notes of the series designated therein referred to in the within-mentioned Indenture.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div>
      <table cellspacing="0" cellpadding="0" border="0" id="zb282494e9e954f44865a11f8b2d1fc26" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;">

          <tr>
            <td nowrap="nowrap" style="width: 7%; padding-bottom: 2px;">Date of authentication:<br>
            </td>
            <td style="width: 5%; border-bottom: 2px solid rgb(0, 0, 0);"><br>
            </td>
            <td style="width: 38%; padding-bottom: 2px;"><br>
            </td>
            <td style="padding-bottom: 2px;" colspan="2" rowspan="1">HSBC BANK U.S.A., NATIONAL ASSOCIATION, as Trustee<br>
            </td>
          </tr>
          <tr>
            <td colspan="3"><br>
            </td>
            <td style="width: 3%;"><br>
            </td>
            <td style="width: 47%;"><br>
            </td>
          </tr>
          <tr>
            <td colspan="3" style="padding-bottom: 2px;"><br>
            </td>
            <td style="width: 3%; padding-bottom: 2px;">By:</td>
            <td style="width: 47%; border-bottom: 2px solid rgb(0, 0, 0);"><br>
            </td>
          </tr>
          <tr>
            <td colspan="3" rowspan="1">&#160;</td>
            <td colspan="2" rowspan="1">Authorized Signatory&#160;</td>
          </tr>

      </table>
    </div>
    <div> <font style="font-size: 10pt;"><br>
      </font> </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: center; font-size: 10pt;">[FORM OF REVERSE OF SECURITY]</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Indenture</font><font style="font-size: 10pt;">. This Note is one of a duly authorized issue of securities of the Company (herein
        called the &#8220;<font style="font-weight: bold;">Notes</font>&#8221;), issued and to be issued in one or more series under an Indenture, dated as of December 3, 2014 (herein called the &#8220;<font style="font-weight: bold;">Base Indenture</font>&#8221;), among the
        Company, OneMain Holdings, Inc., as a Guarantor (&#8220;<font style="font-weight: bold;">OMH</font>,&#8221; which term includes any successor Person under the Indenture), and Wilmington Trust, National Association, as trustee (herein called the &#8220;<font style="font-weight: bold;">Original Trustee</font>,&#8221; which term includes any successor trustee to the Original Trustee under the Indenture), as amended and supplemented by the Twentieth Supplemental Indenture, dated March 18, 2025 (together with
        the Base Indenture, as amended, supplemented, or otherwise modified from time to time, the &#8220;<font style="font-weight: bold;">Indenture</font>&#8221;), among the Company, OMH, as a Guarantor, and HSBC Bank U.S.A., National Association, as Series Trustee
        (herein called the &#8220;<font style="font-weight: bold;">Trustee</font>,&#8221; which term includes any successor trustee to the Trustee under the Indenture), to which Indenture and all indentures supplemental thereto reference is hereby made for a statement
        of the respective rights, limitations of rights, duties and immunities thereunder of the Company, the Trustee and the Holders of the Notes and of the terms upon which the Notes are, and are to be, authenticated and delivered. This Note is one of
        the series designated on the face hereof, initially limited in aggregate principal amount to $600,000,000. The Initial Notes and Additional Notes shall be treated as a single class of securities for all purposes under the Indenture and will vote on
        all matters as a single class under the Indenture. The terms of the Notes include those stated in the Indenture and those made part of the Indenture by reference to the Trust Indenture Act of 1939, as amended. The Notes are subject to all such
        terms, and Holders are referred to the Indenture and such act for a statement of such terms. The Notes are general obligations of the Company. To the extent a provision of this Note conflicts with the express provisions of the Indenture, the
        provisions of the Indenture shall govern and be controlling.</font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Optional Redemption</font><font style="font-size: 10pt;">.</font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">On and after March 15, 2028, the Company may redeem, at its option, all or, from time to time, part of the Notes, upon not less than 10 nor more than 60 days&#8217; prior notice (with a
      copy to the Trustee), at the applicable Redemption Price set forth below (expressed as a percentage of the principal amount of Notes to be redeemed), plus accrued and unpaid interest on the Notes, if any, to, but excluding, the applicable Redemption
      Date (subject to the right of Holders of record on the relevant Record Date to receive interest due on the relevant Interest Payment Date), if redeemed during the 12-month period beginning on March 15 of each of the years indicated below:</div>
    <div style="font-size: 10pt;">&#160;</div>
    <table cellspacing="0" cellpadding="0" border="0" align="center" class="cfttable" id="zfeddfc62e09c492e9134c4feae983bbe" style="width: 90%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;">

        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%;">
            <div style="font-weight: bold;"><u>Year</u></div>
          </td>
          <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;"><u>&#160;</u></td>
          <td valign="bottom" colspan="2" style="vertical-align: top;">
            <div style="text-align: center; font-weight: bold;"><u>Percentage</u></div>
          </td>
          <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%; background-color: rgb(204, 238, 255);">
            <div>2028&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</div>
          </td>
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          <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
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          </td>
          <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
            <div>%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%;">
            <div>2029&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</div>
          </td>
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          <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>101.6875</div>
          </td>
          <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>%</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%; background-color: rgb(204, 238, 255);">
            <div>2030 and thereafter&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</div>
          </td>
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          <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
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            <div>100.0000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">
            <div>%</div>
          </td>
        </tr>

    </table>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">In addition, prior to March 15, 2028, the Company may redeem, at its option, all or, from time to time, part of the Notes, upon not less than 10 nor more than 60 days&#8217; prior notice
      (with a copy to the Trustee) at a Redemption Price equal to the sum of (i) 100% of the principal amount thereof, plus (ii) the Applicable Premium as of the Redemption Date, plus (iii) accrued and unpaid interest on the Notes, if any, to, but
      excluding, the Redemption Date (subject to the right of Holders of record on the relevant Record Date to receive interest due on the relevant Interest Payment Date).</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="text-indent: 36pt; font-size: 10pt;">For purposes of determining the optional redemption price, the following definitions are applicable:</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Applicable Premium</font>&#8221; means, with respect to any Note on any Redemption Date, the greater of:</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <font style="color: rgb(0, 0, 0);">1.0% of the principal amount of the Note; and</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="color: rgb(0, 0, 0);">the excess, if any, as determined by the Company, of:</font></font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div>
      <div>
        <div style="text-align: justify; color: rgb(0, 0, 0); text-indent: 36pt; margin-left: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="font-size: 10pt;">the present value at such Redemption Date of (x) the
            Redemption Price of the Note at March 15, 2028 (such Redemption Price being set forth in the table appearing under Section 3.02 of the Supplemental Indenture and under &#8220;Optional Redemption&#8221; above), plus (y) all required interest payments due on
            the Note through March 15, 2028 (excluding accrued but unpaid interest to the Redemption Date), discounted to the Redemption Date on a semi-annual basis using a discount rate equal to the Treasury Rate as of such Redemption Date plus 50 basis
            points; over</font></div>
      </div>
    </div>
    <div>
      <div>
        <div style="color: rgb(0, 0, 0); text-indent: 36pt; margin-left: 36pt; font-size: 10pt;"><font style="color: rgb(0, 0, 0);"> <br>
          </font></div>
        <div style="color: rgb(0, 0, 0); text-indent: 36pt; margin-left: 36pt;"><font style="color: rgb(0, 0, 0); font-size: 10pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="font-size: 10pt;">the principal amount of the Note.</font></div>
      </div>
    </div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; font-size: 10pt;">The Company shall calculate the Applicable Premium and the Trustee shall have no responsibility to verify such amount.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Stated Maturity</font>,&#8221; when used with respect to any Note or any installment of principal thereof or any premium or interest thereon, means the
      fixed date on which the principal of such Note or such installment of principal or premium or interest is due and payable.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">&#8220;<font style="font-weight: bold;">Treasury Rate</font>&#8221; means, as of any Redemption Date, the yield to maturity as of such Redemption Date of United States Treasury securities with a
      constant maturity (as compiled and published in the most recent Federal Reserve Statistical Release H.15 (519) that has become publicly available at least two business days prior to the Redemption Date (or, if such Statistical Release is no longer
      published, any publicly available source of similar market data)) most nearly equal to the period from the Redemption Date to March 15, 2028; provided, however, that if the period from the Redemption Date to March 15, 2028 of such Notes is less than
      one year, the weekly average yield on actively traded United States Treasury securities adjusted to a constant maturity of one year will be used.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">Notice of any redemption will be given at least 10 days but not more than 60 days before the Redemption Date to each registered Holder of the Notes to be redeemed; <u>provided</u>
      that redemption notices may be given more than 60 days prior to a Redemption Date if such notice is given in connection with a Legal Defeasance or a Covenant Defeasance or a satisfaction and discharge pursuant to Article XIII of the Base Indenture.
      Unless the Company defaults in payment of the Redemption Price, on and after the Redemption Date, interest will cease to accrue on the Notes or portions of the Notes called for redemption. If fewer than all of the Outstanding Notes are to be
      redeemed, the Trustee will select, not more than 60 days prior to the Redemption Date, the particular Notes or portions thereof for redemption from the Outstanding Notes not previously called by such method as the Trustee deems fair and appropriate
      (or in accordance with Applicable Procedures of the Depositary).</div>
    <div style="font-size: 10pt;">&#160;</div>
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    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">Except as set forth above, the Notes will not be redeemable by the Company prior to Maturity and will not be entitled to the benefit of any sinking fund.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Defaults and Remedies</font><font style="font-size: 10pt;">. If an Event of Default with respect to the Notes shall occur and be
        continuing, the principal of the Notes may be declared due and payable in the manner and with the effect provided in the Indenture.</font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Amendment, Supplement, Modification and Waiver</font><font style="font-size: 10pt;">. The Indenture and the Notes may be amended,
        supplemented or modified as provided in the Indenture.</font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Guarantees</font><font style="font-size: 10pt;">. The Notes shall be guaranteed by OMH as provided in the Indenture.</font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Denominations, Transfer and Exchange</font><font style="font-size: 10pt;">. The Notes are issuable only in registered form without
        coupons in minimum denominations of $2,000 and in integral multiples of $1,000 in excess thereof. As provided in the Indenture and subject to certain limitations therein set forth, the Notes are exchangeable for a like aggregate principal amount of
        Notes of like tenor of a different authorized denomination, as requested by the Holder surrendering the same.</font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">As provided in the Indenture and subject to certain limitations therein set forth, the transfer of this Note is registerable in the Security Register, upon surrender of this Note for
      registration of transfer at the Registrar accompanied by a written request for transfer in form satisfactory to the Company and the Registrar duly executed by, the Holder hereof or his attorney duly authorized in writing, and thereupon one or more
      new Notes and of like tenor, of authorized denominations and for the same aggregate principal amount, will be issued to the designated transferee or transferees.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;">No service charge shall be made for any such registration of transfer or exchange, but the Company may require payment of a sum sufficient to cover any tax or other governmental
      charge payable in connection therewith.</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Persons Deemed Owners</font><font style="font-size: 10pt;">. Prior to due presentment of this Note for registration of transfer,
        the Company, the Trustee and any agent of the Company or the Trustee may treat the Person in whose name this Note is registered as the owner hereof for all purposes, whether or not this Note be overdue, and neither the Company, the Trustee nor any
        such agent shall be affected by notice to the contrary.</font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Miscellaneous</font><font style="font-size: 10pt;">. The Indenture and this Note shall be deemed to be contracts made under the law
        of the State of New York, and for all purposes shall be governed by and construed in accordance with the law of said State.</font></div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; font-size: 10pt;">All terms used in this Note and not defined herein shall have the meanings assigned to them in the Indenture.</div>
    <div style="font-size: 10pt;">&#160;</div>
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    <div style="text-align: center; font-size: 10pt;">SCHEDULE OF INCREASES OR DECREASES IN GLOBAL SECURITY</div>
    <div style="font-size: 10pt;">&#160;</div>
    <div style="text-indent: 36pt; font-size: 10pt;">The following increases or decreases in this Global Security have been made:</div>
    <div style="font-size: 10pt;">&#160;</div>
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              <div>Date of Exchange</div>
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              <div>Amount of increase in </div>
              <div>Principal Amount of this </div>
              <div>Global Security</div>
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              <div>Amount of decrease in </div>
              <div>Principal Amount of this </div>
              <div>Global Security</div>
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              <div>Principal Amount of this </div>
              <div>Global Security following each </div>
              <div>decrease or increase</div>
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              <div>Signature of authorized </div>
              <div>signatory of Trustee</div>
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<DOCUMENT>
<TYPE>EX-5.1
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<FILENAME>ny20044771x8_ex5-1.htm
<DESCRIPTION>EXHIBIT 5.1
<TEXT>
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        <div style="text-align: right; font-weight: bold;"> Exhibit 5.1</div>
        <div><br>
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                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">OneMain Finance Corporation</div>
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">601 N.W. Second Street</div>
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">P.O. Box 59</div>
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">Evansville, IN 47701-0059</div>
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">T 812-424-8031</div>
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        <div style="text-align: right; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">March 13, 2025</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">OneMain Holdings, Inc.</div>
        <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">OneMain Finance Corporation</div>
        <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">601 N.W. Second Street</div>
        <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">Evansville, Indiana 47708</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; margin-left: 36pt; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">RE: Issuance of 6.750% Senior Notes due 2032</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: justify; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">Ladies and Gentlemen:</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">I am Associate General Counsel of OneMain Finance Corporation, an Indiana corporation (&#8220;OMFC&#8221;), and I am delivering this
          opinion in connection with the public offering of $600,000,000 aggregate principal amount of OMFC&#8217;s 6.750% Senior Notes due 2032 (the &#8220;Notes&#8221;) to be issued under the Indenture, dated as of December 3, 2014 (the &#8220;Base Indenture&#8221;), among OMFC,
          OneMain Holdings, Inc., a Delaware corporation, as guarantor (&#8220;OMH&#8221;), and Wilmington Trust, National Association, as trustee, as amended and supplemented by the Twentieth Supplemental Indenture, dated as of March 13, 2025 (together with the Base
          Indenture, the &#8220;Indenture&#8221;), among the Company, the Guarantor and HSBC Bank USA, National Association, as series trustee (the &#8220;Trustee&#8221;), OMFC and OMH entered into an Underwriting Agreement (the &#8220;Underwriting Agreement&#8221;) with Citigroup Global
          Markets Inc., as representative of the several underwriters named therein (the &#8220;Underwriters&#8221;), relating to the sale by OMFC to the Underwriters of the Notes and the guarantee of the Notes provided by OMH (the &#8220;OMH Guarantee&#8221; and, together with
          the Notes, the &#8220;Securities&#8221;).</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">This opinion is being furnished in accordance with the requirements of Item 601(b)(5) of Regulation S-K under the Securities
          Act of 1933, as amended (the &#8220;Securities Act&#8221;).</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: justify; margin-left: 36pt; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">In rendering the opinions stated herein, we have examined and relied upon the following:</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(a)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">the registration statement on Form S-3 (File No. 333-274956) of OMH and OMFC relating to the Securities and other securities of OMH filed with the Securities and Exchange Commission (the &#8220;Commission&#8221;) on October 13, 2023 under the
              Securities Act allowing for delayed offerings pursuant to Rule 415 of the General Rules and Regulations under the Securities Act (the &#8220;Rules and Regulations&#8221;), including information deemed to be a part of the registration statement pursuant
              to Rule 430B of the Rules and Regulations (the &#8220;Registration Statement&#8221;);</font></font></div>
        <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt;"><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);"> <br>
            </font></font></div>
        <div style="text-align: justify; text-indent: 36pt;">
          <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(b)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">an executed copy of the Indenture, including Article XVII of the Base Indenture containing the guaranty obligation of OMH;</font></font></div>
          <font style="font-size: 10pt;"><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);"> </font></font></div>
        <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt;"><font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);"> <br>
            </font></font></div>
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          <div style="width: 100%;" class="BRPFPageHeader">OneMain Holdings, Inc.
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">OneMain Finance Corporation</div>
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">March 13, 2025</div>
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Page 2</div>
          </div>
        </div>
        <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(c)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">an executed copy of the Underwriting Agreement;</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(d)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">executed copies of global certificates evidencing the Notes (the &#8220;Note Certificates&#8221;) delivered by OMFC to the Trustee for authentication and delivery;</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(e)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">a copy of the Articles of Incorporation of OMFC, certified by the Secretary of State of the State of Indiana;</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(f)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">a copy of the Amended and Restated By-Laws of OMFC in effect as of the date hereof; and</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">(g)</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">a copy of certain resolutions of the Board of Directors of OMFC, adopted on November 19, 2014, a copy of the unanimous written consent of the Board of Directors of OMFC, dated October 11, 2023 and a copy of the unanimous written
              consent of the Board of Directors of OMFC, dated February 28, 2025.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">I have also examined originals or copies, certified or otherwise identified to my satisfaction, of such records of OMFC and
          OMH and such agreements, certificates and receipts of public officials, certificates of officers or other representatives of OMFC, OMH and others, and such other documents as I have deemed necessary or appropriate as a basis for the opinions
          stated below.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">In my examination, I have assumed the genuineness of all signatures, including endorsements, the legal capacity and
          competency of all natural persons, the authenticity of all documents submitted to me as originals, the conformity to original documents of all documents submitted to me as facsimile, electronic, certified or photostatic copies, and the
          authenticity of the originals of such copies. As to any facts relevant to the opinions stated herein that I did not independently establish or verify, I have relied upon statements and representations of officers and other representatives of
          OMFC, OMH and others and of public officials.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">I am a member of the Bar of the State of Indiana and the opinions expressed below are limited to the laws of the State of
          Indiana. The Indenture provides that it is governed by the laws of the State of New York. To the extent that the opinions expressed herein relate to matters governed by the laws of the State of New York or the General Corporation Law of the State
          of Delaware (the &#8220;DGCL&#8221;), I have relied, with their permission, as to all matters of New York law and the DGCL, on the opinion of Skadden, Arps, Slate, Meagher &amp; Flom LLP dated the date hereof, which is filed herewith as Exhibit 5.2 to OMFC&#8217;s
          and OMH&#8217;s Current Reports on Form 8&#8209;K dated the date hereof, and my opinion is subject to the exceptions, qualifications and assumptions contained in such opinion.</div>
        <div style="font-size: 10pt;">&#160;</div>
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          <div style="width: 100%;" class="BRPFPageHeader">OneMain Holdings, Inc.
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">OneMain Finance Corporation</div>
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">March 13, 2025</div>
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Page 3</div>
          </div>
        </div>
        <div style="text-align: justify; text-indent: 36pt;">
          <div style="text-align: justify; text-indent: 36pt; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">Based upon and subject to the foregoing and the limitations, qualifications, exceptions and assumptions set forth herein, I
            am of the opinion that:</div>
        </div>
        <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);"> <br>
          </font></div>
        <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">1.</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">The Note Certificates constitute the valid and binding obligation of OMFC enforceable against OMFC in accordance with their terms, except as enforcement thereof may be limited by bankruptcy, insolvency, reorganization, moratorium,
              fraudulent conveyance or similar laws relating to or affecting creditors&#8217; rights generally and by general principles of equity including, without limitation, concepts of materiality, reasonableness, good faith and fair dealing and the
              possible unavailability of specific performance or injunctive relief, regardless of whether considered in a proceeding in equity or at law, and will be entitled to the benefits of the Indenture.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">2.</font><font style="font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">The OMH Guarantee constitutes the valid and binding obligation of OMH, enforceable against OMH in accordance with its terms, except as enforcement thereof may be limited by bankruptcy, insolvency, reorganization, moratorium, fraudulent
              conveyance or similar laws relating to or affecting creditors&#8217; rights generally and by general principles of equity including, without limitation, concepts of materiality, reasonableness, good faith and fair dealing and the possible
              unavailability of specific performance or injunctive relief, regardless of whether considered in a proceeding in equity or at law.</font></font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: justify; text-indent: 36pt; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">I hereby consent to the filing of this opinion with the Commission as Exhibit 5.1 to OMFC&#8217;s and OMH&#8217;s Current Reports on Form
          8-K dated the date hereof. I also hereby consent to the use of my name under the heading &#8220;Legal Matters&#8221; in the prospectus which forms a part of the Registration Statement. In giving this consent, I do not thereby admit that I am within the
          category of persons whose consent is required under Section 7 of the Securities Act or the Rules and Regulations. This opinion is expressed as of the date hereof unless otherwise expressly stated, and I disclaim any undertaking to advise you of
          any subsequent changes in the facts stated or assumed herein or of any subsequent changes in applicable law.</div>
        <div style="text-align: justify; text-indent: 36pt; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"> <br>
        </div>
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          <div style="width: 100%;" class="BRPFPageHeader">OneMain Holdings, Inc.
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">OneMain Finance Corporation</div>
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">March 13, 2025</div>
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Page 4</div>
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                <td style="width: 5%; vertical-align: top; font-size: 10pt;" rowspan="1" colspan="2">
                  <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">Very truly yours,</div>
                </td>
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                <td style="width: 50%; vertical-align: top; font-size: 10pt;" rowspan="1"><br>
                </td>
                <td style="width: 5%; vertical-align: top; font-size: 10pt;" rowspan="1"><br>
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                <td style="width: 50%; vertical-align: top; font-size: 10pt;">&#160;</td>
                <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">By:</div>
                </td>
                <td style="width: 45%; vertical-align: top; border-bottom: 2px solid black; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman'; font-style: italic;">/s/ Jeffrey M. Gershon</div>
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                <td style="width: 50%; vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
                <td style="width: 5%; vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
                <td style="width: 45%; vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
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                <td style="width: 50%; vertical-align: top; font-size: 10pt;">&#160;</td>
                <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Name:</div>
                </td>
                <td style="width: 45%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Jeffrey M. Gershon</div>
                </td>
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                <td style="width: 50%; vertical-align: top; font-size: 10pt;">&#160;</td>
                <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Title:</div>
                </td>
                <td style="width: 45%; vertical-align: top; font-size: 10pt;">
                  <div style="text-align: left; font-family: 'Times New Roman';">Associate General Counsel of OneMain Finance Corporation</div>
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        <div style="text-align: center; font-size: 10pt; font-style: italic;">[Signature Page to Opinion of the Associate General Counsel of OMFC]</div>
        <div style="text-align: center;"> <br>
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<DOCUMENT>
<TYPE>EX-5.2
<SEQUENCE>4
<FILENAME>ny20044771x8_ex5-2.htm
<DESCRIPTION>EXHIBIT 5.2
<TEXT>
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      <div style="text-align: right;"><font style="font-weight: bold; font-variant: normal; font-size: 10pt;">Exhibit 5.2</font><br>
      </div>
      <div style="text-align: right;"><font style="font-weight: bold; font-variant: normal; font-size: 10pt;"> <br>
        </font></div>
      Skadden, Arps, Slate, Meagher &amp; Flom llp</div>
    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">ONE MANHATTAN WEST</div>
    <div style="text-align: center; margin-top: 2pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">NEW YORK, NY 10001</div>
    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">________</div>
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              <div>&#160;</div>
            </td>
            <td style="vertical-align: top; width: 33.33%;">
              <div>
                <div style="text-align: center; margin-top: 2pt; font-family: 'Times New Roman',Times,serif; font-size: 8pt;">TEL: (212) 735-3000</div>
                <div style="text-align: center; margin-top: 2pt; font-family: 'Times New Roman',Times,serif; font-size: 8pt;">FAX: (212) 735-2000</div>
                <div style="text-align: center; margin-bottom: 66pt; font-family: 'Times New Roman',Times,serif; font-size: 8pt;">www.skadden.com</div>
              </div>
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                <div style="margin-top: 2pt;">
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">FIRM/AFFILIATE OFFICES</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">-----------</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">BOSTON</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">CHICAGO</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">HOUSTON</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">LOS ANGELES</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">PALO ALTO</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">WASHINGTON, D.C.</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">WILMINGTON</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">-----------</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">ABU DHABI</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">BEIJING</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">BRUSSELS</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">FRANKFURT</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">HONG KONG</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">LONDON</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">MUNICH</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">PARIS</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">S&#195;O PAULO</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">SEOUL</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">SINGAPORE</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">TOKYO</div>
                  <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">TORONTO</div>
                </div>
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    <div style="margin: 0px; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: center;">March 13, 2025</div>
    <div style="margin: 0px; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: center;"> <br>
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            <div style="text-align: left; font-family: 'Times New Roman',Times,serif;">OneMain Holdings, Inc.<font style="font-family: 'Times New Roman',Times,serif;"><br>
              </font>OneMain Finance Corporation<font style="font-family: 'Times New Roman',Times,serif;"><br>
              </font>601 N.W. Second Street<font style="font-family: 'Times New Roman',Times,serif;"><br>
              </font>Evansville, Indiana 47708</div>
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    <div style="text-align: left; text-indent: 72pt; margin-top: 12pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">RE:&#160; <font style="font-family: 'Times New Roman',Times,serif;"><u>OneMain Finance Corporation: Senior
          Notes Offering</u></font></div>
    <div style="text-align: left; margin-bottom: 11pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">Ladies and Gentlemen:</div>
    <div style="text-align: left; text-indent: 36pt; margin-top: 12pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">We have acted as special United States counsel to OneMain Finance Corporation, an Indiana corporation<font style="font-family: 'Times New Roman',Times,serif; font-style: italic;">&#160;</font>(the &#8220;<font style="font-family: 'Times New Roman',Times,serif;"><u>Company</u></font>&#8221;), in connection with the public offering of $600,000,000 aggregate principal
      amount of the Company&#8217;s <font style="font-family: 'Times New Roman',Times,serif;">6.750</font>% Senior Notes due 20<font style="font-family: 'Times New Roman',Times,serif;">32</font> (the &#8220;<font style="font-family: 'Times New Roman',Times,serif;"><u>Notes</u></font>&#8221;)



      to be issued under the Indenture, dated as of December 3, 2014 (the &#8220;<font style="font-family: 'Times New Roman',Times,serif;"><u>Base Indenture</u></font>&#8221;), among the Company, OneMain Holdings, Inc., a Delaware corporation, as guarantor (the &#8220;<font style="font-family: 'Times New Roman',Times,serif;"><u>Guarantor</u></font>&#8221;) and Wilmington Trust, National Association, as trustee, as amended and supplemented by the Twentieth Supplemental Indenture, dated as of <font style="font-family: 'Times New Roman',Times,serif;">March 13, 2025</font> (the &#8220;<font style="font-family: 'Times New Roman',Times,serif;"><u>Twentieth Supplemental Indenture</u></font>&#8221; and, together with the Base Indenture, the &#8220;<font style="font-family: 'Times New Roman',Times,serif;"><u>Indenture</u></font>&#8221;), among the Company, the Guarantor and HSBC Bank USA, National Association, as series trustee (in such capacity, the &#8220;<font style="font-family: 'Times New Roman',Times,serif;"><u>Trustee</u></font>&#8221;).
      The Indenture provides that the Notes are to be guaranteed by the Guarantor (such Guarantee (as defined below), together with the Notes, the &#8220;<font style="font-family: 'Times New Roman',Times,serif;"><u>Securities</u></font>&#8221;).</div>
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    <div style="margin: 12pt 0px; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; text-indent: 0px;"> OneMain Holdings, Inc.<br>
      OneMain Finance Corporation<br>
      March 13, 2025<br>
      Page 2<br>
    </div>
    <div style="text-align: left; text-indent: 36pt; margin-top: 12pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">This opinion letter is being furnished in accordance with the requirements of Item 601(b)(5) of
      Regulation S-K under the Securities Act of 1933 (the &#8220;<font style="font-family: 'Times New Roman',Times,serif;"><u>Securities Act</u></font>&#8221;).</div>
    <div style="text-align: left; text-indent: 36pt; margin-top: 12pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">In rendering the opinions stated herein, we have examined and relied upon the following:</div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(a)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">the registration statement on Form S-3 (File No. 333-274956) of the Company and the Guarantor relating to debt securities and other securities
        of the Company and the Guarantor filed on October 13, 2023 with the Securities and Exchange Commission (the &#8220;<font style="font-family: 'Times New Roman',Times,serif;"><u>Commission</u></font>&#8221;) under the Securities Act allowing for delayed
        offerings pursuant to Rule 415 of the General Rules and Regulations under the Securities Act (the &#8220;<font style="font-family: 'Times New Roman',Times,serif;"><u>Rules and Regulations</u></font>&#8221;), including the information deemed to be a part of the
        registration statement pursuant to Rule 430B of the Rules and Regulations (such registration statement being hereinafter referred to as the &#8220;<font style="font-family: 'Times New Roman',Times,serif;"><u>Registration Statement</u></font>&#8221;);</font></div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(b)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">the prospectus, dated October 13, 2023 (the &#8220;<u>Base Prospectus</u>&#8221;), which forms a part of and is included in the Registration Statement;</font></div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(c)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">the preliminary prospectus supplement, dated March 4, 2025 (together with the Base Prospectus, the &#8220;<u>Preliminary Prospectus</u>&#8221;), relating
        to the offering of the Securities, in the form filed with the Commission pursuant to Rule 424(b) of the Rules and Regulations;</font></div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(d)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">the prospectus supplement, dated March 4, 2025 (together with the Base Prospectus, the &#8220;<u>Prospectus</u>&#8221;), relating to the offering of the
        Securities, in the form filed with the Commission pursuant to Rule 424(b) of the Rules and Regulations;</font></div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(e)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">an executed copy of the Underwriting Agreement, dated March 4, 2025 (the &#8220;<u>Underwriting Agreement</u>&#8221;), among the Company, the Guarantor,
        and Citigroup Global Markets Inc., as representative of the several Underwriters named therein (the &#8220;<u>Underwriters</u>&#8221;), relating to the sale by the Company and the Guarantor to the Underwriters of the Securities;</font></div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(f)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">an executed copy of the Indenture, including Article XVII of the Base Indenture and Article 10 of the Twentieth Supplemental Indenture
        containing the guaranty obligations of the Guarantor (the &#8220;<u>Guarantee</u>&#8221;);</font></div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(g)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">the global certificates evidencing the Notes, executed by the Company and registered in the name of Cede &amp; Co. (the &#8220;<u>Note Certificates</u>&#8221;),
        delivered by the Company to the Trustee for authentication and delivery;</font></div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(h)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">a copy of the Restated Certificate of Incorporation of the Guarantor, as amended, certified by the Secretary of State of the State of Delaware
        and certified pursuant to the Guarantor Secretary&#8217;s Certificate;</font></div>
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    <div style="margin: 12pt 0px; text-indent: 0px;">OneMain Holdings, Inc.<br>
      OneMain Finance Corporation<br>
      March 13, 2025<br>
      Page 3<br>
    </div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(i)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">a copy of the Restated Certificate of Incorporation of the Guarantor, formerly known as Springleaf Holdings, Inc., in effect on November 19,
        2014, and certified pursuant to the Guarantor Secretary&#8217;s Certificate;</font></div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(j)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">a copy of the Amended and Restated Bylaws of the Guarantor, as amended and in effect as of the date hereof and certified pursuant to the
        Guarantor Secretary&#8217;s Certificate (as defined below);</font></div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(k)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">a copy of the Amended and Restated Bylaws of the Guarantor, formerly known as Springleaf Holdings, Inc., in effect on November 19, 2014, and
        certified pursuant to the Guarantor Secretary&#8217;s Certificate;</font></div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(l)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">a copy of certain resolutions of the Board of Directors of the Guarantor, adopted on November 19, 2014, a copy of certain resolutions of the
        Board of Directors of the Guarantor, adopted on January 23, 2025 and a copy of the unanimous written consent of the Executive Committee of the Board of Directors of the Guarantor, adopted on February 28, 2025, each certified pursuant to the
        Guarantor Secretary&#8217;s Certificate;</font></div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(m)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">an executed copy of a certificate of Lily Fu Claffee, Executive Vice President, General Counsel, Secretary and Chief Legal Officer of the
        Company, dated the date hereof (the &#8220;<u>Company Secretary&#8217;s Certificate</u>&#8221;); and</font></div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(n)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">an executed copy of a certificate of Lily Fu Claffee, Executive Vice President, General Counsel, Secretary and Chief Legal Officer of the
        Guarantor, dated the date hereof (the &#8220;<u>Guarantor Secretary&#8217;s Certificate</u>&#8221; and, together with the Company Secretary&#8217;s Certificate, the &#8220;<u>Secretary&#8217;s Certificates</u>&#8221;).</font></div>
    <div style="text-align: left; text-indent: 36pt; margin-top: 12pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">We have also examined originals or copies, certified or otherwise identified to our satisfaction, of
      such records of the Company and the Guarantor and such agreements, certificates and receipts of public officials, certificates of officers or other representatives of the Company, the Guarantor and others, and such other documents as we have deemed
      necessary or appropriate as a basis for the opinions stated below.</div>
    <div style="text-align: left; text-indent: 36pt; margin-top: 12pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">In our examination, we have assumed the genuineness of all signatures, including electronic
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    <div style="margin: 0px 0px; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; text-indent: 0px;"> OneMain Holdings, Inc.<br>
      OneMain Finance Corporation<br>
      March 13, 2025<br>
      Page 4<br>
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    <div style="text-align: left; text-indent: 36pt; margin-top: 12pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">We do not express any opinion with respect to the laws of any jurisdiction other than (i) the laws of
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    <div style="text-align: left; text-indent: 36pt; margin-top: 12pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">As used herein, &#8220;<font style="font-family: 'Times New Roman',Times,serif;"><u>Transaction Documents</u></font>&#8221;
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    <div style="text-align: left; text-indent: 36pt; margin-top: 12pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">Based upon the foregoing and subject to the qualifications and assumptions stated herein, we are of
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    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">2.</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 36pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">The Guarantee has been duly authorized by all requisite corporate action on the part of the Guarantor under the DGCL and, when the Note Certificates
        are issued and delivered by the Company against payment therefor in accordance with the terms of the Underwriting Agreement and the Indenture, the Guarantee will constitute the valid and binding obligation of the Guarantor, enforceable against the
        Guarantor in accordance with its terms under the laws of the State of New York.</font></div>
    <div style="text-align: left; text-indent: 36pt; margin-top: 12pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">The opinions stated herein are subject to the following assumptions and qualifications:</div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(a)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">we do not express any opinion with respect to the effect on the opinions stated herein of any bankruptcy, insolvency, reorganization,
        moratorium, fraudulent transfer, preference and other similar laws or governmental orders affecting creditors&#8217; rights generally, and the opinions stated herein are limited by such laws and governmental orders and by general principles of equity
        (regardless of whether enforcement is sought in equity or at law);</font></div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(b)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">we do not express any opinion with respect to any law, rule or regulation that is applicable to any party to any of the Transaction Documents
        or the transactions contemplated thereby solely because such law, rule or regulation is part of a regulatory regime applicable to any such party or any of its affiliates as a result of the specific assets or business operations of such party or
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    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(c)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">except to the extent expressly stated in the opinions contained herein, we have assumed that each of the Transaction Documents constitutes the
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    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(d)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">we do not express any opinion with respect to the enforceability of any provision contained in any Transaction Document relating to any
        indemnification, contribution, non-reliance, exculpation, release, limitation or exclusion of remedies, waiver or other provisions having similar effect that may be contrary to public policy or violative of federal or state securities laws, rules
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    <div style="margin: 0px 0px; text-indent: 0px;">OneMain Holdings, Inc.<br>
      OneMain Finance Corporation<br>
      March 13, 2025<br>
      Page 5<br>
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    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(e)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">we do not express any opinion with respect to the enforceability of the provisions contained in Section 17.03 of the Base Indenture to the
        extent that such provisions limit the obligation of the Guarantor under the Indenture or any right of contribution of any party with respect to the Guarantee;</font></div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(f)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">we do not express any opinion with respect to the enforceability of Article XVII of the Base Indenture to the extent that such section provides
        that the obligations of the Guarantor are absolute and unconditional irrespective of the enforceability or genuineness of the Indenture or the effect thereof on the opinions herein stated;</font></div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(g)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">we do not express any opinion whether the execution or delivery of any Transaction Document by the Company or the Guarantor, or the performance
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        condition or results of operations of the Company or the Guarantor or any of their respective subsidiaries;</font></div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(h)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">the opinions stated herein are limited to the agreements and documents specifically identified in the opinions contained herein (the &#8220;<u>Specified


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        agreement or document relating to any such Specified Document that is not a Transaction Document;</font></div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(i)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">we call to your attention that irrespective of the agreement of the parties to any Transaction Document, a court may decline to hear a case on
        grounds of forum non conveniens or other doctrine limiting the availability of such court as a forum for resolution of disputes; in addition, we call to your attention that we do not express any opinion with respect to the subject matter
        jurisdiction of the federal courts of the United States of America in any action arising out of or relating to any Transaction Document; and</font></div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(j)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">we do not express any opinion with respect to the enforceability of any provision contained in any Transaction Document with respect to the
        choice of law or the choice of forum of the parties to such Transaction Document and we have assumed that such choices are valid and effective under all applicable laws.</font></div>
    <div style="text-align: left; text-indent: 36pt; margin-top: 12pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">In addition, in rendering the foregoing opinions we have also assumed that, at all applicable times:</div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(a)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">the Company (i) was duly incorporated and was validly existing and in good standing, (ii) had requisite legal status and legal capacity under
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        under, the Transaction Documents;</font></div>
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    <div style="margin: 0px 0px; text-indent: 0px;">OneMain Holdings, Inc.<br>
      OneMain Finance Corporation<br>
      March 13, 2025<br>
      Page 6<br>
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    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(b)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">the Company had the corporate power and authority to execute, deliver and perform all its obligations under each of the Transaction Documents;</font></div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(c)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">each of the Transaction Documents had been duly authorized, executed and delivered by all requisite corporate action on the part of the
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        party nor the performance by the Company and the Guarantor of their respective obligations thereunder, including the issuance and sale of the Securities contemplated thereby: (i) conflicted or will conflict with the certificate of incorporation,
        bylaws, or any other comparable organizational document of the Company, (ii) constituted or will constitute a violation of, or a default under, any lease, indenture, agreement or other instrument to which the Company or the Guarantor or their
        respective properties are subject (except that we do not make the assumption set forth in this clause (ii) with respect to those agreements and instruments expressed to be governed by the laws of the State of New York which are listed in Part II of
        the Registration Statement or the Company&#8217;s and the Guarantor&#8217;s combined Annual Report on Form 10-K for the year ended December 31, 2024), (iii) contravened or will contravene any order or decree of any governmental authority to which the Company
        or the Guarantor or their respective properties are subject, or (iv) violated or will violate any law, rule or regulation to which the Company or the Guarantor or their respective properties are subject (except that we do not make the assumption
        set forth in this clause (iv) with respect to the Opined-on Law);</font></div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; text-indent: 39.6pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">(e)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 10pt; width: 32.4pt;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">neither the execution and delivery by the Company or the Guarantor of the Transaction Documents to which the Company or the Guarantor is a
        party nor the performance by the Company and the Guarantor of their respective obligations thereunder, including the issuance and sale of the Securities contemplated thereby, required or will require the consent, approval, licensing or
        authorization of, or any filing, recording or registration with, any governmental authority under any law, rule or regulation of any jurisdiction; and</font></div>
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    <div style="text-align: left; text-indent: 36pt; margin-top: 12pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">Jeffrey M. Gershon, Associate General Counsel of the Company, may rely on this opinion, subject to the
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    <div style="margin: 0px 0px; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; text-indent: 0px;"> <a name="Consent5-2"><!--Anchor--></a>OneMain Holdings, Inc.<br>
      OneMain Finance Corporation<br>
      March 13, 2025<br>
      Page 7<br>
    </div>
    <div style="text-align: left; text-indent: 36pt; margin-top: 12pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">We hereby consent to the reference to our firm under the heading &#8220;Legal Matters&#8221; in the Preliminary
      Prospectus and the Prospectus. In giving this consent, we do not thereby admit that we are within the category of persons whose consent is required under Section 7 of the Securities Act or the Rules and Regulations. We also hereby consent to the
      filing of this opinion letter with the Commission as an exhibit to the Company&#8217;s Current Report on Form 8-K being filed on the date hereof and incorporated by reference into the Registration Statement. This opinion letter is expressed as of the date
      hereof unless otherwise expressly stated, and we disclaim any undertaking to advise you of any subsequent changes in the facts stated or assumed herein or of any subsequent changes in applicable laws.</div>
    <div style="margin-top: 12pt; margin-bottom: 12pt; font-size: 10pt;">
      <table cellspacing="0" cellpadding="0" border="0" id="z00efdca2dbd14cfebb93c46b26814fe2" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; color: #000000; width: 100%;">

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              <div>&#160;</div>
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            <td style="width: 50%; text-align: center;">Very truly yours,</td>
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              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>&#160;</div>
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            <td style="width: 50%; font-style: italic; text-align: center;">/s/ Skadden, Arps, Slate, Meagher &amp; Flom LLP</td>
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    <div style="text-align: left; text-indent: 36pt; margin-top: 12pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">MJS</div>
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<FILENAME>omf-20250313_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by Broadridge PROfile 25.1.1.5279 Broadridge-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" />
  <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CoverAbstract" xlink:label="CoverAbstract" xlink:title="CoverAbstract" />
    <link:label xlink:type="resource" xlink:label="dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CoverAbstract" xml:lang="en-US" id="dei_CoverAbstract">Cover [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CoverAbstract" xlink:to="dei_CoverAbstract" xlink:title="label: CoverAbstract to dei_CoverAbstract" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentType" xlink:label="DocumentType" xlink:title="DocumentType" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentType" xml:lang="en-US" id="dei_DocumentType">Document Type</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentType" xlink:to="dei_DocumentType" xlink:title="label: DocumentType to dei_DocumentType" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_WrittenCommunications" xlink:label="WrittenCommunications" xlink:title="WrittenCommunications" />
    <link:label xlink:type="resource" xlink:label="dei_WrittenCommunications" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_WrittenCommunications" xml:lang="en-US" id="dei_WrittenCommunications">Written Communications</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WrittenCommunications" xlink:to="dei_WrittenCommunications" xlink:title="label: WrittenCommunications to dei_WrittenCommunications" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_SolicitingMaterial" xlink:label="SolicitingMaterial" xlink:title="SolicitingMaterial" />
    <link:label xlink:type="resource" xlink:label="dei_SolicitingMaterial" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_SolicitingMaterial" xml:lang="en-US" id="dei_SolicitingMaterial">Soliciting Material</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SolicitingMaterial" xlink:to="dei_SolicitingMaterial" xlink:title="label: SolicitingMaterial to dei_SolicitingMaterial" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_PreCommencementTenderOffer" xlink:label="PreCommencementTenderOffer" xlink:title="PreCommencementTenderOffer" />
    <link:label xlink:type="resource" xlink:label="dei_PreCommencementTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_PreCommencementTenderOffer" xml:lang="en-US" id="dei_PreCommencementTenderOffer">Pre-commencement Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer" xlink:title="label: PreCommencementTenderOffer to dei_PreCommencementTenderOffer" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="PreCommencementIssuerTenderOffer" xlink:title="PreCommencementIssuerTenderOffer" />
    <link:label xlink:type="resource" xlink:label="dei_PreCommencementIssuerTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_PreCommencementIssuerTenderOffer" xml:lang="en-US" id="dei_PreCommencementIssuerTenderOffer">Pre-commencement Issuer Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer" xlink:title="label: PreCommencementIssuerTenderOffer to dei_PreCommencementIssuerTenderOffer" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AmendmentFlag" xlink:label="AmendmentFlag" xlink:title="AmendmentFlag" />
    <link:label xlink:type="resource" xlink:label="dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_AmendmentFlag" xml:lang="en-US" id="dei_AmendmentFlag">Amendment Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmendmentFlag" xlink:to="dei_AmendmentFlag" xlink:title="label: AmendmentFlag to dei_AmendmentFlag" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFiscalYearFocus" xlink:label="DocumentFiscalYearFocus" xlink:title="DocumentFiscalYearFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalYearFocus" xml:lang="en-US" id="dei_DocumentFiscalYearFocus">Document Fiscal Year Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus" xlink:title="label: DocumentFiscalYearFocus to dei_DocumentFiscalYearFocus" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="DocumentFiscalPeriodFocus" xlink:title="DocumentFiscalPeriodFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalPeriodFocus" xml:lang="en-US" id="dei_DocumentFiscalPeriodFocus">Document Fiscal Period Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus" xlink:title="label: DocumentFiscalPeriodFocus to dei_DocumentFiscalPeriodFocus" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentPeriodEndDate" xlink:label="DocumentPeriodEndDate" xlink:title="DocumentPeriodEndDate" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentPeriodEndDate" xml:lang="en-US" id="dei_DocumentPeriodEndDate">Document Period End Date</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate" xlink:title="label: DocumentPeriodEndDate to dei_DocumentPeriodEndDate" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
    <link:label xlink:type="resource" xlink:label="dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityRegistrantName" xml:lang="en-US" id="dei_EntityRegistrantName">Entity Registrant Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityRegistrantName" xlink:to="dei_EntityRegistrantName" xlink:title="label: EntityRegistrantName to dei_EntityRegistrantName" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCentralIndexKey" xlink:label="EntityCentralIndexKey" xlink:title="EntityCentralIndexKey" />
    <link:label xlink:type="resource" xlink:label="dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityCentralIndexKey" xml:lang="en-US" id="dei_EntityCentralIndexKey">Entity Central Index Key</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey" xlink:title="label: EntityCentralIndexKey to dei_EntityCentralIndexKey" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityFileNumber" xlink:label="EntityFileNumber" xlink:title="EntityFileNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityFileNumber" xml:lang="en-US" id="dei_EntityFileNumber">Entity File Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityFileNumber" xlink:to="dei_EntityFileNumber" xlink:title="label: EntityFileNumber to dei_EntityFileNumber" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityTaxIdentificationNumber" xlink:label="EntityTaxIdentificationNumber" xlink:title="EntityTaxIdentificationNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityTaxIdentificationNumber" xml:lang="en-US" id="dei_EntityTaxIdentificationNumber">Entity Tax Identification Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber" xlink:title="label: EntityTaxIdentificationNumber to dei_EntityTaxIdentificationNumber" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="EntityIncorporationStateCountryCode" xlink:title="EntityIncorporationStateCountryCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityIncorporationStateCountryCode" xml:lang="en-US" id="dei_EntityIncorporationStateCountryCode">Entity Incorporation, State or Country Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode" xlink:title="label: EntityIncorporationStateCountryCode to dei_EntityIncorporationStateCountryCode" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityEmergingGrowthCompany" xlink:label="EntityEmergingGrowthCompany" xlink:title="EntityEmergingGrowthCompany" />
    <link:label xlink:type="resource" xlink:label="dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityEmergingGrowthCompany" xml:lang="en-US" id="dei_EntityEmergingGrowthCompany">Entity Emerging Growth Company</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany" xlink:title="label: EntityEmergingGrowthCompany to dei_EntityEmergingGrowthCompany" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine1" xlink:label="EntityAddressAddressLine1" xlink:title="EntityAddressAddressLine1" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine1" xml:lang="en-US" id="dei_EntityAddressAddressLine1">Entity Address, Address Line One</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1" xlink:title="label: EntityAddressAddressLine1 to dei_EntityAddressAddressLine1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine2" xlink:label="EntityAddressAddressLine2" xlink:title="EntityAddressAddressLine2" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine2" xml:lang="en-US" id="dei_EntityAddressAddressLine2">Entity Address, Address Line Two</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2" xlink:title="label: EntityAddressAddressLine2 to dei_EntityAddressAddressLine2" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine3" xlink:label="EntityAddressAddressLine3" xlink:title="EntityAddressAddressLine3" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine3" xml:lang="en-US" id="dei_EntityAddressAddressLine3">Entity Address, Address Line Three</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine3" xlink:to="dei_EntityAddressAddressLine3" xlink:title="label: EntityAddressAddressLine3 to dei_EntityAddressAddressLine3" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressCityOrTown" xlink:label="EntityAddressCityOrTown" xlink:title="EntityAddressCityOrTown" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCityOrTown" xml:lang="en-US" id="dei_EntityAddressCityOrTown">Entity Address, City or Town</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown" xlink:title="label: EntityAddressCityOrTown to dei_EntityAddressCityOrTown" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressStateOrProvince" xlink:label="EntityAddressStateOrProvince" xlink:title="EntityAddressStateOrProvince" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressStateOrProvince" xml:lang="en-US" id="dei_EntityAddressStateOrProvince">Entity Address, State or Province</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince" xlink:title="label: EntityAddressStateOrProvince to dei_EntityAddressStateOrProvince" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressCountry" xlink:label="EntityAddressCountry" xlink:title="EntityAddressCountry" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCountry" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCountry" xml:lang="en-US" id="dei_EntityAddressCountry">Entity Address, Country</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressCountry" xlink:to="dei_EntityAddressCountry" xlink:title="label: EntityAddressCountry to dei_EntityAddressCountry" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressPostalZipCode" xml:lang="en-US" id="dei_EntityAddressPostalZipCode">Entity Address, Postal Zip Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode" xlink:title="label: EntityAddressPostalZipCode to dei_EntityAddressPostalZipCode" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CityAreaCode" xlink:label="CityAreaCode" xlink:title="CityAreaCode" />
    <link:label xlink:type="resource" xlink:label="dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CityAreaCode" xml:lang="en-US" id="dei_CityAreaCode">City Area Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CityAreaCode" xlink:to="dei_CityAreaCode" xlink:title="label: CityAreaCode to dei_CityAreaCode" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:label xlink:type="resource" xlink:label="dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_LocalPhoneNumber" xml:lang="en-US" id="dei_LocalPhoneNumber">Local Phone Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber" xlink:title="label: LocalPhoneNumber to dei_LocalPhoneNumber" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
    <link:label xlink:type="resource" xlink:label="dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_Security12bTitle" xml:lang="en-US" id="dei_Security12bTitle">Title of 12(b) Security</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Security12bTitle" xlink:to="dei_Security12bTitle" xlink:title="label: Security12bTitle to dei_Security12bTitle" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
    <link:label xlink:type="resource" xlink:label="dei_NoTradingSymbolFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_NoTradingSymbolFlag" xml:lang="en-US" id="dei_NoTradingSymbolFlag">No Trading Symbol Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoTradingSymbolFlag" xlink:to="dei_NoTradingSymbolFlag" xlink:title="label: NoTradingSymbolFlag to dei_NoTradingSymbolFlag" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_TradingSymbol" xlink:label="TradingSymbol" xlink:title="TradingSymbol" />
    <link:label xlink:type="resource" xlink:label="dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_TradingSymbol" xml:lang="en-US" id="dei_TradingSymbol">Trading Symbol</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TradingSymbol" xlink:to="dei_TradingSymbol" xlink:title="label: TradingSymbol to dei_TradingSymbol" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_SecurityExchangeName" xlink:label="SecurityExchangeName" xlink:title="SecurityExchangeName" />
    <link:label xlink:type="resource" xlink:label="dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_SecurityExchangeName" xml:lang="en-US" id="dei_SecurityExchangeName">Security Exchange Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SecurityExchangeName" xlink:to="dei_SecurityExchangeName" xlink:title="label: SecurityExchangeName to dei_SecurityExchangeName" />
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>7
<FILENAME>omf-20250313_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm45110251068784">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Mar. 13, 2025</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Mar. 13,  2025<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-36129<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">OneMain Holdings, Inc.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001584207<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">27-3379612<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">601 N.W. Second Street<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Evansville<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">IN<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">47708<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">812<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">424-8031<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, par value $0.01 per share<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">OMF<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
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<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14a<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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