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<font style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman'; FONT-VARIANT: normal; FONT-WEIGHT: bold; FONT-STYLE: normal">UNITED STATES</font></div>

<div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman'; FONT-VARIANT: normal; FONT-WEIGHT: bold; FONT-STYLE: normal; TEXT-ALIGN: center">SECURITIES AND EXCHANGE COMMISSION</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman'; FONT-VARIANT: normal; FONT-WEIGHT: bold; FONT-STYLE: normal; TEXT-ALIGN: center">WASHINGTON, D.C. 20549</div>

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<div style="FONT-SIZE: 18pt; FONT-FAMILY: 'Times New Roman'; FONT-VARIANT: normal; FONT-WEIGHT: bold; FONT-STYLE: normal; TEXT-ALIGN: center">FORM 8-K</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; FONT-WEIGHT: bold; TEXT-ALIGN: center">CURRENT REPORT</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; FONT-WEIGHT: bold; TEXT-ALIGN: center">PURSUANT TO SECTION 13 OR 15(d) OF THE</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; FONT-WEIGHT: bold; TEXT-ALIGN: center">SECURITIES EXCHANGE ACT OF 1934</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; FONT-WEIGHT: bold; TEXT-ALIGN: center">DATE OF REPORT (Date of earliest event reported): December 8, 2017 (December 5, 2017)</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; FONT-WEIGHT: bold; TEXT-ALIGN: center">601 N.W. Second Street,</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left">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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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left">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>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left">Emerging growth company <font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'">&#9744;</font></div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left">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. <font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'">&#9744;</font></div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; FONT-STYLE: italic; TEXT-ALIGN: left">Underwriting Agreement</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left">On December 5, 2017, Springleaf Finance Corporation (&#8220;SFC,&#8221; &#8220;we,&#8221; &#8220;us&#8221; or &#8220;our&#8221;) entered into an underwriting agreement (the &#8220;Underwriting Agreement&#8221;) with OneMain Holdings, Inc. (&#8220;OMH&#8221;), as guarantor, and Goldman Sachs &amp; Co. LLC, as representative of the several underwriters named therein (the &#8220;Underwriters&#8221;), relating to the issuance and sale of $875 million aggregate principal amount of our 5.625% Senior Notes due 2023 (the &#8220;Notes&#8221;) in a public offering made pursuant to a registration statement and related prospectus supplement filed with the Securities and Exchange Commission (the &#8220;SEC&#8221;). As further described below, the offering closed on December 8, 2017.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left">The Underwriting Agreement includes customary representations, warranties and covenants by each of SFC and OMH. It also provides for customary indemnification by each of SFC, OMH and the Underwriters against certain liabilities and customary contribution provisions in respect of those liabilities.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left">The foregoing description of the Underwriting Agreement does not purport to be complete and is qualified in its entirety by reference to Exhibit 1.1 to this Current Report on Form 8-K which is incorporated herein by reference.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left">Some of the Underwriters and their affiliates have engaged in, and may in the future engage in, investment banking and other commercial dealings in the ordinary course of business with OMH, its subsidiaries or affiliates, including SFC. They have received, or may in the future receive, customary fees and commissions for these transactions. Some of the underwriters and their affiliates have entered into, and may in the future enter into, financing arrangements (including offerings of asset-backed notes) in which they act as initial purchaser or serve as lender to OMH, its subsidiaries or affiliates, including SFC and OneMain Financial Holdings, LLC, an indirect subsidiary of OMH.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; FONT-STYLE: italic; TEXT-ALIGN: left">Supplemental Indenture</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left">On December 8, 2017, SFC issued the Notes under an Indenture, dated as of December<font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; FONT-WEIGHT: bold">&#160;</font>3, 2014 (the &#8220;Base Indenture&#8221;), among SFC, as issuer, OMH, as guarantor, and Wilmington Trust, National Association, as trustee (the &#8220;Trustee&#8221;), as supplemented by a Fourth Supplemental Indenture, dated as of December 8, 2017 (the &#8220;Supplemental Indenture&#8221; and, together with the Base Indenture, the &#8220;Indenture&#8221;), among SFC, OMH and the Trustee. The Notes were offered pursuant to a Prospectus Supplement, dated December 5, 2017, to the Prospectus, dated November 7, 2017, filed as part of SFC&#8217;s Registration Statement on Form S-3 (Registration No. 333-221391) filed with the SEC. The Notes will be guaranteed on an unsecured basis by OMH.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left">SFC intends to use the net proceeds from the offering of the Notes for general corporate purposes, which may include debt repurchases and repayments.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left">The Notes will mature on March 15, 2023 and bear interest at a rate of 5.625% per annum, payable semiannually in arrears on March 15 and September 15 of each year, beginning on March 15, 2018. The Notes are our senior unsecured obligations and rank equally in right of payment to all of our other existing and future unsubordinated indebtedness from time to time outstanding. <font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'">The Notes are guaranteed by our indirect parent company, OMH, but the Notes will not be guaranteed by any of our subsidiaries or any other party. </font>The Notes are effectively subordinated to all of our secured obligations to the extent of the value of the assets securing such obligations and structurally subordinated to any existing and future obligations of our subsidiaries with respect to claims against the assets of such subsidiaries.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left">The Notes may be redeemed at any time and from time to time, at the option of SFC, in whole or in part at a &#8220;make-whole&#8221; redemption price specified in the Indenture. The Notes will not have the benefit of any sinking fund.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left">The Indenture contains covenants that, among other things, limit SFC&#8217;s ability to create liens on assets and restrict SFC&#8217;s ability to consolidate, merge or sell its assets. The Indenture also provides for events of default which, if any of them occur, would permit or require the principal of and accrued interest on the Notes to become, or to be declared, due and payable.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left">The foregoing summary of the Base Indenture and Supplemental Indenture is qualified in its entirety by reference to the full text of the Base Indenture and Supplemental Indenture, copies of which are incorporated by reference in or filed with, as applicable, this Current Report on Form 8-K as Exhibits 4.1 and 4.2, respectively, and are incorporated herein by reference.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left">The disclosure provided in Item 1.01 of this Current Report on Form 8-K is hereby incorporated by reference into this Item 2.03.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left">(d) Exhibits</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left"><a href="s001984x5_ex1-1.htm">*1.1</a></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left"><a href="s001984x5_ex1-1.htm">Underwriting Agreement, dated December 5, 2017, among Springleaf Finance Corporation, OneMain Holdings, Inc., and Goldman Sachs &amp; Co. LLC, as representative of the several underwriters named therein.</a></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left"><a href="http://www.sec.gov/Archives/edgar/data/25598/000110465914084709/a14-25049_7ex4d1.htm">Indenture relating to the Notes, dated as of December 3, 2014, among Springleaf Finance Corporation, OneMain Holdings, Inc. and Wilmington Trust, National Association, as trustee, as filed with the SEC on December 3, 2014 as Exhibit 4.1 to SFC&#8217;s Current Report on Form 8-K (File No. 001-06155), and incorporated herein by reference.</a></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left"><a href="s001984x5_ex4-2.htm">*4.2</a></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left"><a href="s001984x5_ex4-2.htm">Fourth Supplemental Indenture relating to the Notes, dated as of December 8, 2017, among Springleaf Finance Corporation, OneMain Holdings, Inc. and Wilmington Trust, National Association, as trustee.</a></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left"><a href="s001984x5_ex4-2.htm">*4.3</a></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left"><a href="s001984x5_ex4-2.htm">Form of Note due 2023 (included as part of Exhibit 4.2).</a></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left"><a href="s001984x5_ex5-1.htm">*5.1</a></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left"><a href="s001984x5_ex5-1.htm">Opinion of Jack R. Erkilla, Esq.</a></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left"><a href="s001984x5_ex5-2.htm">*5.2</a></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left"><a href="s001984x5_ex5-2.htm">Opinion of Skadden, Arps, Slate, Meagher &amp; Flom LLP.</a></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left"><a href="s001984x5_ex5-1.htm">*23.1</a></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left"><a href="s001984x5_ex5-1.htm">Consent of Jack R. Erkilla, Esq. (included as part of Exhibit 5.1 hereto).</a></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left"><a href="s001984x5_ex5-2.htm">*23.2</a></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left"><a href="s001984x5_ex5-2.htm">Consent of Skadden, Arps, Slate, Meagher &amp; Flom LLP (included as part of Exhibit 5.2 hereto).</a></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left">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>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left">SPRINGLEAF FINANCE CORPORATION</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left">By: /s/Micah Conrad</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman'; TEXT-ALIGN: left">Date: December 8, 2017</div>

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[{"type": "8-K", "sequence": "1", "filename": "s001984x5_8k.htm", "description": "FORM 8-K", "secsgml_size_bytes": 29578}]
{"company-data": {"conformed-name": "SPRINGLEAF FINANCE CORP", "cik": "0000025598", "assigned-sic": "6141", "irs-number": "350416090", "state-of-incorporation": "IN", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-06155", "film-number": "171246842"}, "business-address": {"street1": "601 NW SECOND ST", "city": "EVANSVILLE", "state": "IN", "zip": "47708", "phone": "8124248031"}, "mail-address": {"street1": "601 NW SECOND ST", "city": "EVANSVILLE", "state": "IN", "zip": "47708"}, "former-company": [{"former-conformed-name": "AMERICAN GENERAL FINANCE CORP", "date-changed": "19920703"}, {"former-conformed-name": "CREDITHRIFT FINANCIAL CORP", "date-changed": "19890330"}]}
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
DATE OF REPORT (Date of earliest event reported): December 8, 2017 (December 5, 2017)
Springleaf Finance Corporation
(Exact name of registrant as specified in its charter)
Indiana
1-06155
35-0416090
(State or other jurisdiction of incorporation)
(Commission File Number)
(I.R.S. Employer Identification No.)
601 N.W. Second Street,
Evansville, Indiana 47708
(Address of principal executive offices)(Zip Code)
(812) 424-8031
(Registrant's telephone number, including area code)
(Former name or former address, if changed since last report)
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:
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company
☐
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.
☐
Item 1.01
Entry into a Material Definitive Agreement.
Underwriting Agreement
On December 5, 2017, Springleaf Finance Corporation ("SFC," "we," "us" or "our") entered into an underwriting agreement (the "Underwriting Agreement") with OneMain Holdings, Inc. ("OMH"), as guarantor, and Goldman Sachs & Co. LLC, as representative of the several underwriters named therein (the "Underwriters"), relating to the issuance and sale of $875 million aggregate principal amount of our 5.625% Senior Notes due 2023 (the "Notes") in a public offering made pursuant to a registration statement and related prospectus supplement filed with the Securities and Exchange Commission (the "SEC"). As further described below, the offering closed on December 8, 2017.
The Underwriting Agreement includes customary representations, warranties and covenants by each of SFC and OMH. It also provides for customary indemnification by each of SFC, OMH and the Underwriters against certain liabilities and customary contribution provisions in respect of those liabilities.
The foregoing description of the Underwriting Agreement does not purport to be complete and is qualified in its entirety by reference to Exhibit 1.1 to this Current Report on Form 8-K which is incorporated herein by reference.
Some of the Underwriters and their affiliates have engaged in, and may in the future engage in, investment banking and other commercial dealings in the ordinary course of business with OMH, its subsidiaries or affiliates, including SFC. They have received, or may in the future receive, customary fees and commissions for these transactions. Some of the underwriters and their affiliates have entered into, and may in the future enter into, financing arrangements (including offerings of asset-backed notes) in which they act as initial purchaser or serve as lender to OMH, its subsidiaries or affiliates, including SFC and OneMain Financial Holdings, LLC, an indirect subsidiary of OMH.
Supplemental Indenture
On December 8, 2017, SFC issued the Notes under an Indenture, dated as of December
3, 2014 (the "Base Indenture"), among SFC, as issuer, OMH, as guarantor, and Wilmington Trust, National Association, as trustee (the "Trustee"), as supplemented by a Fourth Supplemental Indenture, dated as of December 8, 2017 (the "Supplemental Indenture" and, together with the Base Indenture, the "Indenture"), among SFC, OMH and the Trustee. The Notes were offered pursuant to a Prospectus Supplement, dated December 5, 2017, to the Prospectus, dated November 7, 2017, filed as part of SFC's Registration Statement on Form S-3 (Registration No. 333-221391) filed with the SEC. The Notes will be guaranteed on an unsecured basis by OMH.
SFC intends to use the net proceeds from the offering of the Notes for general corporate purposes, which may include debt repurchases and repayments.
The Notes will mature on March 15, 2023 and bear interest at a rate of 5.625% per annum, payable semiannually in arrears on March 15 and September 15 of each year, beginning on March 15, 2018. The Notes are our senior unsecured obligations and rank equally in right of payment to all of our other existing and future unsubordinated indebtedness from time to time outstanding.
The Notes are guaranteed by our indirect parent company, OMH, but the Notes will not be guaranteed by any of our subsidiaries or any other party.
The Notes are effectively subordinated to all of our secured obligations to the extent of the value of the assets securing such obligations and structurally subordinated to any existing and future obligations of our subsidiaries with respect to claims against the assets of such subsidiaries.
The Notes may be redeemed at any time and from time to time, at the option of SFC, in whole or in part at a "make-whole" redemption price specified in the Indenture. The Notes will not have the benefit of any sinking fund.
The Indenture contains covenants that, among other things, limit SFC's ability to create liens on assets and restrict SFC's ability to consolidate, merge or sell its assets. The Indenture also provides for events of default which, if any of them occur, would permit or require the principal of and accrued interest on the Notes to become, or to be declared, due and payable.
The foregoing summary of the Base Indenture and Supplemental Indenture is qualified in its entirety by reference to the full text of the Base Indenture and Supplemental Indenture, copies of which are incorporated by reference in or filed with, as applicable, this Current Report on Form 8-K as Exhibits 4.1 and 4.2, respectively, and are incorporated herein by reference.
Item 2.03.
Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.
The disclosure provided in Item 1.01 of this Current Report on Form 8-K is hereby incorporated by reference into this Item 2.03.
Item 9.01
Financial Statements and Exhibits.
(d) Exhibits
Exhibit
Number
Description
*1.1
Underwriting Agreement, dated December 5, 2017, among Springleaf Finance Corporation, OneMain Holdings, Inc., and Goldman Sachs & Co. LLC, as representative of the several underwriters named therein.
4.1
Indenture relating to the Notes, dated as of December 3, 2014, among Springleaf Finance Corporation, OneMain Holdings, Inc. and Wilmington Trust, National Association, as trustee, as filed with the SEC on December 3, 2014 as Exhibit 4.1 to SFC's Current Report on Form 8-K (File No. 001-06155), and incorporated herein by reference.
*4.2
Fourth Supplemental Indenture relating to the Notes, dated as of December 8, 2017, among Springleaf Finance Corporation, OneMain Holdings, Inc. and Wilmington Trust, National Association, as trustee.
*4.3
Form of Note due 2023 (included as part of Exhibit 4.2).
*5.1
Opinion of Jack R. Erkilla, Esq.
*5.2
Opinion of Skadden, Arps, Slate, Meagher & Flom LLP.
*23.1
Consent of Jack R. Erkilla, Esq. (included as part of Exhibit 5.1 hereto).
*23.2
Consent of Skadden, Arps, Slate, Meagher & Flom LLP (included as part of Exhibit 5.2 hereto).
________
*
Filed herewith.
Signatures
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.
SPRINGLEAF FINANCE CORPORATION
By: /s/Micah Conrad
Name: Micah Conrad
Title: Executive Vice President and Chief Financial Officer
Date: December 8, 2017