Exhibit 12

SPRINGLEAF HOLDINGS, INC. AND SUBSIDIARIES

Computation of Ratio of Earnings to Fixed Charges

	Successor										Predecessor
	Company										Company
									One Month		Eleven Months
	Year Ended		Year Ended			Year Ended			Ended		Ended			Year Ended
	December 31,		December 31,			December 31,			December 31,		November 30,			December 31,
(dollars in thousands)	2013		2012			2011			2010		2010			2009
			Revised			Revised			Revised		Revised			Revised
Earnings:
Income (loss) before benefit from income taxes	$	77,557	$	(305,368	)	$	(360,138	)	$	1,463,458	$	(261,887	)	$	(1,073,602	)
Interest expense	919,749		1,075,205			1,284,773			120,328		996,469			1,091,163
Implicit interest in rents	10,000		12,115			12,638			1,207		13,751			19,738
Total earnings	$	1,007,306	$	781,952		$	937,273		$	1,584,993	$	748,333		$	37,299
Fixed charges:
Interest expense	$	919,749	$	1,075,205		$	1,284,773		$	120,328	$	996,469		$	1,091,163
Implicit interest in rents	10,000		12,115			12,638			1,207		13,751			19,738
Total fixed charges	$	929,749	$	1,087,320		$	1,297,411		$	121,535	$	1,010,220		$	1,110,901
Ratio of earnings to fixed charges*	1.08		0.72			0.72			13.04		0.74			0.03

*Earnings did not cover total fixed charges by $305.4 million in 2012, $360.1 million in 2011, $261.9 million during the eleven months ended November 30, 2010, and $1.1 billion in 2009.

We have revised all previously reported periods in this exhibit to correct the errors identified in the fourth quarter of 2013 and to include the out-of-period adjustments previously recorded and disclosed in the appropriate periods. See Item 6 and Note 24 of the Notes to Consolidated Financial Statements in Item 8 for further information on these revisions.

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