Exhibit 12

SPRINGLEAF FINANCE CORPORATION 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	$	(135,917	)	$	(307,385	)	$	(363,598	)	$	1,461,621	$	(241,699	)	$	(1,053,059	)
Interest expense	842,679			1,067,709			1,275,570			119,303		978,364			1,050,164
Implicit interest in rents	9,294			12,115			12,638			1,207		13,751			19,287
Total earnings	$	716,056		$	772,439		$	924,610		$	1,582,131	$	750,416		$	16,392
Fixed charges:
Interest expense	$	842,679		$	1,067,709		$	1,275,570		$	119,303	$	978,364		$	1,050,164
Implicit interest in rents	9,294			12,115			12,638			1,207		13,751			19,287
Total fixed charges	$	851,973		$	1,079,824		$	1,288,208		$	120,510	$	992,115		$	1,069,451
Ratio of earnings to fixed charges*	0.84			0.72			0.72			13.13		0.76			0.02

*Earnings did not cover total fixed charges by $135.9 million in 2013, $307.4 million in 2012, $363.6 million in 2011, $241.7 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 25 of the Notes to Consolidated Financial Statements in Item 8 for further information on these revisions.

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