Company Confidential©2007 Genworth Financial, Inc. All rights reserved.

Payment Protection Insurance OverviewNovember 16, 2007

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Forward-Looking StatementsThis presentation contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by words such as “expects,” “anticipates,” “intends,” “plans,” “believes,” “seeks,” “estimates,” “will,” or words of similar meaning and include, but are not limited to, statements regarding the outlook for the company’s future business and financial performance. Forward-looking statements are based on management’s current expectations and assumptions, which are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict. Actual outcomes and results may differ materially due to global political, economic, business, competitive, market, regulatory and other factors, including those discussed in the Appendix and in the risk factors section of the company’s Form 10-K filed with the SEC on February 28, 2007, Form 8-K filed with the SEC on April 16, 2007 and Form 10-Q filed with the SEC on October 26, 2007. The company undertakes no obligation to publicly update any forward-looking statement, whether as a result of new information, future developments or otherwise.

For important information regarding the use of non-GAAP measures included in this presentation, see our Third Quarter Financial Supplement which can be found on our website at www.genworth.com.

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OverviewHighlights

Present In Europe Since 1972

’04 Shift – Exited Certain Relationships

Product & Geographic Diversification

Regional Structure• Nordic: Finland, Sweden, Norway,

Denmark

• Central: France, Germany, Netherlands, Switzerland

• Western: Ireland, UK

• Southern: Spain, Portugal, Italy, Greece

• New Markets: Poland, Mexico, Canada

Local Market PresenceCanada

2007

Norway1995

Sweden1994

Denmark1996

Ireland1986

UK1972

Spain 1995

Portugal 1989

Italy1995

Greece2005

Switzerland1999

Germany1996

Netherlands1995

France1986

Poland2005

Finland1993

Hungary2006

Czech Republic 2006

Mexico2005

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200+ Fin’l Institutions Globally

Distributor Branded

Business to Business Model

One Genworth Approach

Personal Loans

Auto Loans

Credit Cards

Mortgages

Financial Obligations CoveredLife

Involuntary Unemployment

Accident

Disability

Product OverviewCoverage

Distributed At Point Of SaleMonthly Pay Or Single Premium

Direct or Reinsurance

Commission Based W/ Risk Sharing

Variety Of Product Designs

3-5 Yr Average Policy Life

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European Market ~ $18 Billion Premium

Mortgage 52%

Personal Loan 32%

Credit Cards 10%

Other 6%

Underlying Loan Type By Competitor ($B)

Captives

Other

GNW

CardifOur Focus

Market Size Estimate based on Finnacord 2004 and GNW Management Estimates

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GNW Geographic & Product Dispersion

2004 2007E

Western

Central

Nordic

Southern

New Markets

Structured

September 2007 YTD

Other Prod. 20%

Credit Cards 11%

Auto Finance 12%

Mortgages 17%

Pers. Loan 40%

Financial Obligations CoveredSales By Geographic Region

2004 9/30/07Sales ($B) 1.5 2.2

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Disability

Accident

ExclusionPeriod

60 Days

60 Days

WaitingPeriod

30 Days

30 Days

Claim PaymentPeriod Limit

12 Months

12 Months

Lender Sold At Origination

Maximum Claim Amounts

Lender Risk Sharing

Limited Underwriting Risk

Severity Limit

Involuntary Unemployment 3-6 Months 30-60 Days 6-12 Months

Limited Claims Volatility

Coverage Type

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Key Financial Levers

Fee Inc.

Inv. Inc.

EarnedPrem.

Op Exp

Commissions

Losses (Claims)

Pre-tax Profit

Loss Ratio

– 30+ Years Claim Experience

Commission Expense

– Commission/Profit Share Driven

– Varies Widely by Market/Lender

Expense Ratio

– Operating Cost Productivity

$1.6B Unearned Premium Reserve As Of 9/30/07

Key Metrics

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Financial Metrics

2004 2005 2006 9/30/07 YTD

Loss Ratio (1) 20% 19% 16% 17%

Expense Ratio (2) 39% 50% 53% 52%

P-Tax Op. Margin 9% 10% 12% 11%

Effective Tax Rate 39% 37% 28% 27%

Key Metrics

Stable Underwriting Experience

Commission Driven

Shift To High Margin Products

Focus on Tax Efficiency

(1) Calculated As Benefits And Change In Reserves Divided By Premiums.(2) Calculates As Acquisition And Operating Expenses, Net Of Deferrals, Divided By Total Revenues.

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2004 2005 2006 2007E

1.51.9

2.2

Est.Platforms

StructuredDeals

New Mkts.

Sales Growth

($B)

CAGR~15+%

Established Platforms

– Penetrate Existing Accounts

– Establish New Relationships

Structured Deals

– Creative Product Solutions

New Markets

– Leverage Product Expertise

New Products

Growth Strategy

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Execution

Geographic PrioritiesFocus/Action Plan

European Branding

Name Recognition, Brand Awareness, and Value PropositionGenerate Perceptions: Significant, Global & Local B2B Brand

High Growth - Spain, Italy and Germany Established - UK and Ireland

European Pro Golf Sponsorship

“Think It Possible” - Targeted Ad Campaign

Objectives

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Summary

Product Expertise

Broad Distribution Network

Scalable Cost Effective Platform

Capital Efficient

Attractive Returns

2004 2005 2006 2007E

CAGR15%+

Operating Income

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AppendixCautionary note regarding forward-looking statements

This presentation contains certain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by words such as “expects,” “intends,” “anticipates,” “plans,” “believes,” “seeks,” “estimates,” “will,” or words of similar meaning and include, but are not limited to, statements regarding the outlook for our future business and financial performance. Forward-looking statements are based on management’s current expectations and assumptions, which are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict. Actual outcomes and results may differ materially due to global political, economic, business, competitive, market, regulatory and other factors and risks, including the following:

• Risks relating to our businesses, including interest rate fluctuations, downturns and volatility in equity and credit markets, defaults in portfolio securities, downgrades in our financial strength and credit ratings, insufficiency of reserves, legal constraints on dividend distributions by subsidiaries, competition, availability and adequacy of reinsurance, defaults by counterparties, regulatory restrictions on our operations and changes in applicable laws and regulations, legal or regulatory investigations or actions, political or economic instability, the failure or any compromise of the security of our computer systems, and the occurrence of natural or man-made disasters or a pandemic disease;

• Risks relating to our International segment, including political and economic instability, foreign exchange rate fluctuations, unexpected changes in unemployment rates, deterioration in economic conditions or decline in home price appreciation, unexpected increases in mortgage insurance default rates or severity of defaults, decreases in the volume of high loan-to-value international mortgage originations, increased competition with government-owned and government-sponsored entities offering mortgage insurance, changes in regulations, and growth in the global mortgage insurance market that is lower than we expect;

• Other risks, including the possibility that in certain circumstances we will be obligated to make payments to GE under our tax matters agreement even if our corresponding tax savings are never realized and payments could be accelerated in the event of certain changes in control, and provisions of our certificate of incorporation and by-laws and our tax matters agreement with GE may discourage takeover attempts and business combinations that stockholders might consider in their best interests.

We undertake no obligation to publicly update any forward-looking statement, whether as a result of new information, future developments or otherwise.

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