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Investor Presentaiton

Footnotes Digital Bank Serves as Funding Foundation 1. Source: Internal analysis, October 2022. And Resilient Risk-Adjusted Returns through Cycles 1. 2. Classification of Prime & Super Prime refers to VantageScore credit scores of 651 or higher for 2019-2022, and FICO scores of 661 or higher for periods prior to 2019. RSA/ALR refers to Retail Share Arrangements as a percentage of Average Loan Receivables; NCO/ALR refers to Net Charge-Offs as a percentage of Average Loan Receivables; Prime & Super Prime/EOP refers to Prime & Super Prime loan receivables as a percentage of total Period-end Loan Receivables; RSA/Purchase Volume refers to Retailer Share Arrangements as a percentage of Purchase Volume. Appendix The "average length of our relationship" with respect to a specified group of partners or programs is measured on a weighted average basis by interest and fees on loans for the year ended December 31, 2022, for those partners or for all partners participating in a program, based on the date each partner relationship or program, as applicable, started. Home and Auto 1. Source: Furniture Today 2021 Top 100 (Released 5/23/2022). 2. Source: Modern Tire Dealer 100 Dealers (July 2022 Digital Edition). Health and Wellness 1. Source: Internal analysis, utilizing 2021 U.S. Census. 2. Source: Satmetrix 2021 Net Promoter Benchmark Study of U.S. Consumers, conducted January to March 2021. Diversified and Value 1. Source: Internal analysis, based on 2021 retail partner filings. 2. Consumer only. Lifestyle Reflects time between dealer accepting terms and being approved. 1. 2. Total partner/dealer locations as of June 2021. 3. Average dealer locations/storefronts added since January 2019, per year through June 30, 2021. Consumer only. 4. Digital Source: U.S. Census. 1. 2. Source: Partner public filings, 2021. 3. Consumer only. synchrony 28
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