Well Positioned to Deliver Sustainable Growth

Market Overview Health & Wellness LEADING HEALTHCARE AND PET CARE FINANCING PROVIDER WITH SCALE AND EXPERTISE CORE DIFFERENTIATORS ARE HARD TO REPLICATE ~$430B Health OOP Expenditures ~$100B Pet Expenditures ~$200B Wellness Expenditures 11 11 ~260,000 PROVIDER LOCATIONS ~75% penetration in the Dentistry, Vet and Ophthalmology markets + >50 SPECIALTIES expanded into 33 new specialties since 2014 ~60% REPEAT SALES compared to ~47% in 2Q'14 >670,000 PETS IN FORCE up over 400% since acquisition of Pets Best 1 IN 10 AMERICANS have or have had a CareCredit card¹ 75 NET PROMOTER SCORE CareCredit earns the leading NPS score within credit card industry² synchrony 23

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