Investor Presentaiton

Footnotes All metrics are as of and for the period ending December 31, 2022 except where noted. Differentiated Business Model 1. As of December 2020. 2. As of June 2021. Driving Strong Financial Results 1. Reflects compound annual growth rates from 2014 to 2022; average risk-adjusted return reflects simple average of full-year results from 2014 to 2022. 2. Risk-adjusted return (RAR) defined as net interest income minus retailer share agreements (RSA) and net charge offs (NCOs), divided by average loan receivables (ALR). Efficient Partner Model Builds Broad Cardholder Base Among top U.S. consumer credit card issuers as of November 2022. Source: Argus, internal analysis. 1. 2. Among active accounts. 3. Self-reported income, August 2021 to July 2022. 4. Source: Internal analysis, 2021. Based on representative large retail partner. Cost to acquire excludes offer/reward costs. 5. Source: Argus, 2020. 6. Lifetime value representative of large retail partner account and is based on a vintage 10-year estimate of net finance charges + net late fees + interchange - loyalty costs - net losses. Source: Internal analysis, 2021. Drive Value by Deepening Customer Relationships 1. Estimated value based upon performance tracking from upgrade targeting campaigns utilizing Synchrony-built proprietary models. Source: Internal analysis, 2021. 2. Source: Internal analysis. 3. Per-card revenue reflects annual net finance charges and late fees. Proprietary Data and Multidimensional Underwriting 1. Includes active and inactive accounts as of June 30, 2021. Constantly Innovating to Make Better Decisions & Enhance the Customer Experience 1. Source: TransUnion, 90+ day delinquency rate by month. Deliver Consistent Loss Performance Over Time 1. "Card Peer Average" reflects average 30+ day delinquency rates at the following business units: Capital One Financial Corporation - Credit Card Business, Domestic Card; Discover Financial Services - Credit Card; Citigroup - Personal Banking & Wealth Management, U.S. Personal Banking, Branded Cards and Retail Services; JPMorgan Chase & Co - Consumer & Community Banking, Credit Card. Source: Company filings. "synchrony 27

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