Well Positioned to Deliver Sustainable Growth

Execute a Disciplined Capital Allocation Strategy Organic Growth Maintain and expand partner, merchant and provider relationships Strategic investments to deliver best-in-class customer experience Dividends Deliver consistent dividends over time and through economic cycles Common stock dividends of $3.2 billion since 2016 Share Repurchases Evaluate capital utilization of share repurchases vs. acquisitions Repurchased $14.6 billion of shares since 2016, reducing share count by over 40% Inorganic Growth Pets Best PET HEALTH INSURANCE Allegro A CreditⓇ synchrony 17

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