Well Positioned to Deliver Sustainable Growth

Efficient Partner Model Builds Broad Cardholder Base ... BROAD, MASS-MARKET REACH #1 in total cardholders¹ 1.7 cards per cardholder ~$220 PRODUCTS WITH WIDE APPEAL Loan Mix Shifting as Younger Borrowers Adopt Cards LOW COST, HIGH VALUE Partner Model Drives Efficient Cost to Acquire Millennials >4x 21% 27% and Gen Z Baby Boomers and Gen X 79% 73% >2x ~$18 average monthly spend² 2019 Today Accounts Across Broad Spectrum of Income Levels³ ~ $1,200 average balance² ~6.5 years average relationship "synchrony $100k+ $50 - $100k 28.2% 40.6% Median: $70k 31.3% <$50k Synchrony 4 Co-Brand 5 5 Industry ~$18 cost to acquire an account ~$350+ lifetime value of an account 7

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