Well Positioned to Deliver Sustainable Growth

Diversified & Value DELIVER OMNICHANNEL EXPERIENCES AND EVERYDAY VALUE ACROSS SCALED RETAIL PARTNERS Market Overview POWER COMPELLING OUTCOMES FOR OUR PARTNERS AND CUSTOMERS >$900B !! D&V Market ~$125B Current Partner Sales 00 20+ year RELATIONSHIPS average length of relationship ~65 million TRANSACTIONS per month, +16% in 2022 9+ year CARDHOLDER TENURE on average across Diversified & Value >50% WORLD SALES +500bps over last three years ~50% D&V CUSTOMERS² have 2+ Synchrony products б >20% DIGITAL SALES as a percent of total D&V purchase volume synchrony 24

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