Investor Presentaiton

Digital Bank Serves as Funding Foundation STRONG RELATIONSHIPS STABLE FUNDING OVER TIME Optimized Deposit Base through Cycles OPPORTUNITY FOR GROWTH Award-winning online franchise Forbes ADVISOR BEST OF 2022 the ascent Reviewed 7/2021 A MOTLEY FOOL SERVICE nerdwallet. -BEST- BANKS 2022 >$50b digital, direct US bank $49 $54 $52 $50 $56 $42 $37 Бо ~$60k average balance per account 94% 94% 94% 94% 2.42% 94% Online Savings Account 2.00% 1.54% 1.59% 90% 91% 1.72% 1.54% 0.91% 5+ years average relationship ~40% have a SYF credit product 2016 2017 2018 2019 2020 2021 2022 Retail Deposits ($B) Customer Retention Cost of Total Interest-Bearing Deposits Stable Deposit Vintages 80%+ balances > 3 years Customer Satisfaction Industry-leading customer satisfaction scores Frictionless Digital banking customer experience synchrony Diversifying with younger, mass- market depositors through partnerships - Savings $410.23 Earning interest Add money Weekly $10 $50 $150 Other Fridays Put your savings to work Transfer money from your bank account or PayPal balance and earn interest on your savings. Plus, you can set up auto-save to make life easier. 14

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