Well Positioned to Deliver Sustainable Growth

Digital HIGHLY ENGAGED CUSTOMERS, DEEPLY INTEGRATED PRODUCTS AND PARTNERSHIPS Market Overview >$700B B Total Partner Opportunity ~21% E-Comm CAGR 2017-20211 00 DRIVING SEAMLESS ENGAGEMENT WITH DIGITAL-FIRST BRANDS DIVERSE DIGITAL COMMERCE BRANDS amazon Q HSN G PayPal Fanatics verizon 90+ MILLION USERS at each of top four programs² PRODUCTS & VAL PROPS SEAMLESSLY INTEGRATED ON PARTNER PLATFORMS >2 PRODUCTS PER CUSTOMER Extended Promotions & Partner-Based Virtual and Physical Wallets & Cards STRONG ENGAGEMENT 58 PURCHASES per active account per year ~5 YEARS AVERAGE TENURE among digital customers³ ~5 YEARS YOUNGER than average Synchrony consumer synchrony Rewards 26

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