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Investor Presentaiton

Non-GAAP Reconciliation Continued The following table sets forth a reconciliation between GAAP results and non-GAAP managed-basis results for 2009 $ in millions Net charge-offs as a % of average loan receivables, including held for sale: GAAP Securitization adjustments Managed basis Net interest income as a % of average loan receivables, including held for sale: GAAP Securitization adjustments Managed basis Year ended December 31, 2009 11.26 % (0.59) % 10.67 % 16.21 % 1.44 % 17.65 % Retailer share arrangements as a % of average loan receivables, including held for GAAP Securitization adjustments Managed basis Average loan receivables 3.40 % (1.80) % 1.60 % GAAP Securitization adjustments Managed basis End of period loans GAAP Securitization adjustments Managed basis "synchrony $23,485 23,181 $46,666 $22,912 23,964 $46,876 31
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