Well Positioned to Deliver Sustainable Growth

00 Lifestyle STRONG FOUNDATION, POSITIONED FOR GROWTH Market Overview BROAD PARTNER SPECTRUM ACROSS A DIVERSE SET OF INDUSTRIES ~$400B: Lifestyle Verticals Consumer Spending 5+ MAJOR CATEGORIES from apparel to powersports ~$15K / 65MO AVERAGE ORIGINATION for secured installment loans synchrony 00 30 MINUTES¹ seamless dealer onboarding process and best-in-class merchant service and solutions ~20,000 PARTNER/DEALER LOCATIONS² >2k added annually³ ~70% LIFESTYLE CUSTOMERS4 have 2+ Synchrony products 25

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