Investor Presentaiton

12% 10% 8% Financial Crisis 6% 4% 2% ... and Resilient Risk-Adjusted Returns through Evolving Environments CARD Act Took Effect Credit Normalization COVID-19 Pandemic -% 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Prime and Super 63% 72% 72% 74% 74% 72% 78% 74% Prime/EOP1,2 RSA/Purchase Volume² 1.09% 1.83% 2.53% 2.41% 2.23% 2.58% 2.73% 2.40% LONG-TERM ~2.5+% ROA TARGETS: ~28+% ROTCE RAR* RSA/ALR² NCO/ALR² "synchrony *Risk-adjusted return (RAR) defined as net interest income minus retailer share agreements (RSA) and net charge offs (NCOs), divided by average loan receivables (ALR) 19

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