Synchrony Financial Results Presentation Deck

CareCredit - At a Glance U ENGAGEMENT 92% CUSTOMER SATISFACTION up from 78% in 2009 77 NET PROMOTER SCORE over 80% higher than the industry average (a) ~59% REPEAT SALES compared to ~54% in 1Q'19 synchrony (a) + Q DEPTH >40 NUMBER OF SPECIALTIES expanded into 13 new specialties since 2018 13 HEALTH SYSTEMS launched 8 new programs in 2020 >350,000 PETS IN FORCE up 174% since acquisition of Pets Best GROWTH $9.3 billion LOAN RECEIVABLES up 44% from 1Q'14 ~250,000 PROVIDER LOCATIONS up 41% from 1Q'14 5.7 million ACTIVE ACCOUNTS up 28% from 1Q'14 6

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