Synchrony Financial Results Presentation Deck

1Q'21 Business Highlights BUSINESS EXPANSION ΑΕΟ AMERICAN EAGLE aerie Ashley HOMESTORE Prime Healthcare FAMILY Farm&Home Mercyhealth TACNY CORPORATION SVP Southern Veterinary Partners Epic synchrony CITGO. FUELING GOOD PHILLIPS 66 Box Drop MATTRESS & FURNITURE DIRECT EMORY HEALTHCARE CONSUMER PERFORMANCE New Accounts(a) 4.9 1Q'20 $445 1Q'20 5.0 Purchase Volume per Account $524 $1,171 1Q'21 1Q'20 1Q'21 3% Average Balance per Account $1,182 1Q'21 (b) 18% (c) 1% DIGITAL ACCELERATION 6 ~60% DIGITAL APPLICATIONS* *Percentage of Total Applications 50% ONLINE SALES* *Percentage of Retail Card Total ~65% DIGITAL PAYMENTS* *1Q'21 % of Total Payments 14% MOBILE CHANNEL APPLICATION GROWTH 4

View entire presentation