Well Positioned to Deliver Sustainable Growth

Drive Value by Deepening Customer Relationships PRODUCT UPGRADES Moving Customer from PLCC to Dual Card 98% increase in sales¹ 78% increase in balances¹ Higher Risk- Adjusted Returns per account/per month (12) (6) (3) 0 synchrony 3 6 UPGRADED CONTROL 9 12 15 18 21 Months (Pre)/Post-Upgrade ADDITIONAL PRODUCTS2 Per-Card Revenue³ Growth as Cardholders Add Additional Cards +36% +33% +29% +24% +18% +10% % increase per additional card vs. cardholders with a single card 2 3 4 5 6 # of Cards Held by Cardholder Revenue per card increases as cardholders add additional cards Customers with multiple products generate >2.5x revenue per year Average of 1.7 cards per cardholder 9

View entire presentation