Investor Presentaiton

■•Utilize Many Levers to Manage Risk and Optimize Outcomes I Synchrony PRISM Credit Levers Available to Manage Exposure PORTFOLIO COMPOSITION PORTFOLIO MANAGEMENT Вод Acquisitions • Proactive acquisition offers (prescreen and quick-screen) PLCC marginal cutoffs • Line assignment . Product Offerings Product mix between Dual Card, PLCC, Secured Card, Synchrony Installments, and Pay in 4 to modify exposure and utility Q Account Management • Proactive account upgrades ⚫ Delinquent and overlimit authorizations . • Credit line increases Credit line decreases Account closures Collections and Recovery • • O Collection segmentation Contact and collection strategies • Settlement offers • Charge-off placement strategies ⚫Debt sales vs. liquidation strategies "synchrony 12

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