Well Positioned to Deliver Sustainable Growth

Long-Term Financial Framework Should Deliver Double-Digit EPS Growth in a Normalized Operating Environment Sustainable Receivable Growth Resilient Risk- Adjusted Margin Retailer Share NIM ~16% 7-10% NCO ~5.5-6.0% + + Operate Capital Targets Agreements ~4.0-4.5% Return Profile Powered by Our Differentiated Business Model Efficiently ~32-33% ~11.0% CET1 ~2.5+ % ROA ~28+ % ROTCE synchrony 20

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