Well Positioned to Deliver Sustainable Growth

synchrony ... Addresses Broad Range of Consumers' Financing Needs INSTALLMENT ILLUSTRATIVE PRODUCT JOURNEY PLCC TRANSACTIONAL BUILDING CREDIT EXPANDED UTILITY ESTABLISHED CREDIT DUAL CARD TOP OF WALLET STRONG CREDIT • Pay-over-time flexibility • Closed-end, one-time loan • Revolving credit line • Partner rewards • Pay-over-time options • Brand affinity • Revolving credit line • • with broad utility Expanded rewards Pay-over-time options • Brand loyalty 6

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