Well Positioned to Deliver Sustainable Growth

"synchrony Pre-GFC 100 75 50 25 2007 2008 2009 2010 2011 Card Peer Avg 2012 2013 SYF 2014 175 150 125 2015 2016 2017 2018 2019 2020 2021 2022 13 Deliver Consistent Loss Performance Over Time +30% Delinquency Indexed: Pre-GFC (1Q 2007)=1001 ✓ Less volatility through cycles ✓ PRISM tools enable approval of more borrowers for similar level of risk ✓ Underwrite to Risk-Adjusted Margins at a partnership level ✓ Aggregated portfolio delivers a 5.5%-6.0% net loss rate in a steady environment

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