Investor Presentaiton

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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