Synchrony Financial Results Presentation Deck

Growth Metrics Purchase volume $ in billions Dual Card / Co-Brand $32.0 synchrony 1Q'20 $12.3 Average active accounts in millions 72.1 $34.7 1Q'20 1Q'21 $13.0 66.3 1Q'21 8% 6% (8)% Loan receivables $ in billions Dual Card / Co-Brand $82.5 1Q'20 $19.9 $4,340 $76.9 Interest and fees on loans $ in millions 1Q'20 1Q'21 $17.9 $3,732 1Q'21 (7)% (10)% (14)% 8

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