Synchrony Financial Results Presentation Deck

1Q'21 Key Business Themes M ● Growth accelerates Purchase volume of $35 billion, +8% Originated 5 million new accounts, +3% • Leverage digital capabilities ● ● ● Credit outperforms Delinquencies down (141) bps for 30+ (58) bps for 90+ NCOS down (174) bps synchrony E Dol + Payment rates remain a headwind ● Loan receivables of $77 billion down (7)% ● NIM of 13.98% down (117) bps Continue CareCredit Expansion Capitalize on changing Healthcare and Pet Landscape • Deliver new products, financing alternatives and experiences 15

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