Synchrony Financial (NYSE:SYF) Q1 2022 Earnings Conference Call April 18, 2022 8:00 AM ET Company Participants Kathryn Miller - SVP, IR Brian Doubles - President, CEO Brian Wenzel - EVP, CFO Conference Call Participants Moshe Orenbuch - Credit Suisse Ryan Nash - Goldman Sachs Betsy Graseck - Morgan Stanley Sanjay Sakhrani - KBW John Hecht – Jefferies Don Fandetti - Wells Fargo Mihir Bhatia - Bank of America Rich Shane - JPMorgan Kevin Barker - Piper Sandler Arren Cyganovich - Citi Brian Foran - Autonomous R ...

,| synchrony 1Q'22 FINANCIAL RESULTS April 18, 2022 Disclaimers Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No representation is made that the information in these slides is complete. For additional information, see the earnings release and financial supplement included as exhibits to our Current Report on Form 8-K filed today and available on our website (www.synchr ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to 001-36560 (Commission File Number) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) (State or Other Jurisdiction of Incorporation or O ...

Synchrony Financial (NYSE:SYF) Q4 2021 Earnings Conference Call January 28, 2022 8:00 AM ET Company Participants Kathryn Miller – Senior Vice President, Director of Investor Relations Brian Doubles – President and Chief Executive Officer Brian Wenzel – Executive Vice President and Chief Financial Officer Conference Call Participants Sanjay Sakhrani – KBW Moshe Orenbuch – Credit Suisse Ryan Nash – Goldman Sachs Arren Cyganovich – Citi Betsy Graseck – Morgan Stanley Don Fandetti – Wells Fargo Kevin Barker – P ...

4Q'21 FINANCIAL RESULTS January 28th, 2021 Disclaimers Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No representation is made that the information in these slides is complete. For additional information, see the earnings release and financial supplement included as exhibits to our Current Report on Form 8-K filed today and available on our website (www.synchronyfinanc ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to 001-36560 (Commission File Number) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 51-0483352 (State or other jurisdiction of ...

3Q'21 FINANCIAL RESULTS October 19, 2021 Disclaimers Cautionary Statement Regarding Forward-Looking Statements The following slides are part of a presentation by Synchrony Financial in connection with reporting quarterly financial results. No representation is made that the information in these slides is complete. For additional information, see the earnings release and financial supplement included as exhibits to our Current Report on Form 8-K filed today and available on our website (www.synchronyfinancia ...

Call Start: 08:00 January 1, 0000 8:59 AM ET Synchrony Financial (NYSE:SYF) Q3 2021 Earnings Conference Call October 19, 2021, 08:00 AM ET Company Participants Brian Doubles – Chief Executive Officer Kathryn Miller – Investor Relations Brian Wenzel – Chief Financial Officer Conference Call Participants Betsy Graseck – Morgan Stanley John Hecht – Jefferies Rick Shane – JP Morgan Don Fandetti – Wells Fargo Sanjay Sakhrani – KBW Bill Carcache – Wolfe Research John Pancari – Evercore Mark Devries – Barclays Op ...

| synchrony Investor Day 2021 AMF Synchrony Investor Day 2021 Disclaimers Cautionary Statement Regarding Forward-Looking Statements This presentation contains certain forward-looking statements as delined in Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchang of 1934, as amended, which are subject to the "safe harbor" created by those sections. Forward-looking statements may be identified by words such as "expects," "intends," "anticipates," "plans," "believes," ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to 001-36560 (Commission File Number) SYNCHRONY FINANCIAL (Exact name of registrant as specified in its charter) Delaware 51-0483352 (State or other jurisdiction of incor ...