SYF H@CKON 2017

SYNCHRONY FINANCIAL is one of the premier consumer financial services companies in the United States. We provide a range of credit products through programs we’ve established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. We offer expertise, partnership and innovation to help businesses and consumers achieve their unique ambitions. With over 85 years of experience, we are also the largest provider of private label credit cards in the United States based on purchase volume and receivables.*

*Source: The Nilson Report (June 2017, Issue #1112) - based on 2016 data.

Retail Card

We provide private label credit cards, Dual Cards™, general purpose co-branded credit cards and business credit products for businesses of all sizes— from national retailers to Main Street mainstays. Our tailored credit card and loyalty programs engage customers when and where they shop — in-store, online or via mobile — and add value with targeted offers and features.

• We have ongoing program agreements with national and regional retailers.
• Our patented Dual Cards are credit cards that function as a private label credit card when used to purchase goods and services from our partners, and as a general purpose credit card when used elsewhere. We also offer general purpose co-branded credit cards that do not also function as private label credit cards.
• We currently issue Dual Cards for use on the Visa and Mastercard networks and we currently have the ability to issue Dual Cards for use on the American Express and Discover networks.

Payment Solutions

We offer promotional financing for major consumer purchases. Our private label credit card and financing programs are offered through retailers, dealers, manufacturers, buying groups and industry associations across many markets.

• Participating partners consist of national and regional retailers, local merchants, manufacturers, buying groups and industry associations.
• We work with partners in Automotive, Electronics and Appliances, Furnishings and Flooring, Home Specialty, Jewelry and Power Equipment and Sports.

CareCredit

CareCredit is a leading provider of promotional financing to consumers for health and personal care procedures, products or services, including dental, veterinary, cosmetic, vision and audiology.

• Accepted at more than 200,000 provider and health-focused retailer locations nationwide.
• We have relationships with more than 100 professional and other associations, including the American Dental Association and the American Animal Hospital Association. We also work with various state dental and veterinary associations, manufacturers, and buying groups. They endorse and promote (in some cases for compensation) our credit products to their members.

Synchrony Bank

Credit is extended by Synchrony Bank. Synchrony Bank offers the savings products that feature award-winning rates and the safety of FDIC insurance** — CDs, IRAs, Money Market Accounts and Savings Accounts. In addition, our customers are rewarded for balances they keep or the length of time they have been a customer.

More information can be found at www.synchronyfinancial.com, facebook.com/SynchronyFinancial, www.linkedin. com/company/synchrony-financial and twitter.com/SYFNews.

**FDIC insurance up to US$250,000 per depositor, per insured bank for each ownership category.

Note: All partner location information is as of October 2016.

What Synchrony Financial Does:

Synchrony Financial Culture & Values

The Root of Innovation