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Your Vote Counts! Smartphone users Point your camera here and vote without entering a control number For complete information and to vote, visit www.ProxyVote.com Control # V94550-P49055 *Please check the meeting materials for any special requirements for meeting attendance. SYNCHRONY FINANCIAL 777 LONG RIDGE ROAD STAMFORD, CT 06902 SYNCHRONY FINANCIAL 2026 Annual Meeting Vote by June 23, 2026 11:59 PM ET You invested in SYNCHRONY FINANCIAL and it’s time to vote! You have the right to vote on proposals being presented at the Annual Meeting. This is an important notice regarding the availability of proxy materials for the stockholder meeting to be held on June 24, 2026. Vote Virtually at the Meeting* June 24, 2026 9:00 a.m., Eastern Time Virtually at: www.virtualshareholdermeeting.com/SYF2026 Get informed before you vote View the Notice and Proxy Statement and Annual Report online OR you can receive a free paper or email copy of the material(s) by requesting prior to June 10, 2026. If you would like to request a copy of the material(s) for this and/or future stockholder meetings, you may (1) visit www.ProxyVote.com, (2) call 1-800-579-1639 or (3) send an email to sendmaterial@proxyvote.com. If sending an email, please include your control number (indicated below) in the subject line. Unless requested, you will not otherwise receive a paper or email copy.
Vote at www.ProxyVote.com Prefer to receive an email instead? While voting on www.ProxyVote.com, be sure to click “Delivery Settings”. Voting Items Board Recommends V94551-P49055 THIS IS NOT A VOTABLE BALLOT This is an overview of the proposals being presented at the upcoming stockholder meeting. Please follow the instructions on the reverse side to vote these important matters. 1. Election of Directors Nominees: 1a. Brian D. Doubles For 1b. Fernando Aguirre For 1c. Paget L. Alves For 1d. Kamila Chytil For 1e. Daniel Colao For 1f. Arthur W. Coviello, Jr. For 1g. Deborah Ellinger For 1h. Roy A. Guthrie For 1i. Jeffrey G. Naylor For 1j. Bill Parker For 1k. Laurel J. Richie For 1l. Ellen M. Zane For 2. Ratification of Selection of KPMG LLP as Independent Registered Public Accounting Firm of the Company for 2026. For 3. Advisory Vote to Approve Named Executive Officer Compensation. For NOTE: All shares will be voted as instructed. In the absence of instructions, all shares will be voted with respect to registered stockholders that return a signed proxy card, in accordance with the Board of Directors recommendations. In their discretion, the proxies are authorized to vote upon any other matter as may properly be presented at the meeting or any adjournments or postponements thereof.