X0508 4 2025-11-17 0 0001601712 Synchrony Financial SYF 0001614725 MOTHNER JONATHAN S C/O SYNCHRONY FINANCIAL 777 LONG RIDGE ROAD STAMFORD CT 06902 0 1 0 0 See remarks 1 Dividend Equivalent Unit 2025-11-17 4 A 0 238 70.47 A 147100 D Common Stock 2025-11-17 4 S 0 20000 72.80 D 127100 D Common Stock 2025-11-17 4 M 0 12000 34.30 A 139100 D Common Stock 2025-11-17 4 S 0 12000 72.80 D 127100 D Employee Stock Option (right to buy) 34.30 2025-11-17 4 M 0 12000 0 D 2027-04-01 Common Stock 12000 11258 D Represents dividend equivalent units accrued on August 15, 2025 as dividends that were paid on the common shares underlying restricted stock units. The dividend equivalent units vest proportionately with and are subject to settlement and expiration upon the same terms as the restricted stock units to which they relate. Each dividend equivalent unit is the economic equivalent of one share of Synchrony Financial common stock. This transaction was made pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on July 28, 2025. The Reporting Person was awarded 23,258 employee stock options on April 1, 2017 which vested in five equal annual installments of 20% each, beginning on the first anniversary of the grant date. EVP, Chief Risk and Legal Officer /s/ Danielle Do, as attorney in fact 2025-11-19