X0508 4 2025-11-03 0 0001601712 Synchrony Financial SYF 0001763554 Casellas Alberto 777 LONG RIDGE ROAD C/O CORPORATE SECRETARY STAMFORD CT 06902 0 1 0 0 See remarks 0 Phantom Stock Units 2025-11-03 4 I 0 11706 D Common Stock 11706 11707 D Phantom stock units held by the Reporting Person in the Synchrony Financial Restoration Plan, an excess benefit plan pursuant to Rule 16b-3(b)(2) (the "Restoration Plan"). Each phantom stock unit is the economic equivalent of one share of Synchrony Financial common stock. Phantom stock units acquired under the Restoration Plan will be settled, in cash, the month following the six-month anniversary of the Reporting Person's separation from Synchrony Financial unless otherwise provided by the terms of the Restoration Plan or elected by the Reporting Person. The Reporting Person transferred the cash value of 11,706 phantom stock units to an alternative investment option within the Reporting Person's Restoration Plan account. The disposition was valued based on the closing price of Synchrony Financial common stock on November 3, 2025, $74.01. EVP, CEO--Health & Wellness /s/ Danielle Do as attorney in fact 2025-11-05