Synchrony Financial — Director's Dealing 2025

Nov 19, 2025

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: Synchrony Financial (SYF)
CIK: 0001601712
Period of Report: 2025-11-17

Reporting Person: MOTHNER JONATHAN S (See remarks)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2025-11-17	Dividend Equivalent Unit	A	238	$70.47	Acquired	147100	Direct
2025-11-17	Common Stock	S	20000	$72.80	Disposed	127100	Direct
2025-11-17	Common Stock	M	12000	$34.30	Acquired	139100	Direct
2025-11-17	Common Stock	S	12000	$72.80	Disposed	127100	Direct

Derivative Transactions

Date	Security	Exercise Price	Code	Shares	A/D	Expiration	Underlying	Ownership
2025-11-17	Employee Stock Option (right to buy)	$34.30	M	12000	Disposed	2027-04-01	Common Stock (12000)	Direct

Footnotes

F1: 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.

F2: This transaction was made pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on July 28, 2025.

F3: 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.