Synchrony Financial — Director's Dealing 2025

Mar 5, 2025

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: Synchrony Financial (SYF)
CIK: 0001601712
Period of Report: 2025-03-01

Reporting Person: Juel Carol (See remarks)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2025-03-01	Common Stock	A	24102	$60.68	Acquired	129923	Direct
2025-03-01	Common Stock	F	15518	$60.68	Disposed	114405	Direct
2025-03-03	Common Stock	M	16613	$34.30	Acquired	131018	Direct
2025-03-03	Common Stock	M	18145	$33.53	Acquired	149163	Direct
2025-03-03	Common Stock	S	13177	$57.43	Disposed	135986	Direct
2025-03-03	Common Stock	S	12367	$58.57	Disposed	123619	Direct
2025-03-03	Common Stock	S	46102	$59.29	Disposed	77517	Direct
2025-03-03	Common Stock	S	19404	$60.49	Disposed	58113	Direct
2025-03-03	Common Stock	S	363	$61.13	Disposed	57750	Direct

Derivative Transactions

Date	Security	Exercise Price	Code	Shares	A/D	Expiration	Underlying	Ownership
2025-03-03	Employee Stock Option (right to buy)	$34.30	M	16613	Disposed	2027-04-01	Common Stock (16613)	Direct
2025-03-03	Employee Stock Option (right to buy)	$33.53	M	18145	Disposed	2028-04-01	Common Stock (18145)	Direct

Footnotes

F1: Represents restricted stock units that will vest in three equal annual installments of 33.33% each, beginning on the first anniversary of the grant date. Each restricted stock unit represents a contingent right to receive one share of Synchrony Financial (the "Company") common stock.

F2: Reflects the number of shares of Company common stock automatically withheld by the Company to pay the tax liability of the reporting person in connection with the vesting of restricted stock units. No investment decision was made by the reporting person in connection with the withholding.

F3: This transaction was made pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on October 22, 2024.

F4: This price is a weighted average price. These shares were sold in multiple transactions at prices ranging from $56.96 to $57.87. Information regarding the number of shares sold at each price will be provided upon request.

F5: This price is a weighted average price. These shares were sold in multiple transactions at prices ranging from $57.98 to $58.92. Information regarding the number of shares sold at each price will be provided upon request.

F6: This price is a weighted average price. These shares were sold in multiple transactions at prices ranging from $58.96 to $59.95. Information regarding the number of shares sold at each price will be provided upon request.

F7: This price is a weighted average price. These shares were sold in multiple transactions at prices ranging from $59.96 to $60.93. Information regarding the number of shares sold at each price will be provided upon request.

F8: This price is a weighted average price. These shares were sold in multiple transactions at prices ranging from $61.05 to $61.19. Information regarding the number of shares sold at each price will be provided upon request.

F9: The reporting person was awarded employee stock options on April 1, 2017, which vest in five equal annual installments of 20% each, beginning on the first anniversary of the grant date.

F10: The reporting person was awarded employee stock options on April 1, 2018, which vest in five equal annual installments of 20% each, beginning on the first anniversary of the grant date.