Carol Juel - 31 Dec 2024 Form 5 Insider Report for Synchrony Financial (SYF)

Role: EVP, Chief Technology and Operating Officer
Signature: /s/ Danielle Do, as attorney in fact
Issuer symbol: SYF
Transactions as of: 31 Dec 2024
Net transactions value: $0
Form type: 5
Filing time: 10 Feb 2025, 17:16:45 UTC
Previous filing: 19 Nov 2024
Next filing: 23 Jan 2025
SEC: View on sec.gov

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
holding	SYF	Phantom Stock Units						23,266	31 Dec 2024	Common Stock	23,266		Direct	F1, F2, F3

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	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"), as of June 14, 2021, the date the Reporting Person became a Section 16 Officer. This transaction is being reported late due to an inadvertent administrative error and not any error of the Reporting Person.
F2	Each phantom stock unit is the economic equivalent of one share of Synchrony Financial common stock.
F3	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 Company unless otherwise provided by the terms of the Restoration Plan or elected by the Reporting Person.

Remarks:

EVP, Chief Technology and Operating Officer