S-3 424B5 EX-FILING FEES 333-288729 0001601712 Synchrony Financial The prospectus is not a final prospectus for the related offering. 0001601712 2025-07-25 2025-07-25 0001601712 1 2025-07-25 2025-07-25 0001601712 2 2025-07-25 2025-07-25 iso4217:USD xbrli:pure xbrli:shares

Calculation of Filing Fee Tables

S-3

Synchrony Financial

Table 1: Newly Registered and Carry Forward Securities

Security Type

Security Class Title

Fee Calculation or Carry Forward Rule

Amount Registered

Proposed Maximum Offering Price Per Unit

Maximum Aggregate Offering Price

Fee Rate

Amount of Registration Fee

Carry Forward Form Type

Carry Forward File Number

Carry Forward Initial Effective Date

Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward

Newly Registered Securities
Fees to be Paid 1 Debt 5.019% Fixed-to-Floating Rate Senior Notes due 2029 457(r) 500,000,000 $ 500,000,000.00 0.0001531 $ 76,550.00
Fees to be Paid 2 Debt 6.000% Fixed-to-Floating Rate Senior Notes due 2036 457(r) 500,000,000 $ 500,000,000.00 0.0001531 $ 76,550.00
Fees Previously Paid
Carry Forward Securities
Carry Forward Securities

Total Offering Amounts:

$ 1,000,000,000.00

$ 153,100.00

Total Fees Previously Paid:

$ 0.00

Total Fee Offsets:

$ 0.00

Net Fee Due:

$ 153,100.00

Offering Note

1

Calculated in accordance with Rule 457(r) under the Securities Act of 1933, as amended (the "Securities Act"). Payment of the registration fee at the time of filing of the registrant's registration statement on Form S-3ASR, filed with the Securities and Exchange Commission on July 17, 2025 (File No. 333-288729), was deferred pursuant to Rules 456(b) and 457(r) under the Securities Act.

2

See Offering Note 1.