| Name of Subsidiary | Jurisdiction of Organization | |
| GPShopper, LLC | Delaware | |
| CareCredit LLC | California | |
| Loop Commerce, Inc. | Delaware | |
| Pets Best Insurance Services, LLC | Idaho | |
| Retail Finance Credit Services, LLC | Delaware | |
| Retail Finance International Holdings, Inc. | Delaware | |
| Retail Finance Servicing, LLC | Delaware | |
| RFS Holding, Inc. | Delaware | |
| RFS Holding, L.L.C. | Delaware | |
| Synchrony Bank | United States | |
| Synchrony Financial Canada | Ontario | |
| Synchrony Financial Canada Company | Nova Scotia | |
| Synchrony Global Services Philippines, Inc. | Philippines | |
| Synchrony Holding Company | Nova Scotia | |
| Synchrony International Resource Management, LLC | Delaware | |
| Synchrony International Services Private Limited | India | |
| Synchrony Lending, Inc. | Delaware | |
| Synchrony Sales Finance Holding, LLC | Delaware | |
| Synchrony Card Funding, LLC | Delaware | |
| Synchrony Financial Services Puerto Rico, LLC | Delaware | |
| Securitization Trusts Without taking a position as to whether they are “subsidiaries” within the meaning of Rule 405, the following securitization entities are consolidated within the Company’s financial statements: | ||
| Name of Trust | Jurisdiction of Organization | |
| Synchrony Credit Card Master Note Trust | Delaware | |
| Synchrony Sales Finance Master Trust | Delaware | |
| Synchrony Card Issuance Trust | Delaware | |