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Synchrony Financial operates as a premier consumer financial services company in the United States. The company provides private label credit cards, dual cards, and small and medium-sized business credit products; promotional financing for consumer purchases, including installment loans; and promotional financing to consumers for elective healthcare procedures or services, such as dental, veterinary, cosmetic, vision, and audiology. The company provides its range of credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers. It also offers various deposit products, such as certificates of deposit, individual retirement accounts, money market accounts, and savings accounts directly to retail and commercial customers under the Optimizer+Plus brand. The company markets its deposit products through a range of channels comprising online, print, and radio advertising. Synchrony Financial was incorporated in 2003 and is headquartered in Stamford, Connecticut. Synchrony Financial operates as a subsidiary of GE Consumer Finance, Inc.