SYNOVUS FINANCIAL CORP.
                     2000 EMPLOYEE LONG-TERM INCENTIVE PLAN


SECTION 1.  General Purpose of Plan

The name of this plan is the Synovus Financial Corp. 2000 Employee Long-Term
Incentive Plan (the "Plan"), formerly the 1996 Employee Long-Term Incentive
Plan. The purpose of the Plan is to enable Synovus Financial Corp. (the
"Corporation") and its Subsidiaries to attract, retain, motivate, and reward
employees who make a significant contribution to the Corporation's long-term
success, and to enable such employees to acquire and maintain an equity interest
in Synovus Financial Corp.


SECTION 2.  Definitions

For purposes of the Plan, the following terms shall be defined as set forth
below:

      a.    "Award" means any award of Stock Options, Option Price Adjustment
            Rights, Stock Appreciation Rights, Restricted Stock, or Performance
            Awards, whether in cash or stock or a combination thereof,
            authorized by the Committee under this Plan.

      b.    "Board" means the Board of Directors of the Corporation or the
            Executive Committee of the Board of Directors of the Corporation.

      c.    "Cause" means a felony conviction of a Participant or the failure of
            a Participant to contest prosecution for a felony, or a
            Participant's willful misconduct, dishonesty, embezzlement, fraud,
            deceit or civil rights violations, any of which acts cause the
            Corporation or any Subsidiary liability or loss, as determined by
            the Board.

      d.    "Code" means the Internal Revenue Code of 1986, as amended, or any
            successor thereto.

      e.    "Committee" means the Compensation Committee, or any other committee
            of the Board appointed for the purpose of administering the Plan,
            which committee shall consist exclusively of two or more
            Disinterested Persons, at least two of whom are directors of both
            the Corporation and of Total System. In the context of Awards made
            to employees of Total System, the term "Committee" shall mean only
            those members of the Committee who are directors of both the
            Corporation and of Total System.

      f.    "Commission" means the Securities and Exchange Commission.

      g.    "Corporation" means Synovus Financial Corp.

      h.    "Disability" means total and permanent physical or mental disability
            or incapacity of an employee to fulfill at any time or from time to
            time his normal duties as an employee, as certified in writing by
            two competent physicians, one of which shall be selected by the
            Committee and the other of which shall be selected by the employee
            or his duly appointed guardian or legal or personal representative.
            In addition, for purposes of determining Disability as it applies to
            any Incentive Stock Option, the term "Disability" shall be
            interpreted consistently with Code Sections 421-424.

      i.    "Disinterested Person" is a person who meets both (i) the definition
            of "disinterested person" as set forth in Rule 16b-3 as promulgated
            by the Commission under the Exchange Act, or any successor
            definition adopted by the Commission, and (ii) the definition of
            "outside director" as set forth in Code Section 162(m), as amended
            from time to time.

      j.    "Early Retirement" means retirement from active employment with the
            Corporation or any Subsidiary pursuant to the early retirement
            provisions of the applicable Corporation or Subsidiary pension plan.

      k.    "Exchange Act" means the Securities Exchange Act of 1934, as
            amended, and any successor thereto.

      l.    "Fair Market Value" means, as of any given date, the closing price
            of the Stock on such date (or if no transactions were reported on
            such date on the next preceding date on which transactions were so
            reported) in the principal market in which such Stock is traded on
            such date as reported in The Wall Street Journal (or any other
            publication designated by the Committee) except that, with respect
            to grants of Restricted Stock, "Fair Market Value" for Restricted
            Stock on the date of grant shall be determined as of the time and
            date of the Restricted Stock grant by the Compensation Committee.

      m.    "Incentive Stock Option" means any Stock Option intended to be and
            designated as an "incentive stock option" within the meaning of
            Section 422 of the Code.

      n.    "Non-Qualified Stock Option" means any Stock Option that is not an
            Incentive Stock Option.

      o.    "Normal Retirement" means retirement from active employment with the
            Corporation or any Subsidiary on or after the normal retirement date
            specified in the applicable Corporation or Subsidiary pension plan.

      p.    "Option Price Adjustment Right" means a right granted under Section
            6 in tandem with a Stock Option which entitles the recipient to have
            applied as a credit against the exercise price of the related Stock
            Option an amount equal to: (i) the total number of shares of stock
            subject to the Option Price Adjustment Right (or the portion or
            portions thereof which the recipient from time to time elects to use
            for this purpose), multiplied by (ii) a fixed percentage of the Fair
            Market Value of a share of Stock on a date to be designated by the
            Committee.

      q.    "Participant"  means any  employee of the  Corporation  and its
            Subsidiaries  designated  by the  Committee to receive an Award
            under the Plan.

      r.    "Performance Award" means an award of shares of Stock or cash to a
            Participant pursuant to Section 9 contingent upon achieving certain
            performance goals.

      s.    "Plan" means this Synovus Financial Corp. 2000 Employee Long-Term
            Incentive Plan.

      t.    "Restricted Stock" means an award of shares of Stock that are
            subject to restrictions under Section 8.

      u.    "Retirement" means Normal or Early Retirement under the applicable
            Corporation or Subsidiary pension plan.

      v.    "Stock" means the common stock of the Corporation or any successor
            corporation.

      w.    "Stock Appreciation Right" means a right granted under Section 7,
            which entitles the holder to receive a cash payment or an award of
            Stock or, if applicable, as a credit against the purchase price of a
            related Stock Option, in an amount equal to the difference between
            (i) the Fair Market Value of the Stock covered by such right at the
            date the right is granted and (ii) the Fair Market Value of the
            Stock covered by such right at the date the right is exercised,
            unless otherwise determined by the Committee pursuant to Section 7,
            multiplied by the number of shares covered by the right.

      x.    "Stock Option" means any option to purchase shares of Stock granted
            to employees pursuant to Section 6.

      y.    "Subsidiary" means any corporation (other than Synovus Financial
            Corp.) in an unbroken chain of corporations beginning with the
            Corporation if each of the corporations (other than the last
            corporation in the unbroken chain) owns stock possessing 50% or more
            of the total combined voting power of all classes of stock in one of
            the other corporations in the chain.

      z.    "Total System" means Total System Services,  Inc., a Subsidiary of
            the Corporation of which  approximately 19% of the stock is publicly
            held.

SECTION 3.  Administration

The Plan shall be administered by the Committee which shall at all times consist
of not less than two Disinterested Persons, at least two of whom are directors
of both the Corporation and of Total System. Whenever under this Plan, any act
or decision is to be made with respect to Awards made to employees of Total
System, including without limitation the selection of Total System employees
for the grant of Awards and the establishment, administration and certification
of attainment of relevant performance goals, if any, such act or decision shall
be made by, and the term "Committee" in that context shall mean, only those
members of the Committee who are directors of both the Corporation and of Total
Systems.

The Committee shall have the power and authority to grant to eligible employees,
pursuant to the terms of the Plan: (i) Stock Options; (ii) Option Price
Adjustment Rights; (iii) Stock Appreciation Rights; (iv) Restricted Stock; or
(v) Performance Awards.

In particular, the Committee shall have the authority:

     (i)  to select the employees of the Corporation and its Subsidiaries to
          whom Stock Options, Option Price Adjustment Rights, Stock Appreciation
          Rights, Restricted Stock, or Performance Awards or a combination of
          the foregoing from time to time will be granted hereunder; (ii) to
          grant Incentive Stock Options, Non-Qualified Stock Options, Option
          Price Adjustment Rights, Stock Appreciation Rights, Restricted Stock,
          or Performance Awards, or a combination of the foregoing, hereunder;
          (iii) to determine the number of shares of Stock to be covered by each
          such Award granted hereunder;

     (iv) to determine the terms and conditions, not inconsistent with the terms
          of the Plan, of any Award granted hereunder including, but not limited
          to, any restriction on any Award and/or the shares of Stock relating
          thereto based on performance and/or such other factors as the
          Committee may determine, in its sole discretion, and any vesting
          acceleration features based on performance and/or such other factors
          as the Committee may determine, in its sole discretion;

     (v)  to determine whether, to what extent and under what circumstances
          Stock and other amounts payable with respect to an Award under this
          Plan shall be deferred either automatically or at the election of a
          Participant, including providing for and determining the amount (if
          any) of deemed earnings on any deferred amount during any deferral
          period.

Subject to Section 10, the Committee shall have the authority to adopt, alter
and repeal such administrative rules, guidelines and practices governing the
Plan as it shall, from time to time, deem advisable; to interpret the terms and
provisions of the Plan and any Award issued under the Plan (and any agreements
relating thereto); and to otherwise supervise the administration of the Plan.

All decisions made by the Committee pursuant to the provisions of the Plan shall
be final and binding on all persons, including the Corporation and all Plan
Participants. It is not anticipated that the Plan will be presented for
shareholder approval.


SECTION 4.  Stock Subject to Plan

The total number of shares of Stock reserved and available for distribution
under the Plan shall be 20,000,000. Such shares may consist, in whole or in
part, of authorized and unissued shares or treasury shares.

If any shares of Stock that have been subject to option cease to be subject to
option without having been exercised, or if any shares subject to any Restricted
Stock, Option Price Adjustment Rights, Stock Appreciation Rights, or Performance
Awards granted hereunder are forfeited or such Awards are otherwise terminated
without having been exercised, such shares shall again be available for
distribution in connection with future Awards under the Plan in each case to the
full extent available pursuant to the rules and interpretations of the
Securities and Exchange Commission under Section 16 of the Exchange Act. In the
event that prior to the Award's cancellation, termination, expiration, or lapse,
the holder of the Award at any time received one or more "benefits of ownership"
pursuant to such Award (as defined by the Securities and Exchange Commission,
pursuant to any rule or interpretation promulgated under Section 16 of the
Exchange Act), the Stock subject to such Award shall not be available for
regrant under the Plan.

In the event of any merger, reorganization, consolidation, recapitalization,
stock dividend, or other change in corporate structure affecting the Stock, a
substitution or adjustment shall be made in the aggregate number of shares
reserved for issuance under the Plan, in the number and option price of shares
subject to outstanding Stock Options granted under the Plan and in the number of
shares subject to Stock Appreciation Rights, Option Price Adjustment Rights,
Restricted Stock or Performance Awards granted under the Plan as may be
determined to be appropriate by the Committee, in its sole discretion, in order
to preserve each Participant's rights substantially proportionate to the
Participant's rights existing prior to such event, provided that the number of
shares subject to any Award shall always be a whole number. Such adjusted option
price shall also be used to determine the amount payable by the Corporation upon
the exercise of any Stock Appreciation Rights or Option Price Adjustment Rights
associated with any Stock Option the price of which is adjusted.

Notwithstanding any provision in the Plan to the contrary, the maximum number of
shares of Stock with respect to one or more Awards that may be granted to any
one Participant in any calendar year shall be 2,000,000.

SECTION 5.  Eligibility

Any employee of the Corporation or any of its Subsidiaries (but excluding
members of the Committee and any person who is a director of the Corporation or
any Subsidiary, but not an employee of the Corporation or any Subsidiary) is
eligible to be granted Stock Options, Option Price Adjustment Rights, Stock
Appreciation Rights, Restricted Stock or Performance Awards. The Participants
under the Plan shall be selected from time to time by the Committee, in its sole
discretion, from among those eligible, and the Committee shall determine, in its
sole discretion, the number of shares covered by each Award or grant.


SECTION 6.  Stock Options

Stock Options may be granted either alone or in addition to other Awards granted
under the Plan. Any Stock Option granted under the Plan shall be in such form as
the Committee may from time to time approve, and the provisions of Stock Option
Awards need not be the same with respect to each optionee.

The Stock Options granted under the Plan may be of two types: (i) Incentive
Stock Options (subject to the provisions of Section 15 of the Plan) and (ii)
Non-Qualified Stock Options.

The Committee shall have the authority to grant any optionee Incentive Stock
Options, Non-Qualified Stock Options, or both types of Stock Options (in each
case with or without Option Price Adjustment Rights or Stock Appreciation
Rights). To the extent that any Stock Option does not qualify as an Incentive
Stock Option, it shall constitute a separate Non-Qualified Stock Option.

Anything in the Plan to the contrary notwithstanding, no term of this Plan
relating to Incentive Stock Options shall be interpreted, amended or altered,
nor shall any discretion or authority granted under the Plan be so exercised, so
as to disqualify either the Plan or any Incentive Stock Option under Section 422
of the Code.

Stock Options granted under the Plan shall be subject to the following terms and
conditions and shall contain such additional terms and conditions, not
inconsistent with the terms of the Plan, as the Committee shall deem desirable:

     (a)  Option Price. The option price per share of Stock purchasable under a
          Stock Option shall be determined by the Committee at the time of
          grant. The option price per share of Stock may be equal to or more or
          less than the Fair Market Value of the Stock on the date of grant,
          except that the option price for any Incentive Stock Option shall be
          not less than 100% of the Fair Market Value of the Stock on the date
          of the grant of the Stock Option (determined without regard to any
          Option Price Adjustment Rights or Stock Appreciation Rights). If the
          option is an Incentive Stock Option and if the employee to whom the
          Incentive Stock Option is granted owns directly or indirectly more
          than 10% of the total combined voting power of all classes of Stock
          immediately before the grant of the option, then the option price per
          share of Stock must be at least 110% of the Fair Market Value of the
          Stock on the date of grant.

     (b)  Option Term. The term of each Stock Option shall be fixed by the
          Committee, but no Stock Option shall be exercisable more than ten
          years after the date such Stock Option is granted. If the option is an
          Incentive Stock Option and if the employee to whom the Incentive Stock
          Option is granted owns directly or indirectly more than 10% of the
          total combined voting power of all classes of Stock immediately before
          the grant of the option, then the term of the option may not exceed
          five years.

     (c)  Exercisability. Subject to paragraph (j) of this Section 6 with
          respect to Incentive Stock Options, Stock Options shall be exercisable
          at such time or times and subject to such terms and conditions as
          shall be determined by the Committee at grant, provided, however, that
          except as provided in paragraphs (f) and (g) of Section 6, unless a
          longer vesting period is otherwise determined by the Committee at
          grant, no Stock Option shall be exercisable for a period of six months
          after the date of the grant of the option. If the Committee provides,
          in its discretion, that any Stock Option is exercisable only in
          installments, the Committee may waive such installment exercise
          provision at any time in whole or in part based on performance and/or
          such other factors as the Committee may determine in its sole
          discretion.

     (d)  Method of Exercise. Stock Options may be exercised in whole or in part
          at any time during the exercise period described in Section 6(c) by
          giving written notice of exercise to the Corporation specifying the
          number of shares to be purchased, accompanied by payment in full of
          the purchase price, in cash, by check or such other instrument as may
          be acceptable to the Committee. If approved and as determined by the
          Committee, in its sole discretion, at or after grant, payment in full
          or in part may also be made in the form of unrestricted Stock owned by
          the optionee (based on the Fair Market Value of the Stock on the date
          the option is exercised, as determined by the Committee). Payment of
          the exercise price of a Stock Option and any withholding tax due at
          exercise also may be made through any program or procedure (including
          but not limited to a broker-dealer cashless exercise program) if
          approved by the Committee. No shares of Stock resulting from the
          exercise of a Stock Option shall be issued until full payment therefor
          has been made. An optionee shall have the rights to dividends or other
          rights of a stockholder with respect to shares subject to the option
          when the optionee has given written notice of exercise and has paid in
          full for such shares.

     (e)  Transferability of Options.

          (1)  Incentive Stock Options. No Incentive Stock Option shall be
               transferable by the optionee, otherwise than by will or by the
               laws of descent and distribution, or be subject to attachment,
               execution or similar process. All Incentive Stock Options shall
               be exercisable, during the optionee's lifetime, only by the
               optionee.

          (2)  Non-Qualified Stock Options. Non-Qualified Stock Options shall
               likewise be non-transferable by the optionee, otherwise than by
               will or by the laws of descent and distribution, and not subject
               to attachment, execution or similar process; provided, however,
               that the Committee may by resolution or after grant designate
               existing or future Non-Qualified Stock Options as "transferable,"
               meaning that the optionee may sign an agreement which transfers
               all or a portion of such Non-Qualified Stock Option (either
               exercisable or non-exercisable) to (A) a member of the optionee's
               Immediate Family, (B) any trust or trusts in which members of the
               optionee's Immediate Family have more than a fifty percent (50%)
               beneficial interest, (C) any entity in which optionee and/or
               members of the optionee's Immediate Family own more than fifty
               percent (50%) of the voting interests, or (D) any foundation in
               which optionee and/or optionee's Immediate Family members control
               the management of the foundation's assets, subject to such terms
               and conditions as the Committee may establish. The form of
               agreement pursuant to which such options are transferred must be
               approved by the Committee and executed by the optionee,
               transferee and the Company. Following transfer, any such options
               shall continue to be subject to the same terms and conditions as
               were applicable immediately prior to transfer, except that the
               term "optionee" shall be deemed to refer to the transferee
               subject to any terms and conditions established by the Committee.
               Subsequent transfers of such transferred options shall be
               prohibited, except by will or the laws of descent and
               distribution. For purposes of this Subsection, "Immediate Family"
               means the optionee's child, stepchild, grandchild, parent,
               stepparent, grandparent, spouse, former spouse, sibling,
               mother-in-law, father-in-law, son-in-law, daughter-in-law,
               brother-in-law, sister-in-law, nephew or niece of the optionee
               (including by adoption), and any person sharing the optionee's
               household (other than a tenant or employee).

     (f)  Termination by Death (other than by suicide). Unless otherwise
          determined by the Committee at or after grant, if any optionee's
          employment with the Corporation or any Subsidiary terminates by reason
          of death (other than by suicide), the Stock Option may thereafter be
          immediately exercised, to the extent then exercisable (or on such
          accelerated basis as the Committee shall determine at or after grant),
          by the legal representative of the estate or by the legatee of the
          optionee under the will of the optionee, for a period of one year from
          the date of such death or until the expiration of the stated term of
          such Stock Option, whichever period is the shorter.

     (g)  Termination by Reason of Disability. Unless otherwise determined by
          the Committee at or after grant, if any optionee's employment with the
          Corporation or any Subsidiary terminates by reason of Disability, any
          Stock Option held by such optionee may thereafter be exercised, to the
          extent it was exercisable at the time of termination due to Disability
          (or on such accelerated basis as the Committee shall determine at or
          after grant), but may not be exercised after one year from the date of
          such termination of employment or the expiration of the stated term of
          such Stock Option, whichever period is the shorter; provided, however,
          that, if the optionee dies within such one year period, any
          unexercised Stock Option held by such optionee shall thereafter be
          exercisable to the extent to which it was exercisable at the time of
          death for a period of twelve months from the date of such death or for
          the stated term of such Stock Option, whichever period is the shorter.
          In the event of termination of employment by reason of Disability, if
          an Incentive Stock Option is exercised after the expiration of the
          exercise periods that apply for purposes of Section 422 of the Code,
          such Stock Option will thereafter be treated as a Non-Qualified Stock
          Option.

     (h)  Termination by Reason of Retirement. Unless otherwise determined by
          the Committee at or after grant, if any optionee's employment with the
          Corporation or any Subsidiary terminates by reason of Normal or Early
          Retirement, any Stock Option held by such optionee may thereafter be
          exercised to the extent it was exercisable at the time of such
          Retirement (or on such accelerated basis as the Committee shall
          determine at or after grant), but may not be exercised after the
          expiration of the stated term of such Stock Option; and, provided that
          if the optionee dies within such period any unexercised Stock Option
          held by such optionee shall thereafter be exercisable, to the extent
          to which it was exercisable at the time of death, for the remainder of
          the stated term of the Stock Option. In the event of termination of
          employment by reason of Retirement, if an Incentive Stock Option is
          exercised after the exercise periods that apply for purposes of
          Section 422 of the Code, such Stock Option will thereafter be treated
          as a Non-Qualified Stock Option.

     (i)  Other Termination. Unless otherwise determined by the Committee at or
          after grant, if an optionee's employment with the Corporation or any
          Subsidiary terminates for Cause or for death by reason of suicide or
          for any reason other than Disability or Normal or Early Retirement or
          death other than by suicide, the Stock Option shall thereupon
          terminate, except that such Stock Option may be exercised to the
          extent such Stock Option could have been exercised on the date of
          cessation of employment for the lesser of three months from the date
          of termination or the balance of such Stock Option's term if the
          optionee's employment with the Corporation or any Subsidiary is
          involuntarily terminated by the optionee's employer without Cause.

     (j)  Limit on Value of Incentive Stock Options First Exercisable Annually.
          The aggregate Fair Market Value (determined at the time of grant) of
          the Stock for which "incentive stock options" within the meaning of
          Section 422 of the Code are exercisable for the first time by an
          optionee during any calendar year under the Plan (and/or any other
          stock option plans of the Corporation or any Subsidiary) shall not
          exceed $100,000.

     (k)  Option Price Adjustment Rights. The Committee shall have the
          discretion to grant Option Price Adjustment Rights in conjunction with
          all or part of any Stock Option granted under the Plan, either at or
          after the time of grant of such Stock Option. Option Price Adjustment
          Rights shall be exercisable only at such time as and to the same
          extent that the Stock Options to which the Option Price Adjustment
          Rights relate are exercisable. An Option Price Adjustment Right
          granted with respect to a given Stock Option shall terminate and no
          longer be exercisable upon the termination or exercise of the related
          Stock Option. An Option Price Adjustment Right may be exercised by an
          optionee by exercising and surrendering the applicable potion of the
          related Stock Option. Upon such exercise and surrender, the optionee
          shall be entitled to have applied as a credit against the exercise
          price of the related Stock Option an amount equal to: (i) the total
          number of shares of stock subject to the Option Price Adjustment Right
          (or the portion or portions thereof which the optionee from time to
          time elects to use for this purpose), multiplied by (ii) a fixed
          percentage of the Fair Market Value of a share of Stock on a date to
          be designated by the Committee.

SECTION 7.  Stock Appreciation Rights

     (a)  Grant and Exercise When Granted in Conjunction With Stock Options.
          Stock Appreciation Rights may be granted alone or in conjunction with
          all or part of any Stock Option granted under the Plan and may contain
          terms and conditions different from those of the related Stock Option,
          except as otherwise provided below. In the case of a Non-Qualified
          Stock Option, such rights may be granted either at or after the time
          of the grant of such Non-Qualified Stock Option. In the case of an
          Incentive Stock Option, such rights may be granted only at the time of
          the grant of such Incentive Stock Option.

          A Stock Appreciation Right or applicable portion thereof granted
          with respect to a given Stock Option shall terminate and no longer
          be exercisable upon the termination or exercise of the related
          Stock Option, except that, unless otherwise provided by the
          Committee at the time of grant, a Stock Appreciation Right granted
          with respect to less than the full number of shares covered by a
          related Stock Option shall only be reduced if and to the extent
          that the number of shares covered by the exercise or termination
          of the related Stock Option exceeds the number of shares not
          covered by the Stock Appreciation Right.

          A Stock Appreciation Right may be exercised by an optionee, in
          accordance with paragraph (c) of this Section 7, by surrendering
          the applicable portion of the related Stock Option. Upon such
          exercise and surrender, the optionee shall be entitled to receive
          an amount determined in the manner prescribed in paragraph (c) of
          this Section 7. Stock Options which have been so surrendered, in
          whole or in part, shall no longer be exercisable to the extent the
          related Stock Appreciation Rights have been exercised.

     (b)  Grant and Exercise When Granted Alone. Stock Appreciation Rights may
          be granted at the discretion of the Committee in a manner not related
          to an award of a Stock Option. The Committee should have the
          discretion to determine the terms and conditions of any Stock
          Appreciation Rights not related to a Stock Option Award. A Stock
          Appreciation Right granted under this Section 7(b) is not exercisable
          for a period of six months from the date of grant, unless a longer
          period is otherwise determined by the Committee. The Stock
          Appreciation Right, granted under Section 7(b), shall be exercisable
          in accordance with Section 7(c) over a period not to exceed ten years.
          Any Stock Appreciation Right which is outstanding on the last day of
          the exercisable period shall be automatically exercised on such date
          for cash or Common Stock, as determined by the Committee, without any
          action by the holder if, on that date, the Fair Market Value of the
          Stock exceeds the exercise price of the Stock Appreciation Right.

     (c)  Terms and Conditions. Stock Appreciation Rights shall be subject to
          such terms and conditions, not inconsistent with the provisions of the
          Plan, as shall be determined from time to time by the Committee,
          including the following:

          (i)  Stock Appreciation Rights granted pursuant to Section 7(a) shall
               be exercisable only at such time or times and to the extent that
               the Stock Options to which the Stock Appreciation Rights relate
               shall be exercisable in accordance with the provisions of Section
               6 and this Section 7 of the Plan; provided, however, that any
               Stock Appreciation Right granted subsequent to the grant of the
               related Stock Option shall not be exercisable during the first
               six months of the term of the Stock Appreciation Right, except
               that this additional limitation shall not apply in the event of
               death other than by suicide or Disability of the optionee prior
               to the expiration of the six-month period.

          (ii) Upon the exercise of a Stock Appreciation Right granted pursuant
               to Section 7(a), an optionee shall be entitled to receive an
               amount in cash or shares of Stock equal in value to the excess of
               the Fair Market Value of one share of Stock over the option price
               per share specified in the related Stock Option, multiplied by
               the number of shares in respect of which the Stock Appreciation
               Right shall have been exercised, with the Committee having the
               right to determine the form of payment. Upon the exercise of a
               Stock Appreciation Right granted pursuant to Section 7(b), the
               holder shall be entitled to receive an amount in cash or shares
               of Stock equal in value to the excess of the Fair Market Value of
               one share of Stock over the Fair Market Value of one share of
               Stock at the date the Stock Appreciation Right was granted
               multiplied by the number of shares in respect of which the Stock
               Appreciation Right shall have been exercised, with the Committee
               having the right to determine the form of payment.

          (iii)No Stock Appreciation Right shall be transferable by the holder,
               other than by will or the laws of descent and distribution, or be
               subject to attachment, execution or similar process. All Stock
               Appreciation Rights shall be exercisable, during the holder's
               lifetime, only by the holder.

          (iv) Upon the exercise of a Stock Appreciation Right granted pursuant
               to Section 7(a), the Stock Option or part thereof to which such
               Stock Appreciation Right is related shall be deemed to have been
               exercised for the purpose of the limitation set forth in Section
               4 of the Plan on the number of shares of Stock to be issued under
               the Plan.

          (v)  A Stock Appreciation Right granted in connection with an
               Incentive Stock Option pursuant to Section 7(a), may be exercised
               only if and when the market price of the Stock subject to the
               Incentive Stock Option exceeds the exercise price of such Stock
               Option.

          (vi) In its sole discretion, the Committee may provide, at the time of
               grant of a Stock Appreciation Right under this Section 7, that
               such Stock Appreciation Right can be exercised only in the event
               of a "Change of Control" (as defined in Section 12 below).
               Furthermore, the Committee may provide, at the time of grant of
               any Stock Appreciation Right, that such Stock Appreciation Right
               can be exercised only upon the attainment of specified
               performance goals or other such criteria as the Committee may
               determine in its sole discretion.

          (vii)In the discretion of the Committee, if the Plan is approved by
               the shareholders of the Corporation in accordance with Section 15
               of the Plan, a Stock Appreciation Right may provide that any
               exercise by a Participant of all or a portion of a Stock
               Appreciation Right for cash, may only be made during the period
               beginning on the third business day following the date of the
               Corporation's release of its quarterly or annual summary
               statements of earnings to the public and ending on the twelfth
               business day following such date; provided, however, that the
               foregoing shall not apply to any exercise by a Participant of a
               Stock Appreciation Right for cash where the date of exercise is
               automatic or fixed in advance under the Plan and is outside the
               control of the Participant.

SECTION 8.  Restricted Stock

     (a)  Administration. Shares of Restricted Stock may be issued either alone
          or in addition to other Awards granted under the Plan. The Committee
          shall determine the employees of the Corporation and its Subsidiaries
          to whom, and the time or times at which, grants of Restricted Stock
          will be made, the number of shares to be awarded, the price, if any,
          to be paid by the recipient of Restricted Stock (subject to Section
          8(b) hereof), the time or times within which such Awards may be
          subject to forfeiture, the nature of the restrictions, including any
          performance requirements, the circumstances under which restrictions
          will lapse and all other conditions of the Awards. The Committee may
          also condition the grant of Restricted Stock upon the attainment of
          specified performance goals, or such other criteria as the Committee
          may determine, in its sole discretion. The provisions of Restricted
          Stock Awards need not be the same with respect to each recipient.

     (b)  Awards and Certificates. The prospective recipient of an Award of
          shares of Restricted Stock shall not have any rights with respect to
          such Award, unless and until such recipient has executed an agreement
          evidencing the Award (a "Restricted Stock Award Agreement") and has
          delivered a fully executed copy thereof to the Corporation, and has
          otherwise complied with the then applicable terms and conditions.

          (i)  Awards of Restricted Stock must be accepted within a period of
               thirty days (or such shorter period as the Committee may specify)
               after the Award date by executing a Restricted Stock Award
               Agreement and paying whatever price, if any, is required.

          (ii) Each Participant who is awarded Restricted Stock shall be issued
               a stock certificate in respect of such shares of Restricted Stock
               to be held in escrow as described below.

               Such certificate shall be registered in the name of the
               Participant, and shall bear an appropriate legend
               referring to the terms, conditions, and restrictions
               applicable to such Award, substantially in the
               following form:

                          "The transferability of this certificate and the
                          shares of stock represented hereby are subject to
                          the terms and conditions (including forfeiture)
                          of the Synovus Financial Corp. 2000 Employee
                          Long-Term Incentive Plan and a Restricted Stock
                          Award Agreement entered into between the
                          registered owner and Synovus Financial Corp.
                          Copies of such Plan and Agreement are on file in
                          the offices of Synovus Financial Corp., One
                          Arsenal Place, 901 Front Avenue, Suite 301,
                          Columbus, Georgia, 31901."

          (iii)The Committee shall require that the stock certificate
               evidencing such shares be held in escrow by Synovus Trust Company
               ("STC"), or any other escrow agent designated by the Committee
               until the restrictions thereon shall have lapsed, and that, as a
               condition of any Restricted Stock Award, the Participant shall
               have delivered a stock power, endorsed in blank, relating to the
               Stock covered by such Award. In the event the Participant has
               obtained a loan to purchase the Restricted Stock or to pay any
               taxes due with respect to the Restricted Stock, STC or other
               escrow agent shall have the right to require that the shares
               continue to be held in escrow until such loan is repaid.

     (c)  Restrictions and Conditions. The shares of Restricted Stock awarded
          pursuant to this Section 8 shall be subject to the following
          restrictions and conditions:

          (i)  Subject to the provisions of this Plan and Restricted Stock Award
               Agreements, during the period of six months after the Award or
               such longer period as may be set by the Committee commencing on
               the grant date (the "Restriction Period"), the Participant shall
               not be permitted to sell, transfer, pledge or assign shares of
               Restricted Stock awarded under the Plan. Within these limits, the
               Committee may, in its sole discretion, provide for the lapse of
               such restrictions in installments and may accelerate or waive
               such restrictions in whole or in part based on performance and/or
               such other factors as the Committee may determine, in its sole
               discretion.

          (ii) Except as provided in paragraph (c)(i) of this Section 8, the
               Participant shall have, with respect to the shares of Restricted
               Stock, all of the rights of a stockholder of the Corporation,
               including the right to receive any dividends, unless the
               Committee shall declare otherwise at the time of the Award.

               Dividends paid in cash with respect to shares of
               Restricted Stock shall not be subject to any
               restrictions or subject to forfeiture. Dividends paid
               in Stock of the Corporation or Stock received in
               connection with a stock split with respect to
               Restricted Stock shall be subject to the same
               restrictions as on such Restricted Stock. Certificates
               for shares of unrestricted Stock shall be delivered to
               the Participant promptly after, and only after, the
               period of forfeiture shall expire without forfeiture in
               respect of such shares of Restricted Stock and the
               repayment of any loans obtained to purchase the
               Restricted Stock or to pay any taxes due with respect
               to the Restricted Stock.

          (iii)Subject to the provisions of the Restricted Stock Award Agreement
               and this Section 8, upon termination of employment for any reason
               during the Restriction Period, all shares still subject to
               restriction (together with any price paid for such shares by the
               Participant) shall be forfeited by the Participant, unless
               otherwise determined by the Committee.

          (iv) The Committee may, in its sole discretion, waive in whole or in
               part any or all restrictions with respect to any Participant's
               shares of Restricted Stock.

SECTION 9.  Performance Awards

     (a)  Administration. Shares of Stock and/or a payment in cash may be
          distributed under the Plan to an employee upon the attainment of
          performance objectives, as a Performance Award. The Committee shall
          determine the employees of the Corporation and its Subsidiaries to
          whom Performance Awards are granted, the terms and conditions of the
          performance objectives, the term of the performance period and the
          value and form of the payment of the Performance Award.

     (b)  Performance Objectives. The Committee, in its sole discretion may
          establish, under this Section 9, performance objectives either in
          terms of Corporation-wide objectives or in terms of objectives that
          are related to the specific performance of an employee or a bank, a
          group, division, department, or Subsidiary within the Corporation in
          which the Participant is employed. A minimum level of performance, at
          the discretion of the Committee, may be established.

          If, at the end of the performance period, the specified objectives
          have been attained, the Participant is deemed to have fully earned
          the Performance Award. If such performance objectives are only
          partially attained, the Participant may be deemed by the Committee
          to have partly earned the Performance Award and would become
          eligible to receive a portion of the total Award, as determined by
          the Committee. If a required minimum level of achievement has not
          been met, as determined by the Committee, the Participant is
          entitled to no portion of the Performance Award. If, at the end of
          the performance period, performance exceeds the target, the
          Participant, at the Committee's discretion, may receive a multiple
          of the Performance Award. The Committee may adjust the payment of
          Awards or the performance objectives if events occur or
          circumstances arise which would cause a particular payment or set
          of performance objectives to be inappropriate as a measure of
          performance.

     (c)  Terms and Conditions. A Participant to whom a Performance Award has
          been granted is given performance objectives to be reached over a
          specified period, the "performance period." Generally this period
          shall be not less than one year.

          Any Participant granted a Performance Award pursuant to this
          Section 9 who by reason of death (other than by suicide),
          Disability or Retirement terminates employment before the end of
          the performance period is entitled to receive a portion of any
          earned Performance Award. The Committee, in its discretion, will
          determine the amount of the Performance Award earned, if any, and
          the time at which payment will be made.

          A Participant who terminates employment for any other reason,
          including death by suicide, forfeits all rights under the
          Performance Award.

SECTION 10.  Amendments and Termination

The Board may amend, alter, or discontinue the Plan at any time, but no
amendment, alteration, or discontinuation shall be made which affects an
existing Award under the Plan without the optionee's or Participant's consent.
If stockholder approval of this Plan is obtained, no amendment, alteration or
discontinuation shall be made by the Board which, without the approval of the
stockholders, would:

     (a)  increase the total number of shares reserved for the purpose of the
          Plan, except as provided for in accordance with Section 4 of the Plan;

     (b)  decrease the option price of any Stock Option to less than 100% of the
          Fair Market Value on the date of the granting of the option, except as
          provided for in accordance with Section 4 of the Plan;

     (c)  change the Participants or class of Participants eligible to
          participate in the Plan;

     (d)  extend the maximum option period under paragraph (b) of Section 6 of
          the Plan; or

     (e)  materially increase in any other way the benefits accruing to
          Participants.

The Committee may amend the terms of any Award or option theretofore granted,
prospectively or retroactively, but no such amendment shall affect an existing
Award under the Plan without the Participant's consent. The Committee may also
substitute new Stock Options for previously granted Stock Options, including
options granted under other plans applicable to the Participant, and previously
granted Stock Options having higher option prices.

SECTION 11.  Change of Control

The following provisions shall apply in the event of a "Change of Control," as
defined in this Section 11:

     (a)  In the event of a "Change of Control" as defined in paragraph (c) of
          this Section 11, the vesting of any outstanding Stock Options, Option
          Price Adjustment Rights, Stock Appreciation Rights, Restricted Stock
          or Performance Awards shall be accelerated so that all Awards not
          previously exercisable and vested are fully exercisable and vested.

     (b)  If the employment of a Participant is terminated for any reason
          following a Change of Control, any outstanding Stock Options, Option
          Price Adjustment Rights, Stock Appreciation Rights, Restricted Stock
          or Performance Awards granted to the Participant that are not fully
          exercisable and vested shall become fully exercisable and vested as of
          the date of such termination of employment and any obligations to pay
          amounts to the Corporation or any Subsidiary in connection with an
          Award shall be terminated as of the date of such termination of
          employment.

     (c)  For purposes of this Section 11, a "Change of Control" means the
          happening of any of the following:

          (i)  when any "person," as such term is used in Section 13(d) and
               14(d) of the Exchange Act (other than the Corporation or a
               Subsidiary or any Corporation employee benefit plan (including
               its trustee)), is or becomes the "beneficial owner" (as defined
               in Rule 13d-3 under the Exchange Act), directly or indirectly of
               securities of the Corporation representing 20% or more of the
               combined voting power of the Corporation's then outstanding
               securities;

          (ii) the occurrence of a transaction requiring stockholder approval
               for the acquisition of the Corporation by an entity other than
               the Corporation or a Subsidiary through purchase of assets, or by
               merger, or otherwise;

          (iii)the filing of an application with any regulatory authority having
               jurisdiction over the ownership of the Corporation by any
               "person," as defined in the preceding paragraph, to acquire 20%
               or more of the combined voting power of the Corporation's then
               outstanding securities; or

          (iv) the occurrence of a "Triggering Event" as such term is defined in
               the Rights Agreement dated April 20, 1989, by and between the
               Corporation and Trust Company Bank, the provisions of which are
               incorporated herein by this reference.

     (d)  For purposes of this Section 11, a "Change of Control" shall not
          result from any transaction precipitated by the Corporation's
          insolvency, appointment of a conservator, or determination by a
          regulatory agency that the Corporation is insolvent, nor from any
          transaction initiated by the Corporation in regard to creating a
          holding company of which the Corporation would be a primary entity,
          nor from any transaction initiated by the Corporation in regard to
          converting from a publicly traded company to a privately held company.

SECTION 12.  General Provisions

     (a)  All certificates for shares of Stock delivered under the Plan shall be
          subject to such stock transfer orders and other restrictions as the
          Committee may deem advisable under the rules, regulations, and other
          requirements of the Commission, any stock exchange upon which the
          Stock is then listed, and any applicable Federal or state securities
          or other laws, and the Committee may cause a legend or legends to be
          put on any such certificates to make appropriate reference to such
          restrictions.

     (b)  Nothing set forth in this Plan shall prevent the Board from adopting
          other or additional compensation arrangements, subject to stockholder
          approval if such approval is required; and such arrangements may be
          either generally applicable or applicable only in specific cases. The
          Corporation and its Subsidiaries specifically reserve the right to
          terminate (whether by dismissal, discharge, retirement or otherwise)
          any Participant's employment with the Company or a Subsidiary at any
          time at will. Neither the granting of an Award nor the adoption of the
          Plan shall confer upon any employee of the Corporation or its
          Subsidiaries any right to continued employment with the Corporation or
          a Subsidiary, as the case may be, nor shall it interfere in any way
          with the right of the Corporation or a Subsidiary to terminate the
          employment of any of its employees at any time.

     (c)  Each Participant shall, no later than the date as of which the value
          of an Award first becomes includable in the gross income of the
          Participant for Federal income tax purposes, pay to the Corporation,
          or make arrangements satisfactory to the Committee regarding payment
          of, any Federal, state, or local taxes of any kind required by law to
          be withheld with respect to the Award. The obligations of the
          Corporation under the Plan shall be conditional on such payment or
          arrangements and the Corporation (and, where applicable, its
          Subsidiaries), shall, to the extent permitted by law, have the right
          to deduct any such taxes from any payment of any kind otherwise due to
          the Participant. A Participant may irrevocably elect to have the
          withholding tax obligations or, in the case of all Awards hereunder
          except Stock Options which have related Option Price Adjustment Rights
          or Stock Appreciation Rights, if the Committee so determines, any
          additional tax obligation with respect to any Awards hereunder
          satisfied by (a) having the Corporation withhold shares of Stock
          otherwise deliverable to the Participant with respect to the Award or
          (b) delivering to the Corporation shares of unrestricted Stock;
          provided, however, that if the Participant is an "officer" of the
          Corporation within the meaning of Section 16 of the Exchange Act, no
          such election shall be made (i) unless the Plan has been approved by
          shareholders in accordance with Section 15 of the Plan and (ii) such
          election is made either (a) during one of the "window" periods
          described in section (c)(3)(iii) of Rule 16b-3 promulgated under the
          Exchange Act, or (b) at least six months prior to the date income is
          recognized with respect to the Award.

     (d)  No members of the Board or the Committee, nor any officer or employee
          of the Corporation acting on behalf of the Board or the Committee,
          shall be personally liable for any action, determination, or
          interpretation taken or made in good faith with respect to the Plan,
          and all members of the Board or the Committee and each and any officer
          or employee of the Corporation acting on their behalf shall, to the
          extent permitted by law, be fully indemnified and protected by the
          Corporation in respect of any such action, determination or
          interpretation provided such individual first gives the Corporation an
          opportunity, at its own expense, to handle and defend any legal action
          before such individual undertakes to handle and defend such legal
          action.

     (e)  The existence of Stock Options, Option Price Adjustment Rights, Stock
          Appreciation Rights, Restricted Stock and Performance Awards shall not
          affect the right or power of the Corporation and its shareholders to
          make adjustments, recapitalizations, reorganizations, or other changes
          to the Corporation's capital structure or its business; issue bonds,
          debentures, preferred or prior preference stocks affecting the
          Corporation's Common Stock or the rights thereof; dissolve or
          liquidate the Corporation, or sell or transfer any part of its assets
          or business; or any other corporate act, whether of a similar
          character or otherwise.

     (f)  The validity, interpretation, and administration of the Plan and of
          any rules, regulations, determinations, or decisions made thereunder,
          and the rights of any and all persons having or claiming to have any
          interest therein or thereunder, shall be determined exclusively in
          accordance with the laws of the State of Georgia, except where those
          laws may be superseded by the laws of the United States of America.
          Without limiting the generality of the foregoing, the period within
          which any action in connection with the Plan must be commenced shall
          be governed by the laws of the State of Georgia.

     (g)  The obligation of the Corporation to make payment of Awards in Stock
          shall be subject to all applicable laws, rules and regulations, and to
          such approvals by government agencies as may be required. The
          Corporation shall be under no obligation to register under the
          Securities Act of 1933, as amended from time to time ("1993 Act"), any
          of the shares of Stock paid under the Plan. If the Stock paid under
          the Plan may in certain circumstances be exempt from registration
          under the 1933 Act, the Corporation may restrict the transfer of such
          Stock in such manner as it deems advisable to ensure the availability
          of any such exemption.

SECTION 13.  Cash Awards and Loans

The Committee, in its sole discretion, at any time may authorize special cash
Awards to Participants to enable them to fund the exercise price of a Stock
Option or any taxes that must be paid or withheld upon the exercise of a Stock
Option, Option Price Adjustment Right or Stock Appreciation Right, to fund the
purchase price (if any) of Restricted Stock or any taxes that must be paid or
withheld with respect to Restricted Stock, or to fund any taxes that must be
paid or withheld with respect to any Performance Award. The Committee in its
sole discretion, at any time, may assist a Participant in obtaining a loan for
any funds required in connection with any aspect of the Plan, including without
limitation the exercise or purchase price of any Award and any taxes that must
be paid or withheld in connection with any Award.

SECTION 14.  Accounting

It is the intent of the Board that the accounting expenses for any Awards under
this Plan to employees of Subsidiaries be charged to the Subsidiaries employing
such employees and not to the Corporation. The Board of Directors and the
Committee shall have the right to adopt any policies and procedures required in
order to carry out this intent.

SECTION 15.  Effective Date of Plan

The Plan shall become effective upon the earlier of its adoption by the Board of
Directors or by the Executive Committee of the Board of Directors; provided,
however, that Incentive Stock Options awarded hereunder shall be automatically
converted into Non-Qualified Stock Options if shareholder approval of the Plan
is not obtained within twelve months of the Plan's effective date.

SECTION 16.  Term of Plan

No Stock Option, Option Price Adjustment Right, Stock Appreciation Right,
Restricted Stock or Performance Award shall be granted pursuant to the Plan on
or after the tenth anniversary of the effective date of the Plan, but Awards
theretofore granted may extend beyond that date.

SECTION 17.  Execution

IN WITNESS WHEREOF, the Corporation has caused this Plan to be signed by its
duly authorized officers effective as of this 1st day of February, 2000.


                                      SYNOVUS FINANCIAL CORP.


                                      By:    /s/G. Sanders Griffith, III

                                      Title: Senior Executive Vice President