b'relationship ceases for any reason, we may increase your Regular Monthly Periodic Rates and\ncorresponding Annual Percentage Rates to the higher rates as disclosed in your Summary\nof Terms and/or Card Carrier. Such a change would require at least 45 days advance notice\nand would not become effective until at least 12 months after the opening of your Account.\nWhen effective we will apply the increased Monthly Periodic Rates and corresponding APRs\nto transactions made on or after the effective date of such increase. The employee preferential\nMonthly Periodic Rates and corresponding APRs then in effect would continue to apply to\ntransactions made prior to that date. We may keep the increased Monthly Periodic Rates and\ncorresponding APRs in effect indefinitely.\nOther Charges\nIn addition to Finance Charges, a variety of fees and charges may be applied to your\nAccount, as follows:\nLate Payment Fee: If your Minimum Payment Due is not credited to your Account on or\nbefore the Payment Due Date, you may be charged a Late Payment Fee of up to $35. However,\nthe Late Payment Fee will never be greater than the Minimum Payment Due.\nReturned Payment Fee: If any payment received in payment of your Account is returned\nto us unpaid for any reason, you may be charged a Returned Payment Fee of up to $25.\nHowever, the Returned Payment Fee will never be greater than the Minimum Payment\nDue. If we return unpaid any Convenience Check (including any Promotional Check), or\nBalance Transfer Check you may be charged a Returned Payment Fee up to $25. However,\nthe Returned Payment Fee will never be greater than the Amount of the check we return.\nDocumentation Fee: You may request a copy of a statement previously sent to you for\na Documentation Fee of $5 per statement, which will be added to your Account balance.\nCopies of sales tickets or other items posted to your Account, and all other correspondence,\nmay be obtained for a Documentation Fee of $5 per sales ticket or other posted item, or\nitem of correspondence, which will be added to your Account balance. Notwithstanding the\nforegoing, we will not impose any fee in connection with your good faith assertion of a billing\nerror or other exercise of your Billing Rights (see below under \xe2\x80\x9cYour Billing Rights: Keep\nThis Document For Future Use\xe2\x80\x9d).\nAnnual Fee: If applicable to your account, an annual fee will apply as shown in the\nSummary of Terms. (If an Annual Fee amount is shown as \xe2\x80\x9cIntroductory\xe2\x80\x9d for a specified\nperiod, that Introductory Annual Fee will expire no less than the specified period after the\nopening of your Account, and thereafter the Annual Fee will revert to the standard annual fee\namount as shown in the Summary of Terms.)\nExpedited Card Fee: If applicable to your Account, an Expedited Card Fee may apply to\nyour Account for delivering a Credit Card to you via recognized overnight courier, such as\nFederal Express, upon your request. The Expedited Card Fee is $25 per card that is expedited.\nAnnual Summary Statements: If applicable to your Account, if you elect to receive an\nAnnual Summary Statement, a $15 fee may be charged to your Account.\nLost Cards, Unauthorized Use and Identity Theft\nIf you notice the loss or theft of your Card or a possible unauthorized use of your Card, you\nshould write to us immediately at: Security Department, Synovus Card Services, P.O. Box\n84050, Columbus, GA 31908-4050, or call us at 1-888-SYNOVUS (796-6887) (or 706-6440012 for calls from outside the U.S.). You will not be liable for any unauthorized use that\noccurs after you notify us. You may, however, be liable for unauthorized use that occurs before\n11\n\nyour notice to us if we reasonably determine, based on substantial evidence, that you were\nfraudulent or negligent in the handling of the Account or the Card. In any case, your liability\nwill not exceed the lesser of $50 or the amount of money, property, labor, or services obtained\nby the unauthorized use before notification to us.\nIf you believe that you have been the victim of identity theft and that there is a transaction(s)\nor application(s) you believe is a result of that identify theft, please write to us at: Security\nDepartment, Synovus Card Services, P.O. Box 84050, Columbus, GA 31908-4050. All\nsubmissions regarding an unauthorized transaction(s) or application(s) due to identity theft\nmust be sent to the foregoing address. If you contact us by phone regarding transactions\nresulting from identity theft, we will require you to make a written submission. In your written\nsubmission, please include:\n(1) your name,\n(2) your account number,\n(3) if known, the date of the transaction(s) or application(s),\n(4) if known, any other identifying information that you believe may assist us in identifying\nthe transaction(s) or application(s) that were the result of a stolen identity, and\n(5) any federal, state, or local law enforcement agency or officer you would like results of the\ninvestigation to be sent.\nOnce we receive the request we will respond within the next 30 days, pending any verification\nof identity, with any information in our control regarding the application(s) or transaction(s)\nthat were the result of identity theft to you and anyone else requested in your submission.\nWe may require that you verify your identity before investigating your claim. If we determine\nthat identity verification is necessary, we will request from you a copy of a government issued\nidentification or other documentation that will allow us to verify your identity. Additionally,\nwe may require that you submit a copy of a police report you filed evidencing the claim of\nidentity theft, and either the Federal Trade Commission Identity Theft Report, available at the\nFTC\xe2\x80\x99s website, or an affidavit which is substantially similar to the Federal Trade Commission\nIdentity Theft Report.\n\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE\nUSE\nThis notice tells you about your rights and our responsibilities under the Fair Credit\nBilling Act.\nWhat to Do If You Find a Mistake On Your Statement\nIf you think there is an error on your statement, you can provide notice of the error to us (an\n\xe2\x80\x9cError Notice\xe2\x80\x9d) by using one of two methods: (1) You may write to us at:\nSynovus Bank\nDispute Resolution Office\nSynovus Card Services\nP.O. Box 84050\nColumbus, GA 31908-4050.\nOr, (2) you can submit your Error Notice online by visiting www.synovus.com and sending\nus your details and the required information through the credit card Secure Messages system.\nIn your Error Notice, you must provide the following information:\n\xe2\x80\xa2 Account Information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error, and any other\n12\n\ninformation regarding the charge that may help us identify it, such as the vendor or\ndate.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your statement, describe what\nyou believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop\npayment on the amount you think is wrong.\nYour Error Notice regarding any potential errors on your statement must be in writing\n(including electronic written notice), and must be submitted to us by using one of the two\ncontact methods described above. You may call us instead, but if you do, we are not required to\ninvestigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Error Notice\nWhen we receive your Error Notice, we must do two things:\n(1) Within 30 days of receiving your Error Notice, we must tell you that we received your\nError Notice. We will also tell you if we have already corrected the error; and\n(2) Within 90 days of receiving your Error Notice, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that\namount;\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to\ncharge you interest on that amount;\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the\nremainder of your balance; and\n\xe2\x80\xa2 We can apply any unpaid amount against your Credit Limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest\nor other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in\nquestion, along with applicable interest and fees. We will send you a statement of the\namount you owe and the date payment is due. At a minimum, you will have ten (10)\ndays to pay the amount owed after receiving the statement. If you do not pay the amount\nyou owe by the due date, we may then report you as delinquent which may negatively\nimpact your credit.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within\n10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your bill. We must tell you the name of anyone\nto whom we reported you as delinquent, and we must let those organizations know when the\nmatter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you\nquestion even if your bill is correct.\n\n(1) The purchase must have been made in your home state or within 100 miles of your\ncurrent mailing address; and the purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you the goods or services.);\n(2) You must have used your Card for the purchase. Purchases made with cash advances\nfrom an ATM or with a check that accesses your credit card account do not qualify; and\n(3) You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact\nus in writing at:\nSynovus Bank\nDispute Resolution Office\nSynovus Card Services\nP.O. Box 84050\nColumbus, GA 31908-4050\nOr contact us online through the credit card Secure Messages system by visiting\nwww.synovus.com.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After\nwe finish our investigation, we will tell you our decision. At that point, if we think you owe an\namount and you do not pay, we may report you as delinquent.\n\nOUR RIGHTS AND HOW THEY AFFECT YOU\n\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit\ncard, and you have tried in good faith to correct the problem with the merchant, you may have\nthe right not to pay the remaining amount due on the purchase. To use this right, all of the\nfollowing must be true:\n\nTelephone Monitoring\nFrom time to time, we may monitor and/or record telephone calls regarding your Account\nwith us to assure the quality of our service. By entering into this Agreement, you give us your\nexpress consent to do so.\nRefunds\nIf a seller agrees to give a refund for a Purchase made with your Card, such refund will be\nprovided as a credit on your Account instead of cash refund.\nNo Waiver of Rights; Disputed Amounts\nWe can accept late or partial payments without losing any of our rights under\nthis Agreement. You agree not to send us partial payments marked \xe2\x80\x9cpaid in\nfull,\xe2\x80\x9d \xe2\x80\x9cwithout recourse,\xe2\x80\x9d or similar language. If you send such a payment,\nwe may accept it without losing any of our rights under this Agreement. All\nwritten communications concerning disputed amounts, including any check\nor other payment instrument that indicates that the payment constitutes\n\xe2\x80\x9cpayment in full\xe2\x80\x9d of the amount owed or that is tendered with other\nconditions or limitations or as full satisfaction of a disputed amount, must be\nmailed or delivered to Synovus Bank, Dispute Resolution Office, Synovus Card\nServices, P.O. Box 84050, Columbus, GA 31908-4050.\nCredit Reports and Information\nYou authorize us to make or have made any credit, employment and investigative inquiries,\nincluding obtaining consumer reports on you from credit reporting agencies and/or other\nthird party sources, as we deem appropriate in connection with your application for or the\nextension of credit on the Account, or the update, renewal or review of the Account, the\ncollection of amounts owing on the Account, and/or other related purposes, in accordance\nwith applicable law. Upon your request, we will inform you whether or not a consumer report\nwas requested, and if one was requested, of the name and address of the consumer reporting\nagency that furnished the report. You agree that we may furnish information concerning your\n\n13\n\n14\n\nAccount or credit file to consumer reporting agencies and others who may properly receive\nthat information, in accordance with applicable law. Late payments, missed payments, or\nother defaults on your Account may be submitted to a credit reporting agency and reflected\nin your credit report.\nNotice of Inaccurate Information\nIf you believe that we have information about you that is inaccurate or that we have reported or\nmay report to a credit reporting agency information about you that is inaccurate, please notify\nus of the specific information that you believe is inaccurate by writing to us at Synovus Card\nServices, P.O. Box 84050, Columbus, GA 31908-4050.\nCollection and Default\nUnless prohibited by applicable law, your Account is considered to be in default if (1) you do not\nmake at least the Minimum Payment on or before the Payment Due Date, (2) you exceed your\nCredit Limit by making a Purchase, Cash Advance, or other transaction in connection with your\nAccount or any other Synovus account, (3) you become subject to bankruptcy or insolvency\nproceedings, (4) you become subject to attachment or garnishment proceedings, (5) you give\nus any materially false information or signature, (6) you die, or (7) you fail to comply with any\nportion of this Agreement. Our accepting a late or partial payment does not waive the default.\nUnless prohibited by applicable law, default on this Account will constitute default on all\naccounts you hold with us. Subject to any notice of default and right to cure or other restrictions\nof applicable law, if you are in default, we may declare the entire balance due immediately.\nUnless prohibited by applicable law you agree to pay our reasonable costs and attorneys\xe2\x80\x99 fees\nrelated to the collection of your Account to the extent permitted by the state in which you live.\nChange of Terms\nSubject to the limitations of applicable law, we may, at any time, change or\nremove any of the terms and conditions of, or add new terms or conditions to,\nthis Agreement. We will provide written notice of such a change to you then in\nthe manner required by applicable law, and, you hereby consent to receipt of\nsuch notice electronically where electronic notice is permitted by applicable\nlaw. As of the effective date, the changed or new terms will apply to new\nPurchases, Cash Advances and Balance Transfers and also to the outstanding\nbalance of your Account, subject to the limitations of applicable law.\nDelay in Enforcement\nWe can delay enforcing our rights under this Agreement without losing them.\n\nOTHER PROVISIONS\nOwnership and Use of Your Card\nAs the Account Cardholder(s), you are liable for all credit obtained under your Account. If you\nauthorize another person to use your Card or Convenience Check, you are liable for any credit\nobtained on your Account for as long as that person holds the Card or Check. In addition, you\nwill remain liable until you recover possession of the Card or Check. Misuse of your Card by an\nAuthorized User will not be considered unauthorized use (see \xe2\x80\x9cLost Cards and Unauthorized\nUse\xe2\x80\x9d above). Upon demand, you must return any Card we supply to you or destroy the Card\nby cutting it in half immediately. Convenience Checks must be mailed or returned to us upon\nrequest.\nTransfer and Termination of Your Account\nYou may not transfer your Account to any other person. We may assign your Account to any\nother person at any time. Either you or we may terminate or suspend your credit privileges at\n15\n\nany time. However, you will remain liable for all amounts owed on your Account until they\nare paid in full.\nForeign Currency Conversion\nYou may make a Purchase or obtain a Cash Advance in a currency other than U.S. dollars. If\nyou do, Visa will convert the transactions into U.S. dollars. The conversion rate between the\ntransaction currency and the billing currency will be either (1) a rate selected by Visa from the\nrange of rates available in wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate Visa itself receives, or (2) the government-mandated\nrate in effect for the applicable central processing date. The conversion rate Visa uses may differ\nfrom any published rate in effect on the day that you made the transaction or it was posted to\nyour Account. You agree to pay us the amount as converted into U.S. dollars according to Visa\nprocedures.\nHonoring Your Card\nWe are not liable for the failure or refusal of a merchant, ATM, or other institution to honor your\nCard. Although you may have credit available, we will not be liable for the failure to authorize\ncredit due to operational difficulties or mistakes. A transaction made above a certain dollar\namount may require authorization by us before the transaction can be approved. In addition,\nwe may limit the number and amount of transactions approved in one day for security reasons.\nServicing the Account\nWe will send all written notices and statements to your address and/or email address (if\napplicable to your Account) as it appears on our records. To avoid delays and missed payments\nthat could affect your credit standing, you agree to advise us promptly if you change your\nmailing address, email address, place of employment, and/or telephone number(s). You\nauthorize us or any of our agents to contact you at any telephone numbers you provide on your\ncredit application or that you provide to us thereafter, including a ported landline, cellular\nphone, mobile phone or similar device, regarding payments due, Account activity, Account\ninformation or for other purposes we deem necessary, in accordance with applicable law.\nYou authorize those contacts to be made using an automated telephone dialing system and/or\nprerecorded messages and/or text messages. You may revoke your consent to being contacted\non your mobile phone using an automated telephone dialing system and/or prerecorded\nmessages and/or text messages at any time by calling us at 1-888-SYNOVUS (796-6887)\nor by sending written notice to Synovus, Customer Support, P.O. Box 23061, Columbus,\nGA 31902-3061. You authorize us or any of our agents to send email to the addresses you\nprovide us on your credit application or otherwise. You may be charged by your wireless\nprovider for data, phone usage or minutes. You authorize us or any of our agents to leave\na message with a person or on a voice mail, answering machine or answering service that\nanswers the number(s) you have provided to us. You also authorize us or any of our agents to\nsend U.S. postal mail to the addresses you provide to us on your credit application or otherwise.\nYou also confirm that by providing the mobile phone number and/or email address of an\nAuthorized User(s), you have received consent from the Authorized User(s) to provide this\ncontact information to us, and that the Authorized User(s) have expressly consented to receive\ncalls and/or text messages from us or any of our agents to the number(s) provided, including\nthrough an automated telephone dialing system and/or prerecorded messages and/or text\nmessages, about authorized Card transactions, and you agree to indemnify Synovus from any\nand all losses, damages and penalties arising out of claims or actions that such Authorized User\ndid not consent. We can also contact other persons you have listed on your credit application\nto find out information about you and how to contact you in the event we are unsuccessful in\ncontacting you as described above.\n\nSynovus Fraud Alerts Program\nSynovus Fraud Alerts is provided through a different service. Visit www.synovus.com/\nfraudfaqs for more information on Synovus Fraud Alerts.\nText Fraud Alerts: Fraud alerts will be provided to you via free text messages to the mobile\nphone number associated with your Account from 74233. Message frequency depends on\naccount activity. You may opt out at any time by texting STOP to 74233. By sending STOP\nto 74233, you agree to one additional confirmation message stating that you\xe2\x80\x99ve opted out and\nwill no longer receive text messages from Synovus. Get additional support or help by calling\n1-888-SYNOVUS (796-6887). Carriers are not responsible for any delayed or undelivered\nmessages. Message may be delayed or not delivered due to factors outside the carrier\xe2\x80\x99s\ncontrol. PARTICIPATING WIRELESS CARRIERS: AT&T, Metro PCS, Sprint, T-Mobile\xc2\xae,\nVerizon Wireless. Our Privacy Policy is located at www.synovus.com/privacy. Text fraud alerts\nare available only to customers who can receive text messages through one of the above-listed\nParticipating Wireless Carriers.\nOther Fraud Alerts: If you cannot receive text fraud alerts because you do not receive\nservices through a Participating Wireless Carrier, or if you have opted out of receiving text\nfraud alerts, we may still send you fraud alerts to your email address on record with us or\nby calling you at the telephone number on record with us. If you want to opt out of email or\ntelephone alerts you may call us at 1-888-SYNOVUS (796-6887).\nAuthorized User Fraud Alerts\nWe will provide text fraud alerts to your Authorized Users when you obtain their consent for\nsuch alerts and provide their mobile phone number to us. By providing us an Authorized\nUser\xe2\x80\x99s mobile phone number, you represent and warrant to us that the Authorized User\nvoluntarily consented to receiving Synovus text fraud alerts, and you indemnify Synovus\nfrom any and all losses, damages and penalties arising out of claims or actions that such\nAuthorized User did not so consent.\nOpting-In to Receive Your FICO\xc2\xae Score on Your Statements\nIf you would like to receive your FICO\xc2\xae Score for free each month on your Account statement,\nyou can opt-in by calling Synovus customer service at 1-888-796-6887. By opting-in to\nreceive your FICO\xc2\xae Score on your Account statements, you authorize Synovus Bank to display\nyour FICO\xc2\xae Score based on Equifax\xc2\xae information on the monthly Account statements that\nwe send to you. Only the FICO\xc2\xae Score of the primary Account holder may be provided,\nand the monthly statements displaying your FICO\xc2\xae Score will only be sent to the address\nand/or email address associated with your Account. You also acknowledge that any joint\nowner of your Account or other person that has access to the mail or email to which your\nmonthly statements are addressed may be able to view your FICO\xc2\xae Score displayed on your\nstatement, and you authorize us to send the statements containing your FICO\xc2\xae Score to such\naddress(es). If you decide you no longer wish to have your FICO\xc2\xae Score displayed on your\nAccount statements, you may opt-out by calling us at 1-888-796-6887.\nFICO is a registered trademark of the Fair Isaac Corporation in the United States and other\ncountries.\nSeverability\nIn the event that any provision of this Agreement is invalid or unenforceable, or determined\nto be invalid or unenforceable by a court of competent jurisdiction, under any applicable law,\nincluding the Military Lending Act, the remaining provisions will remain in effect.\nEntire Agreement; Interpretation\nThis Agreement constitutes the final expression of the credit agreement between you and us\n\nrelating to your Account. The headings used in this Agreement are for the convenience of\nreference only and are not intended to define or describe the scope or intent of any portion\nof the Agreement.\nGoverning Law\nThis Agreement and your Account, and any claim, dispute or controversy\n(whether in contract, tort, or otherwise) at any time arising from or relating\nto your Account, this Agreement or any transferred balances, are governed\nby and construed in accordance with applicable federal law and the laws of\nthe state of Georgia. The legality, enforceability and interpretation of this\nAgreement and the amounts contracted for, charged and reserved under\nthis Agreement will be governed by such laws. This Agreement is entered\ninto between you and us in Georgia. We make decisions about granting\ncredit to you from, extend credit to you under this Agreement from, and\naccept your payments in, Georgia.\nArbitration of Disputes\nExcept as expressly provided below, any controversy that arises out of or\nis related to (a) this Agreement (including any dispute over the validity of\nthis Agreement to arbitrate disputes or of this entire Agreement), or (b)\nyour Account, or (c) any relationship resulting from this Agreement, or (d)\nany insurance or other service related to your Account, or (e) any other\nagreement related to your Account or any such service, or (f) breach of this\nAgreement or any other such agreement, whether based on statute, contract,\ntort or any other legal theory, in which the aggregate amount in controversy\nfor all claimants exceeds $15,000 including interest and attorneys\xe2\x80\x99 fees\n(any Claim\xe2\x80\x9d) will be settled on an individual basis by binding arbitration\nunder the Federal Arbitration Act (\xe2\x80\x9cFAA\xe2\x80\x9d). Judgment on the arbitration award\nmay be entered in any court having jurisdiction. Any dispute regarding whether a particular\ncontroversy is subject to arbitration will be decided by the arbitrator(s). If any part of the\ndamages or other relief requested is not expressly stated as a dollar amount, the controversy\nwill be a Claim that is subject to arbitration. You and we acknowledge and agree that the\ntransactions contemplated by this Agreement, and any controversy that may arise under or\nrelate to this Agreement, your Account, or the services or other agreements described above,\ninvolve \xe2\x80\x9ccommerce\xe2\x80\x9d as that term is defined and used in the FAA. The arbitration will be\nadministered by the American Arbitration Association (the \xe2\x80\x9cAAA\xe2\x80\x9d) under its Commercial\nArbitration Rules (the \xe2\x80\x9cArbitration Rules\xe2\x80\x9d). We will tell you how to contact the AAA and\nhow to get a copy of the Arbitration Rules without cost if you ask us in writing to do so. The\nArbitration Rules permit you to request deferral or reduction of the administrative fees of\narbitration if paying them would cause you a hardship. Any in-person arbitration hearing will\nbe held in Columbus, Georgia, where our employees and records of your Account are located.\nEach arbitrator shall be a licensed attorney who has been engaged in the private practice\nof law continuously during the ten years immediately preceding the arbitration or a retired\njudge of a court of general or appellate jurisdiction. The arbitration award shall award only\nsuch relief as a court of competent jurisdiction could properly award under applicable law,\nincluding attorneys\xe2\x80\x99 fees if allowed by applicable law or agreement, and may award to the\nprevailing party all pre- and post-award expenses of arbitration. All statutes of limitation,\ndefenses, and attorney-client and other privileges that would apply in a court proceeding\nwill apply in the arbitration. The filing of a demand for arbitration in accordance with\nthe Arbitration Rules will be deemed the commencement of an action for purposes of any\n\napplicable statute of limitations. There will be no class Claims\xe2\x80\x94Claims by or on behalf of\nother persons will not be considered in or consolidated with the arbitration proceedings\nbetween you and us.\nThis Agreement does not limit the right of you or us, whether before, during or after the\npendency of any arbitration proceeding, to exercise self-help remedies such as set-off or\nrepossession and sale of collateral, or to obtain provisional or ancillary remedies or injunctive\nor other traditionally equitable relief (other than a stay of arbitration) necessary to protect the\nrights or property of the party seeking relief pending the arbitrator\xe2\x80\x99s determination of the merits\nof the Claim. The taking of any of the actions described in the preceding sentence by either\nparty or the filing of a court action by a party shall not be deemed to be a waiver of the right to\ndemand arbitration of any Claim asserted as a counterclaim or the like in response to any such\naction. This Agreement to arbitrate disputes will survive the closing of your Account and the\ntermination of your Agreement with us.\nPlease read this arbitration agreement carefully. It limits or waives certain of\nyour rights. With respect to claims that you are agreeing to arbitrate pursuant\nto this Agreement, you are waiving your right to bring a court action and to\nhave a jury trial. There will be no class claims in arbitration. Discovery may\nbe more limited in arbitration than in a court proceeding, and the right\nand grounds to appeal from an arbitrator\xe2\x80\x99s award are more limited than in\nan appeal from a court judgment. Certain other rights you have in a court\nproceeding also may not be available in arbitration.\nBY USING YOUR CARD OR ACCOUNT, YOU ACKNOWLEDGE THAT (1) YOU HAVE\nRECEIVED AND HAVE READ A COMPLETED COPY OF THIS AGREEMENT (2)\nYOU UNDERSTAND THIS AGREEMENT AND (3) YOU AGREE TO ITS TERMS,\nINCLUDING THE ARBITRATION PROVISION.\n\n16\n\n17\n\n18\n\n19\n\nJOB SPECS:\nFlat Size:\n34.752\xe2\x80\x9d x 6.75\xe2\x80\x9d\nFinished Size:\n3.5\xe2\x80\x9d x 6.75\xe2\x80\x9d\n\nCredit Card\nCardholder\nAgreement\n\nThe card issuer:\nSynovus Bank\n1111 Bay Avenue\nColumbus, Georgia 31902\nDecember 2020\n\nF03-Y450-0 -1220\n\nREAD THIS ENTIRE AGREEMENT CLOSELY. IT CONTAINS\nIMPORTANT DISCLOSURES AND THE TERMS OF YOUR\nCREDIT CARD ACCOUNT.\n\nColors:\nFront: Black\nBack: Black\nBleed: No\nNote: None\n\n\x0cCONSUMER CREDIT CARDHOLDER AGREEMENT\n\nPurchases, Cash Advances or Balance Transfers\nYou may use your Card or Convenience Checks to purchase or lease goods or services from\nparticipating establishments. You also may use your Card to obtain Cash Advances from your\nAccount at an ATM, or by presenting the Card to us, or to any institution that accepts the\nCard for that purpose. To protect you, we restrict Cash Advances using this Card to $1000 per\nATM transaction and $1500 per over-the-counter transaction. In addition, only three Cash\nAdvance transactions may be made per day, and the total outstanding Cash Advance balance\non your Account at any given time may not exceed the Cash Advance Limit applicable to your\naccount at that time. You also may use your Card to obtain Balance Transfers, subject to the\nBalance Transfer terms described in this Agreement. We may limit the use of the Account at\nour discretion. Such limitations include, but are not limited to, Internet-related gambling\ntransactions. Your Account/Card will be restricted from online betting activity, which\nincludes, but is not limited to, lottery tickets, casino gambling chips, off-track betting, and\nwagers at racetracks. You will owe us for these amounts, plus any applicable Finance Charges\nand other applicable charges or fees, payable in U.S. dollars.\nRecurring Preauthorized Transactions\nRecurring preauthorized transactions occur when you authorize a merchant to automatically\ninitiate a transaction using your Account on a recurring basis. If we issue a new Card with a\ndifferent number or expiration date to you, we may (but are not obligated to) provide your\nnew card number and expiration date to a merchant with whom you have set up a recurring\npreauthorized transaction in order to continue your recurring preauthorized transactions. By\nsigning this Agreement, you authorize us to provide your new card number and expiration\ndate to such merchants. Synovus updates the merchants through Visa using the Visa Account\nUpdater Service. Merchants use the Visa Account Updater Service which allows them to\nautomatically receive new credit card number and expiration date associated with your\nAccount, however, not all merchants subscribe to this service. There will be circumstances\nwhere you will instead have to contact the merchant to provide updated card information.\nSynovus shall not be responsible for any failed recurring preauthorized transactions with\nmerchants after a new Card is provided, so be sure to confirm your card information with\nmerchants with which you have recurring preauthorized transactions set up.\nYour Credit Limit\nYour Credit Limit and Cash Advance Limit are disclosed to you when you receive your Card\nand, generally, on each monthly statement. The Credit Limit is the total amount of credit\navailable for your Account; however, only a portion of that is available for Cash Advances.\nThe Cash Advance Limit is the amount you have available for Cash Advances. The amount\n\nof credit available under the Cash Advance Limit will never exceed the total amount of credit\navailable under the Credit Limit.\nWe may change your Credit Limit from time to time and will notify you accordingly. We\nbase that decision on a variety of factors such as your payment and transaction history with\nus, and information we receive from third parties, including credit reporting agencies. The\namounts shown on your monthly statement as available credit do not take into account\nPurchases, Balance Transfers, Cash Advances, interest and other Finance Charges or fees,\nany other transactions, or credits which post to your Account after the Closing Date of that\nmonthly statement. We may delay increasing your available credit for up to ten (10) days\nafter you make a payment. Your Credit Limit (and balances in excess of your Credit Limit)\nmay be treated differently based on the type of Account you have. If you are not sure which\ntype of Account you have, please look at your Card, review your Card Carrier, or call us at\n1-888-SYNOVUS (796-6887).\nYou may not use your Account in any way that would exceed your Credit Limit. However, in\ncertain circumstances, Purchases, Cash Advances or other transactions using your Card or\nAccount may be approved even if they will result in your balance exceeding your Credit Limit.\nIn the event that you do use your Card or Account in a manner that results in your balance\nexceeding your Credit Limit, you are liable for and must repay the excess amount according\nto the terms of this Agreement.\nCredit Authorizations\nSubject to applicable law, we may limit or refuse to authorize or accept any transaction on\nyour Account for any reason, including but not limited to a transaction that would cause you\nto exceed your Credit Limit, or your Account being delinquent. We will not be liable to you\nor any third party for limiting or refusing to authorize or accept any transaction on your\nAccount, or if (1) we close your Account; (2) anyone refuses your Card, Check, or Account; or\n(3) we stop (or do not stop) a payment on a Check. Unless otherwise required by law, we will\nnot be liable for goods or services you purchased or leased using your Account.\nBalance Transfer Checks\nYou agree that any check we issue on your behalf to a financial institution other than us\nor our affiliates for the purpose of effecting a Balance Transfer at your request (\xe2\x80\x9cBalance\nTransfer Check\xe2\x80\x9d) will not be returned to you. We are entitled to return a Balance Transfer\nCheck unpaid if there is not enough available credit in your Account, if your Account is in\ndefault, or if we have terminated your right to obtain further credit under your Account. If we\nhonor the Balance Transfer Check under these circumstances, the amount in excess of your\nCredit Limit will be due immediately. We may pay Balance Transfer Checks dated more than\nsix months prior to the date they are presented for payment. We will not certify a Balance\nTransfer Check. If you request a Balance Transfer when you open your Account, it may not\nbe processed for up to 10 days from account opening date to allow us time to provide you\nwith legally required disclosures. Balance Transfer(s) do not earn rewards under reward\nprograms. The minimum amount of a Balance Transfer is $100. We will only approve\nBalance Transfer amounts that are at least $200 under your Credit Limit. For example, if your\nCredit Limit is $2,000, we will only approve a Balance Transfer of $1,800 or less.\nConvenience Checks\nWe may supply you with Convenience Checks that are subject to the following conditions.\nPayment of a Convenience Check will be treated as a Cash Advance on your Account, subject\nto the Cash Advance Transaction Fee described herein. The amount of the Convenience Check\nwill be added to the Cash Advance balance on your Account, subject to interest charges, as of\nthe date the Convenience Check is deposited. Your Convenience Check must be written in U.S.\n\ndollars. Only the person(s) whose name(s) appears on the Convenience Check may sign it. A\nPromotional Check used after the date specified in the promotional check offer as the date by\nwhich it must be used to obtain the special promotional offer, is not treated as a Promotional\nCheck but instead is treated as a regular Convenience Check and a transaction resulting from\nits use as a regular Cash Advance. We are authorized to pay any Convenience Check drawn on\nyour Account even if the signature does not correspond exactly to the signature on our records.\nYou agree that Convenience Checks written on your Account will not be returned to you. We\nare entitled to return your Convenience Check unpaid if there is not enough available credit in\nyour Account, if your Account is in default, or if we have terminated your right to obtain further\ncredit under your Account. If we honor the Check under these circumstances, the amount in\nexcess of your Credit Limit will be due immediately. You may not use a Convenience Check to\nmake payments on your Synovus Account or other debt you have with us or our affiliates. We\nmay pay Convenience Checks dated more than six months prior to the date they are presented\nfor payment. You may not write a postdated Convenience Check, but we may pay a Convenience\nCheck regardless of a post-date. We will not certify a Convenience Check.\nOverdraft Protection\nIf you choose to use your Account for Overdraft Protection coverage, you agree that Cash\nAdvances will be automatically made from your credit card Account to your designated\nSynovus Bank Deposit Account (the \xe2\x80\x9cDeposit Account\xe2\x80\x9d) on occasions when the amount of\nthe Deposit Account debits authorized by authorized party(ies) are in excess of the balance\navailable in the Deposit Account. These debits may be checks or drafts written by authorized\nparty(ies), automatic withdrawals by authorized party(ies), check card transactions made by\nauthorized party(ies); or any other debits authorized or originated by authorized party(ies).\nEach such cash advance (an \xe2\x80\x9cOverdraft Advance\xe2\x80\x9d) must be repaid as a part of your total\nindebtedness under this Agreement with all applicable Finance Charges. The Credit Limit\napplicable to your credit card Account from time to time pursuant to this Agreement will not\nbe increased or expanded because of Overdraft Advances. By participating in the Overdraft\nProtection coverage, you acknowledge and agree to the following: (i) the privileges attached\nto this Overdraft Protection coverage are contingent upon you maintaining and properly\nhandling both the Deposit Account and the credit card Account; (ii) the Overdraft Protection\nwill immediately terminate upon the closing of either the credit card Account or the Deposit\nAccount for any reason; (iii) we may review the Account involved in this Agreement and, upon\na finding of any misuse, fraudulent behavior, or violation of the terms of this Agreement, we\nmay withdraw any Overdraft Protection coverage or suspend your use of the Card or other\ncredit extended under your Account; (iv) it is possible that an Overdraft Advance may result in\ncreating a credit card Account balance in excess of your approved Credit Limit, or exceeding\nthe available credit under any lower limit you may assign to your credit card Account (which\nalso applies to Overdraft Advances), which may cause Purchase or Cash Advance transactions\nwith your Card to be declined. However, we are not obligated to make such Overdraft Advances\nthat would exceed your Credit Limit; and (v) we reserve the right to process, under normal\nreturn procedures, any check or debit items which would create an excess balance or any other\nsituation in violation of this or any other agreement between us and you. You acknowledge\nthat you can choose to terminate the Overdraft Protection coverage on your credit card at any\ntime by calling us at the number on the back of your Card and following the procedures for\ncancellation of the coverage.\nAuthorized Users\nYou may designate Authorized Users of the Account and may request Cards for those Authorized\nUsers. You may set a maximum amount of credit (in an amount less than the Credit Limit)\nas a spending limit assigned to the Card for an Authorized User; provided that the maximum\n\namount of credit you set for each Authorized User may not, in the aggregate, exceed the Credit\nLimit. In addition, the aggregate outstanding balance for the Account may not exceed the Credit\nLimit, without regard to any maximum amount of credit established for each Authorized User.\nYou are responsible for the use of the Account by any Authorized User. You may request to have\nan Authorized User removed from your Account and we will use reasonable efforts to deactivate\nsuch user\xe2\x80\x99s Card promptly upon your request. However, you are responsible for collecting and\ndestroying any Cards that the Authorized User has in their possession. Your request to remove\nan Authorized User will not relieve you of responsibility for the charges the authorized user has\nmade on your Account.\nAuthorized Users are permitted to use the card issued to them under the Account, make\npayments on the Account, report their Card as lost/stolen, confirm a fraudulent transaction\non their Card, and initiate a dispute on the Account for transactions posted on their Card.\nAdditionally, each Authorized User may: obtain basic card Account information (including\ninformation such as spending limit available for their Card, Payment Due Date, etc.). Under no\ncircumstances will an Authorized User be permitted to: discuss your credit information; close\nor reopen the Account; obtain assistance in registering/accessing our website; or request the\nfollowing: name changes; Credit Limit changes; replacement Cards; the addition of Authorized\nUsers; or removal of a cardholder (except that an Authorized User will be permitted to remove\nthemselves as an Authorized User on the Account).\n\n3\n\n4\n\n5\n\n6\n\nSpecial Advances: Credit we may extend to you in the form of Promotional Balance\nTransfers or Promotional Checks.\nTotal Average Daily Balances: The total of your (i) Average Daily Balance of Purchases,\n(ii) Average Daily Balance of Balance Transfers, (iii) Average Daily Balance of Overdraft\nAdvances, (iv) Average Daily Balance of Cash Advances and (v) Average Daily Balance of\nSpecial Advances.\nTransaction Fee: A fee charged in connection with a Transaction.\nUnauthorized Use: The use of a Card by a person, other than the Cardholder, who does\nnot have actual, implied or apparent authority for such use, and from which the Cardholder\nreceived no benefit.\n\nThe definitions listed below will apply throughout this Agreement and in your monthly\nstatement. In addition, the words you, your, and yours refer to the Cardholder(s) who holds\nthe Card and is responsible for the Account. The words we, us, and our refer to Synovus Bank,\nColumbus, Georgia.\nAccount: The credit card account for which you were issued a Card that is subject to all terms\nand conditions of this Agreement.\nAnnual Percentage Rate: A measure of the cost of credit, expressed as a yearly rate.\nATM: Automated Teller Machine.\nAuthorized User: The person(s) authorized by a Cardholder to obtain credit under an\nAccount, whether named in an application as an Authorized User or otherwise.\nAverage Daily Balance: A balance amount for a particularly type of Account transaction,\nas calculated in accordance with the provisions of this Agreement.\nBalance Transfer: A transaction in which, pursuant to your request, we issue a check\non your behalf directly to another financial institution to transfer to your Account all or a\nportion of an outstanding balance you owe. Your use of a Convenience Check or your Card,\nor any Cash Advance obtained by such use, to pay all or a portion of such an outstanding\nbalance is not a Balance Transfer for the purposes of this Agreement. A Balance Transfer\n(with the exception of a Promotional Balance Transfer) is not a Cash Advance.\nBilling Cycle: The time interval covered by a monthly statement. Each Billing Cycle is\napproximately 30 days in length.\nCard: Any Visa credit card issued by us in connection with your Account, which you or any\nAuthorized User(s) may use to obtain certain Cash Advances, make Purchases, or lease goods\nor services on credit pursuant to the terms of this Agreement. Use of your Account number or\nCard number to obtain credit will be considered a use of the Card.\nCard Carrier: The mailed carrier that contains your Card.\n\nCardholder: The Person to whom a Card is issued, or who has agreed to pay obligations\narising from a Card issued to another Person.\nCash Advance: Credit extended in the form of a cash loan through any financial institution\nhonoring the Card. The Card may be presented directly or through any other credit instrument,\ncheck, device, overdraft protection coverage or ATM that we make available to you.\nCash Advance Limit: The maximum percentage of your Credit Limit that you may use for\nCash Advances. This limit will be displayed in the Card Carrier, on your statements and on\nyour online Account page. The Cash Advance Limit is subject to change at our discretion, and\nwe will communicate any such change to you in writing no less than [thirty (30) days prior\nto it taking effect].\nClosing Date: The date of the last day of a Billing Cycle.\nConvenience Check: Any check we make available to you for the purpose of drawing\nagainst your Account.\nCredit Limit: The maximum amount of credit available to you on your Account.\nFinance Charge: A fee or charge representing the cost of borrowing on your Account.\nGrace Period: The period of at least 25 days between the close of each Billing Cycle and your\npayment due date for such Billing Cycle. We will not charge you interest on Purchases if you\npay your entire balance by the due date of each month.\nInterest Charge: A Finance Charge attributable to the application of a periodic interest rate.\nMargin: The amount added to the Prime Rate in the calculation of a variable Monthly\nPeriodic Rate. \xe2\x80\x9cPrime Rate\xe2\x80\x9d is defined below in this Agreement under \xe2\x80\x9cRegular Monthly\nPeriodic Rates.\xe2\x80\x9d\nNew Balance: The total outstanding Account balance on the Closing Date specified in your\nmonthly statement.\nOverdraft Protection Transaction or Overdraft Advance: If applicable to your Account,\nan advance we make to cover overdrafts on a designated deposit account maintained with\nus or with a financial institution that is our affiliate or subsidiary. Although they are Cash\nAdvances, Overdraft Protection Transactions are included in a separate Average Daily Balance\nof Overdraft Advances, to which we apply the same Introductory or Regular Monthly Periodic\nRate and corresponding Annual Percentage Rate as we apply to your Balance Transfers.\nPrevious Balance: The balance of your Account at the beginning of a Billing Cycle. This will\nbe the same as the \xe2\x80\x9cNew Balance\xe2\x80\x9d shown on your previous bill.\nPromotional Balance Transfer: Special Balance Transfers that we may offer you from time\nto time to obtain Special Advances which, although they are Cash Advances, are offered at a\nspecial reduced Monthly Periodic Rate and corresponding Annual Percentage Rate applicable\nfor a period of time specified in the promotional balance transfer offer.\nPromotional Check: Special Convenience Checks we may offer you from time to time to\nobtain Special Advances which, although they are Cash Advances, are offered at a special\nreduced Monthly Periodic Rate and corresponding Annual Percentage Rate applicable for a\nperiod of time specified in the promotional check offer.\nPurchase: Any extension of credit to your Account for the purpose of purchasing or leasing\ngoods or services from participating establishments.\nOther Charges: Charges to your Account other than Finance Charges.\nPeriodic Rate: The percentage rate of Interest Charge imposed against a balance for a period.\nIn this Agreement, a \xe2\x80\x9cMonthly\xe2\x80\x9d Periodic Rate is used.\n\n1\n\n2\n\nThis Agreement governs the use of your Visa Card Account and contains both your and our\nrespective responsibilities. Please read it in its entirety and keep it for your reference. The\naccompanying Summary of Terms is incorporated into and made a part of this Agreement.\nIn addition, the application, acceptance certificate or other request you signed or submitted\nfor this Account (the \xe2\x80\x9cApplication\xe2\x80\x9d), our Card and the Card Carrier that we send with your\nCard, and your signature (including any electronic or digital signature) on any Application,\nsales slip or other evidence of indebtedness on your Account, are incorporated into and made\na part of this Agreement.\nThis Agreement begins on the earlier of (i) the date you sign or submit an Application that we\napprove or (ii) the first date that we extend credit to you on your Account, including by means\nof a Purchase transaction, a Cash Advance transaction, a Balance Transfer transaction, a\nSpecial Advance transaction, your use of a Convenience Check, or any other extension of\ncredit. A Balance Transfer you request on your Application will be applied to your Account\nand sent to your designated payee(s) no earlier than 10 days after your Account is opened\nand we have provided the account opening disclosures to you. On the same day, the Balance\nTransfer request to your designated payee, you may cancel or modify your Balance Transfer\nrequest by calling the number on the back of your Card between the hours of 7:00 a.m. and\n11:00 p.m. eastern.\n\xc2\xae\n\nDEFINITIONS\n\nUSING YOUR CREDIT CARD\n\nMAKING PAYMENTS\nMonthly Statements; Annual Summary Statement\nWe will send you an Account statement for each Billing Cycle at the end of which your Account\nhas a debit or credit balance of $1 or more, or on which a finance charge has been imposed,\nor as otherwise required by applicable law. You agree to pay us, or any party to whom we may\ntransfer and assign your Account, in U.S. dollars according to all terms and conditions of\nthis Agreement. In addition to a monthly statement, you may be able to request an optional\nannual summary statement of your Account, which will be provided at the fees specified in\nthis Agreement.\nMinimum Payment\nThe Minimum Payment is the greater of (i) the dollar amount shown in the accompanying\nSummary of Terms, or (ii) the total, rounded up to the next dollar, of (A) the specified\npercentage (shown in the accompanying Summary of Terms) of your New Balance, plus (B)\nany applicable Cash Advance Transaction Fees or Foreign Transaction Fees, plus (C) any\nPenalty fees (e.g. Late Payment Fees and Returned Payment Fees.) If your New Balance is\nless than the dollar amount shown in the accompanying Summary of Terms, the Minimum\nPayment is your entire New Balance. If you elect not to pay your New Balance in full, you must\npay at least the Minimum Payment so that it is credited to your Account by the \xe2\x80\x9cPayment Due\nDate\xe2\x80\x9d shown on your statement, which is at least 25 days after the Closing Date of the Billing\nCycle. Your Minimum Payment will also include any past due amount and any amount by\nwhich the New Balance exceeds your Credit Limit, whichever of these two is greater.\nApplication of Payments\nWe reserve the right to apply payments to your Account in any manner we choose at our sole\ndiscretion, in accordance with applicable law. To comply with federal law, when applicable\nwe (i) apply portions of payments in excess of the Minimum Payment to balances with the\nhighest Annual Percentage Rates first, using a method permitted by those rules, and (ii)\napply portions of on-time partial payments as of the start of the Billing Cycle to Purchases still\nsubject to the Grace Period at the end of the previous Billing Cycle, determined in accordance\nwith applicable law.\n\nSecurity Interest\nIf we now, or in the future, hold any title, pledge or security interest in any of your property\nother than a residence, it may be that the terms of the instrument creating such title, pledge or\nsecurity interest will also secure your obligations on this Account.\nPosting of Payments\nPayments will be posted to your Account as of the date received, if (1) the payment is received by\n5:00 p.m. local time at the remittance address shown on your statement, (2) is made in person\nat any Synovus Bank prior to its close of business, (3) is received by 5:00 p.m. Eastern Time by\nonline payment at our website listed on your statement, or (4) is received by 5:00 p.m. Eastern\nTime by telephone payment to our customer service telephone number listed on your statement.\nPayments received after 5:00 p.m. local time on any day at the remittance address shown on\nyour statement, or received after 5:00 p.m. Eastern Time on any day by such online payment,\nor by such telephone payment, will be posted as of the next day. Any other payments may be\nsubject to a delay in posting of up to 5 days after the date of receipt. If we fail to post payments\nin accordance with these provisions, your Account will not be subject to Finance Charges or\nother charges attributable to our failure to post payments as these provisions require. If any\nsuch Finance Charges or other charges are imposed, we will adjust your Account so that the\ncharges imposed are posted to your account during the next Billing Cycle. While we try to\nreflect payments on your Account in your available credit amount promptly after the payment\nhas posted, it may take up to 10 calendar days after your payment has posted for it to reflect\nin your available credit amount. All payments on your Account must be made in U.S. dollars.\n\nHOW INTEREST CHARGES AND OTHER FINANCE CHARGES ARE\nDETERMINED\nYour Finance Charge for any Billing Cycle will include the following components, the total of\nwhich constitutes your total Finance Charge for the Billing Cycle:\n(1) a Cash Advance Transaction Fee, imposed (i) on each Cash Advance transaction posted\nduring a Billing Cycle, in an amount determined as provided in the accompanying\nSummary of Terms, (ii) on each Promotional Check transaction posted during a Billing\nCycle, in an amount determined as provided in the accompanying Summary of Terms,\nunless a different amount is specified in the disclosures accompanying the Promotional\nCheck offer, (iii) on each Promotional Balance Transfer transaction posted during a Billing\nCycle, in an amount determined as provided in the accompanying Summary of Terms,\nunless a different amount is specified in the disclosures accompanying the Promotional\nBalance Transfer offer, and (iv) on each Overdraft Protection transaction (if applicable to\nyour Account), in an amount determined as provided in the accompanying Summary of\nTerms; and\n(2) Interest Charge amounts computed by applying the applicable Monthly Periodic Rate\nor Rates, determined as provided below under \xe2\x80\x9cComputing the Monthly Periodic Rates\nand corresponding Annual Percentage Rate\xe2\x80\x9d, to (i) your Average Daily Balance of Cash\nAdvances (including new Cash Advances), (ii) your Average Daily Balance of Purchases\n(including new Purchases), (iii) your Average Daily Balance of Balance Transfers\n(including new Balance Transfers), (iv) your Average Daily Balance of Special Advances\n(including new Special Advances), and (v) your Average Daily Balance of Overdraft\nAdvances (including new Overdraft Advances); and\n(3) In addition, for certain Card types, there will be added a Foreign Transaction Fee of 3%\nof the total amount of all international and cross U.S. borders transactions (including\ntransactions made in U.S. Dollars) posted during a Billing Cycle. If you are not sure which\n7\n\ntype of Card you have, please look at your Card, review your Card Carrier, or call us at\n1-888-SYNOVUS (796-6887).\nThe Foreign Transaction Fee applies to the following credit cards:\n\xe2\x80\xa2 Synovus Classic Visa\n\xe2\x80\xa2 Synovus Rewards Visa\n\xe2\x80\xa2 Synovus Cash Rewards Visa\nThe Foreign Transaction Fee does not apply to the following credit cards:\n\xe2\x80\xa2 Synovus Travel Rewards Visa\n\xe2\x80\xa2 Synovus Travel Rewards Visa Signature\nFinance Charges, when calculated, will be rounded up to the next cent.\nPaying Interest\nWhen Interest Charges Begin to Accrue: Interest Charges on Purchases and Balance\nTransfers will be imposed at the applicable Monthly Periodic Rates from the date each\nPurchase is made and will continue to accrue on unpaid balances as long as they remain\nunpaid subject to any time period within which to pay to avoid paying interest on Purchases.\nNo Interest Charge on Purchases and Balance Transfers will be imposed for any Billing Cycle\nin which the Previous Balance is zero or a credit balance, or is paid in full by the Payment Due\nDate shown on the statement for the previous Billing Cycle. Interest Charges on Cash Advances,\nOverdraft Protection transactions, and Special Advances (consisting of Promotional Check\ntransactions and Promotional Balance Transfer transactions) will be imposed at the applicable\nMonthly Periodic Rates from the date each Cash Advance, Overdraft Protection transaction,\nPromotional Check transaction or Promotional Balance Transfer transaction is made, and will\ncontinue to accrue on unpaid balances as long as it remains unpaid.\nHow to Avoid Paying Interest on Purchases and Balance Transfers: Your Payment Due\nDate will be at least 25-days after the close of each Billing Cycle. We will not impose any\nInterest Charges on Purchases and Balance Transfers if you pay your entire New Balance by\nthe Payment Due Date each month.\nCalculating the Balance Subject to Interest Rate\nAverage Daily Balance of Cash Advances (including new Cash Advances): To\ncalculate the Average Daily Balance of Cash Advances, we take the beginning Cash Advance\nbalance of your Account each day, including unpaid Interest Charges on Cash Advances\n(which balance may also include unpaid Transaction Fees of the kinds mentioned below and\nunpaid Interest Charges thereon), add any new Cash Advances as of the date of transaction,\nadd the Cash Advance Transaction Fee on any Cash Advances, Overdraft Protection\ntransactions, Promotional Check transactions and Promotional Balance Transfers, as of the\ndate of transaction of each Cash Advance, Overdraft Protection transaction, Promotional\nCheck transaction or Promotional Balance Transfer, and subtract the applicable portion of\nany payments and credits as of the date of transaction. This gives us the daily balance for\nCash Advances. Then we add all these daily balances for the Billing Cycle together and divide\nthe total by the number of days in the Billing Cycle. This gives us the Average Daily Balance\nof Cash Advances.\nAverage Daily Balance of Purchases (including new Purchases): To calculate the\nAverage Daily Balance of Purchases, we take the beginning Purchase balance of your Account\neach day, including any unpaid Interest Charges on Purchases, add any new Purchases as of\nthe date of transaction, and subtract the applicable portion of any payments and credits as of\nthe date of transaction. (However, we subtract the applicable portion of any payments you paid\nby the Payment Due Date during the Billing Cycle, as of the first day of the Billing Cycle.) This\n8\n\nComputing the Monthly Periodic Rates and corresponding ANNUAL\nPERCENTAGE RATE (APR)\nSpecial or Introductory Monthly Periodic Rates: Any special or introductory\nMonthly Periodic Rate and corresponding Annual Percentage Rate, the type of average daily\nbalances to which it applies if it does not apply to all your average daily balances, and the\nperiod for which it is applicable, are shown on the accompanying Summary of Terms and/\nor Card Carrier or, in the case of Promotional Check, Promotional Balance Transfer or other\nspecial offers we may make in the future, will be specified in the disclosures accompanying\nthe special offer. For any rates specified in the accompanying Summary of Terms or Card\nCarrier as \xe2\x80\x9cIntroductory\xe2\x80\x9d for a specified period, those Introductory rates will expire no less\nthan the specified period after the opening of your Account. Except during periods and with\nrespect to balances for which any special or introductory Monthly Periodic Rate is applicable,\neach Monthly Periodic Rate and corresponding Annual Percentage Rate applicable to your\nAccount will be determined as described below under \xe2\x80\x9cRegular Monthly Periodic Rates\xe2\x80\x9d.\nRegular Monthly Periodic Rates: One or more Regular Monthly Periodic Rates\nand corresponding Annual Percentage Rates apply to your Account, as shown in the\n\naccompanying Summary of Terms and/or Card Carrier or, in the case of Promotional Check,\nPromotional Balance Transfers or other special offers we may make in the future, as specified\nin the disclosures accompanying the special offer. (For example, the Monthly Periodic Rate\nand corresponding Annual Percentage Rate applicable to Purchases and Balance Transfers\nmay be different from the Monthly Periodic Rate and corresponding Annual Percentage Rate\napplicable to Cash Advances.) The rates apply to your Account as follows:\nThe Regular Monthly Periodic Rate and corresponding Annual Percentage Rate applicable to\nyour (i) Average Daily Balance of Purchases, (ii) Average Daily Balance of Balance Transfers,\n(iii) Average Daily Balance of Overdraft Advances, (iv) Average Daily Balance of Cash\nAdvances and (iv) Average Daily Balance of Special Advances (for any Promotional Check\nor Promotional Balance Transfer balances which, in the Promotional Check or Promotional\nBalance Transfer offer, we specify will have the same Regular Annual Percentage Rate as\nBalance Transfers following the promotional period) (collectively, your \xe2\x80\x9cTotal Average Daily\nBalances\xe2\x80\x9d), is specified in the accompanying Summary of Terms or Card Carrier and, unless\notherwise specified in the accompanying Summary of Terms or Card Carrier, will be the same\nfor each such Average Daily Balance.\nIf the Monthly Periodic Rate and corresponding Annual Percentage Rate are a variable rate,\nthis will be specified in the accompanying Summary of Terms. If a variable rate, the following\napplies: The Regular Monthly Periodic Rate and corresponding Annual Percentage Rate\napplicable to your Total Average Daily Balances may vary. The Regular Monthly Periodic\nRate applied in any Billing Cycle to the Total Average Daily Balances will be equal to 1/12 of\nthe total of (i) the \xe2\x80\x9cPrime Rate\xe2\x80\x9d (as defined below) and (ii) the applicable Margin as shown\nin the accompanying Summary of Terms. The \xe2\x80\x9cPrime Rate\xe2\x80\x9d used is the highest Prime Rate\npublished in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall Street Journal on the last day of the\ncalendar month in which the Billing Cycle begins (or if not published on that day, on the\ndate of its next publication following that date). If the Prime Rate increases, the Regular\nMonthly Periodic Rate and corresponding Annual Percentage Rate under the above formula\nmay increase. As a result, the Interest Charges, the Minimum Payment, and the number of\npayments may also increase. Any new Regular Monthly Periodic Rate will apply to your entire\nTotal Average Daily Balances, including both existing balances and new transactions, and\ndetermined as described above.\nFor any Promotional Check or Promotional Balance Transfer balances which, in the\nPromotional Check or Promotional Balance Transfer offer, we specify will have the same\nRegular Annual Percentage Rate as Cash Advances following the promotional period, the\nRegular Monthly Periodic Rate and corresponding Annual Percentage Rate applicable\nto each Average Daily Balance of Special Advances will be determined as provided above.\nFor any Promotional Check or Promotional Balance Transfer balances which, in the\nPromotional Check or Promotional Balance Transfer offer, we specify will have a Regular\nAnnual Percentage Rate following the promotional period other than the Regular Annual\nPercentage Rate for Balance Transfers or the Regular Annual Percentage Rate for Cash\nAdvances, the Regular Monthly Periodic Rate and corresponding Annual Percentage Rate\napplicable to any Average Daily Balance of Special Advances will be determined as described\nin the Promotional Check or Promotional Balance Transfer offer.)\nEmployee Preferential Rates: If your Summary of Terms and/or Card Carrier disclose\ninformation regarding Loss of Employee Preferential APRs, this means that your Regular\nMonthly Periodic Rates and corresponding APRs are preferential rates extended to you\nbecause you are an employee, officer or director of Synovus Bank or one of its affiliated\ncompanies or of Total System Services, Inc. or one of its affiliated companies. If that\n\n9\n\n10\n\ngives us the daily balance for Purchases. Then we add all these daily balances for the Billing\nCycle together and divide the total by the number of days in the Billing Cycle. This gives us\nthe Average Daily Balance of Purchases.\nAverage Daily Balance of Balance Transfers (including new Balance\nTransfers): To calculate the Average Daily Balance of Balance transfers, we take the\nbeginning Balance Transfer balance of your Account each day, including unpaid Interest\nCharges on Balance Transfers, add any new Balance Transfers as of the date of transaction,\nand subtract the applicable portion of any payments and credits on your Account as of the\ndate of transaction. This gives us the daily balance for Balance Transfers. Then we add all\nthese daily balances for the Billing Cycle together and divide the total by the number of days\nin the Billing Cycle. This gives us the Average Daily Balance of Balance Transfers.\nAverage Daily Balance of Special Advances (including new Special\nAdvances): If you use a Promotional Check or Promotional Balance Transfer we offer\nyou then while the special reduced Monthly Periodic Rate is in effect it will be applied to an\nAverage Daily Balance of Special Advances (including new Special Advances), computed\nfor your Promotional Check or Promotional Balance Transfer balances in the same\nmanner as the Average Daily Balance of Cash Advances (described above); provided that\nthe Cash Advance Transaction Fee for Promotional Check or Promotional Balance Transfer\ntransactions is included in your Average Daily Balance of Cash Advances rather than in your\nAverage Daily Balance of Special Advances. When the special reduced Monthly Periodic\nRate is no longer in effect, we will continue to include such balances, including any unpaid\nInterest Charges thereon, in an Average Daily Balance of Special Advances, computed in the\nsame manner specified above.\nAverage Daily Balance of Overdraft Advances (including new Overdraft\nAdvances): Overdraft Protection transactions will be included from the transaction date to\nyour Account, in an Average Daily Balance of Overdraft Advances (including new Overdraft\nAdvances), computed in the same manner as the Average Daily Balance of Cash Advances\n(described above) provided that the Cash Advance Transaction Fee for Overdraft Protection\ntransactions is included in the Average Daily Balance of Cash Advances rather than in the\nAverage Daily Balance of Overdraft Advances. We will apply to your Average Daily Balance\nof Overdraft Advances the same Introductory or Regular Monthly Periodic Rate as we apply\nto your Balance Transfers.\n\n\x0c'


b'Summary of Terms for\nFirst Latitude Secured\nCredit Card\nAs of 2/1/2019\nInterest Rates and\nInterest Charges\n\nFirst Latitude Platinum MasterCard\xc2\xae Secured Credit Card\n\nThese APRs will vary with the market based on the Prime Rate\n\nAnnual Percentage\nRate(APR) for Purchases\n\nPrime Rate plus\nMargin of 21.24%*\n\nAPR for Cash Advances\n\nPrime Rate plus\nMargin of 21.24%*\n\nPaying Interest\n\nYour payment due date is at least 25 days after the close of each billing cycle. We\nwill not charge you interest on purchases if you pay your entire balance by the due\ndate each month. We will begin charging interest on cash advances on the date of\nthe cash advance.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.50\n\nFees\n\nNo Annual Fee\n\nAnnual Fee\nTransaction Fees\nCash Advance\n\nEither $10.00 or 3% of the amount of each Cash Advance, whichever is greater\n\nForeign Transactions\n\n3% of the transaction amount\n\nPenalty Fees\nLate Payment\n\nUp to $39\n\nReturned Payment\n\nUp to $28\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cdaily balance\xe2\x80\x9d. See the Cardholder Agreement for more details.\n\nFLPT-090117-020119\n\n\x0c'


b'Summary of Terms for\nFirst Progress Secured\nCredit Cards (Page 1)\nAs of 2/1/2019\nInterest Rates and\nInterest Charges\n\nPlatinum Elite\nPlatinum Select\nPlatinum Prestige\nMasterCard\xc2\xae Secured MasterCard\xc2\xae Secured MasterCard\xc2\xae Secured\nCredit Card\nCredit Card\nCredit Card\n\nThese APRs will vary with the market based on the Prime Rate\n\nAnnual Percentage\nRate(APR) for Purchases\n\nPrime Rate plus\nMargin of 15.24%*\n\nPrime Rate plus\nMargin of 9.24%*\n\nPrime Rate plus Margin\nof 5.24%*\n\nAPR for Cash Advances\n\nPrime Rate plus\nMargin of 20.24%*\n\nPrime Rate plus\nMargin of 15.24%*\n\nPrime Rate plus Margin\nof 14.24%*\n\nPaying Interest\n\nYour payment due date is at least 25 days after the close of each billing cycle. W e\nwill not charge you interest on purchases if you pay your entire balance by the due\ndate each month. We will begin charging interest on cash advances on the date of\nthe cash advance.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.50\n\nFees\nAnnual Fee\n\n$29\n\n$39\n\n$49\n\nTransaction Fees\nCash Advance\n\nEither $10.00 or 3% of the amount of each Cash Advance, whichever is greater\n\nForeign Transactions\n\n3% of the transaction amount\n\nPenalty Fees\nLate Payment\n\nUp to $39\n\nReturned Payment\n\nUp to $28\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cdaily balance\xe2\x80\x9d. See the Cardholder Agreement for more details.\n\nFPPT-010516-020119\n\n\x0c'


b'FIRST LATITUDE MASTERCARD\xc2\xae SECURED CREDIT CARD\nSUMMARY OF TERMS as of 2/1/2019\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\n26.74%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n26.74%\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nMinimum Interest Charge\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any Interest on purchases if you pay your entire balance by the\ndue date each month. We will begin charging Interest on Cash Advances on\nthe transaction date.\nIf you are charged Interest, the charge will be no less than $1.50.\n\nFor Credit Card Tips from the\nConsumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection Bureau\nat http://www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\n\nNo Annual Fee\n\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\n\nEither $10.00 or 3% of the amount of each Cash Advance, whichever is greater\n\n\xe2\x80\xa2\n\nForeign Transaction\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2\n\n3% of the transaction amount\n\nUp to $39.00\n\nReturned Payment\n\nUp to $28.00\n\nHow We Will Calculate Your Balance: We use a method called "daily balance\xe2\x80\x9d. See the Cardholder\nAgreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided\nin the Cardholder Agreement.\nMargins and Daily Periodic Rates with Corresponding APRs (as of 2/1/2019)\nPurchase Rate\n\nCash Advance and Convenience Check\nRate\n\nMargin\n\n21.24%\n\n21.24%\n\nDaily Periodic Rate\n\n0.0732603% (corresponding APR of 26.74%)\n\n0.0732603% (corresponding APR of 26.74%)\n\nThese rates may increase monthly, effective as of the first day of your Billing Cycle. See the Cardholder\nAgreement for details.\nThis Summary of Terms is incorporated into and made part of the accompanying Cardholder Agreement.\nRetain both for your records.\nFLSUT-090117-020119\n\n\x0c'


b'Summary of Terms for\nFirst Progress Secured\nCredit Cards (Page 1)\nAs of 2/1/2019\nInterest Rates and\nInterest Charges\n\nPlatinum Elite\nPlatinum Select\nPlatinum Prestige\nMasterCard\xc2\xae Secured MasterCard\xc2\xae Secured MasterCard\xc2\xae Secured\nCredit Card\nCredit Card\nCredit Card\n\nThese APRs will vary with the market based on the Prime Rate\n\nAnnual Percentage\nRate(APR) for Purchases\n\nPrime Rate plus\nMargin of 15.24%*\n\nPrime Rate plus\nMargin of 9.24%*\n\nPrime Rate plus Margin\nof 5.24%*\n\nAPR for Cash Advances\n\nPrime Rate plus\nMargin of 20.24%*\n\nPrime Rate plus\nMargin of 15.24%*\n\nPrime Rate plus Margin\nof 14.24%*\n\nPaying Interest\n\nYour payment due date is at least 25 days after the close of each billing cycle. W\ne will not charge you interest on purchases if you pay your entire balance by the\ndue date each month. We will begin charging interest on cash advances on the\ndate of the cash advance.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.50\n\nFees\nAnnual Fee\n\n$29\n\n$39\n\n$49\n\nTransaction Fees\nCash Advance\n\nEither $10.00 or 3% of the amount of each Cash Advance, whichever is greater\n\nForeign Transactions\n\n3% of the transaction amount\n\nPenalty Fees\nLate Payment\n\nUp to $39\n\nReturned Payment\n\nUp to $28\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cdaily balance\xe2\x80\x9d. See the Cardholder Agreement for more details.\n\nFPPT-010516-020119\n\n\x0c'


b'FIRST PROGRESS PLATINUM PRESTIGE MASTERCARD\xc2\xae SECURED CREDIT CARD\nSUMMARY OF TERMS as of 2/1/2019\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\n10.74%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n19.74%\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nMinimum Interest Charge\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any Interest on purchases if you pay your entire balance by the\ndue date each month. We will begin charging Interest on Cash Advances on\nthe transaction date.\nIf you are charged Interest, the charge will be no less than $1.50.\n\nFor Credit Card Tips from the\nConsumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection Bureau\nat http://www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2\n\n$49.00\nEither $10.00 or 3% of the amount of each Cash Advance, whichever is greater\n\nForeign Transaction\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2\n\n3% of the transaction amount\n\nUp to $39.00\n\nReturned Payment\n\nUp to $28.00\n\nHow We Will Calculate Your Balance: We use a method called "daily balance\xe2\x80\x9d. See the Cardholder\nAgreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided\nin the Cardholder Agreement.\nMargins and Daily Periodic Rates with Corresponding APRs (as of 2/1/2019)\nPurchase Rate\n\nCash Advance and Convenience Check\nRate\n\nMargin\n\n5.24%\n\n14.24%\n\nDaily Periodic Rate\n\n0.0294247% (corresponding APR of 10.74%) 0.0540822% (corresponding APR of 19.74%)\n\nThese rates may increase monthly, effective as of the first day of your Billing Cycle. See the Cardholder\nAgreement for details.\nThis Summary of Terms is incorporated into and made part of the accompanying Cardholder Agreement.\nRetain both for your records.\nFPSTP-010516-20119\n\n\x0c'


b'SYNOVUS TRAVEL REWARDS VISA\xc2\xae SUMMARY OF CREDIT TERMS\nInterest Rates and Interest Charges\n\nAnnual Percentage Rate (APR) for Purchases\n\n0.00% introductory APR for the first six (6) months. After that, your APR will be: 9.24%,\n12.24%, 15.24%, or 21.24% based on your credit worthiness and other factors.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers and\nOverdraft Protection Transactions\n\nAPR for Cash Advances\n\n0.00% introductory APR for the first six (6) months. After that, your APR will be: 9.24%,\n12.24%, 15.24%, or 21.24% based on your credit worthiness and other factors.\nThis APR will vary with the market based on the Prime Rate.\n\n24.24% (except on overdraft protection transactions)\nThis APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying Interest on Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on purchases if you pay your entire balance by the due date of each month.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website\nof the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\n\n$0 introductory Annual Rewards Membership Fee for one year.\nAfter that, $50.\nEither $10 or 4% of the amount of each cash advance, whichever is greater (except on\noverdraft protection transactions.)\nEither $15 or the amount of the overdraft protection transaction, whichever is less, on each\noverdraft protection transaction.\n\n\xe2\x80\xa2 Foreign Transaction\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nNone\nUp to $35\nUp to $25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nThe variable APRs shown above are those in effect as of March 31, 2020. This information may have changed after that date. To find out what may have changed, please call us at\n1-888-SYNOVUS (796-6887) or write to us at Card Services, 1111 Bay Avenue, Columbus, Georgia 31901.\nBalance transfers will be applied to your account and sent to your designated payee(s) no earlier than 10 days after your account is opened and we have mailed you the account opening\ndisclosures. Until we have sent the balance transfer to your designated payee, you may cancel or modify your balance transfer request by calling the number on the back of your card.\n\n3-31-20\n\n\x0c'