1MASTERCARD� First Progress 
CARDHOLDER AGREEMENT 
NEW YORK RESIDENTS: 
RETAIL INSTALMENT CREDIT AGREEMENT 
Dear Cardmember:
This agreement (�Agreement� or �Cardholder Agreement�), 
as modified from time to time, will govern the use of 
your First Progress MasterCard Account (�Account�) by 
any person designated on the application, acceptance 
certificate or other written document (including an electronic 
record) that you signed or otherwise submitted for this 
Account (�Application�), which is part of this Agreement 
and incorporated herein by reference. The accompanying 
Summary of Terms  is hereby incorporated into and 
made a part of this Agreement.  Before you use any credit 
card (�Card�) that we issue to you, please thoroughly read 
this Agreement, including the accompanying Summary 
of Terms and the following additional documents, which 
are part of this Agreement and incorporated herein by 
reference: (i) the card mailer provided with your Card(s) 
when we opened your Account (�Card Mailer�), (ii) your 
most recent cardholder statement (existing Accounts 
only), and (iii) any notification of changes to your Account 
(existing Accounts only). If you do not wish to be bound 
by this Agreement or to activate the Account, do not use 
the Card and cut the Card in half and return it to us at First 
Progress Card, P.O. Box 9053, Johnson City, TN 37615-
9053. Any acceptance, signing or use of the Card or 
Account will constitute your consent and agreement to all 
terms, conditions and provisions set forth below (in New 
York, you must sign a sales slip or memorandum). If you 
elect to close your Account and notify us in writing before 
you make any charges for Purchases or Cash Advances 
to your Account or pay any Fees, including the Annual 
Fee, you will not be responsible for any Fees, including 
the Annual Fee, or any Interest. In such a case, any Fees 
or Interest charged will be credited back to your Account. 
New York Residents : You will not be required to pay any 
annual fee until after the date that you first sign a sales 
slip or memorandum.
Please save this Agreement for future reference. It 
contains important state and federal disclosures, including 
Regulation Z disclosures and disclosures regarding your 
rights in case of errors or inquiries about your bill.In this Agreement, �we�, �us�, and �our� refer to Synovus 
Bank, 1125 1st Avenue, Columbus GA 31901, the issuer 
of the Card, and to its successors and assigns. The words 
�you� and �your� refer to the person who applied for the 
Account, any co-signer, co-obligor or guarantor, and each 
person to whom we issue a Card at your request or who 
uses a Card with your consent (an �Authorized User�). 
The words �Business Day� mean any day (excluding 
Saturday and Sunday or legal holiday) on which banking 
institutions are open for general business in Georgia. 
�Purchases� mean using your Card or Account to pay 
for  goods  or  services.  �Cash Advance�  means  using 
your Card or Account to get cash from ATMs or banks 
that accept the card or by using cash advance checks 
(�Convenience Checks�) we may provide to you. �Interest� 
means the interest charges we impose on a Purchase or 
Cash Advance or on Fees or previously accrued interest 
charges. �Fees� means other amounts added to your 
Account from time to time, including Cash Advance Fees, 
Foreign Transaction Fees, Late Fees, Annual Fees, 
Returned Payment Fees, and other fees we charge as 
specified in this Agreement. �Finance Charge� includes 
both Interest and certain Fees.
This Agreement becomes effective on the date (the 
�Effective Date�) we establish your Account and your 
Deposit Account following the last to occur of (i) our receipt 
and approval of your Application, and (ii) our receipt and 
final collection of good funds comprising your payment 
of your initial Deposit (in New York, on the date that you 
first sign a sales slip or memorandum after receipt of the 
Agreement, if not an existing customer).
To avoid unauthorized use of your Card, please sign the 
back of your Card immediately.
In the �Security Interest� section that follows next, 
�Cardholder Agreement� refers to this Agreement, 
including the Security Interest section.
F03-L175-0 -1221 Security Interest. As a condition to approving an Account for you, you must maintain a deposit with us of not 
less than $200 (the �Deposit�). Your Deposit will be held in a comingled non-interest bearing deposit account with 
other customers� deposits (�Deposit Account�). The Deposit Account is insured by the Federal Deposit Insurance 
Corporation to the extent permitted by law. You grant us a security interest in and pledge and assign to us that portion 
of the Deposit Account represented by your Deposit, including any funds deposited following the Effective Date of 
your Cardholder Agreement, to secure payment of all of your existing and future obligations under your Cardholder 
Agreement and on your Account (the �Security Interest�). Except for the Security Interest you are providing us, you 
shall cause the Deposit to remain unencumbered (i.e. not subject to any lien, judgment, attachment or execution). 
You may add funds to the Deposit Account only with our approval. If we approve such addition of funds, they must be 
mailed to us using a paper check at the address we specify at the time of approval. You are not permitted to initiate 
electronic transfers to or from the Deposit Account. You may not withdraw or transfer funds from the Deposit Account 
other than by our refund to you of any amounts remaining of your Deposit after your Account is closed and each of 
the following have occurred: (i) all amounts owed to us on your Account or otherwise owed under your Cardholder 
Agreement are paid in full, (ii) we receive from you all unexpired Cards, cut in half, and (iii) a period of up to 2 months
Prog_CardAgreement_8x11_1221.pdf--November 24, 2021--Page1of12  21. Using Your Card. You may use your Card to make 
Purchases or obtain Cash Advances if your Account is in 
good standing and you have Available Credit, as defined 
in Section 2 below.   If you give your Account number 
to make a Purchase or obtain a Cash Advance without 
presenting your Card (such as for a mail order, telephone, 
or Internet purchase), the legal effect will be the same as 
if the Card itself was used by you. If we, at our option, 
give you a Personal Identification Number (PIN), you may 
also use your Card and a PIN to obtain Cash Advances 
at any automated teller machine (�ATM�) that bears the 
MasterCard logo. We may impose restrictions on your 
Account at any time, including restrictions on (a) the 
number of transactions allowed per day; (b) the dollar 
amount of transactions approved; (c) your ability to obtain 
Cash Advances; and (d) your ability to use your Card at 
an ATM.
You agree to use your Account only for personal, family 
or  household  purposes.  Your  Account  may  be  used 
only for valid and lawful purposes. If you use, or allow 
someone else to use, your Card and Account for any 
other  purpose,  you  will  be  responsible  for  such  use 
and may be required to reimburse us for all amounts or 
expenses we pay as a result of such use. You may not 
use the Card or your Account for any illegal transaction 
or any gambling transaction. We will decline identifiable 
gambling transactions.
You should not keep your PIN with your Card. If you 
believe that anyone has gained unauthorized access to 
your PIN, you should advise us immediately, following the 
procedures under the heading �Lost or Stolen Card.�
2. Credit Limit and Available Credit.  The maximum 
permitted outstanding balance for your Account (including 
principal, accrued Interest and fees, whether billed or 
unbilled) is your credit limit (�Credit Limit�). Your credit 
available (�Available Credit�) is the Credit Limit less your 
outstanding balance and any amounts we at our sole 
discretion may add to keep your outstanding balance 
below your Credit Limit, such as Interest Charges andFees incurred but not yet billed. The initial Credit Limit 
for your Account will be equal to the amount of the 
Deposit that you make with us, which must be at least 
$200 (see �Security Interest� above). However, if you 
choose to deposit more than $200, your initial deposit and 
corresponding Credit Limit may not exceed $2,000 and 
must be at least the amount specified in the solicitation 
or application. Your initially available credit will be 
equal to your initial Credit Limit, less the Annual Fee in 
the amount specified in the accompanying Summary 
of Terms, imposed after your Account is opened. For 
example, if your initial Credit Limit is $200 and if your 
Annual  Fee  specified  in  the  accompanying  Summary 
of Terms is $49, your initially available credit would be 
$151. (The renewal Annual Fee, when imposed annually 
thereafter, would also reduce your then available credit 
by $49.) Or, for example, if your initial Credit Limit is $200 
and if your Annual Fee specified in the accompanying 
Summary of Terms is $39, your initially available credit 
would  be  $161. (The  renewal  Annual  Fee,  when 
imposed annually thereafter, would also reduce your then 
available credit by $39.)  Or, for example, if your initial 
Credit Limit is $200 and if your Annual Fee specified in 
the accompanying Summary of Terms is $29, your initially 
available credit would be $171. (The renewal Annual Fee, 
when imposed annually thereafter, would also reduce 
your then available credit by $29.) Your Credit Limit may 
be increased only with our approval. For cardholders 
under  the  age  of  21  with  a  co-signer,  the  co-signer 
must sign a written statement approving the increase 
and taking responsibility for repayment of the increase. 
If we approve your request to do so, your Credit Limit 
and Available Credit may be increased by your making 
an additional deposit with good funds to your Account, 
by mailing them to us at the address we specify at the 
time of approval. We may choose to increase your Credit 
Limit without requiring you to add to the Deposit Account. 
Any increases in your Credit Limit are subject to credit 
approval. The maximum Credit Limit you can obtain over 
time is $5,000. Payments you make on your Account will 
not increase your Available Credit until we are assured 
that the payment has not been dishonored. This payment has elapsed since your Account was closed and your unexpired Cards returned to us, during which we may retain 
any amounts remaining of your Deposit to allow for any outstanding transactions to be posted to your Account. If 
you or we close your Account for any reason, or you are in Default (as provided in your Cardholder Agreement), you 
authorize us, to the extent not prohibited by law, to apply all or any part of your funds in the Deposit Account towards 
the outstanding balance of your Account and any other amounts owed under your Cardholder Agreement without 
giving you prior notice. If we choose not to, or otherwise fail to apply your funds in the Deposit Account towards 
amounts owed on the Account or otherwise owed under your Cardholder Agreement, you agree that: (a) we do not 
thereby waive any right we have to do so at any later time, and to the extent not prohibited by law we may so apply 
such funds at any time, in our sole discretion; and (b) you are not thereby excused from the performance of any 
obligation owing with respect to the Account or otherwise under your Cardholder Agreement. However, if the Account 
is closed by you or by us for any reason, and we fail to apply your funds in the Deposit Account towards amounts 
owed on the Account or otherwise owed under your Cardholder Agreement, you may request in writing that we apply 
your funds in the Deposit Account towards such amounts. We will honor any such written request within 10 days after 
we receive it at P.O. Box 9053, Johnson City, TN 37615-9053. If the amount of your funds in the Deposit Account 
exceeds the amount you owe us, then, we will refund to you any amounts of your Deposit remaining in the Deposit 
Account after all obligations owed to us are satisfied subject to the time period restrictions described above. Except 
for your Deposit in the Deposit Account, we do not have a security interest in any other of your property in connection 
with your Account. Funds in the Deposit Account are not held in trust for the Cardholder.
Prog_CardAgreement_8x11_1221.pdf--November 24, 2021--Page2of12  3hold may take up to ten (10) days (see �Credit Availability/ 
Payment Hold� below at Section 5).
You agree not to make any Purchase or obtain any Cash 
Advance that would cause the unpaid principal balance 
of your Account to exceed your Available Credit. We are 
not required to allow you to make Purchases or Cash 
Advances that, along with billed and unbilled Finance 
Charges and Fees, would cause your outstanding 
Account balance to exceed your Credit Limit, but, if we 
do, you will be liable for any such amount. If you exceed 
your Credit Limit, we may, at our option, (i) charge you for 
all Purchases and Cash Advances without giving up any 
of our rights (ii) require that you immediately pay to us any 
amount in excess of your Credit Limit, or (iii) suspend or 
terminate your use of the Card or Account. If you request 
that your Credit Limit be increased either permanently or 
temporarily, we have no obligation to do so; however, we 
may make such an increase if we choose without giving 
up or waiving any of our rights, and without having to 
honor other uses which would cause your Credit Limit to 
be exceeded. We may permanently increase or decrease 
your Credit Limit as we deem appropriate with notice if 
required by applicable law.
Changes in your Credit Limit do not affect your obligation 
to pay all amounts that you owe under this Agreement. 
3.  Billing Statement, Initial Annual Fee and Credit 
Availability. The initial Annual Fee in the amount specified 
in the accompanying Summary of Terms will be billed to 
your Account following Card issuance and will appear 
on your monthly billing statement (�Billing Statement�). 
Your current Credit Limit and Available Credit will appear 
on each Billing Statement. Payments you make on your 
Account will not increase your Available Credit until we 
are assured that the payment has not been dishonored. 
This payment hold may take up to ten (10) days (see 
�Credit Availability/Payment Hold� below at Section 5).
4.  Payments. You promise to pay us for all Purchases 
or Cash Advances (including amounts advanced to any 
Authorized User) under this Agreement, plus all Interest, 
Minimum Interest Charges and Fees assessed on those 
amounts, and all other costs that are applied to your 
Account. You may at any time pay more than the minimum 
payment due or pay the total unpaid balance in full without 
incurring any additional charge for prepayment. You must 
pay at least the minimum payment due each month 
(�Minimum Payment Due�) as shown on your Billing 
Statement so that we receive it at our processing facility 
by 5:00 P.M. Eastern Time on your Payment Due Date. 
The Payment Due Date will be at least twenty-five (25) 
days after the Billing Cycle Closing Date and will be the 
same date of each calendar month. All payments must 
be made in U.S. dollars, and all checks or other items 
tendered in payment must be drawn on a U.S. financial 
institution. Payments must be made in accordance with 
any other instructions shown on the Billing Statement. 
Payments by mail must be by check or money order 
and accompanied by the remittance coupon from your Billing Statement. Payments received in proper form at 
our processing facility by 5 PM Eastern Time on any day 
will be credited to your Account as of that day. Payments 
received in proper form at our processing facility after 
5 PM Eastern Time on any day will be credited to your 
Account as of the next day. Payments received by any 
other method may be subject to a delay in crediting of 
up to 5 days after the date of receipt. Payments are not 
accepted at Synovus Bank locations. Delayed crediting 
of payments may cause you to incur additional charges, 
including, but not limited to, a Late Fee and additional 
Interest charges. The Minimum Payment Due will equal 
the greater of $43 or 5% of your outstanding balance, plus 
any past due amount and any balance in excess of your 
Credit Limit.
Payments will be applied from time to time in any manner 
that we determine to be in accordance with applicable 
law, but will ordinarily be applied to Interest, Fees, and 
other charges before principal balances. Payments in 
excess of the Minimum Payment Due will be applied, 
in accordance with applicable law, to your highest rate 
balances. Payments you make on your Account will not 
increase your Available Credit until we are assured that 
the payment has not been dishonored. This payment hold 
may take up to ten (10) days (see �Credit Availability/ 
Payment Hold� below at Section 5).
Paying by Check. If you pay by check, you authorize 
us to use information on your check to make a one- 
time electronic debit from your account at the financial 
institution indicated on your check. This electronic debit 
will be for the amount of your check; no additional amount 
will be added to the electronic debit. We will process your 
payment using the Automated Clearing House (ACH) 
system. When we use information from your check to 
make an electronic fund transfer, funds may be withdrawn 
from your account as soon as the same day we receive 
your payment. Electronically processed checks (and 
checks presented electronically) are not returned to you 
by your bank, but a copy can be retrieved by contacting 
your bank. We will retain an image of your electronically 
processed check as required by law. Please contact the 
Customer Service Department at the telephone number 
on your Billing Statement if you have questions about 
electronic check conversion or if you prefer not to have 
your check information used in this way.
Stopping Convenience Check Payments: You agree to 
notify us in writing sufficiently in advance to request that 
we stop payment on a Convenience Check. We may, but 
are not required to, accept an oral stop payment request. 
Although we may attempt to stop payment, we are under 
no liability for failure to stop payment.
5. Credit Availability/Payment Hold. For all payments, 
depending on the payment amount and/or how long your 
Account has been opened, and if you have previously 
made a payment that was not honored for any reason, 
such payment will not increase your Available Credit until 
we are assured that the payment has not been dishonored. 
Prog_CardAgreement_8x11_1221.pdf--November 24, 2021--Page3of12  4This payment hold may take up to ten (10) days. If you 
use a payment service provided by a third party to deliver 
your payment to us, that third party may charge you a fee  
for such service; such third party fees are not paid to us 
and we will not bill these fees to your Account; however, 
you may authorize those charges if you wish.   
 
6. Irregular Payments and Delay in Enforcement, 
Waivers and Releases. We can accept late payments, 
partial payments, checks, and money orders marked �paid 
in full� or language having the same effect without losing 
any of our rights under this Agreement. We are under no 
obligation to hold a postdated check and we reserve the 
right to process every item presented as if dated the same 
date received by us unless you give us adequate notice 
and a reasonable opportunity to act on it. Except where 
such notice and opportunity is given, you may not hold 
us liable for depositing any postdated check. You agree 
not to send us partial payments marked �paid in full,� 
�without recourse,� or similar language. If you send such a 
payment, we may accept it without losing any of our rights 
under this Agreement.  All written communications 
concerning disputed amounts, including a check or 
other payment instrument that (a) indicates that the 
payment constitutes �payment in full� or is otherwise 
tendered as full satisfaction of a disputed amount, or 
(b) is tendered with other conditions or limitations, 
must be marked or delivered to us at the address for 
account inquiries shown on your Billing Statement, 
not the Payment Address.
7. Billing Statements. We will promptly send a Billing 
Statement at the end of each monthly Billing Cycle if your 
Account has a debit or credit balance greater than $1.00 
or if a Finance Charge has been imposed. The Billing 
Statement will show the Previous Balance, Purchases 
and  Cash Advances  posted  during  the  Billing  Cycle, 
any Interest Charges, Other Charges and fees, and all 
payments, debits, and credits to your Account through the 
Billing Cycle Closing Date. It will also show, among other 
things, your New Balance, the Minimum Payment Due, 
and the Payment Due Date (which will be at least twenty- 
five (25) days after the Billing Cycle Closing Date).
8. Lost or Stolen Card. If you notice the loss or theft 
of your Card or a possible unauthorized use of your 
Card, write to us at First Progress Card, PO Box 9053, 
Johnson City, TN 37615-9053 or call us toll free at 1-866-
706-5543. You will not be liable for any unauthorized use 
of your Card that occurs after you notify us. In any case, 
your liability will not exceed $50.00. In New York, you will 
not be liable for unauthorized use of the Card that occurs 
prior to the Effective Date.
9. Paying Interest. Interest accrues on Purchases 
beginning on the date a Purchase is posted to your 
Account. However, interest will not be imposed on 
Purchases we post to your Account in any Billing Cycle 
in which the Previous Balance shown on your Billing 
Statement for that Billing Cycle is zero or paid in full by 
the Payment Due Date during that Billing Cycle, if you pay your New Balance in full by the Payment Due Date 
shown on that Billing Statement. Interest accrues on 
Cash Advances beginning on the transaction date. There 
is no time within which you can pay the balance of a Cash 
Advance to avoid Interest. How to Avoid Paying Interest 
on Purchases: Your Payment Due Date is at least 25 days 
after the close of each Billing Cycle. We will not charge 
you any Interest on Purchases if you pay your entire New 
Balance by the Payment Due Date each month.
How We Compute the Annual Percentage Rate (APR) 
and Daily Periodic Rate. The APR for Purchases and 
the APR for Cash Advances are calculated by adding 
the Margins disclosed in the accompanying Summary 
of Terms to the Prime Rate reported in  The Wall Street 
Journal  on the first Tuesday of every month, or if The Wall 
Street Journal  is not published on that day, on the next 
publication  day. APRs  are  adjusted  monthly,  effective 
as of the first day of your first Billing Cycle ending on or 
after the date of the Prime Rate change. APRs will vary 
with the market based on variations in the Prime Rate. 
The applicable Daily Periodic Rate will be equal to 1/365 
of the applicable APR. The accompanying Summary of 
Terms shows the Daily Periodic Rates and corresponding 
APRs determined under the above formula, as of the date 
specified in the Summary of Terms. If the Prime Rate 
increases the Daily Periodic Rate and corresponding 
Annual Percentage Rate under the above formula may 
increase. As a result, the Interest Charges, the Minimum 
Payment Due and the number of payments may also 
increase.
Minimum Interest Charge. If your Account is subject 
to  an  Interest  charge  during  any  Billing  Cycle, 
the Minimum Interest Charge will be $1.50, if the 
calculated Interest charge would otherwise be less. 
How We Compute the Balance Subject to Interest
Rate.
Interest for a Billing Cycle is calculated separately for 
Purchase and Cash Advance balances. Convenience 
Checks are included in the Cash Advance balance. For 
each balance type we use the daily balance method 
(including current transactions). For each balance type, 
we figure the interest charge on your account by applying 
the applicable Daily Periodic Rate to the applicable �daily 
balance� of your account for each day in the Billing Cycle. 
To get the �daily balance� for Purchases, we take the 
beginning Purchases balance of your account each day 
(including any unpaid Interest, Minimum Interest Charges 
and Fees), add any new Purchases and Fees, and any 
Interest accrued on the previous day�s daily balance, and 
subtract the applicable portion of any new payments or 
credits. To get the �daily balance� for Cash Advances, 
we take the beginning Cash Advances balance of your 
account each day (including any unpaid Interest and 
Fees), add any new Cash Advances and Fees, and any 
Interest accrued on  the previous  day�s daily  balance, 
and subtract the applicable portion of any new payments 
or  credits.  (All  Fees  are  included  in  the  Purchases 
daily balance except Cash Advance Fees and Foreign 
Prog_CardAgreement_8x11_1221.pdf--November 24, 2021--Page4of12  5Transaction Fees related to Cash Advances, which are 
included in the Cash Advances daily balance.) The total 
Interest charges for each balance type for each day 
during that Billing Cycle. Your Billing Statement will show 
a Balance Subject to Interest Rate for each balance type. 
That Balance Subject to Interest Rate is the average of 
the daily balances during the Billing Cycle, which is their 
sum divided by the number of days in the Billing Cycle.
The method we use to figure the daily balance and Interest 
results in daily compounding of interest.
10. Fees 
Cash Advance Fee. In addition to the periodic Interest on 
Cash Advances, a Cash Advance Fee as specified in the 
accompanying Summary of Terms will be posted to your 
Account, and such fee is included in your daily balance 
for Cash Advances for the purpose of calculating Interest. 
The Cash Advance Fee is a Finance Charge.
Foreign Transaction Fee. We will assess a Foreign 
Transaction Fee as specified in the accompanying 
Summary of Terms for any transaction made in a foreign 
currency that is converted to U.S. dollars by MasterCard 
International. This Foreign Transaction Fee will be applied 
to all transactions posted to your Account in a foreign 
currency, including all Purchases, Cash Advances, and 
returns and adjustments (e.g., for returned merchandise) 
and for the purpose of calculating Interest is included in  
the  daily  balance  for  the  same  daily  balance  type 
(e.g., Purchases or Cash Advances) as the transaction 
to which the Foreign Transaction Fee relates. A portion 
of each Foreign Transaction Fee is passed on by us to 
MasterCard International in connection with each foreign 
transaction. The Foreign Transaction Fee is a Finance 
Charge.
Other Fees. The following fees will be charged to your 
Account as a Purchase for the purpose of calculating 
Interest:
Annual Fee: Your Account will be assessed an Annual 
Fee as specified in the accompanying Summary of Terms 
after your Account is opened and annually thereafter. 
The Annual Fee is non-refundable except as provided in 
Section 13 below. Your payment of the Annual Fee does 
not affect our right to close your Account or to limit your 
ability to make transactions on your Account.
Late Payment Fee.  If we do not receive at least the 
Minimum Payment Due by the Payment Due Date shown 
on your Billing Statement, you will be charged a Late 
Payment Fee of up to $29.00 [$30.00 effective January 1, 
2022] (up to $40.00 [$41.00 effective January 1, 2022] if 
you have been subject to a Late Payment Fee during any 
of the preceding six Billing Cycles). We may also refer to 
this Fee as the �late fee� or �late charge.�
Returned Payment Fee.  If your payment by check or 
other payment instrument (including an electronic funds transfer or a telephone authorized draft) is not honored 
for any reason or cannot be processed, we will charge a 
Returned Payment Fee of up to $29.00 [$30.00 effective 
January 1, 2022].
Billing Statement Copy Fee. If you request an additional 
copy of a Billing Statement that is more than six (6) 
months old, we will charge you a Billing Statement Copy 
Fee of $1.00 for each Billing Statement requested to the 
extent not prohibited by law.
Expedited Telephone Payment Fee. W e may make 
available at our customer service number an expedited 
telephone payment service involving assistance by one of 
our associates or agents. We will charge a $10.00
Expedited Telephone Payment Fee for each expedited 
payment authorized by telephone in this way.
 
11. Default/Collection Costs. Subject to the limitations of 
applicable law, your Account will be in default (�Default�), 
and we may demand immediate payment of the entire 
amount you owe us without giving you prior notice, if: 
(a) your Minimum Payment Due is not received by the 
Payment Due Date; (b) you make Purchases or obtain Cash 
Advances in excess of your Credit Limit; (c) you become 
insolvent or are a party to a bankruptcy proceeding; (d) 
you die; (e) you misuse the Account or Card or violate 
any term of this Agreement; (f) any judgment or lien is 
fled against you or the Deposit; (g) to the extent permitted 
by law, we reasonably believe that your ability to repay 
your obligations to us has been materially impaired; (h) 
you fail to honor any of the terms or your promises made 
in this Agreement, or (i) you provide us with any false or 
misleading information or signatures on the Application 
or in any other communication with us or on any other 
account with us. We shall also have the right to all 
remedies provided by law including, without limitation, 
closing or refusing to renew your Account and demanding 
return of your Card(s). Our failure to declare your Account 
in default does not excuse you from performing all of your 
obligations under this Agreement, and such failure shall 
not constitute a waiver of our rights to declare the Account 
in default and terminate your ability to use the Account 
and the Card at a later time or upon the occurrence of the 
same or a different event of default.
If we refer your Account for collection to an attorney who 
is not our regularly salaried employee, you agree to pay 
the reasonable fees of such attorney and, whether or 
not an attorney is retained, all court and other collection 
costs,  including  any  amounts  actually  incurred  by  
us in recovering your Card(s), to the greatest extent not 
prohibited by law.
12. Refusals to Honor Card. We are not responsible if 
any bank, merchant or other person refuses to honor your 
Card. Except as otherwise required by law or regulations, 
we will not be responsible for merchandise or services 
purchased through use of your Card.
13.  Account Closing Prior to Use; Annual Fee Refund. 
Prog_CardAgreement_8x11_1221.pdf--November 24, 2021--Page5of12  6If you elect to close your Account and notify us in writing 
before you make any charges for Purchases or Cash 
Advances to your Account or pay any Fees, including the
Annual Fee, you will not be responsible for any Fees, 
including the Annual Fee, or any Interest. In such a case, 
any Fees or Interest charged will be credited back to your 
Account. ( New York Residents : You will not be required 
to pay any Fee, including the Annual Fee, or any Interest 
until after the date that you first sign a sales slip or 
memorandum.) Except as provided above, to the extent 
not prohibited by law the Annual Fee is non-refundable 
unless, in the case of a renewal Annual Fee, you sent 
us written notice of termination in accordance with (and 
within the 30 day period specified in) our annual renewal 
notice sent to you prior to your Billing Cycle in which the 
renewal Annual Fee is billed. However, if we close your 
Account for a reason other than at your request and other 
than for your Default, as set forth in Section 11 above, you 
will be entitled to a pro-rata refund of the portion of your 
Annual Fee which corresponds to the remaining portion of 
the annual period for which the Annual Fee was imposed.
14. Termination. You or we may close your Account or 
terminate your privileges under this Agreement or cancel 
or limit your privileges to make Purchases or obtain Cash 
Advances at any time, with or without cause, subject to 
applicable notice requirements.  If you or we terminate 
your Account, you promise that any amounts that 
you owe us at the time of termination, plus any new 
Purchases or Cash Advances, plus any Interest 
Charges, other Finance Charges and other Fees and 
charges that will continue to be imposed at the rates 
and in the amounts specified in this Agreement, will 
be repaid according to this Agreement. You agree 
that you will not try to make any Purchases or obtain 
Cash Advances after you have been notified that your 
privileges to use your Account have been canceled. To 
terminate your Account, you must give us written notice 
of your intent to terminate your Account at the address 
for inquiries shown on your Billing Statement. Your notice 
of termination will become effective as soon as we can 
reasonably act on it. If you or we close your Account for 
any reason, you authorize us, to the extent not prohibited 
by law, to apply all or any part of your funds in the Deposit 
Account towards all amounts owed on the Account or 
otherwise owed under this Agreement, as provided above 
under �Security Interest�.
15. Notices. We will send Billing Statements and any 
other notices to you at the address shown in our files. You 
promise to inform us promptly in writing of any change 
in your address or other contact information. Any written 
notice from you to us regarding this Agreement or your 
Account must be sent to us at First Progress Card, PO 
Box 9053, Johnson City, TN 37615-9053 or call us toll 
free at 1-866-706-5543, or to such other address as we 
may give you, and shall be effective only when received 
by us at such address. In determining your last known 
address, we can accept address corrections received 
from the U.S. Postal Service.16.  Changes  in Agreement  Terms. We  can  change 
any term of this Agreement, including the rate at which or 
manner in which Interest Charges or other Finance
Charges or Fees are calculated, in our sole discretion, 
upon such notice to you, if any, as is required by law. 
Changes in Interest Charges or other Finance Charges 
or Fees will apply to all new activity on your Account once 
the change is effective, and may apply to your outstanding 
balance when not prohibited by law. 
17. MILITARY LENDING ACT: The Military Lending 
Act (�MLA�) provides protections for certain members 
of the Armed Forces and their dependents (�Covered 
Borrowers�). The provisions of this section apply to 
Covered Borrowers under the MLA. If you would like more 
information about whether you are a Covered Borrower 
and whether this section applies to you, please contact us 
at 866-706-5543.
Statement of MAPR: Federal law provides important 
protections to members of the Armed Forces and their 
dependents relating to extensions of consumer credit. In 
general, the cost of consumer credit to a member of the 
Armed Forces and his or her dependent may not exceed 
an Annual Percentage Rate of 36%. This rate must include, 
as applicable to the credit transaction or account: (1) the 
costs associated with credit insurance premiums; (2) fees 
for ancillary products sold in connection with the credit 
transaction; (3) any application fee charged (other than 
certain application fees for specified credit transactions 
or accounts); and (4) any participation fee charged (other 
than certain participation fees for a credit card
account). 
Oral Disclosures: In order to hear important MLA 
disclosures and payment information, please call (888) 
491-6612.
Covered Borrowers: If you are a Covered Borrower, as 
defined under the MLA, 10 U.S.C. � 987, as amended 
from time to time, (i) the provisions of the ARBITRATION 
PROVISION below, (ii) any waiver of your right to legal 
recourse under any state or federal law and (iii) any other 
provision in this Agreement that is not enforceable against 
you under the MLA, does not apply to you.
 
18. Arbitration
PLEASE READ THIS PROVISION OF THE AGREEMENT 
CAREFULLY. UNLESS YOU EXERCISE YOUR RIGHT 
TO OPT-OUT OF ARBITRATION IN THE MANNER 
DESCRIBED BELOW, YOU AGREE THAT ANY DISPUTE 
WILL BE RESOLVED BY BINDING ARBITRATION. 
ARBITRATION REPLACES THE RIGHT TO GO TO 
COURT, INCLUDING THE RIGHT TO HAVE A JURY 
TRIAL, TO ENGAGE IN DISCOVERY (EXCEPT AS MAY 
BE PROVIDED FOR IN THE ARBITRATION RULES), 
AND TO PARTICIPATE AS A REPRESENTATIVE OR 
MEMBER OF ANY CLASS OF CLAIMANTS OR IN ANY 
CONSOLIDATED ARBITRATION PROCEEDING OR AS 
A PRIVATE ATTORNEY GENERAL. OTHER RIGHTS 
THAT YOU WOULD HAVE IF YOU WENT TO COURT 
MAY ALSO BE UNAVAILABLE IN ARBITRATION.
Prog_CardAgreement_8x11_1221.pdf--November 24, 2021--Page6of12  7Agreement to Arbitrate. You and we agree that any 
Dispute (defined below) will be resolved by Arbitration. 
This agreement to arbitrate is governed by the Federal 
Arbitration Act, 9 U.S.C. � 1 et seq., and the substantive 
law of the State of Georgia (without applying its choice- 
of-law rules).
What Arbitration Is. �Arbitration� is a means of having 
an independent third party resolve a Dispute. A �Dispute� 
is any claim or controversy of any kind between you and 
us. The term Dispute is to be given its broadest possible 
meaning and includes, without limitation, all claims or 
demands (whether past, present, or future, including 
events that occurred prior to the opening of this Account 
and whether or not a credit card is issued), based on 
any legal or equitable theory (contract, tort, or otherwise) 
and regardless of the type of relief sought (i.e., money, 
injunctive relief, or declaratory relief). A Dispute includes, 
by way of example and without limitation, any claim based 
upon a federal or state constitution, statute, ordinance, 
regulation, or common law, and any issue concerning 
the validity, enforceability, or scope of this arbitration 
agreement.
Opt-Out of Arbitration. You may opt-out or reject 
arbitration by sending a notice (�Rejection Notice�) 
that we receive within forty-five (45) Business Days 
after the Effective Date. Any Rejection Notice must be 
signed by you and must include your name, address, 
telephone number and last four digits of the Account 
number.
Where to Send Notice to Opt-out of Arbitration. You 
must mail the Rejection Notice by certified mail return 
receipt requested or send it by messenger service (such 
as Federal Express) to us at First Progress Card, PO 
Box 9053, Johnson City, TN 37615-9053.  In  the  event 
of any dispute concerning whether you have provided 
a Rejection Notice within the time permitted, you must 
provide a signed receipt confirming that you sent it to us 
in time. This is the only method you can use to reject this 
arbitration provision.
 
How Arbitration Works. I f a Dispute arises, the party 
asserting the claim or demand must initiate arbitration, 
provided you or we may first try to resolve the matter 
informally or through customary business methods, 
including collection activity. The party fling for arbitration 
must  choose  either  of  the  following  arbitration  firms 
for initiating and pursuing arbitration: the American 
Arbitration Association (�AAA�) or JAMS, The Resolution 
Experts (�JAMS�) (collectively �Administrators�). If the 
parties mutually agree, a private party, such as a retired 
judge, may serve as the arbitrator. If you claim you have a 
Dispute with us, but do not initiate for arbitration or select 
an arbitrator, we may do so. You may obtain copies of the 
current rules of each of the arbitration firms and forms and 
instructions for initiating for arbitration by contacting them 
as follows:American Arbitration Association 335 Madison
Avenue, Floor 10 New York, NY 10017-4605
Website: www.adr.org
JAMS 1920 Main Street Suite 300 Irvine, CA
92614 Website: www.jamsadr.com
The policies and procedures of the selected arbitration 
firm will apply provided such policies and procedures are 
consistent with this arbitration agreement. To the extent 
the arbitration firm�s rules or procedures are different than 
the terms of this arbitration agreement, the terms of this 
arbitration agreement will apply.
Waiver of Jury Trial and Class Action Waiver. Unless 
you opt-out of arbitration, which you have the right 
to  do  as  described  above,  you  are  waiving  your 
right to a jury trial, to have a court decide your 
Dispute, to participate in a class action lawsuit or 
class arbitration, and to certain discovery and other 
procedures that are available in a lawsuit. You and we 
agree that the arbitrator has no authority to conduct 
class-wide proceedings and is only authorized to 
resolve the individual Disputes between you and us. 
The validity, effect, and enforceability of this waiver 
of class action lawsuit and class-wide arbitration, if 
challenged, are to be determined solely by a court of 
competent jurisdiction and not by the AAA, JAMS, 
or  the  arbitrator.  If such court  refuses  to enforce 
the waiver of class-wide arbitration, the Dispute will 
proceed in court. The arbitrator has the ability to 
award all remedies available by statute, at law, or in 
equity to the prevailing party including but not limited 
to attorneys fees and costs.
Starting the Arbitration. Any party to a Dispute, including 
related third parties, may send the other party written 
notice by certified mail, return receipt requested, of their 
intent to arbitrate and setting forth the subject of the
dispute along with the relief requested, even if a lawsuit 
has been fled.
Selection of Arbitrator. Regardless of who demands 
arbitration, you shall have the right to select either the 
American Arbitration Association or JAMS. Their contact 
information is above. However, the parties may agree 
to select a local arbitrator who is an attorney, retired 
judge,  or  arbitrator  registered  and  in  good  standing 
with  an  arbitration  association  and  arbitrate  pursuant 
to such arbitrator�s rules. The party receiving notice 
of arbitration will respond in writing by certified mail, 
return receipt requested, within twenty (20) days. If you 
demand arbitration, you must inform us in your demand 
of the arbitration  organization  you  have  selected  or  
whether you desire to select a local arbitrator. If related 
third parties or we demand arbitration, you must notify us 
within twenty (20) days in writing by certified mail, return 
receipt requested, of your decision to select one of the 
Administrators or your desire to select a local arbitrator. If 
you fail to notify us, then we have the right to select one of 
the Administrators. In the event that both of the Arbitration 
organizations mentioned above will not appoint someone 
Prog_CardAgreement_8x11_1221.pdf--November 24, 2021--Page7of12  8to serve as an arbitrator for the Dispute because these 
organizations no longer administer the type of Dispute or 
otherwise, either party can petition a court of competent 
jurisdiction to have the court appoint the arbitrator.
What Rules Apply to the Arbitration. The arbitrator 
shall  apply  applicable  substantive  law  consistent  with 
the Federal Arbitration Act, 9 U.S.C. �� 1 et seq. (�FAA�), 
applicable statutes of limitation, and shall honor claims of 
privilege recognized at law. The parties to such Dispute 
will be governed by the rules and procedures of the 
Administrator selected applicable to consumer disputes 
to the extent those rules and procedures do not contradict 
the express terms of this Arbitration Provision, including 
the limitations on the arbitrator in this Arbitration Provision. 
You may obtain a copy of the rules and procedures by 
contacting the arbitration organization listed above
Other Arbitration Rules. In addition to the parties� rights 
to obtain discovery pursuant to the applicable arbitration 
rules, either you or us may submit a written request to 
the arbitrator to expand the scope of discovery normally 
allowed under the rules of the Administrator selected. 
The  arbitrator  shall  have  discretion  to  grant  or  deny 
such request. The arbitrator may decide, with or without 
a hearing, any motion that is substantially similar to a 
motion to dismiss for failure to state a claim or a motion 
for  summary  judgment.  In  conducting  the  arbitration, 
the arbitrator shall not apply any federal rules of civil 
procedure or evidence.
Payment of Arbitration Fees. If you demand arbitration, 
then at your request we will pay your portion of the 
expenses associated with the arbitration, including the 
fling,  administrative,  hearing  and  arbitrator�s  fees  but 
not attorneys� fees or costs (collectively the �Arbitration 
Fees�). If related third parties or we demand arbitration, 
then at your written request we will pay your portion of the
Arbitration Fees. Throughout the arbitration, each party 
shall bear his or her own attorneys� fees and expenses, 
such as witness and expert witness fees provided that 
we will pay your attorney�s fees and costs if the arbitrator 
determines that under the law we are required to pay 
them.
Location of Arbitration. The arbitration hearing will be 
conducted in the county of your residence, within 30 
miles from such county, or in such other place as shall be 
ordered by the arbitrator.
Survival. This arbitration provision shall survive:
(1) termination or changes to this Agreement, the Account, 
or the relationship between you and us concerning the 
Account;
(2) the bankruptcy of any party; and
(3) any transfer, sale, or assignment of your Account, or 
any amounts owed on your Account, to any other person 
or entity.Applicable Law and Review of Arbitrator�s Award.
The arbitrator shall apply applicable federal and Georgia 
substantive  law  and  the  terms  of  this  Agreement. 
The arbitrator must apply the terms of this arbitration 
agreement, including without limitation the waiver of 
class-wide arbitration. The arbitrator shall make written 
findings and the arbitrator�s award may be fled with 
any court  having  jurisdiction.  The  arbitration  award  
shall be supported by substantial evidence and must be 
consistent with this Agreement and with applicable law, 
and if it is not, it may be set aside by a court. The parties 
shall have, in addition to the grounds referred to in the 
Federal Arbitration Act (�FAA�) for vacating, modifying, 
or correcting an award, the right to judicial review of (a) 
whether the findings of fact rendered by the arbitrator are 
supported by substantial evidence, and (b) whether the 
conclusions of law are erroneous under the substantive 
law of the State of Georgia and applicable federal law. 
Judgment  confirming  an  award  in  such  a  proceeding 
may be entered only if a court determines that the award 
is supported by substantial evidence and is not based 
on legal error under the substantive law of the State of 
Georgia and applicable federal law.
19. Law that Applies to this Agreement. This Agreement 
is entered into between you and us in Georgia, and our 
decisions regarding the extension of credit to you are 
made in Georgia. Federal and Georgia law (other than its 
internal conflict of laws rules) will apply to any controversy, 
claim, or Dispute arising from or relating in any way to 
the subject matter of this Agreement and your Account, 
including, without limitation, statutory, equitable, and tort 
claims.
20. Binding Effect. This Agreement is binding upon and 
enforceable against your heirs, legal representatives, and 
successors.
21. Severability. If any provision of this Agreement, 
including any portion of the arbitration agreement set
forth above in Section 17, is determined to be invalid or 
unenforceable under any rule, law, or regulation, including 
the Military Lending Act, the validity or enforceability 
of any other provision of this Agreement shall not be 
affected, and in lieu of such invalid or unenforceable 
provision there shall be added automatically,  as  part  of  
this  Agreement,  a  provision as similar in terms as may 
be valid and enforceable, if possible. Notwithstanding 
the foregoing, if a class action litigation or a class-wide 
arbitration is permitted for any reason, either party may 
require that the entire Dispute, as defined in Section 17 
above, be heard by a judge, sitting without a jury, under 
applicable court rules and procedures.
22. Foreign Currency Conversion Rate.  If you effect a 
transaction at a merchant that settles in a currency other 
than U.S. dollars, MasterCard will convert the charge into 
a U.S. dollar amount. MasterCard�s currency conversion 
procedure includes use of either a government-mandated 
exchange rate, or a wholesale exchange rate selected by 
MasterCard, and the government-mandated exchange 
Prog_CardAgreement_8x11_1221.pdf--November 24, 2021--Page8of12  9rate or wholesale exchange rate MasterCard uses for a 
particular transaction is the rate MasterCard selects for 
the applicable currency on the day the transaction is 
processed, which may differ from that applicable to the 
date the transaction occurred or when it is posted to the 
cardholder�s Account.
23. Credit Reporting Information. Because you have 
requested a Card, we are entitled under applicable law, 
including the Fair Credit ReportingAct, to obtain information 
about you from a credit reporting agency. We may also 
verify your credit references and other information that 
you provide to us. We may obtain updated or additional 
information about you, including consumer reports, from 
time to time for any legitimate purpose including, but not 
limited to, the extension of credit to you or the review 
or collection of your Account. We will report information 
about your account to credit bureaus. Late payments, 
missed payments, or other defaults in your account may 
be reflected in your credit report. If you believe that our 
report is inaccurate or incomplete, please write us at the 
following address: First Progress Card, P.O. Box 9053, 
Johnson City, TN 37615-9053.
24. Call Monitoring/Recording. You authorize us and 
any third party servicing your Account to listen to and 
record telephone calls between you and us and telephone 
calls between you and any third party service provider, in 
order to evaluate the quality of service or for any other 
lawful purpose.
    
25. Servicing Account. You authorize us or any of our 
agents to contact you at any of the telephone numbers you 
have listed on your credit application or any other number 
you provide to us, including a ported landline, regarding 
payments due or other information about your Account. 
You authorize us to leave a message with a person or on 
a voice mail service that answers the numbers you have 
provided to us. You also authorize us to send U.S. postal 
mail or email to the addresses you provide to us on your
credit application or otherwise. We can also contact other 
persons you have listed on your credit application to find 
out information about you and how to contact you in the 
event we are unsuccessful in contacting you as described 
above. If you have agreed to accept text messages from 
us on your mobile, cellular telephone or similar devices, 
we can contact you using text messages. You authorize 
us to call using an automated telephone dialing system 
and/or prerecorded messages. You also authorize us to 
send you emails to any address where we can reasonably 
believe we can contact you. You may be charged by your 
wireless provider to receive text messages.
26. Other  Services.  You  understand  that  from  
time to time we may partner with third parties to offer 
you additional features, services and enhancements, 
including, but not limited to, credit protection, credit life, 
disability or unemployment insurance, common carrier 
travel insurance, credit card registration for lost or stolen 
credit cards, emergency cash service, address change 
service, and other travel related services. You understand that we are not liable for these features, services, and 
enhancements, and they are the sole responsibility of 
the third parties. You agree to hold us harmless from 
any claims, actions, or damages resulting from your use 
of any of these features, enhancements, or services, 
when permitted by applicable law. If you elect any of the 
foregoing, you authorize us to charge the premium or fee 
to the Account as a Purchase.
27. Sale/Assignment/Transfer. We may sell, assign, or 
transfer all or any portion of your Account or any balances 
due under your Account without prior notice to you. You 
may not sell, assign, or transfer your Card or your Account 
or any of your obligations under this Agreement.
28. Entire Agreement. This Agreement, including the 
accompanying Summary of Terms, together with your 
Application, constitutes the final and complete expression 
of the credit agreement between you and us relating to your 
Account and supersedes and may not be contradicted by 
evidence of any prior, contemporaneous, or subsequent 
oral credit agreement between you and us relating to your 
Account.
29. USA Patriot Act. To help the government fight the 
funding of terrorism and money laundering activity, 
Federal law requires all financial institutions to obtain, 
verify and record information that identifies each person 
who opens an Account.
What this means to you: When you open an Account 
we will ask you for your name, address, social security 
number, date of birth and other information that will allow 
us to identify you.
30. How to Contact Us. F or general inquiries we can 
be reached in writing at: First Progress Card, PO Box 
9053, Johnson City, TN 37615-9053.  Or,  you  can  call 
our Customer Service Department at 1-866-706-5543. 
Payments should be mailed to the address listed on your
Billing Statement.
Your Billing Rights: Keep this Document for Future
Use
This notice tells you about your rights and our 
responsibilities under the Fair Credit Billing Act.
What To Do If You Find a Mistake on Your Statement
If you think there is an error on your statement, write to 
us at:
Synovus Bank
P.O. Box 9053, Johnson City, TN 37615-9053
In your letter, give us the following information:
�  Account information: Your name and the last four digits 
of the account number.
� Dollar amount: The dollar amount of the suspected error.
�  Description of problem: If you think there is an error on 
your bill, describe what you believe is wrong and why you 
believe it is a mistake.
Prog_CardAgreement_8x11_1221.pdf--November 24, 2021--Page9of12  10You must contact us:
� Within 60 days after the error appeared on your 
statement.
�  At least 3 business days before an automated payment 
is scheduled, if you want to stop payment on the amount 
you think is wrong.
You must notify us of any potential errors in writing. You 
may call us, but if you do we are not required to investigate 
any potential errors and you may have to pay the amount 
in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1.     Within 30 days of receiving your letter, we must tell 
you that we received your letter. We will also tell you if we 
have already corrected the error.
2.     Within 90 days of receiving your letter, we must either 
correct the error or explain to you why we believe the bill 
is correct.
While we investigate whether or not there has been an
error:
� We cannot try to collect the amount in question, or report 
you as delinquent on that amount.
� The charge in question may remain on your statement, 
and we may continue to charge you interest on that 
amount.
� While you do not have to pay the amount in question, 
you are responsible for the remainder of your balance.
� We can apply any unpaid amount against your credit 
limit.
After we finish our investigation, one of two things will
happen:
�   If we made a mistake: You will not have to pay the
amount in question or any interest or other fees related to 
that amount.
�   If we do not believe there was a mistake: You will have to 
pay the amount in question, along with applicable interest 
and fees. We will send you a statement of the amount you 
owe and the date payment is due. We may then report 
you as delinquent if you do not pay the amount we think 
you owe.
If you receive our explanation but still believe your bill 
is wrong, you must write to us within 10 days telling 
us that you still refuse to pay. If you do so, we cannot 
report you as delinquent without also reporting that you 
are questioning your bill. We must tell you the name of 
anyone to whom we reported you as delinquent, and we 
must let those organizations know when the matter has 
been settled between us.
If we do not follow all of the rules above, you do not have 
to pay the first $50 of the amount you question even if 
your bill is correct.Your Rights If You Are Dissatisfied With Your Credit
Card Purchases
If you are dissatisfied with the goods or services that you 
have purchased with your credit card, and you have tried 
in good faith to correct the problem with the merchant, 
you may have the right not to pay the remaining amount 
due on the purchase.
To use this right, all of the following must be true:
1.  The  purchase  must  have  been  made  in  your home 
state or within 100 miles of your current mailing address, 
and the purchase price must have been more than $50. 
(Note: Neither of these are necessary if your purchase 
was based on an advertisement we mailed to you, or if 
we own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. 
Purchases made with cash advances from an ATM or with 
a check that accesses your credit card account do not 
qualify.
3.  You must not yet have fully paid for the purchase. If  all  
of  the  criteria  above  are  met  and  you  are  still
dissatisfied with the purchase, contact us in writing at:
Synovus Bank
PO Box 9053, Johnson City, TN 37615-9053
While we investigate, the same rules apply to the 
disputed amount as discussed above. After we finish our 
investigation, we will tell you our decision. At that point, if 
we think you owe an amount and you do not pay, we may 
report you as delinquent.
STATE NOTICES
SERVICE  CHARGES  NOT  IN  EXCESS  OF  THOSE
PERMITTED BY LAW WILL BE CHARGED ON YOUR 
OUTSTANDING BALANCE FOR EACH BILLING CYCLE.
YOU MUST MAINTAIN A DEPOSIT ACCOUNT AS 
SECURITY FOR THIS CREDIT CARD ACCOUNT, AND 
SHALL GRANT US A SECURITY INTEREST IN THIS 
DEPOSIT ACCOUNT.
CALIFORNIA RESIDENTS: A married applicant may 
apply for a separate account.
CALIFORNIA  AND  NEVADA  RESIDENTS:  Pursuant 
to this Agreement, interest is compounded on unpaid 
amounts.
MARYLAND RESIDENTS: Finance Charges will be 
imposed in amounts or at rates not in excess of those 
permitted by law. You have the right under Section 12-510 
of the Commercial Law Code to receive an answer to a 
written inquiry concerning the status of your account.
NEW JERSEY RESIDENTS: Because certain provisions 
of this Agreement are subject to applicable law, they 
may be void, unenforceable or inapplicable in some 
jurisdictions. None of these provisions, except for clause 
(g) of Section 11, however, is void , unenforceable or 
inapplicable in New Jersey.
Prog_CardAgreement_8x11_1221.pdf--November 24, 2021--Page10of12  11OHIO RESIDENTS: The Ohio laws against discrimination 
require that all creditors make credit equally available 
to all credit worthy customers, and that credit reporting 
agencies maintain separate histories on each individual 
upon request. The Ohio civil rights commission administers 
compliance with this law.
NOTICE TO THE BUYER
1. DO NOT SIGN THIS CREDIT AGREEMENT BEFORE 
YOU READ IT OR IF IT CONTAINS ANY BLANK 
SPACES.
2.  YOU  ARE   ENTITLED  TO  A  COMPLETELY FILLED 
IN COPY OF THIS CREDIT AGREEMENT.
3.  YOU MAY AT ANY TIME PAY MORE THAN THE 
MINIMUM PAYMENT, OR YOUR ENTIRE BALANCE 
IN FULL WITHOUT INCURRING ANY ADDITIONAL 
CHARGE FOR PREPAYMENT.
NEW YORK RESIDENTS: RETAIL INSTALMENT 
CREDIT AGREEMENT CARDHOLDER:  Your signature 
(including any electronic  or digital signature)  on any 
Application  or on any sales slip or other evidence  
of indebtedness on your Account or any action that 
you may take to begin a transaction represents your 
signature on this Agreement. 
DEPOSIT AGREEMENT
The Terms and Conditions and Truth in Savings Disclosure 
which follow below contain the rules which control your 
�Deposit� in the �Deposit Account�, as those terms are 
defined in the MasterCard�  First Progress Cardholder 
Agreement (�Cardholder Agreement�) applicable to your 
First Progress secured credit card account (the �Secured 
Credit Card Account�), and together with any other 
documents we give you pertaining to your Deposit, are 
a contract that governs your Deposit with us (�Deposit 
Agreement�). Please read this carefully. If you sign the 
Deposit Agreement or open or continue to have your 
Deposit or Secured Credit Card Account with us, you 
agree to these rules. If you have any questions, please 
call us.
TERMS AND CONDITIONS
Unless it would be inconsistent to do so, words and 
phrases used in this Deposit Agreement should be 
construed so that the singular includes the plural and the 
plural includes the singular. In this Deposit Agreement 
�we�, �us� and �our� refer to Synovus Bank, Columbus, 
Georgia.
Your Deposit will be held in a comingled Deposit Account 
with us that is FDIC insured to the extent permitted by law. 
These terms and conditions that apply to your Deposit 
and the Deposit Account are in addition to the terms and 
conditions set forth in your Cardholder Agreement.
This Deposit Agreement is subject to applicable federal 
laws and the laws of the State of Georgia (except to the 
extent that this Deposit Agreement can and does vary 
such rules or laws). If any provision of this document is 
found to be unenforceable according to its terms, all 
remaining provisions will continue in full force and effect.INTEREST ON DEPOSIT � Interest will not be paid on 
your Deposit.
DEPOSITS � We will give only provisional credit until 
collection is final for any items, other than cash, we accept 
for deposit (including items drawn �on us�). Deposits must 
be from a U.S. funding source payable in U.S. Dollars. 
We are not responsible for transactions by mail or outside 
depository until we actually record them. We will treat 
and record all transactions received after our �daily cutoff 
time� on a Business Day we are open, or received on a 
day we are not open for business, as if initiated on the 
next following Business Day that we are open.
WITHDRAWALS � You may not withdraw or transfer funds 
from the Deposit Account other than by our refund to you 
of any amounts of your Deposit remaining in the Deposit 
Account after your Secured Credit Card Account is closed 
and all amounts you owe on that Account or otherwise 
owe under the Cardholder Agreement are paid in full and 
the time period restrictions provided for in the �Security 
Interest�  section  of  the  Cardholder  Agreement  have 
been satisfied. You are not permitted to initiate electronic
transfers to or from the Deposit Account. Each obligor (if 
there are more than one) (until we receive written notice 
to the contrary) authorizes each other obligor signing 
the Cardholder Agreement to endorse any item payable 
to an obligor or obligor�s order for deposit to the Deposit 
Account or any other transaction with us.
AMENDMENTS AND TERMINATION � We may change 
any term of this Deposit Agreement at any time by giving 
you reasonable notice in writing or by any other method 
permitted by law. We may also return your Deposit at any 
time upon reasonable notice to you and tender of the 
Deposit balance personally or by mail. Notice from us to 
any one of you is notice to all of you.
STATEMENTS � We will not send you statements for the
Deposit in the Deposit Account.
ACCOUNT TRANSFER � This account may not be 
transferred without our prior written consent.
TRUTH IN SAVINGS DISCLOSURE 
Minimum Balance Requirements
To open the account. You must deposit at least $200.00 
to open this account.
Prog_CardAgreement_8x11_1221.pdf--November 24, 2021--Page11of12  12Transaction Limitations
After your initial deposit, subsequent deposits into your 
Deposit Account may be made only (i) with our express 
approval and (ii) by paper check mailed to us at the 
address we specify at the time of approval. A deposit 
will not be reflected in your Deposit Account until we 
are assured that the deposit has not been dishonored. 
This payment hold may take up to ten (10) days. You 
may not withdraw or transfer funds from the Deposit 
Account other than by our refund to you of any amounts 
of your Deposit remaining in the Deposit Account, after 
your Secured Credit Card Account is closed and all 
amounts you owe on that Account or otherwise owe 
under the Cardholder Agreement are paid in full and 
the time period restrictions provided for in the �Security 
Interest� section of the Cardholder Agreement have 
been satisfied. You are not permitted to initiate electronic 
transfers to or from the Deposit Account.
Prog_CardAgreement_8x11_1221.pdf--November 24, 2021--Page12of12