CONSUMER CREDIT CARDHOLDER AGREEMENT 

This Agreement governs the use of your Visa® Card Account and contains both your and our 
respective responsibilities. Please read it in its entirety and keep it for your reference. The 
accompanying Summary of Terms is incorporated into and made a part of this Agreement. In 
addition, the application, acceptance certificate or other request you signed or submitted for this 
Account (the “Application”), our Card and the Card Carrier that we send with your Card, and 
your signature (including any electronic or digital signature) on any Application, sales slip or 
other evidence of indebtedness on your Account, are incorporated into and made a part of this 
Agreement. This Agreement begins on the earlier of (i) the date you sign or submit an 
Application that we approve or (ii) the first date that we extend credit to you on your Account, as 
evidenced by a signed sales slip or memorandum, a Cash Advance transaction, a Balance 
Transfer transaction, or otherwise. A Balance Transfer you request on your Application 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 the account opening disclosures. Until we have sent the 
Balance Transfer request to your designated payee, you may cancel or modify your Balance 
Transfer request by calling the number on the back of your Card. 

DEFINITIONS 
The definitions listed below will apply throughout this Agreement and in your monthly statement. 
In addition, the words you, your, and yours refer to the Cardholder(s) who holds the Card and is 
responsible for the Account. The words we, us, and our refer to Synovus Bank, Columbus, 
Georgia. 
Account: The credit card account for which you were issued a Card imprinted with your Account 
number that is subject to all terms and conditions of this Agreement. 
Annual Percentage Rate: A measure of the cost of credit, expressed as a yearly rate. 

ATM: Automated Teller Machine. 

Authorized User: The person(s) authorized by a Cardholder to obtain credit under an Account, 
whether named in an application as an Authorized User or otherwise. 

Average Daily Balance: A balance amount for a particularly type of Account transaction, as 
calculated in accordance with the provisions of this Agreement. 

Balance Transfer: A transaction in which, pursuant to your request, we issue a check on your 
behalf directly to another financial institution to transfer to your Account all or a portion of an 
outstanding balance you owe. Your use of a Convenience Check or your Card, or any Cash 
Advance obtained by such use, to pay all or a portion of such an outstanding balance is not a 
Balance Transfer for the purposes of this Agreement. A Balance Transfer is not a Cash 
Advance. 

Billing Cycle: The time interval covered by a monthly statement. Each Billing Cycle is 
approximately 30 days in length. 

Card: Any Visa credit card issued by us which you may use to obtain cash, make Purchases, or 
lease goods or services on credit. Use of your Account number to obtain credit will be 
considered a use of the Card. 

Card Carrier:  The mailed carrier that contains your Card. 

Cardholder: The Person to whom a Card is issued, or who has agreed to pay obligations arising 
from a Card issued to another Person. 

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Cash Advance: Credit extended in the form of a cash loan through any financial institution 
honoring the Card. The Card may be presented directly or through any other credit instrument, 
check, device, overdraft coverage plan or ATM that we make available to you. 

Closing Date: The date of the last day of a Billing Cycle. 

Convenience Check or Check: Any check we make available to you for the purpose of drawing 
against your Account. 

Credit Line: The maximum amount of credit available to you on your Account. 

Finance Charge: A fee or charge representing the cost of borrowing on your Account. 

Interest Charge: A Finance Charge attributable to the application of a periodic interest rate. 

Margin: The amount added to the Prime Rate in the calculation of a variable Monthly Periodic 
Rate. “Prime Rate” is defined below in this Agreement under “Regular Monthly Periodic Rates.” 

New Balance: The total outstanding Account balance on the Closing Date specified in your 
monthly statement. 

Overdraft Protection Transaction or Overdraft Advance: If applicable to your Account, a Special 
Advance we make to cover overdrafts on a designated deposit account maintained with us or 
with a financial institution that is our affiliate or subsidiary. Although they are Cash Advances, 
Overdraft Protection Transactions are included in a separate Average Daily Balance of 
Overdraft Advances, to which we apply the same Introductory or Regular Monthly Periodic Rate 
and corresponding Annual Percentage Rate as we apply to your Balance Transfers. 

Previous Balance: The balance of your Account at the beginning of a Billing Cycle. This will be 
the same as the “New Balance” shown on your previous bill. 

Promotional Check: Special Convenience Checks we may offer you from time to time to obtain 
Special Advances which, although they are Cash Advances, are offered at a special reduced 
Monthly Periodic Rate and corresponding Annual Percentage Rate applicable for a period of 
time specified in the promotional check offer. 

Purchase: Any extension of credit to your Account for the purpose of purchasing or leasing 
goods or services from participating establishments. 

Other Charges: Charges to your Account other than Finance Charges. 

Periodic Rate: The percentage rate of Interest Charge imposed against a balance for a period. 
In this Agreement, a “Monthly” Periodic Rate is used. 

Transaction Fee: A fee charged in connection with a Transaction. 

Unauthorized Use: The use of a Card by a person, other than the Cardholder, who does not 
have actual, implied or apparent authority for such use, and from which the Cardholder received 
no benefit. 

USING YOUR CREDIT CARD 
Purchases, Cash Advances or Balance Transfers You may use your Card or Convenience 
Checks to purchase or lease goods or services from participating establishments. You also may 
use your Card to obtain Cash Advances from your Account at an ATM, or by presenting the 
Card to us, or to any institution that accepts the Card for that purpose. To protect you, we 
restrict Cash Advances using this Card to $1000 per ATM transaction and $1500 per over-the-
counter transaction. In addition, only three Cash Advance transactions may be made per day, 
and the total outstanding Cash Advance balance on your Account at any given time may not 

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exceed 50% of your total Credit Line. You also may use your Card to obtain Balance Transfers. 
We may limit the use of the Account at our discretion. Such limitations include, but are not 
limited to, Internet-related gambling transactions. Your Account/Card will be restricted from 
online betting activity, which includes, but is not limited to, lottery tickets, casino gambling chips, 
off-track betting, and wagers at racetracks. You may only use up to half (50%) of the total 
amount of your credit limit for cash advances and/or Overdraft Protection. 

You will owe us for these amounts, plus any applicable Finance Charges and other applicable 
charges or fees, payable in U.S. dollars. 

Your Credit Line 
You may not use your Account in any way that would exceed your Credit Line. We may refuse 
to authorize or accept any transaction on your Account that would cause you to exceed your 
Credit Line. If your Account is delinquent, we may refuse to authorize or accept any transaction 
on your Account. We may temporarily agree to allow you to exceed your Credit Line; however, 
in that case you must repay the excess amount according to the terms of this Agreement. We 
may change your Credit Line at any time and will notify you accordingly. 

Balance Transfer Checks 
You agree that any check we issue on your behalf to another financial institution for the purpose 
of effecting a Balance Transfer at your request (“Balance Transfer Check”) will not be returned 
to you. We are entitled to return a Balance Transfer Check unpaid if there is not enough 
available credit in your Account, if your Account is in default, or if we have terminated your right 
to obtain further credit under your Account. If we honor the Balance Transfer Check under these 
circumstances, the amount in excess of your Credit Line will be due immediately. We may pay 
Balance Transfer Checks dated more than six months prior to the date they are presented for 
payment. We will not certify a Balance Transfer Check. 

Convenience Checks 
We may supply you with Convenience Checks that are subject to the following conditions. 
Payment of a Check will be treated as a Cash Advance on your Account. Your Check must be 
written in U.S. dollars. Only the person whose name appears on the Check may sign it. A 
Promotional Check used after the date specified in the promotional check offer as the date by 
which it must be used to obtain the special promotional offer, is not treated as a Promotional 
Check but instead is treated as a regular Convenience Check and a transaction resulting from 
its use as a regular Cash Advance. We are authorized to pay any Check drawn on your Account 
even if the signature does not correspond exactly to the signature on our records. You agree 
that Convenience Checks written on your Account will not be returned to you. We are entitled to 
return your Check unpaid if there is not enough available credit in your Account, if your Account 
is in default, or if we have terminated your right to obtain further credit under your Account. If we 
honor the Check under these circumstances, the amount in excess of your Credit Line will be 
due immediately. You may not use a Convenience Check to make payments on your Account. 
We may pay Checks dated more than six months prior to the date they are presented for 
payment. You may not write a postdated Check, but we may pay a Check regardless of a post-
date. We will not certify a Convenience Check. 

Authorized Users 
You may designate Authorized Users of the Account and may request Cards for those 
Authorized Users. You may set a maximum amount of credit (in an amount less than the Credit 
Line) for an Authorized User; provided that the maximum amount of credit you set for each 
Authorized User may not, in the aggregate, exceed the Credit Line. In addition, the aggregate 

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outstanding balance for the Account may not exceed the Credit Line, without regard to any 
maximum amount of credit established for each Authorized User. You are responsible for the 
use of the Account by any Authorized User. You may request to have an Authorized User 
removed from your Account and we will use reasonable efforts to do so upon your request. 
However, you are responsible for collecting and destroying any Cards that the Authorized User 
has in their possession. Your request to remove an Authorized User will not relieve you of 
responsibility for the charges the authorized user has made on your Account. 

Authorized Users are permitted to use the card issued to them under the Account, make 
payments on the Account, report their Card as lost/stolen, confirm a fraudulent Transaction on 
their Card, and initiate a dispute on the Account for transactions posted on their Card. 
Additionally, each Authorized User may: obtain basic card Account information (including 
information such as Account balance for their Card, 
Payment Due Date, etc.). Under no circumstances will an Authorized User will not be permitted 
to: discuss your credit information; close or reopen the Account; obtain assistance in 
registering/accessing our website; or request the following: name changes; Credit Line changes; 
replacement Cards; the addition of Authorized Users; or removal of a cardholder (except that an 
Authorized User will be permitted to remove themselves as an Authorized User on the Account). 

MAKING PAYMENTS__________________________________________________________ 

Monthly Statements; Annual Summary Statement 
We will send a statement at the end of each monthly Billing Cycle if there is a debit or credit 
balance on your account of $1 or more, a balance on which a Finance Charge has been 
imposed or as otherwise required by applicable law. You agree to pay us, or any party to whom 
we may transfer and assign your Account, in U.S. dollars according to all terms and conditions 
of this Agreement. 

In addition to a monthly statement, you may be able to request an optional annual summary 
statement of your Account, which will be provided at the fees specified in this Agreement. 

Minimum Payment 
The Minimum Payment is the greater of (i) the dollar amount shown in the accompanying 
Summary of Terms, or (ii) the total, rounded up to the next dollar, of (A) the specified 
percentage (shown in the accompanying Summary of Terms) of your New Balance, plus (B) 
Transaction Fees, (e.g. Transaction Fees imposed for Cash Advances (including any 
Promotional Check or Overdraft Protection Transactions), Foreign Transactions, and where 
applicable, Balance Transfers) plus (C) any Penalty fees (e.g. Late Payment Fees and Returned 
Payment Fees.) If your New Balance is less than the dollar amount shown in the accompanying 
Summary of Terms, the Minimum Payment is your entire New Balance. If you elect not to pay 
your New Balance in full, you must pay at least the Minimum Payment so that it is credited to 
your Account by the “Payment Due Date” shown on your statement, which is at least 25 days 
after the Closing Date of the Billing Cycle. Your Minimum Payment will also include any past 
due amount and any amount by which the New Balance exceeds your Credit Line, whichever of 
these two is greater. 

Application of Payments 
We reserve the right to apply payments to your Account in any manner we choose at our sole 
discretion, in accordance with applicable law. To comply with federal law, when applicable we (i) 
apply portions of payments in excess of the Minimum Payment to balances with the highest 
Annual Percentage Rates first, using a method permitted by those rules, and (ii) apply portions 

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of on-time partial payments as of the start of the Billing Cycle to purchases still subject to a 
grace period at the end of the previous Billing Cycle, determined in accordance with applicable 
law. 

Security Interest 
If we now, or in the future, hold any title, pledge or security interest in any of your property other 
than a residence, it may be that the terms of the instrument creating such title, pledge or 
security interest will also secure your obligations on this Account.  

Crediting of Payments 
Payments will be credited as of the date received, if (1) the payment is received by 5 p.m. local 
time at the remittance address shown on your statement, (2) is made in person at any Synovus 
Bank prior to its close of business, (3) is received by 5 p.m. Eastern Time by online payment at 
our website listed on your statement, or (4) is received by 5 p.m. Eastern Time by telephone 
payment at our customer service telephone number listed on your statement. Payments 
received after 5 p.m. local time on any day at the remittance address shown on your statement, 
or received after 5 p.m. Eastern Time on any day by such online payment, or by such telephone 
payment, will be credited as of the next day. Any other payments may be subject to a delay in 
crediting of up to 5 days after the date of receipt. If we fail to credit payments in accordance with 
these provisions, your Account will not be subject to finance or other charges attributable to our 
failure to credit payments as these provisions require. If any such finance or other charges are 
imposed, we will adjust your account so that the charges imposed are credited to your account 
during the next Billing Cycle. 

HOW INTEREST CHARGES AND OTHER FINANCE CHARGES ARE DETERMINED______ 

Your Finance Charge for any Billing Cycle will include the following components, the total of 
which constitutes your total Finance Charge for the Billing Cycle: 
(1) a Cash Advance Transaction Fee Finance Charge, imposed (i) on each Cash Advance 
transaction posted during a Billing Cycle, in an amount determined as provided in the 
accompanying Summary of Terms, and (ii) on each Promotional Check Transaction posted 
during a Billing Cycle, in an amount determined as provided in the accompanying Summary of 
Terms, unless a different amount is specified in the disclosures accompanying the Promotional 
Check offer, and (iii) on each Overdraft Protection transaction (if applicable to your Account), in 
an amount determined as provided in the accompanying Summary of Terms; and  
(2) Interest Charge amounts computed by applying the applicable Monthly Periodic Rate or 
Rates, determined as provided below under “Computing the Monthly Periodic  Rates and 
corresponding Annual Percentage Rate”, to (i) your Average Daily Balance of Cash Advances 
(including new Cash Advances), and (ii) your Average Daily Balance of Purchases (including 
new Purchases), and (iii) your Average Daily Balance of Balance Transfers (including new 
Balance Transfers), and (iv) each Average Daily Balance of Special Advances (including new 
Special Advances) and your Average Daily Balance of Overdraft Advances (including new 
Overdraft Advances); and 
(3) a Balance Transfer Transaction Fee Finance Charge (if applicable to your Account), 
imposed on each Balance Transfer posted during a Billing Cycle, in an amount determined as 
provided in the accompanying Summary of Terms. In addition, there will be added a Foreign 
Transaction Fee Finance Charge of 3% of the total amount for all international and cross U.S. 
borders transactions (including transactions made in U.S. Dollars) posted during a Billing Cycle, 
except for our Synovus Travel Rewards Visa Credit Card does not pay this fee. Finance 
Charges, when calculated, will be rounded up to the next cent. 

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Paying Interest 
When Interest Charges Begin to Accrue: Interest Charges on Purchases will be imposed at the 
applicable Monthly Periodic Rates from the date each Purchase is made and will continue to 
accrue on unpaid balances as long as they remain unpaid subject to any time period within 
which to pay to avoid paying interest on Purchases. No Interest Charge on Purchases will be 
imposed for any Billing Cycle in which the 
Previous Balance is zero or a credit balance, or is paid in full by the Payment Due Date shown 
on the statement for the previous Billing Cycle. Interest Charges on Cash Advances, Special 
Advances (consisting of Overdraft Protection transactions, or Promotional Check transactions) 
and Balance Transfers, will be imposed at the applicable Monthly Periodic Rates from the date 
each Cash Advance, Overdraft Protection transaction, Promotional Check transaction or 
Balance Transfer is made and will continue to accrue on unpaid balances as long as it remains 
unpaid. There is no time period within which to pay to avoid Interest Charges on Cash 
Advances, Overdraft Protection transactions, Promotional Check transactions or Balance 
Transfers. 

How to Avoid Paying Interest on Purchases: Your due date will be 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 due date each month. Calculating the Balance Subject to Interest 
Rate 

Average Daily Balance of Cash Advances (including new Cash Advances): 
To calculate the Average Daily Balance of Cash Advances, we take the beginning Cash 
Advance balance of your Account each day, including unpaid Interest Charges on Cash 
Advances (which balance may also include unpaid Transaction Fees of the kinds mentioned 
below and unpaid Interest Charges thereon), add any new Cash Advances as of the date of 
transaction, add the Cash Advance Transaction Fee on any Cash Advances, Overdraft 
Protection transactions and Promotional Check transactions, and the Balance Transfer 
Transaction Fee (if applicable to your Account) on any Balance Transfers, as of the date of 
posting of each Cash Advance, Overdraft Protection transaction, Promotional Check transaction 
or Balance Transfer, and subtract the applicable portion of any payments and credits as of the 
date of posting. This gives us the daily balance for Cash Advances. Then we add all these daily 
balances for the 
Billing Cycle together and divide the total by the number of days in the Billing Cycle. This gives 
us the Average Daily Balance of Cash Advances. 

Average Daily Balance of Purchases (including new Purchases): The balance calculation 
method for Purchases is the Average Daily Balance (including new Purchases). To calculate the 
Average Daily Balance of Purchases, we take the beginning Purchase balance of your Account 
each day, including any unpaid Interest Charges on Purchases, add any new Purchases as of 
the date of transaction, and subtract the applicable portion of any payments and credits as of 
the date of posting. (However, we subtract the applicable portion of any payments you paid by 
the due date during the Billing Cycle, as of the first day of the Billing Cycle.) This gives us the 
daily balance for Purchases. Then we add all these daily balances for the Billing Cycle together 
and divide the total by the number of days in the Billing Cycle. This gives us the Average Daily 
Balance of Purchases. 

Average Daily Balance of Balance Transfers (including new Balance 
Transfers): To calculate the Average Daily Balance of Balance transfers, we take the beginning 
Balance Transfer balance of your Account each day, including unpaid Interest Charges on 
Balance Transfers, add any new Balance Transfers as of the date of transaction, and subtract 

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the applicable portion of any payments and credits as of the date of posting. This gives us the 
daily balance for Balance Transfers. Then we add all these daily balances for the Billing Cycle 
together and divide the total by the number of days in the Billing Cycle. This gives us the 
Average Daily Balance of Balance Transfers. 

Average Daily Balance of Special Advances (including new Special Advances): 
Promotional Checks: If you use a Promotional Check we offer you then while the special 
reduced Monthly Periodic Rate is in effect it will be applied to an Average Daily Balance of 
Special Advances (including new Special Advances), computed for your Promotional Check 
balances in the same manner as the Average Daily Balance of Cash Advances (described 
above); provided that the Cash Advance Transaction Fee for Promotional Check transactions is 
included in your Average Daily Balance of Cash Advances rather than in your Average Daily 
Balance of Special Advances. When the special reduced Monthly Periodic Rate is no longer in 
effect, we will continue to include such balances, including any unpaid Interest Charges thereon, 
in an Average Daily Balance of Special Advances, computed in the same manner specified 
above. 

Average Daily Balance of Overdraft Advances (including new Overdraft Advances): 
Overdraft Protection transactions will be included from the date posted to your Account, in an 
Average Daily Balance of Overdraft Advances (including new Overdraft Advances), computed in 
the same manner as the Average Daily Balance of Cash Advances (described above) provided 
that the Cash Advance Transaction Fee for Overdraft Protection transactions is included in the 
Average Daily Balance of Cash Advances rather than in the Average Daily Balance of Overdraft 
Advances. We will apply to your Average Daily Balance of Overdraft Advances the same 
Introductory or Regular Monthly Periodic Rate as we apply to your Balance Transfers. 

Computing the Monthly Periodic Rates and corresponding ANNUAL PERCENTAGE RATE 
(APR) 
Special or Introductory Monthly Periodic Rates: Any special or introductory Monthly Periodic 
Rate and corresponding Annual Percentage Rate, the type of average daily balances to which it 
applies if it does not apply to all your average daily balances, and the period for which it is 
applicable, are shown on the accompanying Summary of Terms and/or Card Carrier or, in the 
case of Promotional Check or other special offers we may make in the future, will be specified in 
the disclosures accompanying the special offer. For any rates specified in the accompanying 
Summary of Terms or Card Carrier as “Introductory” for a specified period, those Introductory 
rates will expire no less than the specified period after the opening of your Account. Except 
during periods and with respect to balances for which any special or introductory Monthly 
Periodic Rate is applicable, each Monthly Periodic Rate and corresponding Annual Percentage 
Rate applicable to your Account will be determined as described below under “Regular Monthly 
Periodic Rates”. 

Regular Monthly Periodic Rates: One or more Regular Monthly Periodic Rates and 
corresponding Annual Percentage Rates apply to your Account, as shown in the accompanying 
Summary of Terms and/or Card Carrier or, in the case of Promotional Check or other special 
offers we may make in the future, as specified in the disclosures accompanying the special 
offer. (For example, the Monthly Periodic Rate and corresponding Annual Percentage Rate 
applicable to Purchases and Balance Transfers may be different from the Monthly Periodic Rate 
and corresponding Annual Percentage Rate applicable to Cash Advances.) The rates apply to 
your Account as follows: 

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Purchases and Balance Transfers and Special Advances: The Regular Monthly Periodic 
Rate and corresponding Annual Percentage Rate applicable to your Average Daily Balance of 
Purchases and your Average Daily Balance of Balance Transfers and your Average Daily 
Balance of Overdraft Advances and each Average Daily Balance of Special Advances (for any 
Promotional Check balances which, in the Promotional Check offer, we specify will have the 
same Regular Annual Percentage Rate as Balance Transfers following the promotional period) 
is specified in the accompanying Summary of Terms or Card Carrier and, unless otherwise 
specified in the accompanying Summary of Terms or Card Carrier, will be the same for each 
such Average Daily Balance. If the Monthly Periodic Rate and corresponding Annual 
Percentage Rate are a variable rate, this will be specified in the accompanying Summary of 
Terms. If a variable rate, the following applies: The Regular Monthly Periodic Rate and 
corresponding Annual Percentage Rate applicable to your Average Daily Balance of Purchases, 
your Average Daily Balance of Balance Transfers, your Average Daily Balance of Overdraft 
Advances and each Average Daily Balance of 
Special Advances (for any Promotional Check balances which, in the Promotional Check offer, 
we specify will have the same Regular Annual Percentage Rate as Balance Transfers following 
the promotional period) may vary. The Regular Monthly Periodic Rate applied in any Billing 
Cycle to the Average Daily Balance of Purchases and to the Average Daily Balance of Balance 
Transfers and to the Average Daily Balance of Overdraft Advances and to each Average Daily 
Balance of Special Advances (for any Promotional Check balances which, in the Promotional 
Check offer, we specify will have the same Regular Annual Percentage Rate as Balance 
Transfers following the promotional period), will be equal to 1/12 of the total of (i) the “Prime 
Rate” (as defined below) and (ii) the applicable Margin as shown in the accompanying Summary 
of Terms. The “Prime Rate” used is the highest Prime Rate published in the “Money Rates” 
section of The Wall Street Journal on the last day of the calendar month in which the Billing 
Cycle begins (or if not published on that day, on the date of its next publication following that 
date). If the Prime Rate increases, the Regular Monthly Periodic Rate and corresponding 
Annual Percentage Rate under the above formula may increase. As a result, the Interest 
Charges, the Minimum Payment, and the number of payments may also increase. Any new 
Regular Monthly Periodic Rate will apply to your entire Average Daily Balance of Purchases and 
your entire Average Daily Balance of Balance Transfers and your entire Average Daily Balance 
of Overdraft Advances and each entire Average Daily Balance of Special Advances (for any 
Promotional Check balances which, in the Promotional Check offer, we specify will have the 
same Regular Annual Percentage Rate as Balance Transfers following the promotional period), 
including both existing balances and new transactions, and determined as described above. 
(The Regular Monthly Periodic Rate and corresponding Annual Percentage Rate applicable to 
each Average Daily Balance of Special Advances for any Promotional Check balances which, in 
the Promotional Check offer, we specify will have the same Regular Annual Percentage Rate as 
Cash Advances following the promotional period, will be determined as provided below under 
“Cash Advances”. The Regular Monthly Periodic Rate and corresponding Annual Percentage 
Rate applicable to any Average Daily Balance of Special Advances for any Promotional Check 
balances which, in the Promotional Check offer, we specify will have a Regular Annual 
Percentage Rate following the promotional period other than the Regular Annual Percentage 
Rate for Balance Transfers or the Regular 
Annual Percentage Rate for Cash Advances, will be determined as described in the Promotional 
Check offer.) 

Cash Advances: The Regular Monthly Periodic Rate and corresponding Annual Percentage 
Rate applicable to your Average Daily Balance of Cash Advances is specified in the 
accompanying Summary of Terms or Card Carrier. If the Monthly Periodic Rate and 

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corresponding Annual Percentage Rate are a variable rate, this will be specified in the 
accompanying Summary of Terms. 

 If a variable rate, the following applies: The Regular Monthly Periodic Rate and corresponding 
Annual Percentage Rate applicable to your Average Daily Balance of Cash Advances may vary. 
The Regular Monthly Periodic Rate applied in any Billing Cycle to the Average Daily Balance of 
Cash Advances will be equal to 1/12 of the total of (i) the “Prime Rate” (as defined in the 
preceding paragraph), and (ii) the applicable Margin as shown in the Summary of Terms.  

If the Prime Rate increases, the Regular Monthly Periodic Rate and corresponding Annual 
Percentage Rate under the above formula may increase. As a result, the Interest Charges, the 
Minimum Payment, and the number of payments may also increase. Any new Regular Monthly 
Periodic Rate will apply to your entire Average Daily Balance of Cash Advances, including both 
existing balances and new transactions, and determined as described above. 

Employee Preferential Rates: If your Summary of Terms and/or Card Carrier disclose 
information regarding Loss of Employee Preferential APRs, this means that your Regular 
Monthly Periodic Rates and corresponding APRs are preferential rates extended to you 
because you are an employee, officer or director of Synovus Bank or one of its affiliated 
companies or of Total System Services, Inc. or one of its affiliated companies. If that 
relationship ceases for any reason, we may increase your Regular Monthly Periodic Rates and 
corresponding Annual Percentage Rates to the higher rates as disclosed in your Summary of 
Terms and/or Card Carrier. Such a change would require at least 45 days advance notice, and 
would not become effective until at least 12 months after the opening of your Account. When 
effective we will apply the increased Monthly Periodic Rates and corresponding APRs to 
transactions made on or after the effective date of such increase. The employee preferential 
Monthly Periodic Rates and corresponding APRs then in effect would continue to apply to 
transactions made prior to that date. We may keep the increased Monthly Periodic Rates and 
corresponding APRs in effect indefinitely. 
Other Charges In addition to Finance Charges, a variety of fees and charges may be applied to 
your 
Account, as follows: 
Late Payment Fee: If your Minimum Payment Due is not credited to your Account on or before 
the Payment Due Date, you may be charged a Late Payment Fee of up to $35. However, the 
fee will never be greater than the Minimum Payment Due. 
Returned Payment Fee: If any payment received in payment of your Account is returned to us 
unpaid for any reason, you may be charged a Returned Payment Fee of up to $25. However, 
the fee will never be greater than the Minimum Payment Due. If we return unpaid any 
Convenience Check (including any Promotional Check), or Balance Transfer Check you may be 
charged a Returned Payment Fee up to $25. However, the fee will never be greater than the 
Amount of the check we return. 
Documentation Fee: You may request a copy of a statement previously sent to you for a 
Documentation Fee of $5 per statement, which will be added to your Account. Copies of sales 
tickets or other items posted to your Account, and all other correspondence, may be obtained 
for a Documentation Fee of $5 per sales ticket or other posted item, or item of correspondence, 
which will be added to your Account. 
Notwithstanding the foregoing, we will not impose any fee in connection with your good faith 
assertion of a billing error or other exercise of your Billing Rights (see below under “Your Billing 
Rights: Keep This Document For Future Use”).  
Annual Fee: If applicable to your account, an annual fee will apply as shown in the Summary of 
Terms. (If an Annual Fee amount is shown as “Introductory” for a specified period, that 

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Introductory Annual Fee will expire no less than the specified period after the opening of your 
Account.) 
Expedited Card Fee: If applicable to your Account, an Expedited Card Fee may apply to your 
Account for delivering a Credit Card to you via recognized overnight courier, such as Federal 
Express. The Expedited Card Fee is $25. 
Annual Summary Statements: If applicable to your Account, if you elect to receive an Annual 
Summary Statement, a $15 fee may be charged to your Account.  

Lost Cards and Unauthorized Use 
If you notice the loss or theft of your Card or a possible unauthorized use of your Card, you 
should write to us immediately at: Security Department, Card Services, P.O. Box 84050, 
Columbus, GA 31908-4050, or call us at 1-888-SYNOVUS (796-6887) outside the U.S. 

You will not be liable for any unauthorized use that occurs after you notify us. You may, 
however, be liable for unauthorized use that occurs before your notice to us. In any case, your 
liability will not exceed $50. 

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 
Dispute Resolution Office 
Card Services 
P.O. Box 84050 
Columbus, GA 31908-4050. 

In your letter, give us the following information: 

•  Account Information: Your name and 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. 

You 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. 

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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 line. 

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 
Dispute Resolution Office 
Card Services 
P.O. Box 84050 
Columbus, GA 31908-4050 

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While we investigate, the same rules apply to a 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. 

OUR RIGHTS AND HOW THEY AFFECT YOU___________________________________ 

Telephone Monitoring 
From time to time, we may monitor telephone calls regarding your Account with us to assure 
the quality of our service. 

Refunds 
If a seller agrees to give a refund, you will accept a credit on your Account instead of cash 
refund. 

No Waiver of Rights; Disputed Amounts 
We can accept late or partial payments without losing any of our rights under this 
Agreement. 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 any check or other payment instrument that 
indicates that the payment constitutes “payment in full” of the amount owed or that is 
tendered with other conditions or limitations or as full satisfaction of a disputed 
amount, must be mailed or delivered to Synovus Bank, Dispute Resolution Office, 
Card Services, P.O. Box 84050, Columbus, GA 31908-4050. 

Credit Reports and Information 
You authorize us to make or have made any credit, employment and investigative inquiries, 
including obtaining consumer reports on you, as we deem appropriate in connection with 
your application for or the extension of credit on the Account, or the update, renewal or 
review of the Account, or the collection of amounts owing on the Account. Upon your 
request, we will inform you whether or not a consumer report was requested, and if one was 
requested, of the name and address of the consumer reporting agency that furnished the 
report. We can furnish information concerning your Account or credit file to consumer 
reporting agencies and others who may properly receive that information. 

Notice of Inaccurate Information 
If you believe that we have information about you that is inaccurate or that we have reported 
or may report to a credit reporting agency information about you that is inaccurate, please 
notify us of the specific information that you believe is inaccurate by writing to us at Card 
Services, P.O. Box 84050, Columbus, GA 31908-4050. 

Collection and Default 
Unless prohibited by applicable law, your Account is considered to be in default if (1) you do 
not make at least the Minimum Payment on or before the Payment Due Date, (2) you try to 
exceed or exceed your Credit Line without permission, (3) you become subject to 
bankruptcy or insolvency proceedings, (4) you become subject to attachment or 
garnishment proceedings, (5) you give us any false information or signature, (6) you die, or 
(7) you fail to comply with any portion of this Agreement. Our accepting a late or partial 
payment does not waive the default. Unless prohibited by applicable law, default on this 
Account will constitute default on all accounts you hold with us. 

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Subject to any notice of default and right to cure or other restrictions of applicable law, if you 
are in default, we may declare the entire balance due immediately. Unless prohibited by 
applicable law you agree to pay our reasonable costs and attorneys’ fees related to the 
collection of your Account to the extent permitted by the state in which you live. 

Change of Terms 
Subject to the limitations of applicable law, we may, at any time, change or remove 
any of the terms and conditions of, or add new terms or conditions to, this 
Agreement. We will provide written notice of such a change to you then in the manner 
required by applicable law, and, you hereby consent to receipt of such notice 
electronically where electronic notice is permitted by applicable law. As of the 
effective date, the changed or new terms will apply to new Purchases, Cash Advances 
and Balance Transfers and also to the outstanding balance of your Account, subject 
to the limitations of applicable law. 

Delay in Enforcement 
We can delay enforcing our rights under this Agreement without losing them. 

OTHER PROVISIONS_______________________________________________________ 

Ownership and Use of Your Card 
As the Account Cardholder(s), you are liable for all credit obtained under your Account. If 
you authorize another person to use your Card or Convenience Check, you are liable for 
any credit obtained on your Account for as long as that person holds the Card or Check. In 
addition, you will remain liable until you recover possession of the Card or Check. Misuse of 
your Card by an authorized person will not be considered unauthorized use (see “Lost 
Cards and Unauthorized Use” above). Upon demand, you must return any Card we supply 
to you or destroy the Card by cutting it in half immediately. Convenience Checks must be 
mailed or returned to us upon request. 

Transactions 
You will retain for statement verification your copy of each purchase slip, Cash Advance or 
other transaction to your Account.  

Transfer and Termination of Your Account 
You may not transfer your Account to any other person. We may assign your Account to any 
other person at any time. Either you or we may terminate or suspend your credit privileges 
at any time. However, you will remain liable for all charges until they are paid in full. 

Foreign Currency Conversion 
You may make a Purchase or obtain a Cash Advance in a currency other than U.S. dollars. 
If you do, Visa will convert the transactions into U.S. dollars. The conversion rate between 
the transaction currency and the billing currency will be either (1) a rate selected by Visa 
from the range of rates available in wholesale currency markets for the applicable central 
processing date, which rate may vary from the rate Visa itself receives, or (2) the 
government-mandated rate in effect for the applicable central processing date. The 
conversion rate Visa uses may differ from any published rate in effect on the day that you 
made the transaction or it was posted to your Account. You agree to pay us the amount as 
converted into U.S. dollars according to Visa procedures.  

13 

 
 
 
 
 
 
 
 
 
 
Honoring Your Card 
We are not liable for the failure or refusal of a merchant, ATM, or other institution to honor 
your Card. Although you may have credit available, we will not be liable for the failure to 
authorize credit due to operational difficulties or mistakes. Transactions made above a 
certain dollar amount may require authorization by us before the transaction can be 
approved. In addition, we may limit the number and amount of transactions approved in one 
day for security reasons. 

Servicing the Account 
We will send all written notices and statements to your address as it appears on our records. 
To avoid delays and missed payments that could affect your credit standing, you agree to 
advise us promptly if you change your mailing address, place of employment, and/or 
telephone number(s). You authorize us or any of our agents to contact you at any telephone 
numbers you provide on your credit application or that you provide to us thereafter, including 
a ported landline, cellular phone, mobile phone or similar device, regarding payments due, 
Account activity, Account information or for other purposes we deem necessary. You 
authorize those contacts to be made using an automated telephone dialing system and/or 
prerecorded messages and/or text messages. You authorize us to send email to the 
addresses you provide us on your credit application or otherwise. You may be charged by 
your wireless provider for data, phone usage or minutes. You authorize us to leave a 
message with a person or on a voice mail, answering machine or answering service that 
answers the number(s) you have provided to us. You also authorize us to send U.S. postal 
mail to the addresses you provide to us on your credit application or otherwise. You also 
confirm that by providing the cell phone and/or email address of an Authorized User(s), you 
have received consent from the Authorized User(s) to provide this contact information, and 
they have consented to receive calls and/or text messages about authorized card 
transactions, and you agree to indemnify Synovus from any and all losses, damages and 
penalties arising out of claims or actions that such Authorized User did not consent. 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. You also authorize us to send you emails to any email address you use or 
that is assigned to you, whether or not you have provided that email address to us. You also 
confirm that by providing the cell phone and/or email address of an Authorized User(s), you 
have received consent from the Authorized User(s) to provide this contact information, and 
they have consented to receive calls and/or text messages about authorized card 
transactions. 

Synovus Fraud Alerts Program 
Synovus Fraud Alerts is provided through a different service. Visit 
www.synovus.com/fraudfaqs for more information on Synovus Fraud Alerts. 

Text Fraud Alerts: Free messages from 74233. Message frequency depends on account 
activity. You may opt out at any time by texting STOP to 74233. By sending STOP to 74233, 
you agree to one additional confirmation message stating that you’ve opted out and will no 
longer receive text messages from Synovus. Get additional support or help by calling 1-888-
SYNOVUS (796-6887). Carriers are not responsible for any delayed or undelivered 
messages. Message may be delayed or not delivered due to factors outside the carrier’s 
control. PARTICIPATING WIRELESS CARRIERS: AT&T, Metro PCS, Sprint, T-Mobile®, 
Verizon Wireless. Our Privacy Policy is located at www.synovus.com/privacy. 

14 

 
 
 
 
 
Text fraud alerts are available only to customers who can receive text messages through 
one of the above-listed Participating Wireless Carriers. 

Other Fraud Alerts: If you cannot receive text fraud alerts because you do not receive 
services through a Participating Wireless Carrier, or if you have opted out of receiving text 
fraud alerts, we may still send you fraud alerts to your email address on record with us or by 
calling you at the telephone number on record with us. If you want to opt out of email or 
telephone alerts you may call us at 1-888-SYNOVUS (796-6887). 

Authorized User Fraud Alerts 
We will provide text fraud alerts to your Authorized Users when you obtain their consent for 
such alerts and provide their consent and mobile phone number to us. By providing us an 
Authorized User’s consent and mobile phone number, you represent and warrant to us that 
the Authorized User voluntarily consented to receiving Synovus Fraud Alerts, and you 
indemnify Synovus from any and all losses, damages and penalties arising out of claims or 
actions that such Authorized User did not consent. 

Severability 
In the event that any provision of this Agreement is invalid or unenforceable, or determined 
to be invalid or unenforceable by a court of competent jurisdiction, under any applicable law, 
including the Military Lending Act, the remaining provisions will remain in effect. 
Entire Agreement; Interpretation 
This Agreement constitutes the final expression of the credit agreement between you and us 
relating to your Account. The headings used in this Agreement are for the convenience of 
reference only and are not intended to define or describe the scope or intent of any portion 
of the Agreement. 

Governing Law 
This Agreement and your Account, and any claim, dispute or controversy (whether in 
contract, tort, or otherwise) at any time arising from or relating to your Account, this 
Agreement or any transferred balances, are governed by and construed in 
accordance with applicable federal law and the laws of the state of Georgia. The 
legality, enforceability and interpretation of this Agreement and the amounts 
contracted for, charged and reserved under this Agreement will be governed by such 
laws. This Agreement is entered into between you and us in Georgia. We make 
decisions about granting credit to you from, extend credit to you under this 
Agreement from, and accept your payments in, Georgia. 

Arbitration of Disputes 
Except as expressly provided below, any controversy that arises out of or is related 
to (a) this Agreement (including any dispute over the validity of this Agreement to 
arbitrate disputes or of this entire Agreement), or (b) your Account, or (c) any 
relationship resulting from this Agreement, or (d) any insurance or other service 
related to your Account, or (e) any other agreement related to your Account or any 
such service, or (f) breach of this Agreement or any other such agreement, whether 
based on statute, contract, tort or any other legal theory, in which the aggregate 
amount in controversy for all claimants exceeds $15,000 including interest and 
attorneys’ fees (any Claim”) will be settled on an individual basis by binding 
arbitration under the Federal Arbitration Act (“FAA”). Judgment on the arbitration award 
may be entered in any court having jurisdiction. Any dispute regarding whether a particular 
controversy is subject to arbitration will be decided by the arbitrator(s). If any part of the 

15 

 
 
 
 
 
 
damages or other relief requested is not expressly stated as a dollar amount, the 
controversy will be a Claim that is subject to arbitration. You and we acknowledge and agree 
that the transactions contemplated by this Agreement, and any controversy that may arise 
under or relate to this Agreement, your Account, or the services or other agreements 
described above, involve “commerce” as that term is defined and used in the FAA.  

The arbitration will be administered by the American Arbitration Association (the “AAA”) 
under its Commercial Arbitration Rules (the “Arbitration Rules”). We will tell you how to 
contact the AAA and how to get a copy of the Arbitration Rules without cost if you ask us in 
writing to do so. The Arbitration Rules permit you to request deferral or reduction of the 
administrative fees of arbitration if paying them would cause you a hardship. Any in-person 
arbitration hearing will be held in Columbus, Georgia, where our employees and records of 
your Account are located. 

Each arbitrator shall be a licensed attorney who has been engaged in the private practice of 
law continuously during the ten years immediately preceding the arbitration or a retired 
judge of a court of general or appellate jurisdiction. The arbitration award shall award only 
such relief as a court of competent jurisdiction could properly award under applicable law, 
including attorneys’ fees if allowed by applicable law or agreement, and may award to the 
prevailing party all pre- and post-award expenses of arbitration. All statutes of limitation, 
defenses, and attorney-client and other privileges that would apply in a court proceeding will 
apply in the arbitration. The filing of a demand for arbitration in accordance with the 
Arbitration Rules will be deemed the commencement of an action for purposes of any 
applicable statute of limitations. There will be no class Claims—Claims by or on behalf of 
other persons will not be considered in or consolidated with the arbitration proceedings 
between you and us. 

This Agreement does not limit the right of you or us, whether before, during or after the 
pendency of any arbitration proceeding, to exercise self-help remedies such as set-off or 
repossession and sale of collateral, or to obtain provisional or ancillary remedies or 
injunctive or other traditionally equitable relief (other than a stay of arbitration) necessary to 
protect the rights or property of the party seeking relief pending the arbitrator’s determination 
of the merits of the Claim. The taking of any of the actions described in the preceding 
sentence by either party or the filing of a court action by a party shall not be deemed to be a 
waiver of the right to demand arbitration of any Claim asserted as a counterclaim or the like 
in response to any such action. This Agreement to arbitrate disputes will survive the closing 
of your Account and the termination of your Agreement with us. 

Please read this arbitration agreement carefully. It limits or waives certain of your 
rights. With respect to claims that you are agreeing to arbitrate pursuant to this 
Agreement, you are waiving your right to bring a court action and to have a jury trial. 
There will be no class claims in arbitration. Discovery may be more limited in 
arbitration than in a court proceeding, and the right and grounds to appeal from an 
arbitrator’s award are more limited than in an appeal from a court judgment. Certain 
other rights you have in a court proceeding also may not be available in arbitration. 

The card issuer: 
Synovus Bank 
1111 Bay Avenue  
Columbus, Georgia 31902 

16 

October 2017