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 Late Payment 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  Returned  Payment  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 Returned Payment 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  balance. 
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 balance. 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 Introductory Annual Fee will expire no less than the specified period after the 
opening of your Account, and thereafter the Annual Fee will revert to the standard annual fee 
amount as shown in the Summary of Terms.) 
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, upon your request. The Expedited Card Fee is $25 per card that is expedited. 
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, Unauthorized Use and Identity Theft 
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,  Synovus  Card  Services,  P.O.  Box 
84050, Columbus, GA 31908-4050, or call us at 1-888-SYNOVUS (796-6887) (or 706-644-
0012 for calls from 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 if we reasonably determine, based on substantial evidence, that you were 
fraudulent or negligent in the handling of the Account or the Card. In any case, your liability 
will not exceed the lesser of $50 or the amount of money, property, labor, or services obtained 
by the unauthorized use before notification to us. 
If you believe that you have been the victim of identity theft and that there is a transaction(s) 
or application(s) you believe is a result of that identify theft, please write to us at: Security 
Department,  Synovus  Card  Services,  P.O.  Box  84050,  Columbus,  GA  31908-4050.  All 
submissions regarding an unauthorized transaction(s) or application(s) due to identity theft 
must  be  sent  to  the  foregoing  address.  If  you  contact  us  by  phone  regarding  transactions 
resulting from identity theft, we will require you to make a written submission. In your written 
submission, please include: 
(1) your name, 
(2) your account number, 
(3) if known, the date of the transaction(s) or application(s), 
(4) if known, any other identifying information that you believe may assist us in identifying 

the transaction(s) or application(s) that were the result of a stolen identity, and 

(5) any federal, state, or local law enforcement agency or officer you would like results of the 

investigation to be sent. 

Once we receive the request we will respond within the next 30 days, pending any verification 
of identity, with any information in our control regarding the application(s) or transaction(s) 
that were the result of identity theft to you and anyone else requested in your submission. 
We may require that you verify your identity before investigating your claim. If we determine 
that identity verification is necessary, we will request from you a copy of a government issued 
identification or other documentation that will allow us to verify your identity. Additionally, 
we may require that you submit a copy of a police report you filed evidencing the claim of 
identity theft, and either the Federal Trade Commission Identity Theft Report, available at the 
FTC’s website, or an affidavit which is substantially similar to the Federal Trade Commission 
Identity Theft Report. 

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, you can provide notice of the error to us (an 
“Error Notice”) by using one of two methods: (1) You may write to us at: 

Synovus Bank 
Dispute Resolution Office 
Synovus Card Services 
P.O. Box 84050 
Columbus, GA 31908-4050. 

Or, (2) you can submit your Error Notice online by visiting www.synovus.com and sending 
us your details and the required information through the credit card Secure Messages system. 
In your Error Notice, you must provide the following information: 
•  Account Information: Your name and account number. 
•  Dollar  amount:  The  dollar  amount  of  the  suspected  error,  and  any  other 

information regarding the charge that may help us identify it, such as the vendor or 
date. 

•  Description of problem: If you think there is an error on your statement, 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. 

Your  Error  Notice  regarding  any  potential  errors  on  your  statement  must  be  in  writing 
(including  electronic  written  notice),  and  must  be  submitted  to  us  by  using  one  of  the  two 
contact methods described above. You may call us instead, 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 Error Notice 
When we receive your Error Notice, we must do two things: 

(1) Within 30 days of receiving your Error Notice, we must tell you that we received your 

Error Notice. We will also tell you if we have already corrected the error; and 

(2) Within  90  days  of  receiving  your  Error  Notice,  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; and 

•  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. At a minimum, you will have ten (10) 
days to pay the amount owed after receiving the statement. If you do not pay the amount 
you owe by the due date, we may then report you as delinquent which may negatively 
impact your credit. 

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: 

11

12

13

(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 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; and 

(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 
Synovus Card Services 
P.O. Box 84050 
Columbus, GA 31908-4050 

Or  contact  us  online  through  the  credit  card  Secure  Messages  system  by  visiting 
www.synovus.com. 
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. 

OUR RIGHTS AND HOW THEY AFFECT YOU 
Telephone Monitoring 
From  time  to  time,  we  may  monitor  and/or  record  telephone  calls  regarding  your  Account 
with us to assure the quality of our service. By entering into this Agreement, you give us your 
express consent to do so. 
Refunds 
If a seller agrees to give a refund for a Purchase made with your Card, such refund will be 
provided as 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, Synovus 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  from  credit  reporting  agencies  and/or  other 
third  party  sources,  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,  the 
collection  of  amounts  owing  on  the  Account,  and/or  other  related  purposes,  in  accordance 
with applicable law. 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. You agree that we may furnish information concerning your 
14

Account or credit file to consumer reporting agencies and others who may properly receive 
that  information,  in  accordance  with  applicable  law.  Late  payments,  missed  payments,  or 
other defaults on your Account may be submitted to a credit reporting agency and reflected 
in your credit report. 
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 Synovus 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 exceed your 
Credit Limit by making a Purchase, Cash Advance, or other transaction in connection with your 
Account or any other Synovus account, (3) you become subject to bankruptcy or insolvency 
proceedings, (4) you become subject to attachment or garnishment proceedings, (5) you give 
us any materially 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. 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 User 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. 
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 amounts owed on your Account 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. 
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. A transaction 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  and/or  email  address  (if 
applicable to your Account) 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,  email  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,  in  accordance  with  applicable  law. 
You authorize those contacts to be made using an automated telephone dialing system and/or 
prerecorded messages and/or text messages. You may revoke your consent to being contacted 
on  your  mobile  phone  using  an  automated  telephone  dialing  system  and/or  prerecorded 
messages  and/or  text  messages  at  any  time  by  calling  us  at  1-888-SYNOVUS  (796-6887) 
or  by  sending  written  notice  to  Synovus,  Customer  Support,  P.O.  Box  23061,  Columbus, 
GA  31902-3061.  You  authorize  us  or  any  of  our  agents  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  or  any  of  our  agents  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 or any of our agents 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  mobile  phone  number  and/or  email  address  of  an 
Authorized  User(s),  you  have  received  consent  from  the  Authorized  User(s)  to  provide  this 
contact information to us, and that the Authorized User(s) have expressly consented to receive 
calls and/or text messages from us or any of our agents to the number(s) provided, including 
through  an  automated  telephone  dialing  system  and/or  prerecorded  messages  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. 

15

16

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: Fraud alerts will be provided to you via free text messages to the mobile 
phone  number  associated  with  your  Account  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. 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 mobile phone number to us. By providing us an Authorized 
User’s  mobile  phone  number,  you  represent  and  warrant  to  us  that  the  Authorized  User 
voluntarily  consented  to  receiving  Synovus  text  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 so consent. 
Opting-In to Receive Your FICO® Score on Your Statements 
If you would like to receive your FICO® Score for free each month on your Account statement, 
you  can  opt-in  by  calling  Synovus  customer  service  at  1-888-796-6887.  By  opting-in  to 
receive your FICO® Score on your Account statements, you authorize Synovus Bank to display 
your FICO® Score based on Equifax® information on the monthly Account statements that 
we  send  to  you.  Only  the  FICO®  Score  of  the  primary  Account  holder  may  be  provided, 
and the monthly statements displaying your FICO® Score will only be sent to the address 
and/or  email  address  associated  with  your  Account.  You  also  acknowledge  that  any  joint 
owner of your Account or other person that has access to the mail or email to which your 
monthly statements are addressed may be able to view your FICO® Score displayed on your 
statement, and you authorize us to send the statements containing your FICO® Score to such 
address(es). If you decide you no longer wish to have your FICO® Score displayed on your 
Account statements, you may opt-out by calling us at 1-888-796-6887.
FICO is a registered trademark of the Fair Isaac Corporation in the United States and other 
countries. 
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 
17

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 
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 
18

JOB SPECS: 
Flat Size: 
34.752” x 6.75” 

Finished Size: 
3.5” x 6.75” 

Colors:  
Front: Black 
Back: Black 

Bleed: No 

Note: None 

Credit Card 
Cardholder 
Agreement

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. 
BY USING YOUR CARD OR ACCOUNT, YOU ACKNOWLEDGE THAT (1) YOU HAVE 
RECEIVED  AND  HAVE  READ  A  COMPLETED  COPY  OF  THIS  AGREEMENT  (2) 
YOU  UNDERSTAND  THIS  AGREEMENT  AND  (3)  YOU  AGREE  TO  ITS  TERMS, 
INCLUDING THE ARBITRATION PROVISION. 

The card issuer: 
Synovus Bank 
1111 Bay Avenue 
Columbus, Georgia 31902 
December 2020 

19

F03-Y450-0 -1220

READ THIS ENTIRE AGREEMENT CLOSELY. IT CONTAINS 
IMPORTANT DISCLOSURES AND THE TERMS OF YOUR  
CREDIT CARD ACCOUNT.

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, including by means 
of a Purchase transaction, a Cash Advance transaction, a Balance Transfer transaction, a 
Special  Advance  transaction,  your  use  of  a  Convenience  Check,  or  any  other  extension  of 
credit. 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 provided the account opening disclosures to you. On the same day, 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 between the hours of 7:00 a.m. and 
11:00 p.m. eastern. 

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 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 
(with the exception of a Promotional 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 in connection with your Account, which you or any 
Authorized User(s) may use to obtain certain Cash Advances, make Purchases, or lease goods 
or services on credit pursuant to the terms of this Agreement. Use of your Account number or 
Card 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. 
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 protection coverage or ATM that we make available to you. 
Cash Advance Limit: The maximum percentage of your Credit Limit that you may use for 
Cash Advances. This limit will be displayed in the Card Carrier, on your statements and on 
your online Account page. The Cash Advance Limit is subject to change at our discretion, and 
we will communicate any such change to you in writing no less than [thirty (30) days prior 
to it taking effect]. 
Closing Date: The date of the last day of a Billing Cycle. 
Convenience  Check:  Any  check  we  make  available  to  you  for  the  purpose  of  drawing 
against your Account. 
Credit Limit: 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. 
Grace Period: The period of at least 25 days between the close of each Billing Cycle and your 
payment due date for such Billing Cycle. We will not charge you interest on Purchases if you 
pay your entire balance by the due date of each month. 
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, 
an  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 Balance Transfer: Special Balance Transfers that 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 balance transfer offer. 
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. 

1

2

Special  Advances:  Credit  we  may  extend  to  you  in  the  form  of  Promotional  Balance 
Transfers or Promotional Checks. 
Total Average Daily Balances: The total of your (i) Average Daily Balance of Purchases, 
(ii)  Average  Daily  Balance  of  Balance  Transfers,  (iii)  Average  Daily  Balance  of  Overdraft 
Advances, (iv) Average Daily Balance of Cash Advances and (v) Average Daily Balance of 
Special Advances. 
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 exceed the Cash Advance Limit applicable to your 
account at that time. You also may use your Card to obtain Balance Transfers, subject to the 
Balance Transfer terms described in this Agreement. 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 will owe us for these amounts, plus any applicable Finance Charges 
and other applicable charges or fees, payable in U.S. dollars. 
Recurring Preauthorized Transactions 
Recurring preauthorized transactions occur when you authorize a merchant to automatically 
initiate a transaction using your Account on a recurring basis. If we issue a new Card with a 
different number or expiration date to you, we may (but are not obligated to) provide your 
new card number and expiration date to a merchant with whom you have set up a recurring 
preauthorized transaction in order to continue your recurring preauthorized transactions. By 
signing this Agreement, you authorize us to provide your new card number and expiration 
date to such merchants. Synovus updates the merchants through Visa using the Visa Account 
Updater  Service.  Merchants  use  the  Visa  Account  Updater  Service  which  allows  them  to 
automatically  receive  new  credit  card  number  and  expiration  date  associated  with  your 
Account, however, not all merchants subscribe to this service. There will be circumstances 
where you will instead have to contact the merchant to provide updated card information. 
Synovus  shall  not  be  responsible  for  any  failed  recurring  preauthorized  transactions  with 
merchants after a new Card is provided, so be sure to confirm your card information with 
merchants with which you have recurring preauthorized transactions set up. 
Your Credit Limit 
Your Credit Limit and Cash Advance Limit are disclosed to you when you receive your Card 
and, generally, on each monthly statement. The Credit Limit is the total amount of credit 
available for your Account; however, only a portion of that is available for Cash Advances. 
The Cash Advance Limit is the amount you have available for Cash Advances. The amount 
3

of credit available under the Cash Advance Limit will never exceed the total amount of credit 
available under the Credit Limit. 
We  may  change  your  Credit  Limit  from  time  to  time  and  will  notify  you  accordingly.  We 
base that decision on a variety of factors such as your payment and transaction history with 
us, and information we receive from third parties, including credit reporting agencies. The 
amounts  shown  on  your  monthly  statement  as  available  credit  do  not  take  into  account 
Purchases, Balance Transfers, Cash Advances, interest and other Finance Charges or fees, 
any other transactions, or credits which post to your Account after the Closing Date of that 
monthly statement. We may delay increasing your available credit for up to ten (10) days 
after you make a payment. Your Credit Limit (and balances in excess of your Credit Limit) 
may be treated differently based on the type of Account you have. If you are not sure which 
type of Account you have, please look at your Card, review your Card Carrier, or call us at 
1-888-SYNOVUS (796-6887). 
You may not use your Account in any way that would exceed your Credit Limit.  However, in 
certain circumstances, Purchases, Cash Advances or other transactions using your Card or 
Account may be approved even if they will result in your balance exceeding your Credit Limit. 
In the event that you do use your Card or Account in a manner that results in your balance 
exceeding your Credit Limit, you are liable for and must repay the excess amount according 
to the terms of this Agreement. 
Credit Authorizations 
Subject to applicable law, we may limit or refuse to authorize or accept any transaction on 
your Account for any reason, including but not limited to a transaction that would cause you 
to exceed your Credit Limit, or your Account being delinquent. We will not be liable to you 
or any third party for limiting or refusing to authorize or accept any transaction on your 
Account, or if (1) we close your Account; (2) anyone refuses your Card, Check, or Account; or 
(3) we stop (or do not stop) a payment on a Check. Unless otherwise required by law, we will 
not be liable for goods or services you purchased or leased using your Account. 
Balance Transfer Checks 
You agree that any check we issue on your behalf to a financial institution other than us 
or our affiliates 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 Limit 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. If you request a Balance Transfer when you open your Account, it may not 
be processed for up to 10 days from account opening date to allow us time to provide you 
with legally required disclosures.  Balance Transfer(s) do not earn rewards under reward 
programs.  The  minimum  amount  of  a  Balance  Transfer  is  $100.    We  will  only  approve 
Balance Transfer amounts that are at least $200 under your Credit Limit. For example, if your 
Credit Limit is $2,000, we will only approve a Balance Transfer of $1,800 or less. 
Convenience Checks 
We may supply you with Convenience Checks that are subject to the following conditions. 
Payment of a Convenience Check will be treated as a Cash Advance on your Account, subject 
to the Cash Advance Transaction Fee described herein. The amount of the Convenience Check 
will be added to the Cash Advance balance on your Account, subject to interest charges, as of 
the date the Convenience Check is deposited. Your Convenience Check must be written in U.S. 

4

dollars. Only the person(s) whose name(s) appears on the Convenience 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 Convenience 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 Convenience 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 Limit will be due immediately. You may not use a Convenience Check to 
make payments on your Synovus Account or other debt you have with us or our affiliates. We 
may pay Convenience Checks dated more than six months prior to the date they are presented 
for payment. You may not write a postdated Convenience Check, but we may pay a Convenience 
Check regardless of a post-date. We will not certify a Convenience Check. 
Overdraft Protection 
If  you  choose  to  use  your  Account  for  Overdraft  Protection  coverage,  you  agree  that  Cash 
Advances  will  be  automatically  made  from  your  credit  card  Account  to  your  designated 
Synovus  Bank  Deposit  Account  (the  “Deposit  Account”)  on  occasions  when  the  amount  of 
the Deposit Account debits authorized by authorized party(ies) are in excess of the balance 
available in the Deposit Account. These debits may be checks or drafts written by authorized 
party(ies), automatic withdrawals by authorized party(ies), check card transactions made by 
authorized party(ies); or any other debits authorized or originated by authorized party(ies). 
Each  such  cash  advance  (an  “Overdraft  Advance”)  must  be  repaid  as  a  part  of  your  total 
indebtedness  under  this  Agreement  with  all  applicable  Finance  Charges.  The  Credit  Limit 
applicable to your credit card Account from time to time pursuant to this Agreement will not 
be  increased  or  expanded  because  of  Overdraft  Advances.  By  participating  in  the  Overdraft 
Protection coverage, you acknowledge and agree to the following: (i) the privileges attached 
to  this  Overdraft  Protection  coverage  are  contingent  upon  you  maintaining  and  properly 
handling both the Deposit Account and the credit card Account; (ii) the Overdraft Protection 
will immediately terminate upon the closing of either the credit card Account or the Deposit 
Account for any reason; (iii) we may review the Account involved in this Agreement and, upon 
a finding of any misuse, fraudulent behavior, or violation of the terms of this Agreement, we 
may  withdraw  any  Overdraft  Protection  coverage  or  suspend  your  use  of  the  Card  or  other 
credit extended under your Account; (iv) it is possible that an Overdraft Advance may result in 
creating a credit card Account balance in excess of your approved Credit Limit, or exceeding 
the available credit under any lower limit you may assign to your credit card Account (which 
also applies to Overdraft Advances), which may cause Purchase or Cash Advance transactions 
with your Card to be declined. However, we are not obligated to make such Overdraft Advances 
that would exceed your Credit Limit; and (v) we reserve the right to process, under normal 
return procedures, any check or debit items which would create an excess balance or any other 
situation in violation of this or any other agreement between us and you. You acknowledge 
that you can choose to terminate the Overdraft Protection coverage on your credit card at any 
time by calling us at the number on the back of your Card and following the procedures for 
cancellation of the coverage. 
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 Limit) 
as a spending limit assigned to the Card for an Authorized User; provided that the maximum 
5

amount of credit you set for each Authorized User may not, in the aggregate, exceed the Credit 
Limit. In addition, the aggregate outstanding balance for the Account may not exceed the Credit 
Limit, 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 deactivate 
such user’s Card promptly 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 spending limit available for their Card, Payment Due Date, etc.). Under no 
circumstances will an Authorized User 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 Limit 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 you an Account statement for each Billing Cycle at the end of which your Account 
has a debit or credit balance of $1 or more, or 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) 
any  applicable  Cash  Advance  Transaction  Fees  or  Foreign  Transaction  Fees,  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 Limit, 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 of on-time partial payments as of the start of the Billing Cycle to Purchases still 
subject to the 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. 
Posting of Payments 
Payments will be posted to your Account as of the date received, if (1) the payment is received by 
5:00 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 5:00 p.m. Eastern Time by 
online payment at our website listed on your statement, or (4) is received by 5:00 p.m. Eastern 
Time by telephone payment to our customer service telephone number listed on your statement. 
Payments received after 5:00 p.m. local time on any day at the remittance address shown on 
your statement, or received after 5:00 p.m. Eastern Time on any day by such online payment, 
or by such telephone payment, will be posted as of the next day. Any other payments may be 
subject to a delay in posting of up to 5 days after the date of receipt. If we fail to post payments 
in accordance with these provisions, your Account will not be subject to Finance Charges or 
other charges attributable to our failure to post payments as these provisions require. If any 
such Finance Charges or other charges are imposed, we will adjust your Account so that the 
charges  imposed  are  posted  to  your  account  during  the  next  Billing  Cycle.  While  we  try  to 
reflect payments on your Account in your available credit amount promptly after the payment 
has posted, it may take up to 10 calendar days after your payment has posted for it to reflect 
in your available credit amount. All payments on your Account must be made in U.S. dollars. 

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, imposed (i) on each Cash Advance transaction posted 
during  a  Billing  Cycle,  in  an  amount  determined  as  provided  in  the  accompanying 
Summary of Terms, (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, (iii) on each Promotional Balance Transfer 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 
Balance Transfer offer, and (iv) 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), (ii) your Average Daily Balance of Purchases 
(including  new  Purchases),  (iii)  your  Average  Daily  Balance  of  Balance  Transfers 
(including new Balance Transfers), (iv) your Average Daily Balance of Special Advances 
(including  new  Special  Advances),  and  (v)  your  Average  Daily  Balance  of  Overdraft 
Advances (including new Overdraft Advances); and 

(3) In addition, for certain Card types, there will be added a Foreign Transaction Fee of 3% 
of  the  total  amount  of  all  international  and  cross  U.S.  borders  transactions  (including 
transactions made in U.S. Dollars) posted during a Billing Cycle. If you are not sure which 

6

7

type of Card you have, please look at your Card, review your Card Carrier, or call us at 
1-888-SYNOVUS (796-6887). 
The Foreign Transaction Fee applies to the following credit cards:
•  Synovus Classic Visa 
•  Synovus Rewards Visa 
•  Synovus Cash Rewards Visa 
The Foreign Transaction Fee does not apply to the following credit cards:
•  Synovus Travel Rewards Visa 
•  Synovus Travel Rewards Visa Signature

Finance Charges, when calculated, will be rounded up to the next cent. 
Paying Interest 
When  Interest  Charges  Begin  to  Accrue:  Interest  Charges  on  Purchases  and  Balance 
Transfers  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 and Balance Transfers 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, 
Overdraft  Protection  transactions,  and  Special  Advances  (consisting  of  Promotional  Check 
transactions and Promotional Balance Transfer transactions) will be imposed at the applicable 
Monthly Periodic Rates from the date each Cash Advance, Overdraft Protection transaction, 
Promotional Check transaction or Promotional Balance Transfer transaction is made, and will 
continue to accrue on unpaid balances as long as it remains unpaid. 
How to Avoid Paying Interest on Purchases and Balance Transfers: Your Payment Due 
Date  will  be  at  least  25-days  after  the  close  of  each  Billing  Cycle.  We  will  not  impose  any 
Interest Charges on Purchases and Balance Transfers if you pay your entire New Balance by 
the Payment 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, Promotional Check transactions and Promotional Balance Transfers, as of the 
date  of  transaction  of  each  Cash  Advance,  Overdraft  Protection  transaction,  Promotional 
Check  transaction  or  Promotional  Balance  Transfer,  and  subtract  the  applicable  portion  of 
any  payments  and  credits  as  of  the  date  of  transaction.  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): 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 transaction. (However, we subtract the applicable portion of any payments you paid 
by the Payment Due Date during the Billing Cycle, as of the first day of the Billing Cycle.) This 
8

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 the applicable portion of any payments and credits on your Account as of the 
date of transaction. 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):  If  you  use  a  Promotional  Check  or  Promotional  Balance  Transfer  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  or  Promotional  Balance  Transfer  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 or Promotional Balance Transfer 
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 transaction date 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, Promotional Balance Transfer 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 
9

accompanying Summary of Terms and/or Card Carrier or, in the case of Promotional Check, 
Promotional Balance Transfers 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: 
The Regular Monthly Periodic Rate and corresponding Annual Percentage Rate applicable to 
your (i) Average Daily Balance of Purchases, (ii) Average Daily Balance of Balance Transfers, 
(iii)  Average  Daily  Balance  of  Overdraft  Advances,  (iv)  Average  Daily  Balance  of  Cash 
Advances and (iv) Average Daily Balance of Special Advances (for any Promotional Check 
or Promotional Balance Transfer balances which, in the Promotional Check or Promotional 
Balance Transfer offer, we specify will have the same Regular Annual Percentage Rate as 
Balance Transfers following the promotional period) (collectively, your “Total Average Daily 
Balances”), 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 Total Average Daily Balances may vary. The Regular Monthly Periodic 
Rate applied in any Billing Cycle to the Total Average Daily Balances 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 
Total Average Daily Balances, including both existing balances and new transactions, and 
determined as described above. 
For  any  Promotional  Check  or  Promotional  Balance  Transfer  balances  which,  in  the 
Promotional  Check  or  Promotional  Balance  Transfer  offer,  we  specify  will  have  the  same 
Regular  Annual  Percentage  Rate  as  Cash  Advances  following  the  promotional  period,  the 
Regular  Monthly  Periodic  Rate  and  corresponding  Annual  Percentage  Rate  applicable 
to each Average Daily Balance of Special Advances will be determined as provided above. 
For  any  Promotional  Check  or  Promotional  Balance  Transfer  balances  which,  in  the 
Promotional Check or Promotional Balance Transfer 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, the Regular Monthly Periodic Rate and corresponding Annual Percentage Rate 
applicable to any Average Daily Balance of Special Advances will be determined as described 
in the Promotional Check or Promotional Balance Transfer offer.) 
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 

10