CARDHOLDER AGREEMENT 
This  Agreement  contains  the  terms  that  govern  the  use  of  your  Visa  or  MasterCard  Card  Account  and 
outlines both your responsibilities and ours. Please read it in its entirety and keep it for your reference. 
The accompanying Summary of Terms is hereby incorporated into and made a part of this Agreement. 
In addition, the application, acceptance certificate or other request you signed or otherwise submitted for 
this Account (the “Application”), your 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  hereby  incorporated  into  and  made  a  part  of  this 
Agreement.  This  Agreement  begins  on  the  earlier  of  (i)  the  date  you  sign  or  otherwise  submit  an 
Application that is approved by us, 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. 

DEFINITIONS 

To  simplify  this  Agreement  for  you,  the  definitions  listed  below  will  apply  throughout,  both  in  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. 
Account Year: The 12-month period (consisting of 12 Billing Cycles) commencing with the first Billing 
Cycle that begins when the Account is opened and each successive 12- month period thereafter. 
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. 
ATM: Automated Teller Machine. 
Card:  Any  Visa  or  MasterCard  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 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  to  you  in  the  form  of  a  cash  loan  through  any  financial  institution 
honoring  the  Card  either  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.  

 
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: If applicable to your Account, these are Special Advances 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 APR 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  (APR)  applicable  for  a  period  of  time  specified  in  the 
promotional check offer, after which we apply a Regular Monthly Periodic Rate and corresponding APR as 
specified  in  the  promotional check offer. However, 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. 
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. 

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. 
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. Authorized Users will not have  access to 
account information. 

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 may also use your Card to obtain Cash Advances from your Account at an ATM, or 
by  presenting  it  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 can be made per day. You may also use 
your Card to obtain Balance Transfers. We may limit the use of the Account/Card 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. 

 
Your Credit Line  
You  may  not  use  your  Account  in  any  way  that  would  cause  you  to  go  over your Credit Line. We may 
refuse to authorize or accept any transaction on your Account that would cause you to exceed your  Credit 
Line  or  if  your  Account  is  delinquent.  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 your right to obtain further credit under your Account  has 
been  terminated.  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 personalized 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. 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 or if 
your  Account  is  in  default  or  if  your  right  to  obtain  further  credit  under  your  Account  has  been 
terminated. 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. 

MAKING PAYMENTS 

Monthly Statements 
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. 
Minimum Payment 
The  Minimum  Payment  is  the  greater  of  (i)  a  specified  dollar  amount  (shown  in  the accompanying 
Summary of Terms), or (ii) the total, rounded up to the next dollar, of (A) a specified percentage  (shown 
in  the  accompanying  Summary  of  Terms)  of  your  New  Balance,  plus  (B)  Transaction  Fees,  such as 
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 such as Late Payment Fees, and Returned Payment Fees. If your New  Balance is less than 
the specified 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. 
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 the payment is received by 5 p.m. local time at  the 
remittance address shown on your statement, or is made in person at any Synovus Bank prior  to its 
close of business; payments received after 5 p.m. local time on any day at the remittance address shown 
on your statement 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 the 
foregoing  provisions,  your  Account  will  not  be  subject  to  finance  or  other  charges attributable to our 
failure to credit payments in accordance with the foregoing provisions, and 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  (APR)”,  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. Finance Charges, when 
calculated, will be rounded up to the next cent. 

 
When Interest Charges Begin to Accrue  
Subject to any time period within which to pay to avoid paying interest on Purchases, 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.  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.  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. 

Calculating the Balance Subject to Interest Rate 
Average Daily Balance of  Cash  Advances (including new Cash Advances):  To  get 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 get the  Average Daily 
Balance of Purchases, we take the beginning Purchase  balance of your Account each  day, including any 
unpaid Interest Charges or other finance 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 as 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  get 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 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, 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)  except  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)  except  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 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,  that  specified  period  runs  from  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 
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: 
Purchases and Balance Transfers 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  APR  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  APR  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 APR 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). The current Regular Monthly Periodic Rate and corresponding Annual Percentage Rate under the 
above formula are shown on the accompanying Summary of  Terms or Card Carrier. 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  APR  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 APR 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 APR following the promotional period other than the  Regular APR for Balance Transfers 
or  the  Regular  APR  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 corresponding Annual  Percentage Rate are 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  accompanying Summary of Terms. The current Monthly Periodic 
Rate  and  corresponding  Annual  Percentage  Rate  under  the  above  formula  are  shown  on  the 
accompanying Summary of  Terms or Card Carrier. 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. 

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  a  payment  (including  any  check,  ACH  transaction,  or  money  order) 
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, but 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, but 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 item, or item of correspondence, which will be added to your Account. Notwithstanding 
the foregoing, we will not impose any fee in connection with a 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  accompanying 
Summary of Terms. 

Lost Cards and Unauthorized Use 
If you notice the loss or theft of your credit 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 1-800-543-8227, or 706-644-0012 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 contains important information 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 

CB&T Card Services 
Dispute Resolution Office 
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. 

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
•  The charge in question may remain on your statement, and we may continue to charge you interest on 

that amount. 

•  While you do not have to pay the amount in question, you are responsible for the remainder of your 

balance. 

•  We can apply any unpaid amount against your credit limit. 
After we finish our investigation, one of two things will happen: 

•  If we made a mistake: You will not have to pay the amount in question or any interest or other fees 

related to that amount. 

•  If we do not believe there was a mistake:  You will have to pay the amount in question, along with 
applicable  interest  and  fees.  We  will  send  you  a  statement  of  the  amount  you  owe  and  the  date 
payment  is  due.  We  may  then  report  you  as  delinquent  if  you  do  not  pay  the  amount  we  think  you 
owe. 

If  you  receive  our  explanation  but  still  believe  your  bill  is  wrong,  you  must  write to us within  10 days 
telling  us  that  you  still  refuse  to  pay.  If  you  do  so,  we  cannot  report  you  as  delinquent  without  also 
reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
you as delinquent, and we must let those organizations know when the matter has been settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you 
question even if your bill is correct. 
Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you 
have tried in good faith to correct the problem with the merchant, you may have the right not to pay the 
remaining amount due on the purchase. 
To use this right, all of the following must be true: 

1.  The purchase must have been made in your home state or within 100 miles of your current  mailing 
address; and the purchase price must have been more than $50. (Note: Neither of these are necessary 
if  your  purchase  was  based  on  an  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that 
sold you the goods or services.) 

2.  You must have used your credit card for the purchase. Purchases made with cash advances from an 

ATM or with a check that accesses your credit card account do not qualify. 

3.  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing 
at: 

Dispute Resolution Office 
CB&T Card Services 
P.O. Box 84050 
Columbus, GA 31908-4050 

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 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 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 do 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. 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  mail 
written notice of such a change to you then in the manner  required 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  (i)  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 (ii) 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.  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. 
Change of Address, Employment and Telephone  
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, or telephone number. 

 
 
Severability 
In the event that any provision of this Agreement is determined to be invalid or unenforceable for any 
reason, 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  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 
1125 First Avenue • P.O. Box 120 
Columbus, Georgia 31902 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Interest Rates and Interest Charges 

Visa or MasterCard Platinum 

Cash Rewards Visa Platinum 

Summary of Terms 
Purchase Perks Visa Platinum 

Annual Percentage Rate 

Prime Rate plus Margin of 3.99%, 

Prime Rate plus Margin of 3.99%, 

Prime Rate plus Margin of 3.99%, 

(APR) for Purchases 

5.99%, 7.99%, 9.99% or 11.99%.** 

5.99%, 7.99%, 9.99% or 11.99%.** 

5.99%, 7.99%, 9.99% or 11.99%.** 

Private Client 
Visa or MasterCard Platinum* 
Prime Rate plus Margin of 1.00%.** 

Private Client 
Purchase Perks Visa Platinum* 
Prime Rate plus Margin of 1.00%.** 

APR for Balance Transfers 
and Overdraft Protection 
Transactions 

Prime Rate plus Margin of 3.99%, 
5.99%, 7.99%, 9.99% or 11.99%.** 

Prime Rate plus Margin of 3.99%, 
5.99%, 7.99%, 9.99% or 11.99%.** 

Prime Rate plus Margin of 3.99%, 

Prime Rate plus Margin of 1.00%.** 

Prime Rate plus Margin of 1.00%.** 

5.99%, 7.99%, 9.99% or 11.99%.** 

APR for Cash Advances 

Prime Rate plus Margin of 

Prime Rate plus Margin of 

16.99%,** (except on overdraft 
protection transactions) 

16.99% ** (except on overdraft 
protection transactions) 

Prime Rate plus Margin of 16.99% ** 
(except on overdraft protection 
transactions) 

Prime Rate plus Margin of  
7 .99% ** 

Prime Rate plus Margin of  
7 .99% ** 

(except on overdraft protection 
transactions) 

(except on overdraft protection 
transactions) 

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin 
charging interest on cash advances and balance transfers on the transaction date. 

Minimum Interest Charge 

None 

Fees 

Annual Fee 

None 

None 

None, for first twelve months. 
      After that, $50 if you choose 
      Premier Level rewards, or $12,  
      If you choose Basic Level  
      rewards 

None 

None, for first twelve months. 
      After that, $50 if you choose 
      Premier Level rewards, or $12,  
      if you choose Basic Level  
      rewards  

Transaction Fees 
•  Cash Advance 

• 

Foreign Transaction 

Penalty Fees 
• 

Late Payment 

Either $10 or 4% of the amount of each cash advance, whichever is greater (except on overdraft protection transactions) 

Either $15 or the amount of each Overdraft Protection Transaction, whichever is less, on each overdraft protection transaction 

3% of each transaction (includes transactions made in U.S. dollars and cross border transactions) 

Up to $35                    

•  Returned Payment 

Up to $25 

 
 
 
 
 
 
 
            
              Summary of Terms, Page 2 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)”. We figure the interest charge on accounts by applying the monthly periodic rate to each average daily  
balance of the account. To get the average daily balance for each transaction type, we take the beginning balance of your account each day for that transaction type, including unpaid interest charges and applicable fees, add  
any new transactions of that transaction type as of the date of the transaction, add applicable fees as of the date of posting of the transactions to which the fees relate, and subtract the applicable portion of any payments and  
credits as of the date of posting. This gives us the daily balance. Then we add all these daily balances  for the Billing Cycle for that transaction type together and divide the total by the number of days in the Billing Cycle. This  
gives us the Average Daily Balance for that transaction type. The Cash Advance Transaction Fee on Cash Advances, Overdraft Protection transactions and Promotional Check Transactions, and the Balance Transfer Transaction  
Fee (if applicable to your Account) on any Balance Transfers, are all included in the Average Daily Balance of Cash Advances. See the account agreement for more details. 

* The Private Client Visa or MasterCard Platinum and the Private Client Purchase Perks Visa Platinum credit cards are only available for qualified Private Client members and are not available at all locations. 

** These APRs will vary with the market based on the Prime Rate. For APRs shown here as having more than one possible Margin, the regular variable APRs for Purchases, Balance Transfers, Overdraft Protection  
Transactions and Cash Advances are based on your creditworthiness, as determined by our evaluation of the application and credit information at the time you apply. Monthly Periodic Rates :  For any Billing Cycle, the variable 
Monthly Periodic Rates for Purchases, Balance Transfers, Overdraft Protection Transactions and Cash Advances, to which the APRs shown here correspond, will be equal to 1/12 of the total of (i) the regular “Prime Rate” (as  
defined below) and (ii) the applicable Margin. The “Prime Rate” will be 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 Rates and corresponding APRs under the above formula may increase. 
As a result, the Interest Charges, the Minimum Payment, and the number of payments may also increase. The frequency with which these variable Monthly Periodic Rates and corresponding APR’s may increase, is monthly. 
An increase will take effect on the first day of the Billing Cycle.