Cardholder 
Agreement 
The card issuer: 
Synovus Bank 
1125 First Avenue • P.O. Box 120 
Columbus, Georgia 31902 

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.  A Balance Transfer you request on your Application will be applied to your 
Account and sent to your designated payee(s) no earlier than 10 days after your Account is opened and 
we have mailed the account opening disclosures; until we have sent the Balance Transfer request to 
your designated payee, you may cancel or modify your Balance Transfer request by calling the 
number on the back of your Card. 

DEFINITIONS 

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. 
•  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. 

(continued on Page 2)                                                                                                                             As of 02/22/12 

 
 
 
 
 
 
 
 
 
Consumer Cardholder Agreement (Page 2) 

DEFINITIONS (continued) 

•  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. 
• 
•  Margin: The amount added to the Prime Rate in the calculation of a variable Monthly 

Interest Charge: A Finance Charge attributable to the application of a periodic interest rate. 

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 Annual Percentage Rate as we apply to your Balance Transfers. 
•  Previous Balance: The balance of your Account at the beginning of a Billing Cycle. This will 

be the same as the “New Balance” shown on your previous bill. 

•  Promotional Check: Special Convenience Checks we may offer you from time to time to 
obtain Special Advances which, although they are Cash Advances, are offered at a special 
reduced Monthly Periodic Rate and corresponding Annual Percentage Rate applicable for a 
period of time specified in the promotional check offer, after which we apply a Regular 
Monthly Periodic Rate and correspond ing Annual Percentage Rate 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. 

(continued on Page 3)                                                                                                                             As of 02/22/12 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer Cardholder Agreement (Page 3) 

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. 

(continued on Page 4)                                                                                                                             As of 02/22/12 

 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
Consumer Cardholder Agreement (Page 4) 

MAKING PAYMENTS 

Monthly Stateme nts 
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 or is received by 5 p.m. Eastern Time by online payment at our website listed on 
your statement, or is received by 5 p.m. Eastern Time by telephone payment at our customer service 
telephone number listed on your statement; payments received after 5 p.m. local time on any day at the 
remittance address shown on your statement, or received after 5 p.m. Eastern Time on any day by such 
online payment, or by such telephone payment, will be credited as of the next day. Any other 
payments may be subject to a delay in crediting of up to 5 days after the date of receipt. If we fail to 
credit payments in accordance with 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  

(continued on Page 5)                                                                                                                             As of 02/22/12 

 
 
 
 
 
 
 
 
 
 
Consumer Cardholder Agreement (Page 5) 

How Interest Charges and Other Finance Charges Are Determined (continued) 

accompanying the Promotional Check offer, and (iii) on each Overdraft Protection transaction (if 
applicable to your Account), in an amount determined as provided in the accompanying Summary of 
Terms; and (2) Interest Charge amounts computed by applying the applicable Monthly Periodic Rate 
or Rates, determined as provided below under “Computing the Monthly Periodic Rates and 
corresponding Annual Percentage Rate”, to (i) your Average Daily Balance of Cash Advances 
(including new Cash Advances), and (ii) your Average Daily Balance of Purchases (including new 
Purchases), and (iii) your Average Daily Balance of Balance Transfers (including new Balance 
Transfers), and (iv) each Average Daily Balance of Special Advances (including new Special 
Advances) and yo ur 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. 

Paying Interest 
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. No Interest Charge on Purchases will be imposed for any Billing Cycle in 
which the Previous Balance is zero or a credit balance, or is paid in full by the Payment Due Date 
shown on the statement for the previous Billing Cycle. Interest Charges on Cash Advances, Special 
Advances (consisting of Overdraft Protection transactions, or Promotional Check transactions) and 
Balance Transfers, will be imposed at the applicable Monthly Periodic Rates from the date each Cash 
Advance, Overdraft Protection transaction, Promotional Check transaction or Balance Transfer is 
made and will continue to accrue on unpaid balances as long as it remains unpaid. There is no time 
period within which to pay to avoid Interest Charges on Cash Advances, Overdraft Protection 
transactions, Promotional Check transactions or Balance Transfers. How to Avoid Paying Interest on 
Purchases: Your due date will be at least 25-days after the close of each Billing Cycle. We will not 
charge you any interest on Purchases if you pay your entire New Balance by the due date each month. 

Calculating the Balance Subject to Interest Rate 
Average Daily Balance of Cash Advances (including new Cash Advances): To 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 Advanc es (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. 

(continued on Page 6)                                                                                                                             As of 02/22/12 

 
 
 
 
 
 
 
 
 
 
Consumer Cardholder Agreement (Page 6) 

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 on Purchases, add any new Purchases as of the date of transaction, and 
subtract the applicable portion of any payments and credits as of the date of posting. (However, we 
subtract the applicable portion of any payments you paid by the due date during the Billing Cycle, as 
of the first day of the Billing Cycle.) This gives us the daily balance for Purchases. Then we add all 
these daily balances for the Billing Cycle together and divide the total by the number of days in the 
Billing Cycle. This gives us the Average Daily Balance of Purchases. 

Average Daily Balance of Balance Transfers (including new Balance Transfers): 
To 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/or Card Carrier or, in the case of Promotional 
Check or other special offers we may make in the future, will be specified in the disclosures 
accompanying the special offer. (For any rates specified in the accompanying Summary of Terms or 
Card Carrier as “Introductory” for a specified period, those Introductory rates will expire no less than 
the specified period after the opening of your Account.) Except during periods and with respect to 
balances for which any special or introductory Monthly Periodic Rate is applicable, each Monthly 
Periodic Rate and corresponding Annual Percentage Rate applicable to your Account will be 
determined as described below under “Regular Monthly Periodic Rates”. 

(continued on Page 7)                                                                                                                             As of 02/22/12 

 
 
 
 
 
 
 
 
Consumer Cardholder Agreement (Page 7) 

Regular Monthly Periodic Rates: One or more Regular Monthly Periodic Rates and corresponding 
Annual Percentage Rates apply to your Account, as shown in the accompanying Summary of Terms 
and/or Card Carrier or, in the case of Promotional Check or other special offers we may make in the 
future, as specified in the disclosures accompanying the special offer. (For example, the Monthly 
Periodic Rate and corresponding Annual Percentage Rate applicable to Purchases and Balance 
Transfers may be different from the Monthly Periodic Rate and corresponding Annual Percentage Rate 
applicable to Cash Adva nces.) The rates apply to your Account as follows: 

Purchases and Balance Transfers and Special Advances: The Regular Monthly Periodic Rate and 
corresponding Annual Percentage Rate applicable to your Average Daily Balance of Purchases and 
your Average Daily Balance of Balance Transfers and your Average Daily Balance of Overdraft 
Advances and each Average Daily Balance of Special Advances (for any Promotional Check balances 
which, in the Promotional Check offer, we specify will have the same Regular Annual Percentage Rate 
as Balance Transfers following the promotional period) is specified in the accompanying Summary of 
Terms or Card Carrier and, unless otherwise specified in the accompanying Summary of Terms or 
Card Carrier, will be the same for each such Average Daily Balance. If the Monthly Periodic Rate and  
corresponding Annual Percentage Rate are a variable rate, this will be specified in the accompanying  
Summary of Terms. If a variable rate, the following applies: The Regular Monthly Periodic Rate and 
corresponding Annual Percentage Rate applicable to your Average Daily Balance of Purchases, your 
Average Daily Balance of Balance Transfers, your Average Daily Balance of Overdraft Advances and 
each Average Daily Balance of Special Advances (for any Promotional Check balances which, in the 
Promotional Check offer, we specify will have the same Regular Annual Percentage Rate as Balance 
Transfers following the promotional period) may vary. The Regular Monthly Periodic Rate applied in 
any Billing Cycle to the Average Daily Balance of Purchases and to the Average Daily Balance of 
Balance Transfers and to the Average Daily Balance of Overdraft Advances and to each Average 
Daily Balance of Special Advances (for any Promotional Check balances which, in the Promotional 
Check offer, we specify will have the same Regular Annual Percentage Rate as Balance Transfers 
following the promotional period), will be equal to 1/12 of the total of (i) the “Prime Rate” (as defined 
below) and (ii) the applicable Margin as shown in the accompanying Summary of Terms. The “Prime 
Rate” used is the highest Prime Rate published in the “Money Rates” section of The Wall Street 
Journal on the last day of the calendar month in which the Billing Cycle begins (or if not published on 
that day, on  the date of its next publication following that date). 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 Annual 
Percentage Rate as Balance Transfers following the promotional period), including both existing 
balances and new transactions, and determined as described above. (The Regular Monthly Periodic 
Rate and corresponding Annual Percentage Rate applicable to each Average Daily Balance of Special 
Advances for any Promotional Check balances which, in the Promotional Check offer, we specify will 
have the same Regular Annual Percentage Rate as Cash Advances following the promotional period, 
will be determined as provided below under “Cash Advances”. The Regular Monthly 
Periodic Rate and corresponding Annual Percentage Rate applicable to any Average Daily Balance of  
Specia l Advances for any Promotional Check balances which, in the Promotional Check offer, we 
specify will have a Regular Annual Percentage Rate following the promotional period other than the 
Regular Annual Percentage Rate for Balance Transfers or the Regular Annual Percentage Rate for 
Cash Advances, will be determined as described in the Promotional Check offer.). 

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Consumer Cardholder Agreement (Page 8) 

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. 

Employee Preferential Rates: If your Summary of Terms and/or Card Carrier disclose information 
regarding Loss of Employee Preferential APRs, this means that your Regular Monthly Periodic Rates 
and corresponding APRs are preferential rates extended to you because you are an employee, officer 
or director of Synovus Bank or one of its affiliated companies or of Total System Services, Inc. or one 
of its affiliated companies. If that relationship ceases for any reason, we may increase your Regular 
Monthly Periodic Rates and corresponding Annual Percentage Rates to the higher rates as disclosed in 
your Summary of Terms and/or Card Carrier. Such a change would require at least 45 days advance 
notice, and in any event would not become effective until at least 12 months after the opening of your 
Account, and when effective would apply the increased Monthly Periodic Rates and corresponding 
APRs to transactions made on or after the effective date of such increase. The employee preferential 
Monthly Periodic Rates and corresponding APRs then in effect would continue to apply to 
transactions made prior to that date. We may keep the increased Monthly Periodic Rates and 
corresponding APRs in effect indefinitely. 

Other Charges 
In addition to Finance Charges, a variety of fees and charges may be applied to your Account, as 
follows: 
Late Payment Fee: If your Minimum Payment Due is not credited to your Account on or before the 
Payment Due Date, you may be charged a Late Payment Fee of up to $35. However, the fee will never 
be greater than the Minimum Payment Due. 
Returned Payment Fee: If 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”). 

(continued on Page 9)                                                                                                                             As of 02/22/12 

 
 
 
 
 
 
 
Consumer Cardholder Agreement (Page 9) 

Annual Fe e: If applicable to your account, an annual fee will apply as shown in the accompanying 
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.) 
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 tells you about your rights and our responsibilities under the Fair Credit Billing Act. 
What to Do If You Find a Mistake On Your Statement 
If you think there is an error on your statement, write to us at 

Synovus Bank 
Dispute Resolution Office 
Card Services 
P.O. Box 84050 
Columbus, GA 31908-4050 

In your letter, give us the following information: 
• Account Information: Your name and account number. 
• Dollar amount: The dollar amount of the suspected error. 
• Description of problem: If you think there is an error on your bill, describe what you believe is  
  wrong and why you believe it is a mistake. 
You must contact us: 
• Within 60 days after the error appeared on your statement. 
• At least 3 business days before an automated payment is scheduled, if you want to stop payment on  
   the amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if  you do we are not 
required to investigate any potential errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also  
     tell you if we have already corrected the error. 
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we  
     believe the bill is correct. 

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. 

(continued on Page 10)                                                                                                                             As of 02/22/12 

 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer Cardholder Agreement (Page 10) 

What Will Happen After We Receive Your Letter (continued) 

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 pay- 
   ment 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 delinque nt, and we must let those organizations know when the matter has been settled 
between us. 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you 
question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have purchased with your credit card, and 
you have tried in good faith to correct the problem with the merchant, you may have the right not to 
pay the remaining amount due on the purchase. 
To use this right, all of the following must be true: 
1. The purchase must have been made in your home state or within 100 miles of your current mailing  
    address; and the purchase price must have been more than $50. (Note:  Neither of these are  
    necessary if your purchase was based on an advertisement we mailed to you, or if we own the  
    company that sold you the goods or services.) 
2. You must have used your credit card for the purchase. Purchases made with cash advances from an  
    ATM or with a check that accesses your credit card account do not qualify. 
3. You must not yet have fully paid for the purchase. 

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

Synovus Bank 
Dispute Resolution Office 
Card Services 
P.O. Box 84050 
Columbus, GA 31908-4050 

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. 

(continued on Page 11)                                                                                                                             As of 02/22/12 

 
 
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer Cardholder Agreement (Page 11) 

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 payme nt instrument that indicates that the payment constitutes “payment in full” of the 
amount owed or that is tendered with other conditions or limitations or as full satisfaction of a 
disputed amount, must be mailed or delivered to Synovus Bank, Dispute Resolution Office, Card 
Services, P.O. Box 84050, Columbus, GA 31908-4050. 

Credit Reports and Information 
You authorize us to make or have made any credit, employment and investigative inquiries, including 
obtaining consumer reports on you, as we deem appropriate in connection with your application for or 
the extension of credit on the Account, or the update, renewal or review of the Account, or the 
collection of amounts owing on the Account. Upon your request, we will inform you whether or not a 
consumer report was requested, and if one was requested, of the name and address of the consumer 
reporting agency that furnished the report. We can furnish information concerning your Account or 
credit file to consumer reporting agencies and others who may properly receive that information. 

Notice of Inaccurate Information 
If you believe that we have information about you that is inaccurate or that we have reported or may 
report to a credit reporting agency information about you that is inaccurate, please notify us of the 
specific information that you believe is inaccurate by writing to us at Card Services, P.O. Box 84050, 
Columbus, GA 31908-4050. 

Collection and Default 
Unless prohibited by applicable law, your Account is considered to be in default if (1) you do not 
make at least the Minimum Payment on or before the Payment Due Date, (2) you try to exceed or 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. 

(continued on Page 12)                                                                                                                             As of 02/22/12 

 
 
 
 
 
 
 
 
 
 
 
 
Consumer Cardholder Agreement (Page 12) 

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 transactio ns 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. 

(continued on Page 13)                                                                                                                             As of 02/22/12 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer Cardholder Agreement (Page 13) 

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 sub ject 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 arbitratio n 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. 

(continued on Page 14)                                                                                                                             As of 02/22/12 

 
 
 
 
 
Consumer Cardholder Agreement (Page 14) 

Arbitration of Disputes (continued) 

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 

                                                                                                                                                                      As of 02/22/12