Credit Card Cardholder Agreement 

READ THIS ENTIRE AGREEMENT CLOSELY. IT CONTAINS IMPORTANT DISCLOSURES AND THE TERMS OF 
YOUR CREDIT CARD ACCOUNT. 

CONSUMER CREDIT CARDHOLDER AGREEMENT 

This Agreement governs the use of your Visa® Card Account and contains both your and our respective 
responsibilities. Please read it in its entirety and keep it for your reference. The accompanying Summary 
of Terms is incorporated into and made a part of this Agreement. In addition, the application, 
acceptance certificate or other request you signed or submitted for this Account (the “Application”), our 
Card and the Card Carrier that we send with your Card, and your signature (including any electronic or 
digital signature) on any Application, sales slip or other evidence of indebtedness on your Account, are 
incorporated into and made a part of this Agreement. 

This Agreement begins on the earlier of (i) the date you sign or submit an Application that we approve 
or (ii) the first date that we extend credit to you on your Account, including by means of a Purchase 
transaction, a Cash Advance transaction, a Balance Transfer transaction, a Special Advance transaction, 
your use of a Convenience Check, or any other extension of credit. A Balance Transfer you request on 
your Application will be applied to your Account and sent to your designated payee(s) no earlier than 10 
days after your Account is opened and we have provided the account opening disclosures to you. On the 
same day as 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 during our business hours. 

DEFINITIONS 

The definitions listed below will apply throughout this Agreement and in your monthly statement. In 
addition, the words you, your, and yours refer to the Cardholder(s) who holds the Card and is 
responsible for the Account. The words we, us, and our refer to Synovus Bank, Columbus, Georgia. 

Account: The credit card account for which you were issued a Card that is subject to all terms and 
conditions of this Agreement. 

Annual Percentage Rate: A measure of the cost of credit, expressed as a yearly rate. 

ATM: Automated Teller Machine. 

Authorized User: The person(s) authorized by a Cardholder to obtain credit under an Account, whether 
named in an application as an Authorized User or otherwise. 

Average Daily Balance: A balance amount for a particular type of Account transaction, as calculated in 
accordance with the provisions of this Agreement. 

Balance Transfer: A transaction in which, pursuant to your request, we issue a check on your behalf 
directly to another financial institution to transfer to your Account all or a portion of an outstanding 
balance you owe. Your use of a Convenience Check or your Card, or any Cash Advance obtained by such 
use, to pay all or a portion of such an outstanding balance is not a Balance Transfer for the purposes of 

 
this Agreement. A Balance Transfer (with the exception of a Promotional Balance Transfer) is not a Cash 
Advance. 

Billing Cycle: The time interval covered by a monthly statement. Each Billing Cycle is approximately 30 
days in length. 

Card: Any Visa credit card issued by us in connection with your Account, which you or any Authorized 
User(s) may use to obtain certain Cash Advances, make Purchases, or lease goods or services on credit 
pursuant to the terms of this Agreement. Use of your Account number or Card number to obtain credit 
will be considered a use of the Card. 

Card Carrier: The mailed carrier that contains your Card. 

Cardholder: The Person to whom a Card is issued, or who has agreed to pay obligations arising from a 
Card issued to another Person. 

Cash Advance: Credit extended in the form of a cash loan through any financial institution honoring the 
Card. The Card may be presented directly or through any other credit instrument, check, device, 
overdraft protection coverage or ATM that we make available to you. 

Cash Advance Limit: The maximum percentage of your Credit Limit that you may use for Cash Advances. 
This limit will be displayed in the Card Carrier, on your statements and on your online Account page. The 
Cash Advance Limit is subject to change at our discretion, and we will communicate any such change to 
you in writing no less than [thirty (30) days prior to it taking effect]. 

Closing Date: The date of the last day of a Billing Cycle. 

Convenience Check: Any check we make available to you for the purpose of drawing against your 
Account. 

Credit Limit: The maximum amount of credit available to you on your Account. 

Finance Charge: A fee or charge representing the cost of borrowing on your Account. 

Grace Period: The period of at least 25 days between the close of each Billing Cycle and your Payment 
Due Date for such Billing Cycle. We will not charge you interest on Purchases and Balance Transfers if 
you pay your entire balance by the Payment Due Date of each month. You may have an interest-free 
period (Grace Period) to repay your balance for Purchases and Balance Transfers before Interest Charges 
are imposed. We will not charge interest to your Account on new Purchases or Balance Transfers when 
the following occurs: 

1)  Your New Balance shown on your monthly statement for the previous Billing Cycle is paid in full by 

the Payment Due Date; or 
2)  Your previous balance is zero; or 
3)  Your previous balance is a credit balance. 

If none of these conditions occur, Interest will be imposed on Purchases and Balance Transfers from the 
date they are posted to your Account. The next time you pay your entire New Balance in full by the 
Payment Due Date, the Grace Period will apply to Purchases and Balance Transfers. 

Interest Charge: A Finance Charge attributable to the application of a periodic interest rate. 

Margin: The amount added to the Prime Rate in the calculation of a variable Monthly Periodic Rate. 
“Prime Rate” is defined below in this Agreement under “Regular Monthly Periodic Rates.” 

New Balance: The total outstanding Account balance on the Closing Date specified in your monthly 
statement. 

Overdraft Protection Transaction or Overdraft Advance: If applicable to your Account, an advance we 
make to cover overdrafts on a designated deposit account maintained with us or with a financial 
institution that is our affiliate or subsidiary. Although they are Cash Advances, Overdraft Protection 
Transactions are included in a separate Average Daily Balance of Overdraft Advances, to which we apply 
the same Introductory or Regular Monthly Periodic Rate and corresponding Annual Percentage Rate as 
we apply to your Balance Transfers. 

Previous Balance: The balance of your Account at the beginning of a Billing Cycle. This will be the same 
as the “New Balance” shown on your previous bill. 

Promotional Balance Transfer: Special Balance Transfers that we may offer you from time to time to 
obtain Special Advances which, although they are Cash Advances, are offered at a special reduced 
Monthly Periodic Rate and corresponding Annual Percentage Rate applicable for a period of time 
specified in the promotional balance transfer offer. 

Promotional Check: Special Convenience Checks we may offer you from time to time to obtain Special 
Advances which, although they are Cash Advances, are offered at a special reduced Monthly Periodic 
Rate and corresponding Annual Percentage Rate applicable for a period of time specified in the 
promotional check offer. 

Purchase: Any extension of credit to your Account for the purpose of purchasing or leasing goods or 
services from participating establishments. 

Other Charges: Charges to your Account other than Finance Charges. 

Periodic Rate: The percentage rate of Interest Charge imposed against a balance for a period. In this 
Agreement, a “Monthly” Periodic Rate is used. 

Special Advances: Credit we may extend to you in the form of Promotional Balance Transfers or 
Promotional Checks. 

Total Average Daily Balances: The total of your (i) Average Daily Balance of Purchases, (ii) Average Daily 
Balance of Balance Transfers, (iii) Average Daily Balance of Overdraft Advances, (iv) Average Daily 
Balance of Cash Advances and (v) Average Daily Balance of Special Advances. 

Transaction Fee: A fee charged in connection with a Transaction. 

Unauthorized Use: The use of a Card by a person, other than the Cardholder, who does not have actual, 
implied or apparent authority for such use, and from which the Cardholder received no benefit. 

 
 
 
USING YOUR CREDIT CARD 

Purchases, Cash Advances or Balance Transfers 

You may use your Card or Convenience Checks to purchase or lease goods or services from participating 
establishments. You also may use your Card to obtain Cash Advances from your Account at an ATM, or 
by presenting the Card to us, or to any institution that accepts the Card for that purpose. To protect you, 
we restrict Cash Advances using this Card to $1000 per ATM transaction and $1500 per over-the-counter 
transaction. In addition, only three Cash Advance transactions may be made per day, and the total 
outstanding Cash Advance balance on your Account at any given time may not exceed the Cash Advance 
Limit applicable to your account at that time. You also may use your Card to obtain Balance Transfers, 
subject to the Balance Transfer terms described in this Agreement. We may limit the use of the Account 
at our discretion. Such limitations include, but are not limited to, Internet-related gambling transactions. 
Your Account/Card will be restricted from online betting activity, which includes, but is not limited to, 
lottery tickets, casino gambling chips, off-track betting, and wagers at racetracks. You will owe us for 
these amounts, plus any applicable Finance Charges and other applicable charges or fees, payable in U.S. 
dollars. 

Recurring Preauthorized Transactions 

Recurring preauthorized transactions occur when you authorize a merchant to automatically initiate a 
transaction using your Account on a recurring basis. If we issue a new Card with a different number or 
expiration date to you, we may (but are not obligated to) provide your new card number and expiration 
date to a merchant with whom you have set up a recurring preauthorized transaction in order to 
continue your recurring preauthorized transactions. By signing this Agreement, you authorize us to 
provide your new card number and expiration date to such merchants. Synovus updates the merchants 
through Visa using the Visa Account Updater Service. Merchants use the Visa Account Updater Service 
which allows them to automatically receive new credit card number and expiration date associated with 
your Account, however, not all merchants subscribe to this service. There will be circumstances where 
you will instead have to contact the merchant to provide updated card information. Synovus shall not be 
responsible for any failed recurring preauthorized transactions with merchants after a new Card is 
provided, so be sure to confirm your card information with merchants with which you have recurring 
preauthorized transactions set up. 

Your Credit Limit 

Your Credit Limit and Cash Advance Limit are disclosed to you when you receive your Card and, 
generally, on each monthly statement. The Credit Limit is the total amount of credit available for your 
Account; however, only a portion of that is available for Cash Advances. 

The Cash Advance Limit is the amount you have available for Cash Advances. The amount of credit 
available under the Cash Advance Limit will never exceed the total amount of credit available under the 
Credit Limit. 

We may change your Credit Limit from time to time and will notify you accordingly. We base that 
decision on a variety of factors such as your payment and transaction history with us, and information 
we receive from third parties, including credit reporting agencies. The amounts shown on your monthly 
statement as available credit do not take into account Purchases, Balance Transfers, Cash Advances, 

interest and other Finance Charges or fees, any other transactions, or credits which post to your 
Account after the Closing Date of that monthly statement. We may delay increasing your available credit 
for up to ten (10) days after you make a payment. Your Credit Limit (and balances in excess of your 
Credit Limit) may be treated differently based on the type of Account you have. If you are not sure 
which type of Account you have, please look at your Card, review your Card Carrier, or call us at 1-888-
SYNOVUS (796-6887). 

You may not use your Account in any way that would exceed your Credit Limit. However, in certain 
circumstances, Purchases, Cash Advances or other transactions using your Card or Account may be 
approved even if they will result in your balance exceeding your Credit Limit. In the event that you do 
use your Card or Account in a manner that results in your balance exceeding your Credit Limit, you are 
liable for and must repay the excess amount according to the terms of this Agreement. 

Credit Authorizations 

Subject to applicable law, we may limit or refuse to authorize or accept any transaction on your Account 
for any reason, including but not limited to a transaction that would cause you to exceed your Credit 
Limit, or your Account being delinquent. We will not be liable to you or any third party for limiting or 
refusing to authorize or accept any transaction on your Account, or if (1) we close your Account; (2) 
anyone refuses your Card, Check, or Account; or (3) we stop (or do not stop) a payment on a Check. 
Unless otherwise required by law, we will not be liable for goods or services you purchased or leased 
using your Account. 

Balance Transfer Checks 

You agree that any check we issue on your behalf to a financial institution other than us or our affiliates 
for the purpose of effecting a Balance Transfer at your request (“Balance Transfer Check”) will not be 
returned to you. We are entitled to return a Balance Transfer Check unpaid if there is not enough 
available credit in your Account, if your Account is in default, or if we have terminated your right to 
obtain further credit under your Account. If we honor the Balance Transfer Check under these 
circumstances, the amount in excess of your Credit Limit will be due immediately. We may pay Balance 
Transfer Checks dated more than six months prior to the date they are presented for payment. We will 
not certify a Balance Transfer Check. 

If you request a Balance Transfer when you open your Account, it may not be processed for up to 10 
days from account opening date to allow us time to provide you with legally required disclosures. 
Balance Transfer(s) do not earn rewards under reward programs. The minimum amount of a Balance 
Transfer is $100. We will only approve Balance Transfer amounts that are at least $200 under your 
Credit Limit. For example, if your Credit Limit is $2,000, we will only approve a Balance Transfer of 
$1,800 or less. 

Convenience Checks 

We may supply you with Convenience Checks that are subject to the following conditions. Payment of a 
Convenience Check will be treated as a Cash Advance on your Account, subject to the Cash Advance 
Transaction Fee described herein. The amount of the Convenience Check will be added to the Cash 
Advance balance on your Account, subject to interest charges, as of the date the Convenience Check is 
deposited. Your Convenience Check must be written in U.S. dollars. Only the person(s) whose name(s) 

appears on the Convenience Check may sign it. A Promotional Check used after the date specified in the 
promotional check offer as the date by which it must be used to obtain the special promotional offer, is 
not treated as a Promotional Check but instead is treated as a regular Convenience Check and a 
transaction resulting from its use as a regular Cash Advance. We are authorized to pay any Convenience 
Check drawn on your Account even if the signature does not correspond exactly to the signature on our 
records. 

You agree that Convenience Checks written on your Account will not be returned to you. We are 
entitled to return your Convenience Check unpaid if there is not enough available credit in your Account, 
if your Account is in default, or if we have terminated your right to obtain further credit under your 
Account. If we honor the Check under these circumstances, the amount in excess of your Credit Limit 
will be due immediately. You may not use a Convenience Check to make payments on your Synovus 
Account or other debt you have with us or our affiliates. We may pay Convenience Checks dated more 
than six months prior to the date they are presented for payment. You may not write a postdated 
Convenience Check, but we may pay a Convenience Check regardless of a post-date. We will not certify 
a Convenience Check. 

Overdraft Protection 

If you choose to use your Account for Overdraft Protection coverage, you agree that Cash Advances will 
be automatically made from your credit card Account to your designated Synovus Bank Deposit Account 
(the “Deposit Account”) on occasions when the amount of the Deposit Account debits authorized by 
authorized party(ies) are in excess of the balance available in the Deposit Account. These debits may be 
checks or drafts written by authorized party(ies), automatic withdrawals by authorized party(ies), check 
card transactions made by authorized party(ies); or any other debits authorized or originated by 
authorized party(ies). Each such cash advance (an “Overdraft Advance”) must be repaid as a part of your 
total indebtedness under this Agreement with all applicable Finance Charges and fees as described in 
the Summary of Terms. The Credit Limit applicable to your credit card Account from time to time 
pursuant to this Agreement will not be increased or expanded because of Overdraft Advances. By 
participating in the Overdraft Protection coverage, you acknowledge and agree to the following: (i) the 
privileges attached to this Overdraft Protection coverage are contingent upon you maintaining and 
properly handling both the Deposit Account and the credit card Account; (ii) the Overdraft Protection 
will immediately terminate upon the closing of either the credit card Account or the Deposit Account for 
any reason; (iii) we may review the Account involved  in this Agreement and, upon a finding of any 
misuse, fraudulent behavior, or violation of the terms of this Agreement, we may withdraw any 
Overdraft Protection coverage or suspend your use of the Card or other credit extended under your 
Account; (iv) it is possible that an Overdraft Advance may result in creating a credit card Account 
balance in excess of your approved Credit Limit, or exceeding the available credit under any lower limit 
you may assign to your credit card Account (which also applies to Overdraft Advances), which may cause 
Purchase or Cash Advance transactions with your Card to be declined. However, we are not obligated to 
make such Overdraft Advances that would exceed your Credit Limit; and (v) we reserve the right to 
process, under normal return procedures, any check or debit items which would create an excess 
balance or any other situation in violation of this or any other agreement between us and you. You 
acknowledge that you can choose to terminate the Overdraft Protection coverage on your credit card at 
any time by calling us at the number on the back of your Card and following the procedures for 
cancellation of the coverage. 

Authorized Users 

You may designate Authorized Users of the Account and may request Cards for those Authorized Users. 
You may set a maximum amount of credit (in an amount less than the Credit Limit) as a spending limit 
assigned to the Card for an Authorized User; provided that the maximum amount of credit you set for 
each Authorized User may not, in the aggregate, exceed the Credit Limit. In addition, the aggregate 
outstanding balance for the Account may not exceed the Credit Limit, without regard to any maximum 
amount of credit established for each Authorized User. 

You are responsible for the use of the Account by any Authorized User. You may request to have an 
Authorized User removed from your Account and we will use reasonable efforts to deactivate such 
user’s Card promptly upon your request. However, you are responsible for collecting and destroying any 
Cards that the Authorized User has in their possession. Your request to remove an Authorized User will 
not relieve you of responsibility for the charges the authorized user has made on your Account. 

Authorized Users are permitted to use the card issued to them under the Account, make payments on 
the Account, report their Card as lost/stolen, confirm a fraudulent transaction on their Card, and initiate 
a dispute on the Account for transactions posted on their Card. Additionally, each Authorized User may: 
obtain basic card Account information (including information such as spending limit available for their 
Card, Payment Due Date, etc.). Under no circumstances will an Authorized User be permitted to: discuss 
your credit information; close or reopen the Account; obtain assistance in registering/accessing our 
website; or request the following: name changes; Credit Limit changes; replacement Cards; the addition 
of Authorized Users; or removal of a cardholder (except that an Authorized User will be permitted to 
remove themselves as an Authorized User on the Account). 

MAKING PAYMENTS 

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. 

Monthly Statements 

We will send you an Account statement for each Billing Cycle at the end of which your Account has a 
debit balance of $5 or more, or on which a finance charge has been imposed, or as otherwise required 
by applicable law. 

We will send you an Account statement for each Billing Cycle at the end of which your Account has a 
credit balance of $1 or more, or on which a finance charge has been imposed, or as otherwise required 
by applicable law. If your Account has a credit balance of $1 or more, you may request a credit balance 
refund by contacting us. If we do not receive a credit balance refund request from you, we will issue a 
credit balance refund to you after four Billing Cycles during which your Account has a credit balance of 
$1 or more. 

Annual Summary Statement 

In addition to a monthly statement, you may be able to request an optional annual summary statement 
of your Account, which will be provided at the fees specified in this Agreement. 

 
Minimum Payment 

The Minimum Payment is the greater of (i) the dollar amount shown in the accompanying Summary of 
Terms, or (ii) the total, rounded up to the next dollar, of (A) the specified percentage (shown in the 
accompanying Summary of Terms) of your New Balance, plus (B) any applicable Cash Advance 
Transaction Fees or Foreign Transaction Fees, plus (C) any Penalty fees (e.g. Late Payment Fees and 
Returned Payment Fees.) If your New Balance is less than the dollar amount shown in the accompanying 
Summary of Terms, the Minimum Payment is your entire New Balance. If you elect not to pay your New 
Balance in full, you must pay at least the Minimum Payment so that it is credited to your Account by the 
“Payment Due Date” shown on your statement, which is at least 25 days after the Closing Date of the 
Billing Cycle. Your Minimum Payment will also include any past due amount and any amount by which 
the New Balance exceeds your Credit Limit, whichever of these two is greater. 

Application of Payments 

We reserve the right to apply payments to your Account in any manner we choose at our sole discretion, 
in accordance with applicable law. To comply with federal law, when applicable we (i) apply portions of 
payments in excess of the Minimum Payment to balances with the highest Annual Percentage Rates 
first, using a method permitted by those rules, and (ii) apply portions of on-time partial payments as of 
the start of the Billing Cycle to Purchases still subject to the Grace Period at the end of the previous 
Billing Cycle, determined in accordance with applicable law. 

Security Interest 

If we now, or in the future, hold any title, pledge or security interest in any of your property other than a 
residence, it may be that the terms of the instrument creating such title, pledge or security interest will 
also secure your obligations on this Account. 

Posting of Payments 

Payments will be posted to your Account as of the date received, if (1) the payment is received by 5:00 
p.m. local time at the remittance address shown on your statement, (2) is made in person at any 
Synovus Bank prior to its close of business, (3) is received by 5:00 p.m. Eastern Time by online payment 
at our website listed on your statement, or (4) is received by 5:00 p.m. Eastern Time by telephone 
payment to our customer service telephone number listed on your statement. Payments received after 
5:00 p.m. local time on any day at the remittance address shown on your statement, or received after 
5:00 p.m. Eastern Time on any day by such online payment, or by such telephone payment, will be 
posted as of the next day. Any other payments may be subject to a delay in posting of up to 5 days after 
the date of receipt. If we fail to post payments in accordance with these provisions, your Account will 
not be subject to Finance Charges or other charges attributable to our failure to post payments as these 
provisions require. If any such Finance Charges or other charges are imposed, we will adjust your 
Account so that the charges imposed are posted to your account during the next Billing Cycle. While we 
try to reflect payments on your Account in your available credit amount promptly after the payment has 
posted, it may take up to 10 calendar days after your payment has posted for it to reflect in your 
available credit amount. All payments on your Account must be made in U.S. dollars. 

 
HOW INTEREST CHARGES AND OTHER FINANCE CHARGES ARE DETERMINED 

Your Finance Charge for any Billing Cycle will include the following components, the total of which 
constitutes your total Finance Charge for the Billing Cycle: 

(1) a Cash Advance Transaction Fee, imposed (i) on each Cash Advance transaction posted during a 
Billing Cycle, in an amount determined as provided in the accompanying Summary of Terms, (ii) on each 
Promotional Check transaction posted during a Billing 

Cycle, in an amount determined as provided in the accompanying Summary of Terms, 

unless a different amount is specified in the disclosures accompanying the Promotional 

Check offer, (iii) on each Promotional Balance Transfer transaction posted during a Billing 

Cycle, in an amount determined as provided in the accompanying Summary of Terms, 

unless a different amount is specified in the disclosures accompanying the Promotional 

Balance Transfer offer, and (iv) on each Overdraft Protection transaction (if applicable to 

your Account), in an amount determined as provided in the accompanying Summary of 

Terms; and 

(2) Interest Charge amounts computed by applying the applicable Monthly Periodic Rate 

or Rates, determined as provided below under “Computing the Monthly Periodic Rates 

and corresponding Annual Percentage Rate”, to (i) your Average Daily Balance of Cash 

Advances (including new Cash Advances), (ii) your Average Daily Balance of Purchases 

(including new Purchases), (iii) your Average Daily Balance of Balance Transfers 

(including new Balance Transfers), (iv) your Average Daily Balance of Special Advances 

(including new Special Advances), and (v) your Average Daily Balance of Overdraft 

Advances (including new Overdraft Advances); and 

(3) In addition, for certain Card types, we will charge a Foreign Transaction Fee in the amount 

shown on the Summary of Terms for all Foreign Transactions posted during a Billing Cycle. 

A “Foreign Transaction” is any transaction (1) made in a foreign currency, or (2) made in 

U.S. dollars if the transaction is made or processed outside of the United States. If you are 

not sure which type of Card you have, please look at your Card, review your Card Carrier, or 

call us at 1-888-SYNOVUS (796-6887). 

The Foreign Transaction Fee applies to the following credit cards: 

• Synovus Classic Visa 

• Synovus Rewards Visa 

• Synovus Cash Rewards Visa 

• Synovus Cash Rewards Visa Signature 

The Foreign Transaction Fee does not apply to the following credit cards: 

• Synovus Travel Rewards Visa 

• Synovus Travel Rewards Visa Signature 

Finance Charges, when calculated, will be rounded up to the next cent. 

Paying Interest 

When Interest Charges Begin to Accrue: Interest Charges on Purchases and Balance Transfers 

will be imposed at the applicable Monthly Periodic Rates from the date each Purchase is made 

and will continue to accrue on unpaid balances as long as they remain unpaid subject to any 

time period within which to pay to avoid paying interest on Purchases. No Interest Charge on 

Purchases and Balance Transfers will be imposed for any Billing Cycle in which the Previous 

Balance is zero or a credit balance, or is paid in full by the Payment Due Date shown on 

the statement for the previous Billing Cycle. Interest Charges on Cash Advances, Overdraft 

Protection transactions, and Special Advances (consisting of Promotional Check transactions 

and Promotional Balance Transfer transactions) will be imposed at the applicable Monthly 

Periodic Rates from the date each Cash Advance, Overdraft Protection transaction, Promotional 

Check transaction or Promotional Balance Transfer transaction is made, and will continue to 

accrue on unpaid balances as long as it remains unpaid. 

How to Avoid Paying Interest on Purchases and Balance Transfers: Your Payment Due 

Date will be at least 25-days after the close of each Billing Cycle. We will not impose any Interest 
Charges on Purchases and Balance Transfers if you pay your entire New Balance by the 

Payment Due Date each month. 

Calculating the Balance Subject to Interest Rate 

Average Daily Balance of Cash Advances (including new Cash Advances): To 

calculate the Average Daily Balance of Cash Advances, we take the beginning Cash Advance 

balance of your Account each day, including unpaid Interest Charges on Cash Advances 

(which balance may also include unpaid Transaction Fees of the kinds mentioned below and 

unpaid Interest Charges thereon), add any new Cash Advances as of the date of transaction, 

add the Cash Advance Transaction Fee on any Cash Advances, Overdraft Protection 

transactions, Promotional Check transactions and Promotional Balance Transfers, as of the 

date of transaction of each Cash Advance, Overdraft Protection transaction, Promotional 

Check transaction or Promotional Balance Transfer, and subtract the applicable portion of 

any payments and credits as of the date of transaction. This gives us the daily balance for 

Cash Advances. Then we add all these daily balances for the Billing Cycle together and divide 

the total by the number of days in the Billing Cycle. This gives us the Average Daily Balance 

of Cash Advances. 

Average Daily Balance of Purchases (including new Purchases): To calculate the 

Average Daily Balance of Purchases, we take the beginning Purchase balance of your Account 

each day, including any unpaid Interest Charges on Purchases, add any new Purchases as of 

the date of transaction, and subtract the applicable portion of any payments and credits as of 

the date of transaction. (However, we subtract the applicable portion of any payments you paid 

by the Payment Due Date during the Billing Cycle, as of the first day of the Billing Cycle.) This 

gives us the daily balance for Purchases. Then we add all these daily balances for the Billing 

Cycle together and divide the total by the number of days in the Billing Cycle. This gives us the 

Average Daily Balance of Purchases. 

Average Daily Balance of Balance Transfers (including new Balance 

Transfers): To calculate the Average Daily Balance of Balance transfers, we take the 

beginning Balance Transfer balance of your Account each day, including unpaid Interest 

Charges on Balance Transfers, add any new Balance Transfers as of the date of transaction, 

and subtract the applicable portion of any payments and credits on your Account as of the date 

of transaction. This gives us the daily balance for Balance Transfers. Then we add all these 

daily balances for the Billing Cycle together and divide the total by the number of days in the 

Billing Cycle. This gives us the Average Daily Balance of Balance Transfers. 

Average Daily Balance of Special Advances (including new Special Advances): 

If you use a Promotional Check or Promotional Balance Transfer we offer you then while 

the special reduced Monthly Periodic Rate is in effect it will be applied to an Average 

Daily Balance of Special Advances (including new Special Advances), computed for your 

Promotional Check or Promotional Balance Transfer balances in the same manner as the 

Average Daily Balance of Cash Advances (described above); provided that the Cash Advance 

Transaction Fee for Promotional Check or Promotional Balance Transfer transactions is 

included in your Average Daily Balance of Cash Advances rather than in your Average Daily 

Balance of Special Advances. When the special reduced Monthly Periodic Rate is no longer 

in effect, we will continue to include such balances, including any unpaid Interest Charges 

thereon, in an Average Daily Balance of Special Advances, computed in the same manner 

specified above. 

Average Daily Balance of Overdraft Advances (including new Overdraft 

Advances): Overdraft Protection transactions will be included from the transaction date to 

your Account, in an Average Daily Balance of Overdraft Advances (including new Overdraft 

Advances), computed in the same manner as the Average Daily Balance of Cash Advances 

(described above) provided that the Cash Advance Transaction Fee for Overdraft Protection 

transactions is included in the Average Daily Balance of Cash Advances rather than in the 

Average Daily Balance of Overdraft Advances. We will apply to your Average Daily Balance of 

Overdraft Advances the same Introductory or Regular Monthly Periodic Rate as we apply to 

your Balance Transfers. 

Computing the Monthly Periodic Rates and corresponding Annual Percentage Rate (APR) 

Special or Introductory Monthly Periodic Rates: Any special or introductory Monthly Periodic Rate and 
corresponding Annual Percentage Rate, the type of average daily balances to which it applies if it does 
not apply to all your average daily balances, and the period for which it is applicable, are shown on the 
accompanying Summary of Terms and/or Card Carrier or, in the case of Promotional Check, Promotional 
Balance Transfer or other special offers we may make in the future, will be specified in the disclosures 
accompanying the special offer. For any rates specified in the accompanying Summary of Terms or Card 
Carrier as “Introductory” for a specified period, those Introductory rates will expire no less than the 
specified period after the opening of your Account. Except during periods and with respect to balances 
for which any special or introductory Monthly Periodic Rate is applicable, each Monthly Periodic Rate 
and corresponding Annual Percentage Rate applicable to your Account will be determined as described 
below under “Regular Monthly Periodic Rates”. 

 
 
Regular Monthly Periodic Rates: One or more Regular Monthly Periodic Rates and corresponding 
Annual Percentage Rates apply to your Account, as shown in the accompanying Summary of Terms 
and/or Card Carrier or, in the case of Promotional Check, Promotional Balance Transfers or other special 
offers we may make in the future, as specified in the disclosures accompanying the special offer. (For 
example, the Monthly Periodic Rate and corresponding Annual Percentage Rate applicable to Purchases 
and Balance Transfers may be different from the Monthly Periodic Rate and corresponding Annual 
Percentage Rate applicable to Cash Advances.) The rates apply to your Account as follows: 

The Regular Monthly Periodic Rate and corresponding Annual Percentage Rate applicable to your (i) 
Average Daily Balance of Purchases, (ii) Average Daily Balance of Balance Transfers, (iii) Average Daily 
Balance of Overdraft Advances, (iv) Average Daily Balance of Cash Advances and (iv) Average Daily 
Balance of Special Advances (for any Promotional Check or Promotional Balance Transfer balances 
which, in the Promotional Check or Promotional Balance Transfer offer, we specify will have the same 
Regular Annual Percentage Rate as Balance Transfers following the promotional period) (collectively, 
your “Total Average Daily Balances”), is specified in the accompanying Summary of Terms or Card 
Carrier and, unless otherwise specified in the accompanying Summary of Terms or Card Carrier, will be 
the same for each such Average Daily Balance. 

If the Monthly Periodic Rate and corresponding Annual Percentage Rate are a variable rate, this will be 
specified in the accompanying Summary of Terms. If a variable rate, the following applies: The Regular 
Monthly Periodic Rate and corresponding Annual Percentage Rate applicable to your Total Average Daily 
Balances may vary. The Regular Monthly Periodic Rate applied in any Billing Cycle to the Total Average 
Daily Balances will be equal to 1/12 of the total of (i) the “Prime Rate” (as defined below) and (ii) the 
applicable Margin as shown in the accompanying Summary of Terms. The “Prime Rate” used is the 
highest Prime Rate published in the “Money Rates” section of The Wall Street Journal on the last day of 
the calendar month in which the Billing Cycle begins (or if not published on that day, on the date of its 
next publication following that date). If the Prime Rate increases, the Regular Monthly Periodic Rate and 
corresponding Annual Percentage Rate under the above formula may increase. As a result, the Interest 
Charges, the Minimum Payment, and the number of payments may also increase. Any new Regular 
Monthly Periodic Rate will apply to your entire Total Average Daily Balances, including both existing 
balances and new transactions, and determined as described above. 

For any Promotional Check or Promotional Balance Transfer balances which, in the Promotional Check 
or Promotional Balance Transfer offer, we specify will have the same Regular Annual Percentage Rate as 
Cash Advances following the promotional period, the Regular Monthly Periodic Rate and corresponding 
Annual Percentage Rate applicable to each Average Daily Balance of Special Advances will be 
determined as provided above. For any Promotional Check or Promotional Balance Transfer balances 
which, in the Promotional Check or Promotional Balance Transfer offer, we specify will have a Regular 
Annual Percentage Rate following the promotional period other than the Regular Annual Percentage 
Rate for Balance Transfers or the Regular Annual Percentage Rate for Cash Advances, the Regular 
Monthly Periodic Rate and corresponding Annual Percentage Rate applicable to any Average Daily 
Balance of Special Advances will be determined as described in the Promotional Check or Promotional 
Balance Transfer offer.) 

Employee Preferential Rates: If your Summary of Terms and/or Card Carrier disclose information 
regarding Loss of Employee Preferential APRs, this means that your Regular Monthly Periodic Rates and 

corresponding APRs are preferential rates extended to you because you are an employee, officer or 
director of Synovus Bank or one of its affiliated companies or of Total System Services, Inc. or one of its 
affiliated companies. If that relationship ceases for any reason, we may increase your Regular Monthly 
Periodic Rates and corresponding Annual Percentage Rates to the higher rates as disclosed in your 
Summary of Terms and/or Card Carrier. Such a change would require at least 45 days advance notice 
and would not become effective until at least 12 months after the opening of your Account. 

When effective we will apply the increased Monthly Periodic Rates and corresponding APRs to 
transactions made on or after the effective date of such increase. The employee preferential Monthly 
Periodic Rates and corresponding APRs then in effect would continue to apply to transactions made 
prior to that date. We may keep the increased Monthly Periodic Rates and corresponding APRs in effect 
indefinitely. 

Other Charges 

In addition to Finance Charges, a variety of fees and charges may be applied to your Account, as 
described in the Summary of Terms, including the following: 

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 as shown in the Summary of Terms. 
However, the Late Payment Fee will never be greater than the total amount past due on your Account. 

Returned Payment Fee: If any payment received in payment of your Account is returned to us unpaid 
for any reason, you may be charged a Returned Payment Fee as shown in the Summary of Terms. 
However, the Returned Payment Fee will never be greater than the total amount past due on your 
Account. If we return unpaid any Convenience Check (including any Promotional Check), or Balance 
Transfer Check you may be charged a Returned Payment Fee as shown in the Summary of Terms. 
However, the Returned Payment Fee will never be greater than the Amount of the check we return. 

Documentation Fee: You may request a copy of a statement previously sent to you for a Documentation 
Fee of $5 per statement, which will be added to your Account balance. Copies of sales tickets or other 
items posted to your Account, and all other correspondence, may be obtained for a Documentation Fee 
of $5 per sales ticket or other posted item, or item of correspondence, which will be added to your 
Account balance. Notwithstanding the foregoing, we will not impose any fee in connection with your 
good faith assertion of a billing error or other exercise of your Billing Rights (see below under “Your 
Billing Rights: Keep This Document For Future Use”). 

Annual Fee: If applicable to your account, an annual fee will apply as shown in the Summary of Terms. 
(If an Annual Fee amount is shown as “Introductory” for a specified period, that Introductory Annual Fee 
will expire no less than the specified period after the opening of your Account, and thereafter the 
Annual Fee will revert to the standard annual fee amount as shown in the Summary of Terms.) 

Expedited Card Fee: If applicable to your Account, an Expedited Card Fee may apply to your Account for 
delivering a Credit Card to you via recognized overnight courier, such as Federal Express, upon your 
request. The Expedited Card Fee is $25 per card that is expedited. 

Annual Summary Statements: If applicable to your Account, if you elect to receive an Annual Summary 
Statement, a $15 fee may be charged to your Account. 

Lost Cards, Unauthorized Use, and Identity Theft 

If you notice the loss or theft of your Card or a possible unauthorized use of your Card, you should write 
to us immediately at: Security Department, Synovus Card Services, P.O. Box 84050, Columbus, GA 
31908-4050, or call us at 1-888-SYNOVUS (796-6887) (or 706-644-0012 for calls from outside the U.S.). 
You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be 
liable for unauthorized use that occurs before your notice to us if we reasonably determine, based on 
substantial evidence, that you were fraudulent or negligent in the handling of the Account or the Card. 
In any case, your liability will not exceed the lesser of $50 or the amount of money, property, labor, or 
services obtained by the unauthorized use before notification to us. 

If you believe that you have been the victim of identity theft and that there is a transaction(s) or 
application(s) you believe is a result of that identify theft, please write to us at: Security Department, 
Synovus Card Services, P.O. Box 84050, Columbus, GA 31908-4050. All submissions regarding an 
unauthorized transaction(s) or application(s) due to identity theft must be sent to the foregoing address. 
If you contact us by phone regarding transactions resulting from identity theft, we will require you to 
make a written submission. In your written submission, please include: 

(1)  your name, 
(2)  your account number, 
(3)  if known, the date of the transaction(s) or application(s), 
(4)  if known, any other identifying information that you believe may assist us in identifying the 

transaction(s) or application(s) that were the result of a stolen identity, and  

(5)  any federal, state, or local law enforcement agency or officer you would like results of the 

investigation to be sent. 

Once we receive the request, we will respond within the next 30 days, pending any verification of 
identity, with any information in our control regarding the application(s) or transaction(s) that were the 
result of identity theft to you and anyone else requested in your submission. 

We may require that you verify your identity before investigating your claim. If we determine that 
identity verification is necessary, we will request from you a copy of a government issued identification 
or other documentation that will allow us to verify your identity. Additionally, we may require that you 
submit a copy of a police report you filed evidencing the claim of identity theft, and either the Federal 
Trade Commission Identity Theft Report, available at the 

FTC’s website, or an affidavit which is substantially similar to the Federal Trade Commission Identity 
Theft Report. 

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What to Do If You Find a Mistake On Your Statement 

If you think there is an error on your statement, you can provide notice of the error to us (an “Error 
Notice”) by using one of two methods: (1) You may write to us at: 

Synovus Bank 
Dispute Resolution Office 
Synovus Card Services 
P.O. Box 84050 
Columbus, GA 31908-4050. 

Or, (2) you can submit your Error Notice online by visiting www.synovus.com and sending us your details 
and the required information through the credit card Secure Messages system. 

In your Error Notice, you must provide the following information: 

•  Account Information: Your name and account number. 
•  Dollar amount: The dollar amount of the suspected error, and any other information regarding the 

charge that may help us identify it, such as the vendor or date. 

•  Description of problem: If you think there is an error on your statement, describe what you believe is 

wrong and why you believe it is a mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your statement. 
•  At least 3 business days before an automated payment is scheduled, if you want to stop payment on 

the amount you think is wrong. 

Your Error Notice regarding any potential errors on your statement must be in writing (including 
electronic written notice) and must be submitted to us by using one of the two contact methods 
described above. You may call us instead, but if you do, we are not required to investigate any potential 
errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Error Notice 

When we receive your Error Notice, we must do two things: 

(1)  Within 30 days of receiving your Error Notice, we must tell you that we received your Error Notice. 

We will also tell you if we have already corrected the error; and 

(2)  Within 90 days of receiving your Error Notice, we must either correct the error or explain to you why 

we believe the bill is correct. 

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as delinquent on that amount; 
•  The charge in question may remain on your statement, and we may continue to charge you 

interest on that amount; 

•  While you do not have to pay the amount in question, you are responsible for the remainder of 

your balance; and 

•  We can apply any unpaid amount against your Credit Limit. 

After we finish our investigation, one of two things will happen: 

• If we made a mistake: You will not have to pay the amount in question or any interest or other fees 
related to that amount 

• If we do not believe there was a mistake: You will have to pay the amount in question, along with 
applicable interest and fees. We will send you a statement of the amount you owe and the date 
payment is due. At a minimum, you will have ten (10) days to pay the amount owed after receiving the 
statement. If you do not pay the amount you owe by the due date, we may then report you as 
delinquent which may negatively impact your credit. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days 
telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also 
reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
you as delinquent, and we must let those organizations know when the matter has been settled 
between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you 
question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you 
have tried in good faith to correct the problem with the merchant, you may have the right not to pay the 
remaining amount due on the purchase. To use this right, all of the following must be true: 

(1)  The purchase must have been made in your home state or within 100 miles of your current mailing 

address; and the purchase price must have been more than $50. (Note: Neither of these are 
necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
company that sold you the goods or services.); 

(2)  You must have used your Card for the purchase. Purchases made with cash advances from an ATM 

or with a check that accesses your credit card account do not qualify; and 

(3)  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing 
at: 

Synovus Bank 
Dispute Resolution Office 
Synovus Card Services 
P.O. Box 84050 
Columbus, GA 31908-4050 

Or contact us online through the credit card Secure Messages system by visiting www.synovus.com. 

While we investigate, the same rules apply to the disputed amount as discussed above. Afterwe finish 
our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do 
not pay, we may report you as delinquent. 

 
 
 
OUR RIGHTS AND HOW THEY AFFECT YOU 

Telephone Monitoring 

From time to time, we may monitor and/or record telephone calls regarding your Account with us to 
assure the quality of our service. By entering into this Agreement, you give us your express consent to 
do so. 

Refunds 

If a seller agrees to give a refund for a Purchase made with your Card, such refund will be provided as a 
credit on your Account instead of cash refund. 

No Waiver of Rights; Disputed Amounts 

We can accept late or partial payments without losing any of our rights under this Agreement. You 
agree not to send us partial payments marked “paid in full,” “without recourse,” or similar language. 
If you send such a payment, we may accept it without losing any of our rights under this Agreement. 
All written communications concerning disputed amounts, including any check or other payment 
instrument that indicates that the payment constitutes “payment in full” of the amount owed or that 
is tendered with other conditions or limitations or as full satisfaction of a disputed amount, must be 
mailed or delivered to Synovus Bank, Dispute Resolution Office, Synovus Card Services, P.O. Box 
84050, Columbus, GA 31908-4050. 

Credit Reports and Information 

You authorize us to make or have made any credit, employment and investigative inquiries, including 
obtaining consumer reports on you from credit reporting agencies and/or other third party sources, as 
we deem appropriate in connection with your application for or the extension of credit on the Account, 
or the update, renewal or review of the Account, the collection of amounts owing on the Account, 
and/or other related purposes, in accordance with applicable law. Upon your request, we will inform 
you whether or not a consumer report was requested, and if one was requested, of the name and 
address of the consumer reporting agency that furnished the report. You agree that we may furnish 
information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information, in accordance with applicable law. Late payments, missed payments, 
or other defaults on your Account may be submitted to a credit reporting agency and reflected in your 
credit report. 

Notice of Inaccurate Information 

If you believe that we have information about you that is inaccurate or that we have reported or may 
report to a credit reporting agency information about you that is inaccurate, please notify us of the 
specific information that you believe is inaccurate by writing to us at Synovus Card Services, P.O. Box 
84050, Columbus, GA 31908-4050. 

Collection and Default 

Unless prohibited by applicable law, your Account is considered to be in default if (1) you do not make at 
least the Minimum Payment on or before the Payment Due Date, (2) you exceed your Credit Limit by 
making a Purchase, Cash Advance, or other transaction in connection with your Account or any other 

Synovus account, (3) you become subject to bankruptcy or insolvency proceedings, (4) you become 
subject to attachment or garnishment proceedings, (5) you give us any materially false information or 
signature, (6) you die, or (7) you fail to comply with any portion of this Agreement. Our accepting a late 
or partial payment does not waive the default. Unless prohibited by applicable law, default on this 
Account will constitute default on all accounts you hold with us. Subject to any notice of default and 
right to cure or other restrictions of applicable law, if you are in default, we may declare the entire 
balance due immediately. 

Unless prohibited by applicable law you agree to pay our reasonable costs and attorneys’ fees related to 
the collection of your Account to the extent permitted by the state in which you live. 

Change of Terms 

Subject to the limitations of applicable law, we may, at any time, change or remove any of the terms 
and conditions of, or add new terms or conditions to, this Agreement. We will provide written notice 
of such a change to you then in the manner required by applicable law, and, you hereby consent to 
receipt of such notice electronically where electronic notice is permitted by applicable law. As of the 
effective date, the changed or new terms will apply to new Purchases, Cash Advances and Balance 
Transfers and also to the outstanding balance of your Account, subject to the limitations of applicable 
law. 

Delay in Enforcement 

We can delay enforcing our rights under this Agreement without losing them. 

OTHER PROVISIONS 

Ownership and Use of Your Card 

As the Account Cardholder(s), you are liable for all credit obtained under your Account. If you authorize 
another person to use your Card or Convenience Check, you are liable for any credit obtained on your 
Account for as long as that person holds the Card or Check. In addition, you will remain liable until you 
recover possession of the Card or Check. Misuse of your Card by an Authorized User will not be 
considered unauthorized use (see “Lost Cards and Unauthorized Use” above). Upon demand, you must 
return any Card we supply to you or destroy the Card by cutting it in half immediately. Convenience 
Checks must be mailed or returned to us upon request. 

Transfer and Termination of Your Account 

You may not transfer your Account to any other person. We may assign your Account to any other 
person at any time. Either you or we may terminate or suspend your credit privileges at any time. 
However, you will remain liable for all amounts owed on your Account until they are paid in full. 

Foreign Currency Conversion 

You may make a Purchase or obtain a Cash Advance in a currency other than U.S. dollars. If you do, Visa 
will convert the transactions into U.S. dollars. The conversion rate between the transaction currency and 
the billing currency will be either (1) a rate selected by Visa from the range of rates available in 
wholesale currency markets for the applicable central processing date, which rate may vary from the 
rate Visa itself receives, or (2) the government-mandated rate in effect for the applicable central 

processing date. The conversion rate Visa uses may differ from any published rate in effect on the day 
that you made the transaction or it was posted to your Account. You agree to pay us the amount as 
converted into U.S. dollars according to Visa procedures. 

Honoring Your Card 

We are not liable for the failure or refusal of a merchant, ATM, or other institution to honor your Card. 
Although you may have credit available, we will not be liable for the failure to authorize credit due to 
operational difficulties or mistakes. A transaction made above a certain dollar amount may require 
authorization by us before the transaction can be approved. In addition, we may limit the number and 
amount of transactions approved in one day for security reasons. 

Servicing the Account 

We will send all written notices and statements to your address and/or email address (if applicable to 
your Account) as it appears on our records. To avoid delays and missed payments that could affect your 
credit standing, you agree to advise us promptly if you change your mailing address, email address, 
place of employment, and/or telephone number(s). You authorize us or any of our agents to contact you 
at any telephone numbers you provide on your credit application or that you provide to us thereafter, 
including a ported landline, cellular phone, mobile phone or similar device, regarding payments due, 
Account activity, Account information or for other purposes we deem necessary, in accordance with 
applicable law. You authorize those contacts to be made using an automated telephone dialing system 
and/or prerecorded messages and/or text messages. You may revoke your consent to being contacted 
on your mobile phone using an automated telephone dialing system and/or prerecorded messages 
and/or text messages at any time by calling us at 1-888-SYNOVUS (796-6887) or by sending written 
notice to Synovus, Customer Support, P.O. Box 23061, Columbus, GA 31902-3061. You authorize us or 
any of our agents to send email to the addresses you provide us on your credit application or otherwise. 
You may be charged by your wireless provider for data, phone usage or minutes. You authorize us or any 
of our agents to leave a message with a person or on a voice mail, answering machine or answering 
service that answers the number(s) you have provided to us. You also authorize us or any of our agents 
to send U.S. postal mail to the addresses you provide to us on your credit application or otherwise. You 
also confirm that by providing the mobile phone number and/or email address of an Authorized User(s), 
you have received consent from the Authorized User(s) to provide this contact information to us, and 
that the Authorized User(s) have expressly consented to receive calls and/or text messages from us or 
any of our agents to the number(s) provided, including through an automated telephone dialing system 
and/or prerecorded messages and/or text messages, about authorized Card transactions, and you agree 
to indemnify Synovus from any and all losses, damages and penalties arising out of claims or actions that 
such Authorized User did not consent. We can also contact other persons you have listed on your credit 
application to find out information about you and how to contact you in the event we are unsuccessful 
in contacting you as described above. 

Synovus Fraud Alerts Program 

Synovus Fraud Alerts are provided through a third-party service (at no cost to you). Visit www. 
synovus.com/fraudfaqs for more information on Synovus Fraud Alerts. 

Text Fraud Alerts: Fraud alerts may be provided to you via free text messages to the mobile phone 
number associated with your Account from 74233. Message frequency depends on account activity. You 
may opt out at any time by texting STOP to 74233. By sending STOP to 74233, you agree to one 
additional confirmation message stating that you’ve opted out and will no longer receive text messages 
from Synovus. Get additional support or help by calling 1-888-SYNOVUS (796-6887). 

Other Fraud Alerts: If you cannot receive text fraud alerts because you do not receive services through a 
Participating Wireless Carrier, or if you have opted out of receiving text fraud alerts, we may still send 
you fraud alerts to your email address on record with us. 

Authorized User Fraud Alerts 

We will provide text fraud alerts to your Authorized Users when you obtain their consent for such alerts 
and provide their mobile phone number to us. By providing us an Authorized User’s mobile phone 
number, you represent and warrant to us that the Authorized User voluntarily consented to receiving 
Synovus text fraud alerts, and you indemnify Synovus from any and all losses, damages and penalties 
arising out of claims or actions that such Authorized User did not so consent. 

Opting-In to Receive Your FICO® Score on Your Statements 

If you would like to receive your FICO® Score for free each month on your Account statement, you can 
opt-in by calling Synovus customer service at 1-888-796-6887. By opting-in to receive your FICO® Score 
on your Account statements, you authorize Synovus Bank to display your FICO® Score based on Equifax® 
information on the monthly Account statements that we send to you. Only the FICO® Score of the 
primary Account holder may be provided, and the monthly statements displaying your FICO® Score will 
only be sent to the address and/or email address associated with your Account. You also acknowledge 
that any joint owner of your Account or other person that has access to the mail or email to which your 
monthly statements are addressed may be able to view your FICO® Score displayed on your statement, 
and you authorize us to send the statements containing your FICO® Score to such address(es). If you 
decide you no longer wish to have your FICO® Score displayed on your Account statements, you may 
opt-out by calling us at 1-888-796-6887. 

FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. 

Severability 

In the event that any provision of this Agreement is invalid or unenforceable, or determined to be 
invalid or unenforceable by a court of competent jurisdiction, under any applicable law, including the 
Military Lending Act, the remaining provisions will remain in effect. 

Entire Agreement; Interpretation 

This Agreement constitutes the final expression of the credit agreement between you and us 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. 

BY USING YOUR CARD OR ACCOUNT, YOU ACKNOWLEDGE THAT (1) YOU HAVE RECEIVED AND HAVE 
READ A COMPLETED COPY OF THIS AGREEMENT (2) YOU UNDERSTAND THIS AGREEMENT AND (3) 
YOU AGREE TO ITS TERMS, INCLUDING THE ARBITRATION PROVISION. 

The card issuer: 

Synovus Bank 
1111 Bay Avenue 
Columbus, Georgia 31902 

August 2021