Summary of Rates and Fees for Synovus Travel Rewards Visa®, Synovus Travel Rewards Visa Signature®, Rewards Visa®, Cash Rewards Visa®, Ca Classic Visa® Credit Cards   Interest Rates and Interest Charges Travel Rewards Visa and Travel Rewards Visa Signature Credit Card Cash Rewards Visa and Cash Rewards Visa Signature Credit Card Rewards Visa Credit Card   Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR’ for the first six (6) months.* After that, your APR will be 13.74%, 15.74%, 17.74%, 21.74%, 23.74% or 24.74% based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.” 0.00% Introductory APR’ for the first six (6) months.* After that, your APR will be 13.74%, 15.74%, 17.74%, 21.74%, 23.74% or 24.74% based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.” 0.00% Introductory APR’ for the first six (6) months.* After that, your APR will be 13.74%, 15.74%, 17.74%, 21.74%, 23.74% or 24.74% based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.” oO Cc aA OO 8   APR for Balance Transfers and Overdraft Protection Transactions 0.00% Introductory APR’ for the first six (6) months.* After that, your APR will be 13.74%, 15.74%, 17.74%, 21.74%, 23.74% or 24.74% based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.” 0.00% Introductory APR’ for the first six (6) months.* After that, your APR will be 13.74%, 15.74%, 17.74%, 21.74%, 23.74% or 24.74% based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.” 0.00% Introductory APR’ for the first six (6) months.* After that, your APR will be 13.74%, 15.74%, 17.74%, 21.74%, 23.74% or 24.74% based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.”   APR for Cash Advances 26.74% (except on overdraft protection transactions). This APR will vary with the market based on the Prime Rate.” 26.74% (except on overdraft protection transactions). This APR will vary with the market based on the Prime Rate.” 26.74% (except on overdraft protection transactions). This APR will vary with the market based on the Prime Rate.”     Minimum Interest Charge   None   None   None     All credit cards are subject to credit approval. Important credit card information on page 2. Page 1Summary of Rates and Fees for Synovus Travel Rewards Visa®, Synovus Travel Rewards Visa Signature®, Rewards Visa®, Cash Rewards Visa®, Signature® and Classic Visa® Credit Cards   Fees Travel Rewards Visa and Travel Rewards Visa Signature Credit Card Cash Rewards Visa and Cash Rewards Visa Signatrure Credit Card Rewards Visa Credit Card   Annual Fee $0 introductory Annual Rewards Membership Fee for one year. After that, $50. None None   Transaction Fees (All Cards) Cash Advance Overdraft Protection Foreign Transaction Fee Either $10 or 5% of the amount of the cash advance, whichever is greater (except on overdraft protection transactions) 5% of the amount of the overdraft transaction, with a $5 minimum. None Either $10 or 5% of the amount of the cash advance, whichever is greater (except on overdraft protection transactions) 5% of the amount of the overdraft transaction, with a $5 minimum. 3% of each transaction Either $10 or 5% of the amount of the cash advance, whichever is greater (except on overdraft protection transactions) 5% of the amount of the overdraft transaction, with a $5 minimum. 3% of each transaction   Penalty Fees Late Payment Returned Payment Up to $39 Up to $39 Up to $39 Up to $39 Up to $39 Up to $39       All credit cards are subject to credit approval 1. Introductory APR available only on Balance Transfers from other financial institutions. A balance transfer from a credit card issued through Synovus Bank is not eleigible for     Important credit card information   2. The Prime Rate used is the highest Prime Rate published in The Wall Street Journal on either (a) the first calendar month in which the Billing Cycle begins (or if not publishe publication following that date), or (B) 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 f the higher Prime Rate. The variable rates shown here are as of June 30, 2022. Credit Cards are issued by Synovus Bank, 1111 Bay Avenue, Columbus, GA 31901 which is also the creditor for credit card accounts. Synovus Bank, Member FDIC 6/30/22 Page 2