personal accounts & services welcome to synovus · • get your first box of standard...

Welcome to SynovusYour complete guide to accounts and services transitioning from Florida Community Bank to Synovus

PERSONAL ACCOUNTS & SERVICES

Coming together

As FCB transitions to Synovus, our priority is meeting your financial needs. As a Synovus customer, you’ll soon have access to an expanded range of products and services to help you achieve your goals. We make it easy and convenient to manage your day-to-day banking, and we can help you plan ahead for the long term.

You’ll also find that everything feels familiar. That’s because Synovus shares the same principles as FCB; we put our customers and our communities first. Plus, the associates you’ve come to know at FCB will continue to serve you as Synovus team members.

We’ve prepared this booklet to give you information about the products and services we offer. You’ll also find details about any changes as your FCB account(s) become Synovus account(s).

We’re here to helpPlease get in touch if you have any questions or concerns.

• By phone: 1-888-850-0804 7:00 a.m. to 11:00 p.m. Eastern time, 7 days a week

• Online: synovus.com/welcomefcb

• In person: Stop by your local branch during banking hours

Table of ContentsNew Account Name Chart .................................................................................................. 1

Checking AccountsFree Checking ....................................................................................................................... 3Preferred Account ................................................................................................................ 3Gold Checking ....................................................................................................................... 4Signature Interest Checking .............................................................................................. 4Military Interest Checking ..................................................................................................5Health Savings Account......................................................................................................5

Money Market AccountsSignature Money Market Account ...................................................................................6Premium Money Market Account .....................................................................................6

Savings AccountsSignature Personal Savings ............................................................................................... 7Holiday Savings ..................................................................................................................... 7Minor Savings ........................................................................................................................8 Personal Choice Savings IRA ............................................................................................8

Time Deposit AccountsCertificates of Deposit ........................................................................................................8

LoansPersonal Loans ......................................................................................................................9Personal Credit Cards .........................................................................................................9

Synovus ServicesVisa® Debit Cards .................................................................................................................9ATMs .........................................................................................................................................9Digital Banking (My Synovus) ............................................................................................9Mobile Banking (My Synovus) ...........................................................................................9Card Alerts ............................................................................................................................ 10 Digital Wallets ...................................................................................................................... 10Order of Payment ............................................................................................................... 10Statements ..............................................................................................................................11Direct Deposits and Automatic Drafts ............................................................................11Checks and Deposit Slips ..................................................................................................11 Safe Deposit Boxes ..............................................................................................................11 Home Mortgages ..................................................................................................................11Financial Planning ................................................................................................................12Investment Services ............................................................................................................12Trust Services .......................................................................................................................12Private Wealth Management ............................................................................................13Family Office..........................................................................................................................13

FDIC Insurance .....................................................................................................................13

Fee Schedule ........................................................................................................................14Privacy Policy ........................................................................................................................18

New Account Name ChartYour new Synovus account has been determined based on the features of your FCB account. If you have any questions, please visit your nearest branch. One of our team members will be happy to review Synovus accounts that may be a better fit for your needs. No changes to your accounts will take place until May 6, 2019.

Checking Accounts Current FCB Account New Synovus Account

Budget Checking Free Checking Community Checking Eco Checking Essential Checking FCB Free Checking Online FCB Free Checking Mortgage Relationship Checking Mortgage Reserve Checking Online VEP Colleague Checking Personal Checking Preferred Senior Checking Relationship Checking Resident Program Checking Student Checking VEP Colleague Checking VEP Rollins Checking Pinnacle Checking Preferred Account Gold Relationship Checking Gold Checking Senior/Founders Grandfathered Senior Gold Relationship Checking Personal Interest Checking Signature Interest Checking Stars & Stripes Checking Military Interest Checking Health Savings Account (HSA) Health Savings Account Subsidiary Account DESA DDA Subsidiary

Money Market Accounts

Eco Money Market Signature Money Market Account Essential Money Market Personal High Yield Money Market Personal Money Market Pinnacle Money Market

Savings Accounts

Eco Savings Signature Personal Savings Essential Savings Guaranteed Savings Personal Savings Pinnacle Savings Premier Personal Savings Resident Savings VEP Colleague Savings VEP Rollins Savings

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Savings Accounts (continued) Minor Savings Minor Savings Holiday Savings Holiday Savings Money Market IRA Personal Choice Savings IRA

Time Deposit Accounts IRA CD IRA CD Simplified Employee Pension Simple IRA Jumbo IRA CD Roth CD Roth IRA CD Education IRA Education IRA CD Personal Certificate Personal CD Online Advantage Personal CD Jumbo Certificate

Loans

FCB Consumer Loan Synovus Consumer Loan FCB Consumer Auto Loan FCB Mortgage Loan Synovus Mortgage Loan FCB Home Equity Line of Credit Synovus Home Equity Line of Credit FCB Home Equity Loan Synovus Home Equity Loan FCB Personal Line of Credit Synovus Personal Line of Credit

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Checking AccountsAll Synovus personal checking accounts feature these standard benefits: • Unlimited fee-free transactions at our robust network of Synovus ATMs and at Publix®

Presto!® ATMs. • Visa® debit card (or Visa® Platinum debit card, if applicable) with no monthly usage fee.1

Add your card to your Apple Pay®, Google Pay™, or Samsung Pay® mobile wallet for even more convenience.

• Personal identity theft protection from Visa®, which reimburses you up to $2,500 for costs you incur if your identity is stolen or fraudulently used.

• My Synovus digital banking2 allows you to check balances, make mobile deposits, pay bills,3 and transfer funds anytime, anywhere.

1When you apply for a debit card, credit card, or other credit product, we will base the approval on a review of your personal credit report and score.2My Synovus digital banking includes online and mobile banking services. Use of the My Synovus app may require your mobile service provider’s data and/or text plan, for which charges may apply.3Online Bill Pay service is free. Fees apply to same-day and overnight Bill Pay requests.

Free CheckingA Synovus Free Checking account is easy, convenient, 24/7, and – best of all – free. Enjoy all the benefits that come standard with every Synovus checking account with no monthly maintenance fee and no minimum balance requirement.To learn about other services to help you manage your finances and avoid spending more than you have available in your checking account — such as our Synovus Connections® Visa® Prepaid Card — please visit a nearby branch or go to synovusconnections.com.

Preferred AccountA Synovus Preferred Account offers exclusive features and rewards for larger balances. You’ll receive all the standard benefits for Synovus checking accounts, plus these additional features: • Save with 50% off safe deposit box rentals, free standard wallet-style checks or a 50%

discount on designer checks, free cashier’s and certified checks, and unlimited check writing. • Enjoy competitive tiered interest rates with a bonus interest rate for combined balances of

$15,000 or more.1,2 • Have monthly service charges waived on two additional accounts including Gold Checking,

Signature Money Market, Advantage Money Market, and Premium Money Market. • Get a refund of up to four transaction fees per statement cycle for withdrawals at non-

Synovus ATMs.3 • Take advantage of all the great Visa® benefits that come with your Visa® Platinum debit card,

including Price Protection, Warranty Manager, Purchase Security, and more.4 Plus, you’ll have Visa® Zero Liability protection from fraud at no additional cost.5 Learn more about these great complimentary Visa® benefits at synovus.com/visadebitcardbenefits.

Preferred Account Pricing Information: • The monthly service fee is $25.You can avoid the monthly service fee with any of the following: • $5,000 average daily balance in your Preferred Account OR • $15,000 average daily balance in any combination of your interest-bearing checking

accounts, personal money market accounts or savings accounts, and/or outstanding balances in personal or home equity lines of credit, personal installment loans, or personal Synovus credit cards6,7 OR

• $25,000 average daily balance in any combination of the account options listed above and/or CDs and IRAs.6,7

If your monthly service fee isn’t waived, you’ll receive a $2 credit if you’re registered for My Synovus digital banking and paperless statements.

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1To obtain the applicable Annual Percentage Yield (APY), you must maintain a minimum balance of $1,000 in your account each day of the statement cycle. The interest rate on the entire balance of your account will be paid on the applicable daily balance tier. Account has variable interest rate subject to change after account opening and without notice. Interest is earned on daily balances of $1,000 or more, compounded daily, credited monthly and paid on collected balance, using the daily balance method.2Earn an additional 5 basis points for a combined average daily balance of $15,000-$24,999.99 or an additional 15 basis points for a combined average daily balance of $25,000 or greater on the balance in your Preferred Account.3Refund does not apply to any fees the ATM owner might charge.4Certain terms, conditions, and exclusions apply. In order for coverage to apply you must use your covered Visa® card to secure transactions.5Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa® or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. See bank for details.6Excludes closed-end mortgage balances.7The Preferred Account owner must be the primary or secondary owner on the accounts to be considered for the combined balance qualifier.

Gold CheckingIf you’re 55 or older, it’s time you started seeing some reward for your hard work. Your Gold Checking account gives you all the Synovus standard checking benefits, plus ways to earn and save more. • Earn tiered interest rates1 on higher balances. • Get your first box of standard wallet-style checks for free, and write unlimited checks. • Take advantage of free notary services. • Enjoy Visa® Zero Liability to protect your Visa® debit card from fraud, at no additional cost.2Gold Checking Pricing Information: • The monthly service fee is $10.You can avoid the monthly service fee with either of the following: • $1,000 average daily balance for the statement cycle OR • Direct deposits of at least $500 per statement cycle.3 If your monthly service fee isn’t waived, you’ll receive a $2 credit if you’re registered for My Synovus digital banking and paperless statements.1To obtain the applicable Annual Percentage Yield (APY), you must maintain a minimum balance of $1,000 in your account each day of the statement cycle. The interest rate on the entire balance of your account will be paid on the applicable daily balance tier. Account has variable interest rate subject to change after account opening and without notice. Interest is earned on daily balances of $1,000 or more, compounded daily, credited monthly and paid on collected balance, using the daily balance method.2Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa® or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use.3A direct deposit is the electronic deposit of your salary, pension, Social Security, or other regular monthly income by your employer or another agency. Transfers from one account to another and deposits made at a branch or ATM are not considered direct deposits.

Signature Interest Checking1Enjoy all the standard Synovus checking benefits and earn competitive tiered interest rates.2 Your account will begin earning interest with a balance as low as $1,000. Plus, the higher your balance, the more you’ll earn. Signature Interest Checking Pricing Information: • The monthly service fee is $15.You can avoid the monthly service fee with either of the following: • Maintain a minimum daily balance of $1,000 OR • Maintain an average minimum daily balance of $2,000.1This account type isn’t available for new account openings.2To obtain the applicable Annual Percentage Yield (APY), you must maintain a minimum balance of $1,000 in your account each day of the statement cycle. The interest rate on the entire balance of your account will be paid on the applicable daily balance tier. Account has variable interest rate subject to change after account opening and without notice. Interest is earned on daily balances of $1,000 or more, compounded daily, credited monthly, and paid on collected balance, using the daily balance method.

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Military Interest CheckingFor nearly a century, we’ve recognized the unique needs of military service members, delivering products and services that reflect our gratitude for the sacrifices you make. Our mission is to offer you the highest standards in banking services—easily and conveniently—both in the field and at home. The Synovus Military Interest Checking account is available for active duty, retired, and reserved personnel, including Department of Defense (DOD) civilians. • Your first order of standard wallet-style checks is free, and you’ll enjoy unlimited check writing. • You’ll earn interest on everyday cash. Tiered interest rates let you earn higher rates when you

maintain a balance of $1,000 or more.1 • When you’re away from home, you'll never be charged a fee by Synovus for using a non-

Synovus ATM. At your request, we’ll also refund the fees the other ATM owner charges for using its ATM, up to five times per month (up to $1.50 per transaction).

Military Interest Checking Pricing Information: • The monthly service fee is $7. • You can avoid the monthly service fee with a direct deposit2 from Defense Finance and Account

Services (DFAS) of at least $1 per statement cycle. If your monthly service fee isn’t waived, you’ll receive a $2 credit if you’re registered for My Synovus digital banking and paperless statements.

1To obtain the applicable Annual Percentage Yield (APY), you must maintain a minimum balance of $1,000 in your account each day of the statement cycle. The interest rate on the entire balance of your account will be paid on the applicable daily balance tier. Account has variable interest rate subject to change after account opening and without notice. Interest is earned on daily balances of $1,000 or more, compounded daily, credited monthly, and paid on the collected balance, using the daily balance method.2A direct deposit is the electronic deposit of your salary, pension, Social Security, or other regular monthly income by your employer or another agency. Transfers from one account to another and deposits made at a branch or ATM are not considered direct deposits.

Health Savings AccountA health savings account (HSA) is an easy, tax-advantaged way to pay for qualified medical expenses.1 To qualify for a health savings account, you must be covered by a high-deductible health plan. Enjoy all these benefits and tax advantages with your health savings account: • You and your employer can make pre-tax contributions.2 • After-tax deposits or transfers are tax-deductible.3 • As your balance earns interest, it’s tax free.3 • Any funds in your account at the end of the year roll over. • You’ll have the option of investing the money in a mutual fund once your account reaches a

balance of $3,500.4,5,6 • Receive custom checks and up to two Visa® debit cards7 for easy access to your funds. • Access your account through My Synovus, our digital banking service. Health Savings Account Pricing Information: • The monthly service fee is $3. You can avoid the monthly service fee by maintaining a

minimum daily balance of $2,500 for the statement cycle. • A $1 per check fee also applies.1Refer to IRS publication 502 for a complete list.2The Self-Only Coverage Maximum Contribution Amount is $3,500 in 2019 and the Family Coverage Maximum Contribution Amount is $7,000 in 2019. HSA holders can make a one-time, tax-free distribution from their Roth and/or Traditional IRA to their HSA. Certain restrictions apply.3Consult your tax professional regarding matters of tax deductibility and deferral.4Investment products and services provided by Synovus are offered through Synovus Securities, Inc., Synovus Trust Company, N.A., GLOBALT, a separately identifiable division of STC, and Creative Financial Group, a division of SSI. The registered broker-dealer offering brokerage products for Synovus is Synovus Securities, Inc., member FINRA/SIPC. Investment products and services are not FDIC insured, are not deposits of or other obligations of Synovus Bank, are not guaranteed by Synovus Bank and involve investment risk, including possible loss of principal amount invested. Synovus Securities, Inc. is a subsidiary of Synovus Financial Corp and an affiliate of Synovus Bank.5An investment option is available for account holders who have balances of $3,500 or more in their existing HSA. If you choose to add the investment option to your HSA, you can choose from nine Fidelity Investments® mutual funds available through Synovus Securities, Inc., our brokerage provider. The minimum initial investment for each fund is $2,500 and subsequent investments must be $100 or more.6Please carefully consider the funds’ investment objective, risks, charges, and expenses prior to investing. For more information, please thoroughly read the prospectus prior to investing. 7Subject to credit approval.

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Money Market AccountsAll Synovus money market accounts feature these standard benefits: • Tiered market-based interest rates,1 with higher rates on higher balances. • Unlimited transfers and withdrawals if done in person, by mail, through an ATM, or over the

phone (with the check sent through the mail); up to six withdrawals per month by check, debit card transaction, transfer, or pre-authorized transfer.2,3

• Free notary services. • Digital banking through My Synovus, including mobile banking access.4 All newly opened money market accounts are subject to approval.1Rates are subject to change without notice.2Account Transaction Limitations for money market accounts: no more than six debit transactions per month or monthly statement cycle. A debit transaction is a check, debit card transaction, transfer, or pre-authorized transfer, including those made by phone or modem. Unlimited transactions are permitted if made by the customer in person, by mail, through an ATM, or by phone if the check is mailed to the customer. If an account continually exceeds the allowed debit transactions, we may convert it to a checking account. 3The excessive transaction fee of $15 is assessed per occurrence on money market accounts, regardless of the account balance, after six debit transactions are paid during the statement cycle.4Requires mobile service provider’s text and/or data plan, for which charges may apply.

Signature Money Market AccountIf you’d like to earn a market-based interest rate1,2 without tying up too much of your cash, our Signature Money Market account offers the benefits of a money market account for a modest balance requirement. Your account will begin earning interest with a balance as low as $1,000. Plus, the higher your balance, the more you’ll earn.Signature Money Market Pricing Information: • The monthly maintenance fee is $10.You can avoid the monthly maintenance fee with either of the following: • $1,000 minimum daily balance OR • $2,500 average daily balance for the statement cycle. 1Rates are subject to change without notice.2Must maintain minimum balance of $1,000 in account each day of statement cycle to obtain applicable Annual Percentage Yield (APY). The interest rate on the entire balance in your account will be paid on the applicable daily balance tier. Interest is earned on daily balances of $1,000 or more, compounded daily, credited monthly, and paid on the collected balance using the daily balance method. Account has a variable interest rate subject to change after account opening and without notice.

Premium Money Market AccountWhen you have larger sums available to deposit, you’ll receive even greater rewards for higher balances with our Premium Money Market account, thanks to a tiered interest rate1,2 structure. Your account will begin earning interest with a balance as low as $1,000. Plus, the higher your balance, the more you’ll earn.Premium Money Market Pricing Information: • The monthly maintenance fee is $15.You can avoid the monthly maintenance fee with either of the following: • $10,000 minimum daily balance OR • $20,000 average daily balance for the statement cycle. 1Rates are subject to change without notice.2Must maintain a minimum balance of $1,000 in account each day of statement cycle to obtain applicable Annual Percentage Yield (APY). The interest rate on the entire balance in your account will be paid on the applicable daily balance tier. Account has a variable interest rate subject to change after account opening and without notice. Interest is earned on daily balances of $1,000 or more, compounded daily, credited monthly, and paid on the collected balance using the daily balance method.

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Savings AccountsNo matter what your future goals may be, a Synovus savings account helps you set aside funds so your money grows to meet your goals. All Synovus personal savings accounts feature: • No minimum balance requirement to earn interest.1,2 • Unlimited deposits. • Digital banking through My Synovus, including mobile banking access.3 All newly opened savings accounts are subject to approval.1The Annual Percentage Yield (APY) is subject to change without notice.2A single rate applies to the entire balance. Interest is compounded daily, credited monthly, and paid on the collected balance using the daily balance method. The interest rate on the entire balance in your account will be paid based on the applicable daily balance tier. Account has a variable interest rate subject to change after account opening and without notice.3Requires mobile service provider’s text and/or data plan, for which charges may apply.

Signature Personal SavingsA Signature Personal Savings account is the simplest way to put aside money for all of life’s little (and not-so-little) expenses, from unexpected car repairs to unforgettable vacations. • Make up to two no-fee withdrawals per month.1,2 • Easily set up transfers from other Synovus accounts. • Receive statements quarterly or monthly when combined with your checking statement.3 • Choose printed or paperless statements (enroll through My Synovus). • Enjoy unlimited fee-free transactions at all Synovus and Publix® Presto!® ATMs. • Pay bills online4 to simplify monthly and recurring bill payments (enroll through My Synovus).Signature Personal Savings Pricing Information: • The monthly maintenance fee is $5. You can avoid the monthly maintenance fee by

maintaining a minimum daily balance of $200 for the month.3 1Account Transaction Limitations for savings and money market accounts: savings and money market accounts may have no more than six debit transactions per month or monthly statement cycle. A debit transaction is a check, debit card transaction, transfer, or pre-authorized transfer, including those made by phone or modem. Unlimited transactions are permitted if made by the customer in person, by email, through an ATM, or by phone if the check is mailed to the customer. If an account continually exceeds the allowed debit transactions, we may convert it to a checking account.2The service-chargeable debit fee of $3 is assessed per occurrence for Signature Personal Saving accounts after two debit transactions are paid during the month.3Combined statements are mailed monthly; statements for other Signature Personal Savings accounts are mailed quarterly.4Online Bill Pay service is free. Fees apply to same-day and overnight Bill Pay requests.

Holiday SavingsThe holidays are a time for celebration, but they can also do a number on your wallet. With our Holiday Savings account,1 you can set aside funds year-round to pay for those special gifts and treats—all while earning interest on your money, with no monthly maintenance fee and no minimum balance requirement. After a year of savings, we’ll send you a check. • Make one no-fee withdrawal annually.1,2 • Receive automatic transfers from other Synovus accounts.1Account Transaction Limitations for savings and money market accounts: savings and money market accounts may have no more than six debit transactions per month or monthly statement cycle. A debit transaction is a check, debit card transaction, transfer, or pre-authorized transfer, including those made by phone or modem. Unlimited transactions are permitted if made by the customer in person, by email, through an ATM, or by phone if the check is mailed to the customer. If an account continually exceeds the allowed debit transactions, we may convert it to a checking account.2This account allows for one debit at no fee per year (not including the annual payout).

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Minor SavingsIt’s never too early to teach your children the importance of saving and managing money. With our Minor Savings account,1 they’ll have a safe place to keep that birthday money from burning a hole in their pocket, and you’ll be able to keep an eye on things as you watch their funds grow over time. The Minor Savings account has no monthly maintenance fee and no minimum balance requirement. • Give minors ownership of funds in the account.1 • Make up to two no-fee withdrawals per month.2,3 • Receive automatic transfers from parents’ Synovus accounts.1All newly opened accounts are subject to approval. Minor Savings is available to children under the age of 18 (in Alabama, age 19 unless married). It is a joint account with a parent or guardian. The account converts to Signature Personal Savings at the minor’s 18th birthday (in Alabama, 19th birthday, unless married).2Account Transaction Limitations for savings and money market accounts - savings and money market accounts may have no more than six debit transactions per month or monthly statement cycle. A debit transaction is a check, debit card transaction, transfer, or pre-authorized transfer, including those made by phone or modem. Unlimited transactions are permitted if made by the customer in person, by email, through an ATM, or by phone if the check is mailed to the customer. If an account continually exceeds the allowed debit transactions, we may convert it to a checking account.3The service-chargeable debit fee of $3 is assessed per occurrence for Minor Savings Accounts after two debit transactions are paid during the month.

Personal Choice Savings IRA A Personal Choice Savings IRA1,2 gives you a great way to start saving for retirement if you don’t yet meet the minimum balance requirement for an IRA CD. • No minimum balance requirement to earn interest on your account. • Build savings with automatic transfers from your checking and/or savings accounts. • Roll over 401(k) cash balances.1A $25 annual fee will apply if the balance is less than $1,000 at the time of the annual service charge. 2Account statements are sent on an annual basis.

Time Deposit Accounts

Certificates of DepositWhen you have the ability to set aside funds without needing immediate access, Certificates of Deposit (CDs)1 are ideal low-risk, fixed-rate investments. CDs renew automatically, at the interest rate in effect at the time of renewal, making it easier to keep your investments growing. Whether you’re looking to invest for a few months or a few years, we offer a variety of CD2 types and term lengths to match your needs and goals. There’s just a $1,000 minimum deposit to open a CD with us.The CD terms and rates you have with FCB today will be honored through the renewal date. If your CD has a term of seven to 89 days, you’ll have a one-day grace period at renewal to make changes to your CD term. If your CD term is 90 days or more, you’ll have a 10-day grace period to make changes. If you don’t notify us of any changes you want to make during your grace period, your CD will automatically renew to the Synovus CD with a term that most closely matches your FCB CD term, and at the prevailing Synovus rate at the time of renewal.Important Disclosure Information:1All newly opened accounts are subject to approval.2Rate is fixed only for the term of the CD. A penalty may be imposed for early withdrawal. Fees could reduce earnings. Interest is compounded daily. The daily balance method is used to calculate interest. Customer may choose frequency of interest credit and method. If term is longer than 12 months, interest is credited at least annually.

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LoansFrom personal loans and lines of credit, to auto loans, mortgages, and more, Synovus offers you a range of rates and terms to suit your needs and budget. You can learn more at synovus.com or speak with a team member at any branch.

Personal Loans • Your loan terms and conditions will stay the same, including the amount of your monthly payment.

Personal Credit CardsIf you have an FCB credit card, your interest rate, terms, and conditions will remain the same. Please note the following updates beginning May 1, 2019: • You’ll no longer be able to make FCB credit card payments at the branch. • You can access your account online through the Cardmember Service portal at

https://www.myaccountaccess.com/onlineCard/login.do • If you have any questions about your FCB credit card account, please call 1-866-552-8855. Your FCB credit card will continue to be serviced by Elan, a third-party provider.

Synovus Services

Visa® Debit CardsAll Synovus checking accounts are eligible for a Visa® Debit card (or Visa® Platinum Debit card, if applicable) with no monthly usage fee. Add your card to your Apple Pay®, Google Pay™, or Samsung Pay® mobile wallet for even more convenience.If you currently have an FCB debit card, we’ll send you a new Synovus debit card in the coming weeks, and your PIN will stay the same as the one you use today with your FCB debit card. Please activate and begin using your new Synovus debit card as soon as you receive it. If you haven't received your new Synovus debit card by May 10, please call us at 1-888-SYNOVUS (1-888-796-6887). Your current FCB debit card will continue to work until you receive your new Synovus debit card.

ATMsYou can use your debit card at any Synovus ATM and at any Publix® Presto!® ATM with no fee. Visit synovus.com/locations to see all the Synovus branches and ATMs throughout Florida, Georgia, Alabama, Tennessee, and South Carolina. We’re currently replacing FCB ATMs with new Synovus ATMs, which allow you to make deposits, get cash in a variety of bills (such as $1, $5, $20, and $100 bills), and receive your ATM receipts via text to your mobile phone.

Digital Banking (My Synovus)For now, keep using the same online banking services that you use today. Watch your mailbox – we’ll send you more detailed information soon about when your online banking account will convert to the My Synovus digital banking platform. You can begin using My Synovus anytime starting May 6, 2019.

Mobile Banking (My Synovus)Wherever you are, your bank is always in the palm of your hand with the My Synovus app. Simply download the My Synovus app through iTunes® or Google Play™ and use your smartphone to: • Check balances, transfer funds, and find branches and ATMs in seconds. • Deposit your checks in a snap with Mobile Deposit—it’s as easy as taking a picture. • Simplify your life with mobile access to Pay People and Bill Pay. You can also change

payments or view and pay e-bills through the app.You can begin using the My Synovus app on May 6, 2019. Until then, please continue using your FCB Mobile Banking app.

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Synovus Services

Card AlertsSynovus offers two types of card alerts to help you manage your finances and prevent fraud. You can begin using these alerts on or after May 6, 2019.Synovus Card Alerts make it easy to get real-time updates about your account activity. • Enroll your Visa® debit card1 to set a dollar amount of your choice and be notified whenever

any transaction is made for more than your pre-set amount.2 • Choose other types of notifications, including alerts when your card is not present (online or

over-the-phone payments), declined transaction, gas station, and international purchases.You can sign up for Synovus Card Alerts after activating your new Synovus debit card, which will be mailed to you in the coming weeks. To get started, download the Synovus Card Alerts app using your Android or iOS mobile device,3 or sign up online at synovusbank.digitalcardservice.com/app/.Automatic Fraud Alerts are sent to Synovus Visa® and MasterCard® credit card customers when questionable activity is noticed on your account. For example, you may receive a fraud alert if transactions suddenly happen in cities outside your normal footprint, outside the U.S., or are for larger than normal amounts. • These alerts are sent to you automatically by text, email, and/or phone when we see

questionable activity on your account. • Please make sure we have your up-to-date contact information on file at all times so that you

can receive these fraud alerts. You can opt out any time. 1Eligible Synovus debit cards include Visa® Debit, Visa® Platinum Debit, Visa® Business Debit, and Visa® Home Equity Line of Credit cards. Eligible Synovus credit cards include Travel Rewards Visa®, Rewards Visa®, Cash Rewards Visa®, Classic Visa®, Business Travel Rewards Visa®, Business Rewards Visa®, Business Visa®, Visa® Purchasing, and Visa® Corporate cards.2Transactions made using a PIN instead of a signature are not eligible to receive this alert type. 3Use of the Synovus Card Alerts app requires your mobile service provider’s data and/or text plan. Message and data rates may apply.

Digital WalletsDigital Wallets offer protection against fraud, plus the convenience of making on-the-go purchases in an app or with a tap of your smartphone. • Apple Pay®: Use your iPhone (6 or later) or Apple Watch to easily make purchases with

eligible cards1 at participating merchants. • Samsung Pay®: Use your credit and debit cards on Samsung Pay®. • Google Pay™: Choose your device, then simply add your credit or debit cards.1Eligible Synovus debit cards include Visa® Debit, Visa® Platinum Debit, Visa® Business Debit, and Visa® Home Equity Line of Credit cards. Eligible Synovus credit cards include Travel Rewards Visa®, Rewards Visa®, Cash Rewards Visa®, Classic Visa®, Business Travel Rewards Visa®, Business Rewards Visa®, Business Visa®, Visa® Purchasing, and Visa® Corporate cards.

Order of PaymentThis section describes our general practice for paying transactions from your account. We may vary the order of payment if items are presented that cannot be returned unpaid. We reserve the right to change how we pay transactions from your account and will provide you notice of these changes. After the close of the business day, we add your deposits and other credits to your account. We then deduct any fees and charges owed to us. Finally, we deduct all items presented for payment. The order these items are deducted from your account balance is based upon the type of transaction and, for electronic transactions, when the transaction was performed by you or was received by us. • First, we pay outgoing wire transactions in the order they were made. • Then, we pay electronic transactions (First, we pay preauthorized ACH debits, then ATM

transactions, and then check card transactions.) in the order they were performed by you or were received by us.

• Next, we pay unnumbered checks and other items drawn on your account by dollar amount in ascending order.

• Finally, we pay checks drawn on your account in ascending check number order.

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StatementsYou’ll receive your Synovus account statements on or near the same day of the month that you receive your FCB statements. Your statements will contain the same account details you receive now. The look of your statements will change slightly, displaying the Synovus logo as well as the Synovus name of your account(s).If you currently receive paperless statements (e-statements) from FCB, you’ll begin receiving paperless statements from Synovus after your accounts move to Synovus on May 6, 2019. Your statements previously available through FCB Online Banking will be available through the My Synovus digital banking platform.

Direct Deposits and Automatic DraftsFor now, Synovus will continue to accept your existing direct deposits and automatic drafts (ACH transactions). You don't need to take any action. Beginning May 6, 2019, when setting up a new direct deposit or automatic draft (ACH transaction), please use the Synovus routing number: 061100606. You should not use this routing number before May 6.

Checks and Deposit SlipsYou can continue to use your FCB checks and deposit slips for now. After May 6, 2019, you can order new checks and deposit slips by:

• Calling 1-888-SYNOVUS (1-888-796-6887).• Visiting any Synovus branch.• Logging in through My Synovus, our digital banking service, to place an order for checks.

Note: If you choose to order checks and deposit slips from a third-party vendor, please update your routing number to 061100606 beginning May 6, 2019. Don’t use any checks with this routing number until May 6.

Safe Deposit BoxesIf you have a safe deposit box at FCB, it will become a Synovus safe deposit box, and your current rental agreement will stay the same. When your safe deposit box comes up for renewal, your fees may slightly increase or decrease to align with Synovus pricing. We’ll send you a letter 30 days before your safe deposit box renews to notify you of any pricing changes that may take effect.

Home Mortgages1,2Whether you’re buying your first home, settling down when you return from active duty, building a brand-new home, or refinancing your current mortgage, we have a variety of loan options to help you find the best fit.

• Fixed-rate mortgages have predictable payments with a set interest rate for the life of the loan, which means you’ll never be affected by rising market rates.

• Adjustable-rate mortgages provide lower payments initially, with a fixed interest rate for a set period of time (usually three or five years), after which your rate will adjust to the interest rate of a specific index, plus a margin (additional percentage points). The frequency of adjustments, the published index of interest rates, and the margin rate will all be spelled out in the terms of the loan.

• A jumbo loan is bigger than what would ordinarily be the limit. (The “conforming limit” set by Fannie Mae and Freddie Mac guidelines is $510,400 for most of the country.) We offer financing of up to $3 million on first and second homes, with fixed- and adjustable-rate options. Unlike many lenders, we may only require one full appraisal to qualify.

• If you can make monthly mortgage payments but need 100% financing or help with the down payment, we have several first-time homebuyer products. From state bond programs and federal agency assistance to our own Affordable Mortgage Program, financing up to 100%3 and fixed interest rates on loans up to $510,400 may be available—and with no mortgage insurance required.

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Synovus Services

Our mortgage specialists are here to serve you, sharing insights they’ve gained from serving their local markets for years. To find a mortgage specialist near you, visit synovus.com/mortgage. 1Synovus Mortgage is a division of Synovus Bank, Member FDIC, and lends in the state of Georgia, Alabama, Florida, South Carolina, and Tennessee. 2Loans are subject to approval, including credit approval.3Pre-purchase homeownership counseling required; fee applies. Closing costs applicable and escrow required. Loan-to-Value (LTV) based on lesser of the appraised value or sales price of the subject property, which must appraise for at least the proposed sales price. Financing up to $510,400 for primary residences in all counties in Alabama, Florida, Georgia, South Carolina, and Tennessee. Eligible property types: single family detached, detached condo or attached townhome.

Financial Planning1Wherever you are in your financial journey, a financial plan can help you identify your goals — and show you where you are today and outline what you need to do to reach your goals. Most importantly, a financial plan will provide you with a road map of clear action steps designed to get you from here to there. A Synovus financial planner can help you with retirement savings and strategies, asset allocation in your portfolio, saving for your child’s college education, creating an estate plan, and more. For more details, visit synovus.com/financialplanning.

Investment Services1Our financial consultants can help you make more informed investing decisions, carefully factoring in your investment goals and risk tolerance. Plus, we can help you identify qualified programs that defer taxes during your earning years, including IRAs, annuities, and other wealth options designed to help you retire on your terms. And while we can’t predict what the future holds, we can help you reduce financial risk by planning for the unknown with long-term care, life, and disability insurance.2To find a Synovus financial consultant near you, visit us online at synovus.com/investments.

Trust Services1Our Synovus Trust relationship managers can help you protect your assets and provide for your loved ones through the following services:

• Asset Management – We’re here to help preserve and grow any assets you may hold in yourfinancial portfolio—individually or in retirement accounts, trusts, or any other investmentvehicles. Your dedicated relationship manager will shoulder the duties of everything fromplanning to transactions and taxation with professional guidance.

• Trust Administration – If you’ve established a trust to protect your assets and provide for yourloved ones or the organizations you hold dear, you can rely on us to administer your trustover time, abiding by its terms with a deep understanding of your wishes and respect for allcurrent and future beneficiaries.

• Estate Planning & Settlement – A comprehensive estate plan can help protect your assets,minimize taxes, and provide for the future of your family. We’ll work with you and your legaladvisor to put together a personalized plan that will help your heirs enjoy the future youenvision for them. Then, when the time comes to settle your estate, we can relieve theadministrative burden on your loved ones.

Locate a Synovus Trust relationship manager at synovus.com/trustservices.1Investment products and services provided by Synovus are offered through Synovus Securities, Inc (“SSI”), Synovus Trust Company, N.A. (“STC”), GLOBALT, a separately identifiable division of STC, and Creative Financial Group, a division of SSI. Trust services for Synovus are provided by Synovus Trust Company, N.A. The registered broker-dealer offering brokerage products for Synovus is Synovus Securities, Inc., member FINRA/SIPC. Investment products and services are not FDIC insured, are not deposits of or other obligations of Synovus Bank, are not guaranteed by Synovus Bank and involve investment risk, including possible loss of principal amount invested. Synovus Securities, Inc., is a subsidiary of Synovus Financial Corp and an affiliate of Synovus Bank and Synovus Trust. Synovus Trust Company, N.A. is a subsidiary of Synovus Bank. You can obtain more information about Synovus Securities, Inc. and its Registered Representatives by accessing BrokerCheck.2Life insurance may be purchased from Synovus Securities, Inc (“SSI”), an affiliate of Synovus Bank, or from any independent insurance agency. Approval of any bank product or service is not contingent upon purchasing insurance from Synovus Securities, Inc., or any other Synovus affiliate. Insurance products and services are offered through Synovus Securities, Inc., and are not FDIC insured, are not deposits of or other obligations of Synovus Bank, are not guaranteed by Synovus Bank, and involve investment risk, including loss of principal amount invested.

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Private Wealth Management1,2You’ve worked hard to get where you are today, and you should enjoy the rewards. Synovus Private Wealth Management was created to meet your high expectations, bringing your financial life together in a comprehensive solution that’s customized for you. We provide access to sophisticated financial tools and services, the expertise of specialists with advanced qualifications, and guidance from an experienced advisor dedicated to you. Private Wealth Management can help you: • Plan for a comfortable retirement. • Protect your wealth and property. • Use credit to optimize cash flow and income. • Pass assets to your heirs efficiently. • Support a cause that is important to you.

To find a Private Wealth Advisor near you, please visit synovus.com/privatewealth.1Investment products and services provided by Synovus are offered through Synovus Securities, Inc (“SSI”), Synovus Trust Company, N.A. (“STC”), GLOBALT, a separately identifiable division of STC, and Creative Financial Group, a division of SSI. Trust services for Synovus are provided by Synovus Trust Company, N.A. The registered broker-dealer offering brokerage products for Synovus is Synovus Securities, Inc., member FINRA/SIPC. Investment products and services are not FDIC insured, are not deposits of or other obligations of Synovus Bank, are not guaranteed by Synovus Bank and involve investment risk, including possible loss of principal amount invested. Synovus Securities, Inc., is a subsidiary of Synovus Financial Corp and an affiliate of Synovus Bank and Synovus Trust. Synovus Trust Company, N.A. is a subsidiary of Synovus Bank. You can obtain more information about Synovus Securities, Inc. and its Registered Representatives by accessing BrokerCheck.2Approval of any bank product or service is not contingent upon purchasing insurance from Synovus Bank. Insurance products marketed through Synovus and its affiliated companies are underwritten by insurance companies not affiliated with Synovus and are subject to normal underwriting procedures.

Family Office1Financial assets alone do not sustain a family across generations. Strong families do. We’re dedicated to strengthening the family portfolio, but even more importantly, we’re committed to serving the family itself, and its vision. Through a unique understanding of family dynamics, we help achieve financial goals, build continuity, facilitate sound decision-making, strengthen relationships, and cultivate personal and financial growth—all with the long-term interests of the family in mind, generation after generation.Learn more at fam.synovus.com.1Synovus Family Office is a division of Synovus Trust Company, N.A. Investment products and services provided by Synovus are offered through Synovus Securities, Inc (“SSI”), Synovus Trust Company, N.A. (“STC”), GLOBALT, a separately identifiable division of STC and Creative Financial Group, a division of SSI. Trust services for Synovus are provided by Synovus Trust Company, N.A. The registered broker-dealer offering brokerage products for Synovus is Synovus Securities, Inc., member FINRA/SIPC. Investment products and services are not FDIC insured, are not deposits of or other obligations of Synovus Bank, are not guaranteed by Synovus Bank and involve investment risk, including possible loss of principal amount invested.

FDIC InsuranceYour deposits at FCB will continue to be insured by the FDIC up to the maximum amount allowed by law. Any deposits you hold separately at FCB and Synovus before January 1, 2019, will continue to be insured separately for six months.Any deposit made to any account open on or after January 1, 2019, in an FCB location or online is a Synovus deposit for FDIC insurance purposes.Certificates of Deposit (CDs) (including those held within IRAs) are insured separately until July 1, 2019, or until maturity, whichever is later. If you have a CD that’s renewed for the same term and amount during this six-month transition period, the CD will continue to be insured separately until the next renewal date. Otherwise, CDs that mature before July 1, 2019, and that are renewed on any other basis, or that are not renewed and become demand deposits, are separately insured only until July 1, 2019.After the transition periods described above, your deposits at FCB and at Synovus will be added together for the purpose of determining the amount of your FDIC coverage. Your total deposits at Synovus that are in the same ownership rights and capacity will be insured up to $250,000.00. If you have more than $250,000.00 in total deposits at the combined banks, you may call the FDIC directly at 1-877-275-3342 for more information on how your funds may be insured at Synovus.

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Fee ScheduleAccountAll deposit accounts subject to approval

Minimum Deposit to Open

Monthly Service Fee

Options to Avoid the Monthly Service Fee Interest Rate Tiers 1

For current interest rates and Annual Percentage Yields (APYs) contact your banker or call Customer Care at 1-888-SYNOVUS (796-6887).Minimum daily balance to obtain the Annual Percentage Yield:

Preferred Account $100 $25 Maintain one of the following balance requirements (also called a combined balance qualifier) for the statement cycle:

1. $5,000 average daily balance in the PreferredAccount.

2. $15,000 average daily balance in any combination of your interest-bearing checking accounts, personalmoney market accounts or savings accounts, and/or outstanding balances in personal or home equitylines of credit, personal installment loans, or creditcards. 2, 3

3. $25,000 average daily balance in any combination ofthe account options in item 2 above and/or CDs andIRAs. 2, 3

$2 convenience credit available 4

$1,000 – $4,999.99 $25,000 – $49,999.99$5,000 – $24,999.99 $50,000 and greater

A bonus factor of 0.05%, or 5 basis points, is added to the published interest rate for the applicable balance tier if you meet the $15,000 average daily balance requirement to avoid the monthly fee as defined in item 2 in the column titled Options to Avoid the Monthly Service Fee.


Gold CheckingFor customers 55 or older

$100 $10 Either:

• $1,000 average daily balance for the statement cycle• Direct Deposits 5 of at least $500 per statement cycle


$1,000 – $4,999.99 $25,000 – $49,999.99$5,000 – $24,999.99 $50,000 and greater

Free Checking $100 $0 Not applicable

Military Interest Checking For active duty, retired, and reserve military personnel, including DOD civilians

$100 $7 Direct Deposits from Defense Finance and Accounting Services (DFAS) of at least $1.00 per statement cycle


$1,000 – $4,999.99 $25,000 – $49,999.99$5,000 – $24,999.99 $50,000 and greater

Health Savings Account

None $3(appears on statement as monthly maintenance fee)

A $1 per check fee also applies.

Maintain a minimum daily balance of $2,500 for the statement cycle.

No minimum balance to earn interest.

$0 – $999.99 $25,000 – $49,999.99$1,000 – $4,999.99 $50,000 and greater$5,000 – $24,999.99

Personal Banking Products

balance tier. Account has variable interest rate subject to change after account opening and without notice. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). If the account is closed before interest is credited you will not receive the accrued interest. Fees could reduce earnings on interest-bearing accounts. We reserve the right to at anytime require not less than 7 days notice in writing before any withdrawal from an interest bearing account.

2 PreferredAccountownermustbeaprimaryorsecondaryownerontheaccountstobeconsideredforthecombinedbalancequalifier.3 Excludes closed-end mortgage balances.4 If you are assessed a monthly service fee, a $2 convenience credit will be applied to the service fee each month you are enrolled in My Synovus and paperless statements. Use of Mobile Banking requires your

mobile service provider’s data and/or text plan, for which charges may apply.5 A Direct Deposit is the electronic deposit of your salary, pension, Social Security or other regular monthly income by your employer or another agency. Transfers from one account to another and deposits made

at a branch or ATM are not considered Direct Deposits.

Fees effective May 6, 2019, and are subject to change.1 Interest is compounded daily, credited monthly, and paid on the collected balance using the daily balance method. The interest rate on the entire balance in your account will be paid based on the applicable daily

©2018 Synovus Bank, Member FDIC. All rights reserved. Page 1 of 4 SFC

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Not applicable

Signature InterestChecking

$1,000 – $4,999.99 $25,000 – $49,999.99$5,000 – $24,999.99 $50,000 and greater

AccountAll deposit accounts subject to approval


Monthly Service Fee

Options to Avoid the Monthly Service Fee Interest Rate Tiers 1

For current interest rates and Annual Percentage Yields (APYs) contact your banker or call Customer Care at 1-888-SYNOVUS (796-6887).Minimum daily balance to obtain the Annual Percentage Yield:

Preferred Account $100 $25 Maintain one of the following balance requirements (also called a combined balance qualifier) for the statement cycle:

1. $5,000 average daily balance in the PreferredAccount.

2. $15,000 average daily balance in any combination of your interest-bearing checking accounts, personalmoney market accounts or savings accounts, and/or outstanding balances in personal or home equitylines of credit, personal installment loans, or creditcards. 2, 3

3. $25,000 average daily balance in any combination ofthe account options in item 2 above and/or CDs andIRAs. 2, 3


$1,000 – $4,999.99 $25,000 – $49,999.99$5,000 – $24,999.99 $50,000 and greater



Gold CheckingFor customers 55 or older

$100 $10 Either:

• $1,000 average daily balance for the statement cycle• Direct Deposits 5 of at least $500 per statement cycle


$1,000 – $4,999.99 $25,000 – $49,999.99$5,000 – $24,999.99 $50,000 and greater

Free Checking $100 $0 Not applicable

Military Interest Checking For active duty, retired, and reserve military personnel, including DOD civilians

$100 $7 Direct Deposits from Defense Finance and Accounting Services (DFAS) of at least $1.00 per statement cycle


$1,000 – $4,999.99 $25,000 – $49,999.99$5,000 – $24,999.99 $50,000 and greater

Health Savings Account

None $3(appears on statement as monthly maintenance fee)

A $1 per check fee also applies.

Maintain a minimum daily balance of $2,500 for the statement cycle.

No minimum balance to earn interest.

$0 – $999.99 $25,000 – $49,999.99$1,000 – $4,999.99 $50,000 and greater$5,000 – $24,999.99

Personal Banking Products


2 PreferredAccountownermustbeaprimaryorsecondaryownerontheaccountstobeconsideredforthecombinedbalancequalifier.3 Excludes closed-end mortgage balances.4 If you are assessed a monthly service fee, a $2 convenience credit will be applied to the service fee each month you are enrolled in My Synovus and paperless statements. Use of Mobile Banking requires your

mobile service provider’s data and/or text plan, for which charges may apply.5 A Direct Deposit is the electronic deposit of your salary, pension, Social Security or other regular monthly income by your employer or another agency. Transfers from one account to another and deposits made

at a branch or ATM are not considered Direct Deposits.



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Not applicable

Signature InterestChecking

$1,000 – $4,999.99 $25,000 – $49,999.99$5,000 – $24,999.99 $50,000 and greater

©2019 Synovus Bank, Member FDIC. All rights reserved.EQUAL HOUSING

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N/A $15 Either:

• Maintain a minimum daily balance of $1,000• Maintain an average minimum daily balance of $2,000

Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.

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AccountAll deposit accounts subject to approval.For current interest rates and Annual Percentage Yields (APYs) contact your banker or call Customer Care at 1-888-SYNOVUS (796-6887).


Withdrawal and Transfer Transactions 2

Certificate of Deposit3 or IRA < 3 month (7 - 89 days)1

$1,000 Early withdrawals are not permitted4

Certificate of Deposit3 or IRA 3 month (90-179 days)1

$1,000 Early withdrawal interest penalty is 1 month’s interest4

Certificate of Deposit3 or IRA 6 month (180-364 days)1


Certificate of Deposit3 or IRA 1 Year1


Certificate of Deposit3 or IRA 18 month1








Certificate of Deposit3 or IRA5 Year plus1



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7Fees effective May 6, 2019 for all new and renewed CDs/IRAs.1 Generally interest will be credited monthly into Synovus CD accounts. Generally interest is credited every year and at maturity for Synovus IRA accounts. Ask a banker about other interest crediting options. The interest will be compounded daily. The interest is calculated by using the daily balance method which applies a daily periodic rate to the principal in the account each day. The interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.2 If you close your account before interest is credited, you may receive the accrued interest. No withdrawals allowed during a term. The annual percentage yield is based on an assumption that interest will remain in the account until maturity. A withdrawal will reduce earnings. Additional deposits not allowed until maturity.

3 Automatically Renewable Account. Account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate and annual percentage yield have not yet been determined. They will be available on the date of maturity. You have a grace period of 10 calendar days (1 calendar day grace period for 7-89 day CDs) after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period, if any) or we receive written notice from you before maturity of your intention not to renew.4 A penalty will be imposed for withdrawals before maturity. The early interest penalty is calculated on the principle amount being withdrawn according to the term. In certain circumstances, such as the death or incompetence of an account owner, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. We reserve the right to treat any withdrawal which would reduce the balance remaining in the account below the required minimum initial deposit or minimum balance as a withdrawal of the entire account balance and calculate the amount of the penalty accordingly.


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2 Account Transaction Limitations for Savings and Money Market Accounts – Savings and Money Market accounts may have no more than six (6) debit transactions per month or monthly statement cycle. A debit transaction is a check, debit/check card transaction, transfer, or pre-authorized transfer, including those made by phone or modem. Unlimited transactions are permitted if made by the customer in person, by mail, through an ATM or by phone if the check is mailed to the customer. If an account continually exceeds the allowed debit transactions, we may convert it to a checking account.

3 The excessive transaction fee is assessed per occurrence, regardless of the account balance. 4 Personal Savings statements are delivered on a quarterly basis; however, fees and allowable withdrawals and transactions are applied on a per month basis.5 Minor Savings is available to children under the age of 18 (In Alabama, age 19, unless married). It is a joint account with a parent or guardian. The account converts to Signature Personal Savings at the minor’s

18th birthday (19th birthday in Alabama, unless married).



Monthly Maintenance Fee

Balance to Avoid the Monthly Maintenance Fee

Interest Rate Tiers 1 For current interest rates and Annual Percentage Yields (APYs) contact your banker or call Customer Care at 1-888-SYNOVUS (796-6887).Minimum daily balance to obtain the Annual Percentage Yield:


Advantage/PremiumMoney Market 2

$10,000 $15 $10,000 minimum daily or $20,000 average daily balance for the statement cycle

$1,000 – $9,999.99$10,000 – $24,999.99$25,000 – $99,999.99 $100,000 – $249,999.99$250,000 – $499,999.99$500,000 and greater

6 free per month, then $15 per occurrence 3

Signature Money Market 2


$1,000 – $4,999.99$5,000 – $14,999.99$15,000 – $24,999.99 $25,000 – $49,999.99$50,000 – $99,999.99$100,000 and greater


Signature Personal Savings 2

$100 $5 $200 minimum daily balance for the month 4

No minimum balance required to earn interest. A single rate applies.

2 free per month 4, then $3 per occurrence 3

Minor Savings 2, 5 None None None No minimum balance required to earn interest. A single rate applies.


Holiday Savings 2 None None None No minimum balance required to earn interest. A single rate applies.

1 free annually, then $5 per occurrence 3


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7Fees effective May 6, 2019, and are subject to change.1 Interest is compounded daily, credited monthly, and paid on the collected balance using the daily balance method. The interest rate on the entire balance in your account will be paid based on the applicable daily

6 Interest is compounded daily, credited annually, and paid on the collected balance using the daily balance method. The interest is calculated by using the daily balance method, which applies a daily periodic rate to the principal in the account each day. The interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.

7 Penalties may apply for early withdrawals from IRA plans.

Personal Choice Savings IRA 2

$0 $25/annual $1,000 ledger balance every 12-month period




2 Account Transaction Limitations for Savings and Money Market Accounts – Savings and Money Market accounts may have no more than six (6) debit transactions per month or monthly statement cycle. A debit transaction is a check, debit/check card transaction, transfer, or pre-authorized transfer, including those made by phone or modem. Unlimited transactions are permitted if made by the customer in person, by mail, through an ATM or by phone if the check is mailed to the customer. If an account continually exceeds the allowed debit transactions, we may convert it to a checking account.

3 The excessive transaction fee is assessed per occurrence, regardless of the account balance. 4 Personal Savings statements are delivered on a quarterly basis; however, fees and allowable withdrawals and transactions are applied on a per month basis.5 Minor Savings is available to children under the age of 18 (In Alabama, age 19, unless married). It is a joint account with a parent or guardian. The account converts to Signature Personal Savings at the minor’s

18th birthday (19th birthday in Alabama, unless married).



Monthly Maintenance Fee

Balance to Avoid the Monthly Maintenance Fee

Interest Rate Tiers 1 For current interest rates and Annual Percentage Yields (APYs) contact your banker or call Customer Care at 1-888-SYNOVUS (796-6887).Minimum daily balance to obtain the Annual Percentage Yield:


Advantage/PremiumMoney Market 2


$1,000 – $9,999.99$10,000 – $24,999.99$25,000 – $99,999.99 $100,000 – $249,999.99$250,000 – $499,999.99$500,000 and greater


Signature Money Market 2


$1,000 – $4,999.99$5,000 – $14,999.99$15,000 – $24,999.99 $25,000 – $49,999.99$50,000 – $99,999.99$100,000 and greater


Signature Personal Savings 2

$100 $5 $200 minimum daily balance for the month 4


2 free per month 4, then $3 per occurrence 3

Minor Savings 2, 5 None None None No minimum balance required to earn interest. A single rate applies.


Holiday Savings 2 None None None No minimum balance required to earn interest. A single rate applies.

1 free annually, then $5 per occurrence 3


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6 Interest is compounded daily, credited annually, and paid on the collected balance using the daily balance method. The interest is calculated by using the daily balance method, which applies a daily periodic rate to the principal in the account each day. The interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.

7 Penalties may apply for early withdrawals from IRA plans.

Personal Choice Savings IRA 2

$0 $25/annual $1,000 ledger balance every 12-month period




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Schedule of Fees and Charges – Personal AccountsAccount Balancing, per hour $25

Account Closing Fee

DDA/NOW and Savings/MMA(if closed within 90 days of account opening)

$25

Health Savings Account (if closed within 180 days of account opening)

$25

Account Research, per hour, 1 hour minimum $25

ATM TerminalFees

Balance Inquiry or Transfer at a non-Synovus Bank ATM, per transaction 1

$2.50

Mini Statement Print, per item $1.50

Synovus and Publix® Presto!® ATM Transactions including withdrawals, balance inquiries and transfers

Free

Withdrawal (W/D) at a non-Synovus Bank ATM, per transaction 1

$2.50

ATM andVisa® DebitCard

Expedited Card Fee, per card $25

International Transaction Fee, per transaction 1.5%

Monthly or Annual Card Fee Free

Point of Sale Fee (using PIN), per transaction Free

Replacement Card Fee, per card $5

Teller Check Card Advance(at a non-Synovus Bank), per transaction

$5

Check Copies, per copy $3

Check Images, (in printed statements), per statement cycle $3

Check Orders Fees vary depending on quantity and style of checks ordered

Collection Fee for Charged-off Deposit/Savings Accounts $30

Collection Items

Domestic, per item $20

International 2 per item $40

Courier fee (minimum) $35

Foreign Drafts 3, per item $40

Bond Coupon Envelope, per item $20

Sight Drafts, per item $20

Counter/Temporary Checks, per check $0.30

Dormant 4 Account Fee, per month $5 / $10 5

Facsimile, per page $1

Foreign Check Processing 6 Foreign Check Deposit Fee, per check

$7

American Express® Travelers Cheques Deposit Fee, per check

$7

Foreign Check Return Fee 7, per check

$40

Foreign Currency 3, per order $15

Garnishment Processing, per occurrence $100

Notary Service Free

Official Checks, per check $7

Overdrafts, Non-sufficient Funds and Uncollected Funds 8, 9, per occurrence

Military Accounts $29

All Other Accounts $36

Overdraft Collection Fee Fee charged after account balance has been overdrawn for 7 consecutive calendar days.

Military Accounts $25

All Other Accounts $35

Overdraft Protection Transfer, per transfer $10

Photocopies, per page $1

Returned Deposited Item Regular, per item $9

Redeposit, per item $9

Safe Deposit Box(Ask your local branch for available sizes and annual rental fees)

Annual rental Varies by size

Drill fee $150

Late fee (past due after 30 days)

$15

Lost key, per key $20

Statement Copy, interim or duplicate, without images $5

Stop Payment/Caution, per transaction $34

My Synovus with Bill Pay (unlimited access)

No charge

Bill Pay (standard) No charge

Bill Pay Same-Day Payment, per payment 10

$10

Bill Pay Overnight Payment, per payment 10

$15

Tax Levy or Legal Service, per occurrence $100

Telephone Funds Transfer, non-automated, per request $5

Wire Transfer 3, per wire Domestic (Incoming / Outgoing)

$18 / $26

International (Incoming / Outgoing)

$25 / $45

ATM Surcharge, per transaction $3

Check Cashing (for checks drawn on a division of Synovus Bank), per check, by check amount

$0 – $25 Free

$25.01 – $100 $2

$100.01 or more $5

Official Check Replacement, per check $14

Non-Customer Fees and Charges

Fees effective May 6, 2019, and are subject to change. 1 This fee is in addition to any fees the ATM owner might charge. 2 Foreign checks in U.S. dollars are not eligible for deposit but can be sent for collection if the check is greater than or equal to $500 USD. Additional charges may be incurred due to the handling of this transaction

such as legal fees or foreign currency exchange fees, if applicable. The foreign bank may also impose fees, even if the collection is returned unpaid. 3 Plus any additional charges passed from other banks or costs incurred due to the handling of this transaction such as actual legal fees, foreign currency exchange fees, or charges passed from other banks

including return wire fees, if applicable. 4 An account is determined to be dormant when the account owner has neither increased nor decreased the amount of the deposit, nor corresponded with us regarding the deposit for a period of at least sixteen (16) months. 5 ForaccountsopenedinGeorgia,theDormantAccountFee($5)ischargedpermonthonlyforthefirsttwelve(12)monthsafterdormancyhasbeendeterminedandonlyifthebalanceofthedepositis$50or

more. For accounts opened in Alabama, Florida, South Carolina, and Tennessee, the Dormant Account Fee ($10) is charged per month after dormancy has been determined until the account owner makes such contact with us that would end the period of dormancy or there is escheatment to the appropriate state authority.

6 Exclusions apply. Ask your banker for details. 7 This fee is in addition to any fees the foreign bank might charge. 8 Under our standard overdraft practices, a fee may be imposed for overdrafts caused by checks, ACH, and recurring check card transactions. For accounts enrolled in Overdraft Privilege Extended Coverage, a

fee may be imposed for overdrafts caused by checks, ACH, recurring and everyday check card transactions, and ATM transactions.9 We will not charge NSF and/or overdraft fees for items that overdraw an account by a total of $5.00 or less. Additionally, we will limit the number of NSF and/or overdraft fees that may be charged to an account in

a single day to a maximum of six (6) fees.10 Same-day and overnight bill payments may not be accepted by all billers.Order of Payment – This section describes our general practice for paying transactions from your account. We may vary the order of payment if items are presented that cannot be returned unpaid. We reserve the right to change how we pay transactions from your account and will provide you notice of these changes. After the close of the business day, we add your deposits and other credits to your account. We then deduct any fees and charges owed to us. Finally, we deduct all items presented for payment. The order these items are deducted from your account balance is based upon the type of transaction and, for electronic transactions, when the transaction was performed by you or was received by us. First, we pay outgoing wire transactions in the order they were made. Then, we pay electronic transactions (First, we pay preauthorized ACH debits, then ATM transactions, and then check card transactions.) in the order they were performed by you or were received by us. Next, we pay unnumbered checks and other items drawn on your account by dollar amount in ascending order. Finally, we pay checks drawn on your account in ascending check number order.All service marks and trademarks used herein belong to their respective owners.


LENDER

Rev. January 2020

FACTS WHAT DOES SYNOVUS FINANCIAL CORP. (SYNOVUS) DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:l Social Security numberl Incomel Account balances

l Payment historyl Transaction historyl Account transactions

How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Synovus chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Synovus share? Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

Yes No

For joint marketing with other financial companies No We don't share

For our affiliates' everyday business purposes -information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes YesFor nonaffiliates to market to you No We don't share

To limit our sharing

l Call 1-800-695-0987 - our menu will prompt you through your choice(s)Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

Questions? Call toll-free 1-800-695-0987 or go to www.synovus.com/privacy

Privacy Model Disclosure PRIV-MODEL 8/1/2010© 2010 Wolters Kluwer Financial Services, Inc.All rights reserved. 2018.10/1468 201436829 Custom EPRV1468

Who We AreWho is providing this notice? Synovus Bank; Synovus Securities, Inc.; Creative Financial Group, a division of

Synovus Securities, Inc.; Athena Service Corporation.

What We DoHow does Synovus protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Synovus collect my personal information?

We collect your personal information, for example, when youl Open an accountl Deposit moneyl Apply for a loan

l Seek advice about your investmentsl Tell us about your investment or

retirement portfolioWe also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit onlyl sharing for affiliates' everyday business purposes - information about your

creditworthinessl affiliates from using your information to market to youl sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

DefinitionsAffiliates Companies related by common ownership or control. They can be financial and

non-financial companies.l Our affiliates include companies with a Synovus name; Creative Financial

Group, a division of Synovus Securities, Inc. and GLOBALT.Nonaffiliates Companies not related by common ownership or control. They can be financial and

non-financial companies.l Synovus does not share with nonaffiliates so they can market to you.

Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.l Synovus does not jointly market.

Other Important InformationFor California Customers only. We will not share information we collect about you with nonaffiliated third parties, except as permitted by California law, such as to process your transactions or to maintain your account.For Vermont Customers only. We will not share information we collect about you with nonaffiliated third parties, except as permitted by Vermont law, such as to process your transactions or to maintain your account. In addition, we will not share information about your creditworthiness with our affiliates without your authorization.

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Here for you, all across Florida and the Southeast

As part of the Synovus family, you’ll have access to branch locations and an expanded ATM network throughout Florida, Georgia, Alabama, South Carolina, and Tennessee.

To see all of our branch and ATM locations, visit synovus.com/locations.

We’re here to helpIf you have any questions or concerns:

1-888-850-0804 7:00 a.m. to 11:00 p.m. ET

7 days a week

synovus.com/welcomefcb

R April 2019 Synovus Bank, Member FDIC and Equal Housing Lender

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