business & commercial accounts & services welcome to … · as your business grows, so do...

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

BUSINESS & COMMERCIAL ACCOUNTS & SERVICES

Coming together

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

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 business and commercial products and services we offer. You’ll also find details about any differences 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 AccountsBusiness Interest Checking ...............................................................................................2Pro Business Checking .......................................................................................................2Preferred Business Checking ............................................................................................ 3Non-Profit Checking ............................................................................................................. 3Commercial Demand Account .......................................................................................... 3 Commercial Analysis Checking ........................................................................................ 4SCM Interest Checking ....................................................................................................... 4SCM Analysis Checking ......................................................................................................5 IOLTA/IOTA Checking .........................................................................................................5

Money Market AccountsCommercial Money Market Account ...............................................................................6SCM Money Market Account .............................................................................................6

Savings AccountsBusiness Savings .................................................................................................................. 7SCM Savings .......................................................................................................................... 7

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

LoansBusiness and Commercial Loans .....................................................................................8Business and Commercial Lines of Credit .....................................................................8Small Business Administration (SBA) Loans ..................................................................8 Business Credit Cards .........................................................................................................8

Synovus ServicesVisa® Business Debit Card .................................................................................................9Synovus ATMs .......................................................................................................................9Business Electronic Banking .............................................................................................9Card Alerts ..............................................................................................................................9Digital Wallets ...................................................................................................................... 10Order of Payment ............................................................................................................... 10Statements ............................................................................................................................ 10Checks and Deposit Slips ................................................................................................ 10Check Recovery Services...................................................................................................11Safe Deposit Boxes ..............................................................................................................11

FDIC Insurance ......................................................................................................................11

Treasury Management Services .....................................................................................11

Fee Schedule ........................................................................................................................12

New Account Name ChartWe chose your new Synovus account based on the features of your FCB account. If you have any questions, please visit your nearest branch. If you’d like to explore different account options, we’ll be happy to help you after the move to Synovus is completed on May 6, 2019.

Checking Accounts Current FCB Account New Synovus Account

Small Business Checking Small Business Checking Business Checking Business Checking Small Business Grandfathered Small Business Grandfathered Commercial Demand Account Commercial Demand Account Analysis Business Interest Checking Business Interest Checking Business Interest Checking Commercial Checking Commercial Analysis Checking Public Funds Now Checking SCM Interest Checking Commercial Demand Public Funds Public Funds Checking SCM Analysis Checking IOTA IOLTA/IOTA Checking Master Account Deposit Escrow Master DESA Business NOW DESA Non Profit Sub Repurchase Agreement Repurchase Agreement Sweep

Money Market Accounts

Business Money Market Commercial Money Market Account Commercial High Yield Money Market Public Funds Money Market SCM Money Market Account

Savings Accounts

Business Savings Business Savings Public Funds Savings SCM Savings Subsidiary Account DESA MMA Sub

Time Deposit Accounts Business Certificate Business CD Jumbo Business CD Jumbo Public Fund CD SCM CD Public Fund CD <$100,000

Loans

FCB Business Loan Synovus Business Loan FCB Commercial Loan Synovus Commercial Loan FCB SBA Loan Synovus SBA Loan FCB Business Line of Credit Synovus Business Line of Credit FCB Commercial Line of Credit Synovus Commercial Line of Credit

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Checking Accounts

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

Presto!® ATMs. • Friendly business bankers, ready to welcome you in person at a local branch or by phone at

1-888-SYNOVUS (1-888-796-6887).

Business Interest CheckingAvailable for sole proprietors and eligible non-profit organizations, Business Interest Checking1 earns interest on your entire balance, with tiered interest rates that reward higher balances. You’ll receive all the standard benefits for Synovus business checking accounts, plus these additional features: • Check Recovery Services2 at no cost. • A Visa® Business debit card to simplify purchasing with no monthly usage fee.3 • 200 combined debits, credits, and deposited items per statement cycle. • Cash deposits of up to $10,000 per statement cycle at no charge. Business Interest Checking Pricing Information: • Monthly maintenance fee of $10 will be waived with a $2,500 average collected balance for

the statement cycle. • $0.35 for each item over the 200 limit per statement cycle. • $.0015 per $1.00 deposited over the $10,000 limit per statement cycle. • Prime +3% negative collected balance fee.41Interest 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 daily balance tier. Account has a variable interest rate subject to change after account opening and without notice.2More information on Check Recovery Services can be found on page 11 of this booklet.3All newly opened accounts are subject to approval.4The negative collected balance fee is calculated daily based on the average uncollected balance.

Pro Business CheckingPro Business Checking is a simple, flexible way to manage your day-to-day banking. Although the account is tailored to basic banking needs, it comes with all the standard benefits for Synovus checking accounts, plus these additional features: • Get a 10% discount on your first order of business checks. • Check Recovery Services1 at no cost. • A Visa® Business debit card to simplify purchasing with no annual or monthly usage fee.2 • 200 combined debits, credits, and deposited items per statement cycle. • Cash deposits of up to $10,000 per statement cycle at no charge. Pro Business Checking Pricing Information: • Monthly maintenance fee of $10 will be waived with a $1,000 average collected balance for

the statement cycle. • $0.35 for each item over the 200 limit per statement cycle. • $.0015 per $1.00 deposited over the $10,000 limit per statement cycle. • Prime +3% negative collected balance fee.31More information on Check Recovery Services can be found on page 11 of this booklet.2All newly opened accounts are subject to approval.3The negative collected balance fee is calculated daily based on the average uncollected balance.

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Preferred Business CheckingAs your business grows, so do your banking needs. Preferred Business Checking is designed to simplify banking for your expanding business. In addition to the standard benefits for Synovus checking accounts, Preferred Business Checking gives you additional services to manage cash flow, plus generous limits for a high-transaction volume: • $100 discount on your first order of business checks. • Treasury Management services to make managing your business simpler and more efficient.

See page 11 for more information on Synovus Treasury Management services. • Check Recovery Services.1 • A Visa® Business debit card to simplify purchasing with no monthly usage fee.2 • 400 combined debits, credits, and deposited items per statement cycle. • Cash deposits of up to $20,000 per statement cycle at no charge. Preferred Business Checking Pricing Information: • Monthly maintenance fee of $25 will be waived with a $15,000 average collected balance for

the statement cycle. • $0.35 for each item over the 400 limit per statement cycle. • $.0015 per $1.00 deposited over the $20,000 limit per statement cycle. • Select Treasury Management services available (may require additional balance and fees). • Prime +3% negative collected balance fee.31More information on Check Recovery Services can be found on page 11 of this booklet.2All newly opened accounts are subject to approval.3The negative collected balance fee is calculated daily based on the average uncollected balance.

Non-Profit CheckingYou’re working hard to improve our communities. Making it easier and more cost-efficient to manage your money is the least we can do to say thank you. With Non-Profit Checking, there is no maintenance fee or balance requirement, so more of your dollars go directly to your non-profit organization. • 200 combined debits, credits, and deposited items per statement cycle. • Cash deposits of up to $10,000 per statement cycle at no charge.Non-Profit Checking Pricing Information: • $0.35 for each item over the 200 limit per statement cycle. • $.0015 per $1.00 deposited over the $10,000 limit per statement cycle. • Prime +3% negative collected balance fee.11The negative collected balance fee is calculated daily based on the average uncollected balance.

Commercial Demand AccountThe Commercial Demand Account is available for all companies. It’s designed for businesses and companies that want to earn interest. • Cash deposits of up to $20,000 per statement cycle at no charge.Commercial Demand Account Pricing Information: • Monthly maintenance fee of $15 will be waived with a $2,500 average collected balance for

the statement cycle. • $.0012 per $1.00 deposited over the $20,000 limit per statement cycle.

Checking Accounts

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Commercial Analysis CheckingWith a high transaction volume in one or more accounts, tracking and managing activity fees are essential accounting tasks. Our Commercial Analysis Checking account can significantly lighten your workload by providing detailed reporting on balance requirements, services used, activity by transaction type, and average balances on deposit. This account gives you all the standard Synovus business checking features, plus these additional benefits: • A monthly account analysis statement, including a detailed calculation of the investable balance

needed to offset fees and the actual earnings credit. Commercial Analysis Checking Pricing Information: • Monthly maintenance fee of $15. • $0.15 per debit item. • $0.15 per deposited on-us item. • $0.25 per deposit. • $.0012 per $1.00 cash deposited. • Prime +3% negative collected balance fee.1 • Select Treasury Management services available (may require additional balance and fees). If

you’re currently a Treasury Management customer with FCB, you’ll receive a separate mailing in mid-April with more information about Treasury Management services.

Accounts are analyzed each statement cycle. Service charges, if any, are deducted from the account on approximately the 10th day of the following month. Service charges are calculated by applying the per item charges to account activity, then offsetting the charges against the earnings credit applied to the balances maintained in the account. Multiple accounts can be analyzed individually or together, with service charges applied to one primary account.1The negative collected balance fee is calculated daily based on the average uncollected balance.

SCM Interest CheckingSCM Interest Checking allows state, county, and municipal entities to earn a variable interest rate1 on balances. • 200 combined debits, credits, and deposited items per statement cycle. • Cash deposits of up to $10,000 per statement cycle at no charge.SCM Interest Checking Pricing Information: • Monthly maintenance fee of $10 will be waived with a $2,500 average collected balance for

the statement cycle. • $0.35 for each item over the 200 limit per statement cycle. • $.0015 per $1.00 deposited over the $10,000 limit per statement cycle.The Qualified Public Depository designation as defined in Chapter 280, Florida Statutes, will continue for your account.1Variable interest rate is subject to change after account opening and without notice. Interest is compounded daily, credited monthly, and paid on the investable 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.

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SCM Analysis Checking State, county and municipal entities with a large volume of deposits and debits each month may benefit with an SCM Analysis Checking account. Credits based on daily balances will offset fees associated with deposits and debits. This account gives you all the standard Synovus business checking features, plus: • A monthly account analysis statement, including a detailed calculation of the investable balance

needed to offset fees and the actual earnings credit.SCM Analysis Checking Pricing Information: • Monthly maintenance fee of $15. • $0.15 per debit item. • $0.15 per deposited on-us item. • $0.25 per deposit. • $.0012 per $1.00 cash deposited. • Prime +3% negative collected balance fee.1 • Select Treasury Management services available (may require additional balance and fees).Accounts are analyzed each statement cycle. Service charges, if any, are deducted from the account on approximately the 10th day of the following month. Service charges are calculated by applying the per item charges to account activity, then offsetting the charges against the earnings credit applied to the balances maintained in the account. Multiple accounts can be analyzed individually or together, with service charges applied to one primary account. The Qualified Public Depository designation as defined in Chapter 280, Florida Statutes, will continue for your account.1The negative collected balance fee is calculated daily based on the average uncollected balance.

IOLTA/IOTA Checking Safeguarding funds in escrow is a commitment you make to clients. We make it easy for you by offering Interest on Lawyer Trust Accounts (IOLTA) and Interest on Trust Accounts (IOTA). Following state guidelines, we manage the distribution of interest to the state program to fund legal services.IOLTA/IOTA Checking Pricing Information: • Monthly maintenance fee of $12. • $0.15 per debit item. • $0.10 per deposited on-us item. • $0.12 per deposited local Fed-city. • $0.12 per deposited local Fed-RCPC. • $0.12 per deposited non-local Fed-city. • $0.12 per deposited non-local Fed-RCPC. • $0.12 per deposited CCH. • $0.35 per deposit. • $0.13 per preauthorized credit. • $0.0010 per $1.00 cash deposited. • $0.0125 per $100 Deposit Administration charge (calculated on Average Ledger Balance).Service charges are calculated through analysis of account activity, which is offset by a tiered earnings credit given for balances maintained in the account. Earnings credit less total analyzed charges will be forwarded to the State Bar Association.

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Money Market AccountsOur money market accounts feature these standard benefits: • Interest earned on your entire balance.1 • Generous monthly deposits at no fee—up to $5,000 in cash and up to 50 credits and

deposited items per statement cycle. • 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

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.3Six free per month, then $15 per occurrence, regardless of account balance.

Commercial Money Market Account A Synovus Commercial Money Market account lets you earn a market-based interest rate while still maintaining flexible access to your cash. You can save more and earn more with tiered interest rates that reward higher balances.1Commercial Money Market Pricing Information: • Monthly maintenance fee of $10 will be waived with a $5,000 average collected balance for

the statement cycle. • $0.35 for each item over the 50 limit per statement cycle, regardless of account balance. • $.0015 per $1.00 deposited over the $5,000 limit per statement cycle. 1Variable interest rate is subject to change after account opening and without notice. 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.

SCM Money Market Account State, county, and municipal entities can earn a variable interest rate1 on every dollar in the SCM Money Market account. Higher balances earn a higher rate. • 50 combined credits and deposited items per statement cycle. • Cash deposits of up to $5,000 per statement cycle at no charge.SCM Money Market Account Pricing Information: • Monthly maintenance fee of $10 will be waived with a $5,000 average collected balance for

the statement cycle. • $0.35 for each item over the 50 limit per statement cycle. • $.0015 per $1.00 deposited over the $5,000 limit per statement cycle. The Qualified Public Depository designation as defined in Chapter 280, Florida Statutes, will continue for your account.1Variable interest rate is subject to change after account opening and without notice. 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.

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Savings AccountsAll Synovus business savings accounts1 feature these standard benefits: • Interest earned on your entire balance.2 • Generous monthly deposits at no fee—up to $5,000 in cash and up to 50 credits and

deposited items per month.1Account Transaction Limitations for Savings 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. 2Rates are subject to change without notice. Interest is compounded daily, credited monthly, and paid on the collected balance using the daily balance method. No minimum balance required to earn interest. A single rate applies.

Business SavingsThe Business Savings account is the simplest way to begin building up a cash reserve for your company.1 You can easily set up transfers from other Synovus business accounts and make up to two no-fee withdrawals per month.2Business Savings Pricing Information:3 • Monthly maintenance fee of $5 will be waived with a $500 average collected balance

for the month. • $0.35 for each item over the 50 limit per month, regardless of account balance. • $.0015 per $1.00 deposited over the $5,000 limit per month. • $3.00 for each withdrawal in excess of two per month; the excessive transaction fee is assessed

per occurrence, regardless of the account balance. 1Account has a variable interest rate subject to change after account opening and without notice. Interest is compounded daily, credited monthly, and paid on the collected balance using the daily balance method. No minimum balance required to earn interest. A single rate applies.2Savings accounts may have no more than 6 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. 3Business Savings statements are delivered on a quarterly basis; however, fees and allowable withdrawals and transactions are applied on a per month basis.

SCM Savings State, county, and municipal entities can earn a variable interest rate1 on every dollar in the SCM Savings account. Higher balances earn a higher rate. • 50 combined credits and deposited items per month. • Cash deposits of up to $5,000 per month at no charge.SCM Savings Pricing Information:2 • Monthly maintenance fee of $5 will be waived with a $500 average collected balance

for the month. • $0.35 for each item over the 50 limit per month. • $.0015 per $1.00 deposited over the $5,000 limit per month. • $3.00 for each withdrawal in excess of two per month; the excessive transaction fee is

assessed per occurrence, regardless of the account balance.The Qualified Public Depository designation as defined in Chapter 280, Florida Statutes, will continue for your account.1Variable interest rate is subject to change after account opening and without notice. 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. 2SCM Savings statements are delivered on a quarterly basis; however, fees and allowable withdrawals and transactions are applied on a per month basis.

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Time Deposit AccountsCertificates of DepositWhen you have the ability to set aside funds without needing immediate access, Certificates of Deposit (CDs)1,2 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 business 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 the needs and goals of your business. 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.

LoansFrom business and commercial loans and lines of credit, to Small Business Administration (SBA) loans, international trade letters of credit and more, Synovus offers you a range of rates and terms to suit the needs and budget of your business.

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

Business and Commercial Lines of Credit • The terms and conditions of your line of credit will stay the same.

Small Business Administration (SBA) Loans • Your loan terms and conditions will stay the same, including the amount of your monthly payment.

Business 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

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.

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Synovus ServicesVisa® Business Debit CardAll Synovus business checking accounts are eligible for a Visa® Business Debit card with no monthly usage fee. Add your card to your Apple Pay®, Google Pay™ or Samsung Pay® digital 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.

Synovus ATMsYou can use your business 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.

Business Electronic BankingWhen your accounts transition to Synovus on May 6, 2019, you’ll keep using the same Business Electronic Banking (Business e-Banking) service that you use today to access your accounts online. When we move the Business Electronic Banking platform to synovus.com, there may be a short, planned service outage. However, all scheduled transactions will take place as planned. We’ll notify you in advance of any planned outages.

Card Alerts Synovus 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 makes it easy to get real-time updates about your account activity. • Enroll your Visa® Business 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.

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Synovus Services

Digital WalletsWith a Digital Wallet, you gain protection against fraud with 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 debit card transactions) in the order they were performed by you or were received by us.

• Finally, we pay checks and other items drawn on your account by dollar amount in descending order.

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 Business Electronic Banking, that service will not change.

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 from our preferred partner Deluxe by: • Calling 1-888-SYNOVUS (1-888-796-6887) • Visiting any Synovus branch 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. Do not begin using this new routing number until May 6.

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Check Recovery ServicesWhen checks are returned, continued collection efforts can be time-consuming and sometimes unsuccessful for your business. Our Check Recovery service1—a free feature of your business checking account—can relieve the burden and help you increase your overall collection rate.With Check Recovery, returned checks are sent to checXchangeTM (a product from our vendor Money Transfer Systems, Inc.),1 where eligible checks2 are converted for electronic re-presentment. All checks collected successfully through checXchangeTM are reimbursed to your company for 100% of the face value, with collected funds deposited to your account on a weekly basis. You’ll have 24/7 access to item images and tracking information, with re-presentment timed to improve the odds of success.1This service is provided by a third-party service provider (“Vendor”). Synovus Bank and the Vendor are independent, unrelated, and unqualified companies. By establishing this service, you agree to accept the terms and conditions of the Vendor. 2Checks drawn on a personal account and not exceeding $2,500, that are returned for nonsufficient or uncollected funds, qualify for electronic collection.

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, the rate may increase or decrease slightly. We’ll notify you of any differences by mail at least 30 days before your safe deposit box renews.

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.

Treasury Management ServicesIf you are a current FCB Treasury Management Services customer, in mid-April you’ll receive a separate mailing detailing what will change, and what will stay the same, as your Treasury Management Services transition to Synovus.

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Fee Schedule

AccountAll deposit accounts subject to approval

Minimum Deposit to Open

Monthly Maintenance Fee

Other Related Monthly Fees Interest Rate Tiers 1

Pro Business Checking

$100 $10 (can be avoided with $1,000 average collected balance for the statement cycle)

• 200 combined debits, credits, and deposited items per statement cycle. A $0.35 fee will be charged per item in excess, regardless of account balance.

• Each statement cycle, you can deposit up to $10,000 in cash for free. After $10,000, the excessive cash deposited fee is $0.0015 per $1.

• The negative collected balance fee 2 is Prime +3%.

Not applicable

Preferred Business Checking




• Select Treasury Management services available for additional fee.


Not applicable

Business Interest Checking 1

Corporations, partnerships, associations, business trusts, and other organizations are not eligible for this account. Ask your banker about eligibility.

$100 $10(can be avoided with $2,500 average collected balance for the statement cycle)




$0.01 – $999.99 $100,000 – $249,999.99$1,000 – $4,999.99 $250,000 – $499,999.99$5,000 – $24,999.99 $500,000 – $999,999.99$25,000 – $49,999.99 $1,000,000 and greater$50,000 – $99,999.99

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 daily balance tier.

Non-Profit CheckingFor certain non-profit organizations. Ask your banker about eligibility.

$100 None • 200 combined debits, credits, and deposited items per statement cycle. A $0.35 fee will be charged per item in excess, regardless of account balance.



Not applicable

Fees effective May 6, 2019 and are subject to change.Note: The average collected balance is the sum of the daily ledger balances minus uncollected checks deposited, divided by the number of days in the statement period.1 Account has a variable interest rate subject to change after account opening and without notice.2 The negative collected balance fee is calculated daily based on the average uncollected balance.3 Account 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/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.

4 Business Savings statements are delivered on a quarterly basis; however, fees and allowable withdrawals and transactions are applied on a per month basis.5 The excessive transaction fee is assessed per occurrence, regardless of the account balance.

Business Banking Products




Other Related Monthly Fees Interest Rate Tiers 1 Withdrawal and Transfer Transactions 3

Business Savings 1, 3

$100 $5(can be avoided with $500 average collected balance for the month 3 )

• 50 combined credits and deposited items per month 4. A $0.35 fee will be charged per item in excess, regardless of account balance.

• Each statement cycle, you can deposit up to $5,000 in cash for free 4. After $5,000 the excessive cash deposited fee is $0.0015 per $1.

Interest is compounded daily, credited monthly, and paid on the collected balance using the daily balance method. No minimum balance required to earn interest. A single rate applies.

2 free per month 4, then $3.00 per occurrence 5

Commercial Money Market 1, 3

$1,000 $10(can be avoided with $5,000average collected balance for the statement cycle)

• 50 combined credits and deposited items per statement cycle. A $0.35 fee will be charged per item in excess, regardless of account balance.

• Each statement cycle, you can deposit up to $5,000 in cash for free. After $5,000 the excessive cash deposited fee is $0.0015per $1.

$0.01 – $4,999.99 $25,000 – $49,999.99 $5,000 – $14,999.99 $50,000 – $99,999.99$15,000 – $24,999.99 $100,000 and greater


6 free per month, then $15.00 per occurrence 5

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

SFC

–B–0

9051

6




Other Related Monthly Fees Interest Rate Tiers 1

Pro Business Checking





Not applicable

Preferred Business Checking




• Select Treasury Management services available for additional fee.


Not applicable

Business Interest Checking 1

Corporations, partnerships, associations, business trusts, and other organizations are not eligible for this account. Ask your banker about eligibility.

$100 $10(can be avoided with $2,500 average collected balance for the statement cycle)




$0.01 – $999.99 $100,000 – $249,999.99$1,000 – $4,999.99 $250,000 – $499,999.99$5,000 – $24,999.99 $500,000 – $999,999.99$25,000 – $49,999.99 $1,000,000 and greater$50,000 – $99,999.99


Non-Profit CheckingFor certain non-profit organizations. Ask your banker about eligibility.

$100 None • 200 combined debits, credits, and deposited items per statement cycle. A $0.35 fee will be charged per item in excess, regardless of account balance.



Not applicable

Fees effective May 6, 2019 and are subject to change.Note: The average collected balance is the sum of the daily ledger balances minus uncollected checks deposited, divided by the number of days in the statement period.1 Account has a variable interest rate subject to change after account opening and without notice.2 The negative collected balance fee is calculated daily based on the average uncollected balance.3 Account 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/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.

4 Business Savings statements are delivered on a quarterly basis; however, fees and allowable withdrawals and transactions are applied on a per month basis.5 The excessive transaction fee is assessed per occurrence, regardless of the account balance.

Business Banking Products




Other Related Monthly Fees Interest Rate Tiers 1 Withdrawal and Transfer Transactions 3

Business Savings 1, 3

$100 $5(can be avoided with $500 average collected balance for the month 3 )





Commercial Money Market 1, 3

$1,000 $10(can be avoided with $5,000average collected balance for the statement cycle)

• 50 combined credits and deposited items per statement cycle. A $0.35 fee will be charged per item in excess, regardless of account balance.

• Each statement cycle, you can deposit up to $5,000 in cash for free. After $5,000 the excessive cash deposited fee is $0.0015per $1.

$0.01 – $4,999.99 $25,000 – $49,999.99 $5,000 – $14,999.99 $50,000 – $99,999.99$15,000 – $24,999.99 $100,000 and greater




SFC

–B–0

9051

6

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

13

Fee

Sche

dule

Account Balancing, per hour $25

Account Closing Fee

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

$25

Account/Deposit Verification, per request $15

Account Research, per hour, 1 hour minimum $25

Bill Pay Monthly No charge

1-50 payment(s) sent per month No charge

Over 50 payments sent per month $0.80 each

Inactivity for 14 consecutive months $10.95 per month

Check Copies, per copy $3

Check Orders Fees vary depending on quantityand style of checks ordered

Coin and Currency

Cash Deposited, per $1 $0.0015

Coin Purchased, per roll $0.10

Currency Purchased, per strap $0.25

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

Collection Items

Domestic, per item $20

International 1 Incoming per item $60

Outgoing per item $50

Courier fee (minimum) $35

Foreign Drafts, per item $40

Bond Coupon Envelope, per item $20

Sight Drafts, per item $20

Counter/Temporary Checks, per check $0.30

Dormant 3 Account Fee, per month $5 / $10 4

Facsimile, per page $1

ForeignCheckProcessing5

American Express® Travelers Cheques Deposit Fee, per check

$7

Foreign Check Return Fee 6, per check $40

Foreign Currency, per order $15

Garnishment Processing, per occurrence $100

Night Deposit Drop

Plastic Tamper-resistant Bags, per 100 $50

Lost Keys, per key $50

Night Drop Bags, processed $5

Non-sufficient Funds and Overdrafts, per occurrence $36

Notary Service FREE

Official Checks, customers, per check $7

Overdraft Collection Fee

Fee charged after account balance has been overdrawn for seven consecutive calendar days 7

$35

Overdraft Protection Transfer, per transfer $10

Photocopies, per page $1

Returned Deposited Item

Regular, per item $9

Redeposit, per item $9

Statement Copy, interim or duplicate without images $5

Stop Payment/Caution, per transaction $34

Telephone Transfers, non-automated, per request $5

Tax Levy or Legal Service, per occurrence $100

Visa® Business Check Card or Debit Cardand ATM Terminal Fees

Balance Inquiry or Transfer at a non-Synovus Bank ATM, per transaction 8

$2.50

Expedited Card Fee, per card $25

International Transaction Fee, per transaction

1.5%

Mini Statement Print, per item $1.50

Monthly or Annual Card Fee FREE

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

Replacement Card, per card $5

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

FREE

Withdrawal (W/D) at a non-Synovus Bank ATM, per transaction 8

$2.50

Wire Transfers 2, customers, per wire

Domestic (Incoming / Outgoing) $18 / $30

International (Incoming / Outgoing) $25 / $47

Zipper Bag Fee $3

Schedule of Fees and ChargesBusiness Accounts

Fees effective May 6, 2019 and are subject to change. 1 Foreign checks issued in foreign currency not deemed eligible for deposit and foreign checks issued in U.S. dollars drawn on countries other than Canada 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.

2 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.

3 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.

4 ForaccountsopenedinGeorgia,theDormantAccountFee($5)ischargedpermonthonlyforthefirsttwelve(12)monthsafterdormancyhasbeendeterminedandonlyifthebalanceofthedepositis$50ormore. 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.

5 Exclusions apply. Ask your banker for details. 6 This fee is in addition to any fees the foreign bank might charge. 7 Applies to the Commercial Money Market account.8 This fee is in addition to any fees the ATM owner might charge.

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. Finally, we pay checks and other items drawn on your account by dollar amount in descending order.

The service marks and trademarks used herein belong to their respective owners.



Account Closing Fee


$25







Check Copies, per copy $3


Coin and Currency

Cash Deposited, per $1 $0.0015




Collection Items










Facsimile, per page $1

ForeignCheckProcessing5


$7




Night Deposit Drop





Notary Service FREE




$35


Photocopies, per page $1




Statement Copy, interim or duplicate without images $5




Visa® Business Check Card or Debit Cardand ATM Terminal Fees

Balance Inquiry or Transfer at a non-Synovus Bank ATM, per transaction 8

$2.50

Expedited Card Fee, per card $25

International Transaction Fee, per transaction

1.5%

Mini Statement Print, per item $1.50

Monthly or Annual Card Fee FREE

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

Replacement Card, per card $5

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

FREE

Withdrawal (W/D) at a non-Synovus Bank ATM, per transaction 8

$2.50




Zipper Bag Fee $3

Schedule of Fees and ChargesBusiness Accounts

Fees effective May 6, 2019 and are subject to change. 1 Foreign checks issued in foreign currency not deemed eligible for deposit and foreign checks issued in U.S. dollars drawn on countries other than Canada 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.

2 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 ForaccountsopenedinGeorgia,theDormantAccountFee($5)ischargedpermonthonlyforthefirsttwelve(12)monthsafterdormancyhasbeendeterminedandonlyifthebalanceofthedepositis$50ormore. 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.

5 Exclusions apply. Ask your banker for details. 6 This fee is in addition to any fees the foreign bank might charge. 7 Applies to the Commercial Money Market account.8 This fee is in addition to any fees the ATM owner might charge.




14

Fee Schedule

Commercial Banking Products




Other Related Monthly Fees Interest Rate Tiers

Commercial Analysis Checking

SCM Analysis Checking For State, County, and Municipal Entities

$100 $15 • $0.15 per debit item• $0.15 per deposited on-us item • $0.25 per deposit • $0.0012 per $1 cash deposited• The negative collected balance fee is Prime + 3%. 1• 10% reserve requirement

Treasury Management Services available. Additional required balances or fees may apply.

Accounts are analyzed each statement cycle. Service charges, if any, are deducted from the account on approximately the 10th day of the following month. Service charges are calculated by applying the per item charges to account activity, then offsetting the charges against the earnings credit applied to the balances maintained in the account. Multiple accounts can be analyzed individually or together, with service charges applied to one primary account.

Not applicable

Interest on Lawyer Trust Account (IOLTA)/Interest on Trust Accounts (IOTA) Checking

$100 $12 • $0.15 per debit item• $0.10 per deposited on-us item • $0.12 per deposited local Fed-city• $0.12 per deposited local Fed-RCPC• $0.12 per deposited non-local Fed-city• $0.12 per deposited non-local Fed-RCPC• $0.12 per deposited CCH• $0.35 per deposit• $0.13 per preauthorized credit • $0.0010 per $1 cash deposited• $0.0125 per $100 Deposit Administration charge (calculated on

Average Ledger Balance)

Service charges are calculated through analysis of account activity, which is offset by a tiered earnings credit given for balances maintained in the account. Earnings credit less total analyzed charges will be forwarded to the State Bar Association.

Not applicable

SCM Interest Checking 2

For State, County, and Municipal entities

$100 $10

(can be avoided with $2,500 average collected balance for the statement cycle)


• Each statement cycle you can deposit up to $10,000 in cash for free. After $10,000, the excessive cash deposited fee is $0.0015 per $1.

$0.01 – $999.99 $1,000 – $4,999.99 $5,000 – $24,999.99 $25,000 – $49,999.99 $50,000 – $99,999.99 $100,000 – $249,999.99 $250,000 – $499,999.99 $500,000 – $999,999.99 $1,000,000 and greater

Interest is compounded daily, credited monthly, and paid on the investable 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.

©2019 Synovus Bank, Member FDIC. All rights reserved.Commercial – Metro #3 – FCB

Fees effective May 6, 2019 and are subject to change.

Note: The average collected balance is the sum of the daily ledger balances minus uncollected checks deposited, divided by the number of days in the statement period.

1 The negative collected balance fee is calculated daily based on the average uncollected balance.2 Account has a variable interest rate subject to change after account opening and without notice.

Commercial Banking Products




Other Related Monthly Fees Interest Rate Tiers

Commercial Analysis Checking

SCM Analysis Checking For State, County, and Municipal Entities

$100 $15 • $0.15 per debit item• $0.15 per deposited on-us item • $0.25 per deposit • $0.0012 per $1 cash deposited• The negative collected balance fee is Prime + 3%. 1• 10% reserve requirement

Treasury Management Services available. Additional required balances or fees may apply.

Accounts are analyzed each statement cycle. Service charges, if any, are deducted from the account on approximately the 10th day of the following month. Service charges are calculated by applying the per item charges to account activity, then offsetting the charges against the earnings credit applied to the balances maintained in the account. Multiple accounts can be analyzed individually or together, with service charges applied to one primary account.

Not applicable

Interest on Lawyer Trust Account (IOLTA)/Interest on Trust Accounts (IOTA) Checking

$100 $12 • $0.15 per debit item• $0.10 per deposited on-us item • $0.12 per deposited local Fed-city• $0.12 per deposited local Fed-RCPC• $0.12 per deposited non-local Fed-city• $0.12 per deposited non-local Fed-RCPC• $0.12 per deposited CCH• $0.35 per deposit• $0.13 per preauthorized credit • $0.0010 per $1 cash deposited• $0.0125 per $100 Deposit Administration charge (calculated on

Average Ledger Balance)

Service charges are calculated through analysis of account activity, which is offset by a tiered earnings credit given for balances maintained in the account. Earnings credit less total analyzed charges will be forwarded to the State Bar Association.

Not applicable

SCM Interest Checking 2


$100 $10



• Each statement cycle you can deposit up to $10,000 in cash for free. After $10,000, the excessive cash deposited fee is $0.0015 per $1.

$0.01 – $999.99 $1,000 – $4,999.99 $5,000 – $24,999.99 $25,000 – $49,999.99 $50,000 – $99,999.99 $100,000 – $249,999.99 $250,000 – $499,999.99 $500,000 – $999,999.99 $1,000,000 and greater

Interest is compounded daily, credited monthly, and paid on the investable 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.




1 The negative collected balance fee is calculated daily based on the average uncollected balance.2 Account has a variable interest rate subject to change after account opening and without notice.

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

15

Fee

Sche

dule




Other Related Monthly Fees Interest Rate Tiers Withdrawal and Transfer Transactions 2

Advantage Commercial Money Market 1, 2

$10,000 $15


• 50 combined credits and deposited items per month. A $0.35 fee will be charged per item in excess, regardless of account balance.

• Each statement cycle, you can deposit up to $5,000 in cash for free. After $5,000 the excessive cash deposited fee is $0.0015 per $1.

$0.01 – $24,999.99$25,000 – $99,999.99$100,000 – $249, 999.99$250,000 – $499,999.99$500,000 – $999,999.99$1,000,000 – $2,499,999.99$2,500,000 – $4,999,999.99$5,000,000 – $7,499,999.99$7,500,000 and greater

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.


SCM Savings 1, 2


$100 $5

(can be avoided with $500 average collected balance for the statement cycle 3 )





SCM Money Market 1, 2


$1,000 $10




$0.01 – $4,999.99 $5,000 – $24,999.99 $25,000 – $49,999.99 $50,000 – $99,999.99 $100,000 and greater






1 Account has a variable interest rate subject to change after account opening and without notice. 2 Account 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/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 SCM Savings statements are delivered on a quarterly basis; however, fees and allowable withdrawals and transactions are applied on a per month basis.4 The excessive transaction fee is assessed per occurrence, regardless of the account balance.




Other Related Monthly Fees Interest Rate Tiers Withdrawal and Transfer Transactions 2

Advantage Commercial Money Market 1, 2

$10,000 $15




$0.01 – $24,999.99$25,000 – $99,999.99$100,000 – $249, 999.99$250,000 – $499,999.99$500,000 – $999,999.99$1,000,000 – $2,499,999.99$2,500,000 – $4,999,999.99$5,000,000 – $7,499,999.99$7,500,000 and greater



SCM Savings 1, 2


$100 $5

(can be avoided with $500 average collected balance for the statement cycle 3 )





SCM Money Market 1, 2


$1,000 $10




$0.01 – $4,999.99 $5,000 – $24,999.99 $25,000 – $49,999.99 $50,000 – $99,999.99 $100,000 and greater






1 Account has a variable interest rate subject to change after account opening and without notice. 2 Account 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/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 SCM Savings statements are delivered on a quarterly basis; however, fees and allowable withdrawals and transactions are applied on a per month basis.4 The excessive transaction fee is assessed per occurrence, regardless of the account balance.

16

Fee Schedule

Money Service Business

Monthly MSB Currency Processing Fee $100

Emergency Cash Order Fee for Coin and Currency

$200

Non Pickup of Emergency Cash Order Fee for Coin and Currency

$500

MSB Monthly Risk Fee:

Tier I < $100,000 cash out/quarter $250

Tier II $100,000 - $1,000,000 cash out/quarter $350

Tier III > $1,000,000 cash out/quarter $600

Night Deposit Drop





Notary Service FREE




$35





Special Statement Copy, with or without images $5







Zipper Bag Fee $3


Account Closing Fee


$25








Coin and Currency Purchased




Collection Items









Deposit Correction Fee, Commercial Checking only $3


ForeignCheckProcessing 5


$7




Schedule of Fees and ChargesCommercial Accounts


This schedule of fees and charges is applicable to accounts opened in the following counties:

1 Foreign checks issued in foreign currency not deemed eligible for deposit and foreign checks issued in U.S. dollars drawn on countries other than Canada 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.

2 Plus any additional charges passed from other banks or costs incurred due to the handling of this transaction such as actual legal fees, or foreign currency exchange fees, or charges passed from other banks including return wire fees, if applicable.


4ForaccountsopenedinGeorgia,theDormantAccountFee($5)ischargedpermonthonlyforthefirsttwelve(12)monthsafterdormancyhasbeendeterminedandonlyifthebalanceofthedepositis$50ormore. 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.

5 Exclusions apply. Ask your banker for details.6 This fee is in addition to any fees the foreign bank might charge.7 Applies to the following accounts: Advantage Commercial Money Market, SCM Interest Checking, and SCM Money Market.




• Brevard• Broward

• Charlotte• Collier

• Hendry• Hernando

• Hillsborough• Indian River

• Lake• Lee

• Martin• Miami-Dade

• Orange• Palm Beach

• Sarasota• Seminole

• St. Lucie• Volusia

Money Service Business

Monthly MSB Currency Processing Fee $100

Emergency Cash Order Fee for Coin and Currency

$200

Non Pickup of Emergency Cash Order Fee for Coin and Currency

$500

MSB Monthly Risk Fee:

Tier I < $100,000 cash out/quarter $250

Tier II $100,000 - $1,000,000 cash out/quarter $350

Tier III > $1,000,000 cash out/quarter $600

Night Deposit Drop





Notary Service FREE




$35





Special Statement Copy, with or without images $5







Zipper Bag Fee $3


Account Closing Fee


$25








Coin and Currency Purchased




Collection Items









Deposit Correction Fee, Commercial Checking only $3


ForeignCheckProcessing 5


$7




Schedule of Fees and ChargesCommercial Accounts


This schedule of fees and charges is applicable to accounts opened in the following counties:

1 Foreign checks issued in foreign currency not deemed eligible for deposit and foreign checks issued in U.S. dollars drawn on countries other than Canada 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.

2 Plus any additional charges passed from other banks or costs incurred due to the handling of this transaction such as actual legal fees, or foreign currency exchange fees, or charges passed from other banks including return wire fees, if applicable.


4ForaccountsopenedinGeorgia,theDormantAccountFee($5)ischargedpermonthonlyforthefirsttwelve(12)monthsafterdormancyhasbeendeterminedandonlyifthebalanceofthedepositis$50ormore. 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.

5 Exclusions apply. Ask your banker for details.6 This fee is in addition to any fees the foreign bank might charge.7 Applies to the following accounts: Advantage Commercial Money Market, SCM Interest Checking, and SCM Money Market.




• Brevard• Broward

• Charlotte• Collier

• Hendry• Hernando

• Hillsborough• Indian River

• Lake• Lee

• Martin• Miami-Dade

• Orange• Palm Beach

• Sarasota• Seminole

• St. Lucie• Volusia

Not

es

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

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

business & commercial accounts & services welcome to … · as your business grows, so do...

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