Welcome to Synovus: Business & Commercial Accounts & Services

BUSINESS & COMMERCIAL ACCOUNTS & SERVICES Welcome to Synovus Your complete guide to accounts and services transitioning from Florida Community Bank to Synovus 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 help Please 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 Contents

New Account Name Chart...... 1

Checking Accounts Business Interest Checking...... 2 Pro Business Checking...... 2 Preferred Business Checking...... 3 Non-Profit Checking...... 3 Commercial Demand Account...... 3 Commercial Analysis Checking...... 4 SCM Interest Checking...... 4 SCM Analysis Checking...... 5 IOLTA/IOTA Checking...... 5

Money Market Accounts Commercial Money Market Account...... 6 SCM Money Market Account...... 6

Savings Accounts Business Savings...... 7 SCM Savings...... 7

Time Deposit Accounts Certificates of Deposit...... 8

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

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

FDIC Insurance...... 11

Treasury Management Services...... 11

Fee Schedule...... 12 New Account Name Chart We 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

New Account Name Chart 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

1 Checking Accounts

All 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 Checking Available 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. Checking Accounts • $.0015 per $1.00 deposited over the $10,000 limit per statement cycle. • Prime +3% negative collected balance fee.4 1Interest 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 Checking Pro 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.3 1More 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.

2 Checking Accounts 3 plus generouslimitsforahigh-transactionvolume: checking accounts,PreferredBusinessCheckinggivesyouadditionalservicestomanagecashflow, simplify bankingforyourexpandingbusiness.InadditiontothestandardbenefitsSynovus As yourbusinessgrows,sodobankingneeds.PreferredBusinessCheckingisdesignedto Preferred BusinessChecking companies thatwanttoearninterest. The CommercialDemandAccountisavailableforall companies.It’sdesignedforbusinessesand Commercial DemandAccount 1 organization. no maintenancefeeorbalancerequirement,somoreofyourdollarsgodirectlytonon-profit manage yourmoneyistheleastwecandotosaythankyou.WithNon-ProfitChecking,there You’re workinghardtoimproveourcommunities.Makingiteasierandmorecost-efficient Non-Profit Checking 3 2 1 Commercial DemandAccountPricingInformation: Non-Profit CheckingPricingInformation: Preferred BusinessCheckingPricingInformation: More informationonCheckRecoveryServicescanbefoundpage11ofthisbooklet. The negativecollectedbalancefeeiscalculateddailybasedonthe averageuncollectedbalance. The negativecollectedbalancefeeiscalculateddailybasedontheaverageuncollectedbalance. All newlyopenedaccountsaresubjecttoapproval. • • • • • • • • • • • • • • • • • • • $100 discountonyourfirstorderofbusinesschecks. 200 combineddebits,credits,anddepositeditemsperstatementcycle. the statementcycle. See page11formoreinformationonSynovusTreasuryManagementservices. the statementcycle. $.0012 per$1.00deposited overthe$20,000limitperstatementcycle. Monthly maintenancefee of$15willbewaivedwitha$2,500averagecollected balancefor Cash depositsofupto$20,000perstatementcycleat nocharge. Prime +3%negativecollectedbalancefee. $.0015 per$1.00depositedoverthe$10,000limitstatementcycle. $0.35 foreachitemoverthe200limitperstatementcycle. Cash depositsofupto$10,000perstatementcycleatnocharge. Prime +3%negativecollectedbalancefee. Select TreasuryManagementservicesavailable(mayrequireadditionalbalanceandfees). $.0015 per$1.00depositedoverthe$20,000limitstatementcycle. $0.35 foreachitemoverthe400limitperstatementcycle. Monthly maintenancefeeof$25willbewaivedwitha$15,000averagecollectedbalancefor Cash depositsofupto$20,000perstatementcycleatnocharge. 400 combineddebits,credits,anddepositeditemsperstatementcycle. A Visa®Businessdebitcardtosimplifypurchasingwithnomonthlyusagefee. Check RecoveryServices. Treasury Managementservicestomakemanagingyourbusinesssimplerandmoreefficient. 1 1 3

Checking Accounts 4

1 $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. Cash deposits of up to $10,000 per statement cycle at no charge. Cash deposits of up to $10,000 per be waived with a $2,500 average collected balance for Monthly maintenance fee of $10 will $0.15 per deposited on-us item. $0.15 per deposited $0.25 per deposit. cash deposited. $.0012 per $1.00 fee. Prime +3% negative collected balance available (may require additional balance and fees). If Select Treasury Management services Monthly maintenance fee of $15. Monthly maintenance $0.15 per debit item. 200 combined debits, credits, and deposited items per statement cycle. 200 combined debits, credits, and deposited the statement cycle. you’re currently a Treasury Management customer with FCB, you’ll receive a separate mailing you’re currently a Treasury Management about Treasury Management services. in mid-April with more information A monthly account analysis statement, including a detailed calculation of the investable balance analysis statement, including a detailed A monthly account and the actual earnings credit. needed to offset fees • • • • • • • • • • • • • Variable interest rate is subject to change after account opening and without notice. Interest is compounded daily, credited Variable interest rate is subject to change after account opening and without notice. Interest The negative collected balance fee is calculated daily based on the average uncollected balance. The negative collected balance fee is calculated

SCM Interest Checking Pricing Information:

Checking Pricing Information: Commercial Analysis monthly, and paid on the investable balance using the daily balance method. The interest rate on the entire balance in your account monthly, and paid on the investable balance using the daily balance method. The interest will be paid based on the applicable daily balance tier. The Qualified Public Depository designation as defined in Chapter 280, Florida Statutes, will The Qualified Public Depository designation as defined in Chapter 280, continue for your account. 1 together, with service charges applied to one primary account. together, with service charges applied 1 SCM Interest Checking county, and municipal entities to earn a variable interest rate SCM Interest Checking allows state, on balances. Accounts are analyzed each statement cycle. Service charges, if any, are deducted from the account Accounts are analyzed each statement following month. Service charges are calculated by applying on approximately the 10th day of the then offsetting the charges against the earnings credit the per item charges to account activity, in the account. Multiple accounts can be analyzed individually or applied to the balances maintained Commercial Analysis Checking Analysis Commercial are activity fees and managing accounts, tracking in one or more transaction volume With a high significantly lighten account can Analysis Checking Our Commercial accounting tasks. essential by used, activity services on balance requirements, detailed reporting by providing your workload the standard Synovus gives you all deposit. This account balances on type, and average transaction benefits: plus these additional checking features, business 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. Checking Accounts 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.

5 Money Market Accounts Our 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.1 Commercial Money Market Pricing Information:

• Monthly maintenance fee of $10 will be waived with a $5,000 average collected balance for Money Market Accounts 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.

6 Savings Accounts All 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 Savings The 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.2 Business 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.

Savings Accounts 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.

7 Time Deposit Accounts Certificates of Deposit When 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. Time Deposit Accounts / Loans Loans From 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 Cards If 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.

8 Synovus Services Visa® Business Debit Card All 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 ATMs You 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 Banking When 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 Synovus Services Synovus 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.

9 Digital Wallets With 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 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 debit card transactions) in the order they were performed by you or were

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

Statements You’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 Slips You 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.

10 Check Recovery Services When 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 Boxes If 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 Insurance Your 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

Synovus Services / Treasury Management Services Services / Treasury Synovus $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 Services If 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.

11 Business Banking Products

Account Minimum Monthly Other Related Monthly Fees Interest Rate Tiers 1 All deposit accounts Deposit Maintenance subject to approval to Open Fee Pro Business $100 $10 • 200 combined debits, credits, and deposited items per Not applicable Checking (can be avoided statement cycle. A $0.35 fee will be charged per item in with $1,000 excess, regardless of account balance. average collected • Each statement cycle, you can deposit up to $10,000 balance for the Business Banking Products in cash for free. After $10,000, the excessive cash statement cycle) deposited fee is $0.0015 per $1. • The negative collected balance fee 2 is Prime +3%. Preferred $100 $25 • 400 combined debits, credits, and deposited items per Not applicable Business (can be avoided statement cycle. A $0.35 fee will be charged per item in 1 AccountChecking Minimum Monthlywith $15,000 Otherexcess, Related regardless Monthly of account Fees balance. Interest Rate Tiers average collected All deposit accounts Deposit Maintenance • Each statement cycle, you can deposit up to $20,000 balance for the in cash for free. After $20,000, the excessive cash subject to approval to Open Feestatement cycle) deposited fee is $0.0015 per $1. Pro Business $100 $10 • 200 combined debits, credits, and deposited items per Not applicable Checking (can be avoided •statement Select Treasury cycle. AManagement $0.35 fee will services be charged available per item for in with $1,000 excess,additional regardless fee. of account balance. average collected • •Each The negativestatement collected cycle, you balance can deposit fee 2 is up Prime to $10,000 +3%. balance for the in cash for free. After $10,000, the excessive cash $100 statement$10 cycle) • 200 combined debits, credits, and deposited items per $0.01 – $999.99 $100,000 – $249,999.99 Business Interest deposited fee is $0.0015 per $1. Checking 1 (can be avoided statement cycle. A $0.35 fee will be charged per item in $1,000 – $4,999.99 $250,000 – $499,999.99 2 Corporations, with $2,500 • Theexcess, negative regardless collected of accountbalance balance.fee is Prime +3%. $5,000 – $24,999.99 $500,000 – $999,999.99 average collected $25,000 – $49,999.99 $1,000,000 and greater partnerships, • Each statement cycle, you can deposit up to $10,000 Preferred $100 $25balance for the • 400 combined debits, credits, and deposited items per Not$50,000 applicable – $99,999.99 associations, in cash for free. After $10,000, the excessive cash Business (canstatement be avoided cycle) statement cycle. A $0.35 fee will be charged per item in business trusts, and with $15,000 deposited fee is $0.0015 per $1. Checking excess, regardless of account balance. Interest is compounded daily, credited monthly, other organizations average collected • •Each The negativestatement collected cycle, you balance can deposit fee 2 is up Prime to $20,000 +3%. and paid on the collected balance using the daily are not eligible for balance for the in cash for free. After $20,000, the excessive cash balance method. The interest rate on the entire this account. Ask statement cycle) your banker about deposited fee is $0.0015 per $1. balance in your account will be paid based on the eligibility. daily balance tier. • Select Treasury Management services available for Non-Profit $100 None •additional 200 combined fee. debits, credits, and deposited items per Not applicable Checking • Thestatement negative cycle. collected A $0.35 balance fee will fee be 2 chargedis Prime per+3%. item in For certain non-profit excess, regardless of account balance. $100 $10 • 200 combined debits, credits, and deposited items per $0.01 – $999.99 $100,000 – $249,999.99 Businessorganizations. Interest Ask • Each statement cycle, you can deposit up to $10,000 1 (can be avoided statement cycle. A $0.35 fee will be charged per item in $1,000 – $4,999.99 $250,000 – $499,999.99 Checkingyour banker about in cash for free. After $10,000, the excessive cash with $2,500 excess, regardless of account balance. $5,000 – $24,999.99 $500,000 – $999,999.99 Corporations,eligibility. deposited fee is $0.0015 per $1. average collected $25,000 – $49,999.99 $1,000,000 and greater partnerships, • Each statement cycle, you can deposit up to $10,000 balance for the • The negative collected balance fee 2 is Prime +3%. $50,000 – $99,999.99 associations, in cash for free. After $10,000, the excessive cash statement cycle) business trusts, and deposited fee is $0.0015 per $1. other organizations Interest is compounded daily, credited monthly, 2 are not eligible for • The negative collected balance fee is Prime +3%. and paid on the collected balance using the daily balance method. The interest rate on the entire thisAccount account. Ask Minimum Monthly Other Related Monthly Fees Interest Rate Tiers 1 Withdrawal your banker about balance in your account will be paid based on the and Transfer All deposit Deposit Maintenance daily balance tier. Fee Schedule eligibility. 3 accounts subject to Open Fee Transactions Non-Profitto approval $100 None • 200 combined debits, credits, and deposited items per Not applicable Checking statement cycle. A $0.35 fee will be charged per item in ForBusiness certain non-profit $100 $5 • 50 combinedexcess, regardlesscredits and of deposited account balance.items per Interest is compounded daily, credited monthly, 2 free per 1, 3 (can be avoided month 4. A $0.35 fee will be charged per item in and paid on the collected balance using the month 4, then organizations.Savings Ask • Each statement cycle, you can deposit up to $10,000 with $500 average excess, regardless of account balance. daily balance method. No minimum balance $3.00 per your banker about in cash for free. After $10,000, the excessive cash collected balance required to earn interest. A single rate applies. occurrence 5 eligibility. • Eachdeposited statement fee cycle, is $0.0015 you can per deposit $1. up for the month 3 ) to $5,000 in cash for free 4. After $5,000 the • The negative collected balance fee 2 is Prime +3%. excessive cash deposited fee is $0.0015 per $1. Commercial $1,000 $10 • 50 combined credits and deposited items per $0.01 – $4,999.99 $25,000 – $49,999.99 6 free per Money (can be avoided statement cycle. A $0.35 fee will be charged $5,000 – $14,999.99 $50,000 – $99,999.99 month, then AccountMarket 1, 3 Minimum Monthlywith $5,000 Otherper item Related in excess, Monthly regardless Fees of account Interest$15,000 –Rate $24,999.99 Tiers 1 $100,000 and greater Withdrawal$15.00 per average collected balance. occurrence 5 and Transfer All deposit Deposit Maintenancebalance for the Interest is compounded daily, credited monthly, • Each statement cycle, you can deposit up Transactions 3 accounts subject to Open Feestatement cycle) and paid on the collected balance using the to $5,000 in cash for free. After $5,000 the daily balance method. The interest rate on to approval excessive cash deposited fee is $0.0015 the entire balance in your account will be paid Business $100 $5 • 50per combined $1. credits and deposited items per Interest is compounded daily, credited monthly, 2 free per 4 based on the daily balance tier. 4 Savings 1, 3 (can be avoided month . A $0.35 fee will be charged per item in and paid on the collected balance using the month , then with $500 average excess, regardless of account balance. daily balance method. No minimum balance $3.00 per collected balance required to earn interest. A single rate applies. occurrence 5 • Each statement cycle, you can deposit up for the month 3 ) to $5,000 in cash for free 4. After $5,000 the excessive cash deposited fee is $0.0015 per $1. Commercial $1,000 $10 • 50 combined credits and deposited items per $0.01 – $4,999.99 $25,000 – $49,999.99 6 free per Money (can be avoided statement cycle. A $0.35 fee will be charged $5,000 – $14,999.99 $50,000 – $99,999.99 month, then Market 1, 3 with $5,000 per item in excess, regardless of account $15,000 – $24,999.99 $100,000 and greater $15.00 per average collected balance. occurrence 5 balance for the Interest is compounded daily, credited monthly, • Each statement cycle, you can deposit up statement cycle) and paid on the collected balance using the to $5,000 in cash for free. After $5,000 the daily balance method. The interest rate on excessive cash deposited fee is $0.0015 the entire balance in your account will be paid per $1. based on the daily balance tier.

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

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.

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. SFC–B–090516 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.

Account Balancing, per hour $25 Night Plastic Tamper-resistant Bags, per 100 $50 Deposit Drop Account DDA/NOW and Savings/MMA $25 Lost Keys, per key $50 (if closed within 90 days of opening) Closing Fee Night Drop Bags, processed $5 Account/Deposit Verification, per request $15 ScheduleNon-sufficient Funds of and FeesOverdrafts, per and occurrence Charges$36 Account Research, per hour, 1 hour minimum $25 Notary Service FREE Bill Pay Monthly No charge Official Checks, customers,Business per check Accounts$7 1-50 payment(s) sent per month No charge Overdraft Fee charged after account balance has $35 Collection been overdrawn for seven consecutive Over 50 payments sent per month $0.80 each Fee calendar days 7 Inactivity for 14 consecutive months $10.95 per Overdraft Protection Transfer, per transfer $10 Account Balancing, per hour month$25 Night Plastic Tamper-resistant Bags, per 100 $50 Photocopies, per page $1 Deposit Drop AccountCheck Copies , DDA/NOWper copy and Savings/MMA $25$3 Lost Keys, per key $50 Returned Regular, per item $9 ClosingCheck Orders Fee (if closed within 90 daysFees of opening) vary depending on quantity Deposited Night Drop Bags, processed $5 and style of checks ordered Redeposit, per item $9 Account/Deposit Verification, per request $15 Non-sufficientItem Funds and Overdrafts, per occurrence $36 Coin and Cash Deposited, per $1 $0.0015 Account Research, per hour, 1 hour minimum $25 NotaryStatement Service Copy, interim or duplicate without images FREE$5 Currency Coin Purchased, per roll $0.10 Stop Payment/Caution, per transaction $34 Bill Pay Monthly No charge Official Checks, customers, per check $7 Currency Purchased, per strap $0.25 , non-automated, per request $5 1-50 payment(s) sent per month No charge OverdraftTelephone TransfersFee charged after account balance has $35 Collection Fee for Charged-off Deposit/Savings Accounts $30 Collection been overdrawn, per foroccurrence seven consecutive $100 Over 50 payments sent per month $0.80 each Tax Levy or Legal Service Collection Domestic, per item $20 Fee calendar days 7 Visa® Balance Inquiry or Transfer at a non-Synovus $2.50 Items Inactivity for 14 consecutive months $10.95 per International 1 Incoming per item $60 Overdraft ProtectionBank TransferATM, per, transactionper transfer 8 $10 month Business Outgoing per item $50 PhotocopiesCheck Card , perExpedited page Card Fee, per card $25$1 Check Copies, per copy $3 or Debit Courier fee (minimum) $35 Returned Regular,International per item Transaction Fee, 1.5%$9 Check Orders Fees vary depending on quantity Card Deposited per transaction Foreign Drafts, per item and style of checks ordered$40 and ATM Redeposit, per item $9 Item Terminal Mini Statement Print, per item $1.50 Coin and CashBond Deposited, Coupon Envelope, per $1 per item $0.00$2015 StatementFees Copy, interim or duplicate without images $5 Monthly or Annual Card Fee FREE Currency CoinSight Purchased, Drafts, per peritem roll $0.10$20 Stop Payment/Caution, per transaction $34 Point of Sale Fee (using PIN), per transaction FREE Counter/TemporaryCurrency Checks Purchased,, per check per strap $0.25$0.30 Telephone Transfers, non-automated, per request $5 Replacement Card, per card $5 CollectionDormant 3 FeeAccount for Charged-off Fee, per month Deposit/Savings Accounts $5 / $10$30 4 Tax Levy or Legal Service, per occurrence $100 Synovus and Publix® Presto!® ATM FREE CollectionFacsimile , per pageDomestic, per item $20$1 Visa® BalanceTransactions Inquiry including or Transfer withdrawals, at a non-Synovus $2.50 Items ® Foreign InternationalAmerican Express 1 Incoming Travelers per Cheques item $60$7 Business Bankbalance ATM, inquiries per transaction and transfers 8 Check Deposit Fee, per check Check Card 5 Outgoing per item $50 ExpeditedWithdrawal Card (W/D) Fee, at pera non-Synovus card Bank $2.50$25 Processing 6 or Debit Foreign Check Return Fee , per check $40 ATM, per transaction 8 Courier fee (minimum) $35 Card International Transaction Fee, 1.5% , per order $15 Foreign CurrencyForeign Drafts, per item $40 andWire ATM perDomestic transaction (Incoming / Outgoing) $18 / $30 2 Garnishment Processing, per occurrence $100 TerminalTransfers , Mini Statement Print, per item $1.50 Bond Coupon Envelope, per item $20 Feescustomers , International (Incoming / Outgoing) $25 / $47 Sight Drafts, per item $20 per wire Monthly or Annual Card Fee FREE Point of Sale Fee (using PIN), per transaction FREE Counter/Temporary Checks, per check $0.30 Zipper Bag Fee $3 Replacement Card, per card $5 Dormant 3 Account Fee, per month $5 / $10 4 ® ® Fee Schedule Synovus and Publix Presto! ATM FREE Facsimile, per page $1 Transactions including withdrawals, Foreign American Express® Travelers Cheques $7 balance inquiries and transfers Check Deposit Fee, per check Withdrawal (W/D) at a non-Synovus Bank $2.50 Processing5 Foreign Check Return Fee 6, per check $40 ATM, per transaction 8 Foreign Currency, per order $15 Wire Domestic (Incoming / Outgoing) $18 / $30 2 Garnishment Processing, per occurrence $100 Transfers , customers, International (Incoming / Outgoing) $25 / $47 per wire Zipper Bag Fee $3

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 For accounts opened in Georgia, the Dormant Account Fee ($5) is charged per month only for the first twelve (12) months after dormancy has been determined and only if the balance of the deposit is $50 or 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. 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. Fees8 This effective fee is in May addition 6, 2019 to any and fees are the subject ATM ownerto change. might charge. 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 Orderif the ofcheck Payment is greater - This than section or equal describes to $500 our USD. general Additional practice charges for paying may transactionsbe incurred duefrom to your the account.handling Weof this may transaction vary the order such ofas payment legal fees if itemsor foreign are presentedcurrency exchange that cannot fees, be returnedif applicable. unpaid. The We foreign reserve bank themay right also to imposechange fees,how weeven pay if thetransactions collection from is returned your account unpaid. 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 2then Plus deduct any additional any fees chargesand charges passed owed from to otherus. Finally, banks we or costsdeduct incurred all items due presented to the handling for payment. of this The transaction order these such items as actual are deducted legal fees, from foreign your currencyaccount balanceexchange is fees,based or upon charges the typepassed of transaction from other and,banks for electronicincluding transactions, return wire fees, when if applicable.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 3preauthorized An account is ACH determined debits, thento be ATM dormant transactions, when the and account then checkowner card has transactions.)neither increased in the nor order decreased they were the performedamount of theby you deposit, or were nor received corresponded by us. with Finally, us regarding we pay checks the deposit and other for a items period drawn of at leaston your sixteen account by(16) dollar months. amount in descending order. 4 For accounts opened in Georgia, the Dormant Account Fee ($5) is charged per month only for the first twelve (12) months after dormancy has been determined and only if the balance of the deposit is $50 or Themore. service For accountsmarks and opened trademarks in Alabama, used herein Florida, belong South to Carolina, their respective and Tennessee, owners. 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. 13 7 Applies to the©2019 Commercial Synovus Money Bank, Market Member account. FDIC. All rights reserved. 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 Minimum Monthly Other Related Monthly Fees Interest Rate Tiers All deposit accounts Deposit Maintenance subject to approval to Open Fee Commercial $100 $15 • $0.15 per debit item Not applicable Analysis • $0.15 per deposited on-us item Checking • $0.25 per deposit • $0.0012 per $1 cash deposited • The negative collected balance fee is Prime + 3%. 1 • 10% reserve requirement SCM Analysis Checking For State, County, and Municipal Treasury Management Services available. Additional required balances or fees may apply. Entities Accounts are analyzed each statement cycle. Service charges, if any, are deducted from the accountCommercial on approximately the 10th day ofBanking the Products 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 Account Minimum Monthly Otherservice Related charges applied Monthly to one Fees primary account. Interest Rate Tiers All deposit accounts Deposit Maintenance subjectInterest to approval on to$100 Open Fee$12 • $0.15 per debit item Not applicable Lawyer Trust • $0.10 per deposited on-us item CommercialAccount (IOLTA)/ $100 $15 •• $0.1 $0.125 per per debit deposited item local Fed-city Not applicable •• $0.1 $0.125 per per deposited deposited on-us local itemFed-RCPC AnalysisInterest on Trust Checking •• $0. $0.1225 per per deposit deposited non-local Fed-city Accounts (IOTA) •• $0.001 $0.12 2per per deposited $1 cash depositednon-local Fed-RCPC Checking •• The $0.12 negative per deposited collected CCH balance fee is Prime + 3%. 1 ••10% $0.35 reserve per deposit requirement SCM Analysis • $0.13 per preauthorized credit Checking For • $0.0010 per $1 cash deposited State, County, • $0.0125 per $100 Deposit Administration charge (calculated on and Municipal TreasuryAverage Management Ledger Balance) Services available. Additional required balances or fees may apply. Entities Service charges are calculated through analysis of account activity, Accountswhich is offsetare analyzed by a tiered each earnings statement credit cycle. given Service for balances charges, if any, aremaintained deducted in from the account.the account Earnings on approximately credit less totalthe 10th analyzed day of the followingcharges month.will be forwardedService charges to the Stateare calculated Bar Association. 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. SCM Interest $100 $10 Multiple• 200 combined accounts debits, can be credits, analyzed and individually deposited oritems together, per statement with $0.01 – $999.99 cycle. A $0.35 fee will be charged per item in excess, regardless of Checking 2 (can be service charges applied to one primary account. $1,000 – $4,999.99 account balance. avoided with $5,000 – $24,999.99 For State, County, $100 $12 • $0.15 per debit item Not$25,000 applicable – $49,999.99 Interest on $2,500 average • Each statement cycle you can deposit up to $10,000 in cash for free. Lawyerand Municipal Trust • $0.10 per deposited on-us item $50,000 – $99,999.99 entities collected After $10,000, the excessive cash deposited fee is $0.0015 per $1. Account (IOLTA)/ balance for • $0.12 per deposited local Fed-city $100,000 – $249,999.99 • $0.12 per deposited local Fed-RCPC $250,000 – $499,999.99 Interest on Trust the statement cycle) • $0.12 per deposited non-local Fed-city $500,000 – $999,999.99 Accounts (IOTA) • $0.12 per deposited non-local Fed-RCPC $1,000,000 and greater Checking • $0.12 per deposited CCH Interest is compounded daily, credited • $0.35 per deposit monthly, and paid on the investable • $0.13 per preauthorized credit balance using the daily balance method. • $0.0010 per $1 cash deposited The interest rate on the entire balance • $0.0125 per $100 Deposit Administration charge (calculated on in your account will be paid based on Average Ledger Balance) the applicable daily balance tier. Fee Schedule 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.

SCM Interest $100 $10 • 200 combined debits, credits, and deposited items per statement $0.01 – $999.99 cycle. A $0.35 fee will be charged per item in excess, regardless of Checking 2 (can be $1,000 – $4,999.99 account balance. avoided with $5,000 – $24,999.99 For State, County, $25,000 – $49,999.99 $2,500 average • Each statement cycle you can deposit up to $10,000 in cash for free. and Municipal $50,000 – $99,999.99 entities collected After $10,000, the excessive cash deposited fee is $0.0015 per $1. balance for $100,000 – $249,999.99 the statement $250,000 – $499,999.99 cycle) $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.

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

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.

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.

©2019 Synovus Bank, Member FDIC. All rights reserved. Commercial – Metro #3 – FCB Account Minimum Monthly Other Related Monthly Fees Interest Rate Tiers Withdrawal All deposit accounts Deposit Maintenance and Transfer subject to approval to Open Fee Transactions 2 Advantage $10,000 $15 • 50 combined credits and deposited items per $0.01 – $24,999.99 6 free per month, month. A $0.35 fee will be charged per item in $25,000 – $99,999.99 then $15.00 per Commercial (can be avoided excess, regardless of account balance. $100,000 – $249, 999.99 occurrence 4 Money with $10,000 $250,000 – $499,999.99 1, 2 average Market • Each statement cycle, you can deposit up $500,000 – $999,999.99 collected to $5,000 in cash for free. After $5,000 the $1,000,000 – $2,499,999.99 balance for excessive cash deposited fee is $0.0015 $2,500,000 – $4,999,999.99 the statement per $1. $5,000,000 – $7,499,999.99 cycle) $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 $100 $5 • 50 combined credits and deposited items per Interest is compounded daily, credited 2 free per month 3, 1, 2 month 3. A $0.35 fee will be charged per item monthly, and paid on the collected then $3.00 per Savings (can be in excess, regardless of account balance. balance using the daily balance method. occurrence 4 avoided with For State, County, No minimum balance required to earn $500 average and Municipal • Each statement cycle, you can deposit up interest. A single rate applies. entities collected to $5,000 in cash for free 3. After $5,000 the Account Minimum Monthlybalance for Otherexcessive Related cash deposited Monthly fee Fees is $0.0015 Interest Rate Tiers Withdrawal All deposit accounts Deposit Maintenancethe statement per $1. and Transfer subject to approval to Open Feecycle 3 ) Transactions 2 AdvantageSCM Money $10,000$1,000 $15$10 •• 5050 combinedcombined creditscredits andand depositeddeposited itemsitems perper $0.01$0.01 –– $24,999.99$4,999.99 66 freefree perper month,month, Market 1, 2 month.month. AA $0.35$0.35 feefee willwill bebe chargedcharged perper itemitem inin $25,000$5,000 – – $24,999.99 $99,999.99 thenthen $15.00$15.00 perper Commercial (can(can bebe avoidedavoided 4 excess,excess, regardlessregardless ofof accountaccount balance.balance. $100,000$25,000 – – $49,999.99 $249, 999.99 occurrenceoccurrence 4 Money withwith $10,000$5,000 For State, County, $250,000$50,000 – – $99,999.99 $499,999.99 1, 2 averageaverage • Each statement cycle, you can deposit up Marketand Municipal • Each statement cycle, you can deposit up $500,000$100,000 –and $999,999.99 greater collectedcollected to $5,000 in cash for free. After $5,000 the entities to $5,000 in cash for free. After $5,000 the $1,000,000 – $2,499,999.99 balancebalance forfor excessive cash deposited fee is $0.0015 Interest is compounded daily, credited excessive cash deposited fee is $0.0015 $2,500,000 – $4,999,999.99 thethe statementstatement per $1. monthly, and paid on the collected per $1. $5,000,000 – $7,499,999.99 cycle)cycle) balance using the daily balance method. $7,500,000The interest and rate greater on the entire balance in Interestyour account is compounded will be paid daily, based credited on the monthly,applicable and daily paid balance on the tier.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 $100 $5 • 50 combined credits and deposited items per Interest is compounded daily, credited 2 free per month 3, 1, 2 month 3. A $0.35 fee will be charged per item monthly, and paid on the collected then $3.00 per Savings (can be in excess, regardless of account balance. balance using the daily balance method. occurrence 4 avoided with For State, County, No minimum balance required to earn $500 average and Municipal • Each statement cycle, you can deposit up interest. A single rate applies. entities collected to $5,000 in cash for free 3. After $5,000 the balance for excessive cash deposited fee is $0.0015 the statement per $1. cycle 3 ) SCM Money $1,000 $10 • 50 combined credits and deposited items per $0.01 – $4,999.99 6 free per month, 1, 2 month. A $0.35 fee will be charged per item in $5,000 – $24,999.99 then $15.00 per Market (can be avoided excess, regardless of account balance. $25,000 – $49,999.99 occurrence 4 with $5,000 For State, County, $50,000 – $99,999.99 average and Municipal • Each statement cycle, you can deposit up $100,000 and greater entities collected to $5,000 in cash for free. After $5,000 the balance for excessive cash deposited fee is $0.0015 Interest is compounded daily, credited the statement per $1. monthly, and paid on the collected cycle) 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. Fee Schedule

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 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.

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.

Account Balancing, per hour $25 Money Monthly MSB Currency Processing Fee $100 Service Account DDA/NOW and Savings/MMA $25 Emergency Cash Order Fee for Coin and $200 Business Closing Fee (if closed within 90 days of opening) Currency

Account/Deposit Verification, per request $15 Non Pickup of Emergency Cash Order Fee $500 for Coin and Currency Account Research, per hour, 1 hour minimum $25 MSB Monthly Risk Fee: Monthly No charge Bill Pay ScheduleTier I < $100,000of Fees cash out/quarter and Charges$250 1-50 payment(s) sent per month No charge Tier II $100,000 - $1,000,000 cash out/quarter $350 Over 50 payments sent per month $0.80 each Commercial Accounts Tier III > $1,000,000 cash out/quarter $600 Inactivity for 14 consecutive months $10.95 per month Night Plastic Tamper-resistant Bags, per 100 $50 Check Orders Fees vary depending on quantity Deposit Account Balancing, per hour $25 Money LostMonthly Keys, MSB per Currencykey Processing Fee $100$50 and style of checks ordered Drop Service Account DDA/NOW and Savings/MMA $25 NightEmergency Drop Bags, Cash processedOrder Fee for Coin and $200$5 Coin and Coin Purchased, per roll $0.10 Business Closing Fee (if closed within 90 days of opening) Non-sufficientCurrency Funds and Overdrafts, per occurrence $36 Currency Currency Purchased, per strap $0.25 PurchasedAccount/Deposit Verification, per request $15 Notary ServiceNon Pickup of Emergency Cash Order Fee FREE$500 for Coin and Currency CollectionAccount Research Fee for Charged-off, per hour, 1 Deposit/Savingshour minimum Accounts $30$25 Official Checks, customers, per check $7 MSB Monthly Risk Fee: Collection Domestic, per item $20 Bill Pay Monthly No charge Overdraft Fee charged after account balance has been $35 Tier I < $100,000 cash out/quarter $250 Items International 1 Incoming per item $60 Collection overdrawn for seven consecutive calendar 1-50 payment(s) sent per month No charge Fee daysTier II7 $100,000 - $1,000,000 cash out/quarter $350 Outgoing per item $50 Over 50 payments sent per month $0.80 each Overdraft ProtectionTier III >Transfer $1,000,000, per cashtransfer out/quarter $600$10 Courier fee (minimum) $35 Inactivity for 14 consecutive months $10.95 per month ReturnedNight Regular,Plastic Tamper-resistant per item Bags, per 100 $50$9 Foreign Drafts, per item $40 Fees vary depending on quantity Deposited Check Orders Deposit Redeposit,Lost Keys, per itemkey $50$9 Bond Coupon Envelope, per itemand style of checks ordered$20 ItemDrop Night Drop Bags, processed $5 Coin and SightCoin Purchased,Drafts, per item per roll $0.10$20 Special Statement Copy, with or without images $5 Non-sufficient Funds and Overdrafts, per occurrence $36 Counter/TemporaryCurrency Currency Checks Purchased,, per check per strap $0.30$0.25 Stop Payment/Caution, per transaction $34 Purchased Notary Service FREE Deposit Correction Fee, Commercial Checking only $3 Tax Levy or Legal Service, per occurrence $100 Collection Fee for Charged-off Deposit/Savings Accounts $30 Official Checks, customers, per check $7 Dormant 3 Account Fee, per month $5 / $10 4 Telephone Transfers, non-automated, per request $5 Collection Domestic, per item $20 Overdraft Fee charged after account balance has been $35 Foreign American Express® Travelers Cheques $7 Wire Domestic (Incoming / Outgoing) $18 / $30 Items 1 Collection overdrawn for seven consecutive calendar Check DepositInternational Fee, per checkIncoming per item $60 Transfers 2, Fee days 7 5 , International (Incoming / Outgoing) $25 / $47 Processing Foreign Check ReturnOutgoing Fee 6, per per check item $40$50 customers perOverdraft wire Protection Transfer, per transfer $10 Courier fee (minimum) $35 Foreign Currency, per order $15 ZipperReturned Bag FeeRegular, per item $3$9 Foreign Drafts, per item $40 Garnishment Processing, per occurrence $100 Deposited Redeposit, per item $9 Bond Coupon Envelope, per item $20 Item Sight Drafts, per item $20 Special Statement Copy, with or without images $5 Counter/Temporary Checks, per check $0.30 Stop Payment/Caution, per transaction $34 Fee Schedule Deposit Correction Fee, Commercial Checking only $3 Tax Levy or Legal Service, per occurrence $100 Dormant 3 Account Fee, per month $5 / $10 4 Telephone Transfers, non-automated, per request $5 Foreign American Express® Travelers Cheques $7 Wire Domestic (Incoming / Outgoing) $18 / $30 Check Deposit Fee, per check Transfers 2, 5 , International (Incoming / Outgoing) $25 / $47 Processing Foreign Check Return Fee 6, per check $40 customers per wire Foreign Currency, per order $15 Zipper Bag Fee $3 Garnishment Processing, per occurrence $100

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

This schedule of fees and charges is applicable to accounts opened in the following counties: • Brevard • Charlotte • Hendry • Hillsborough • Lake • Martin • Orange • Sarasota • St. Lucie • Broward • Collier • Hernando • Indian River • Lee • Miami-Dade • Palm Beach • Seminole • Volusia

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. 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 For accounts opened in Georgia, the Dormant Account Fee ($5) is charged per month only for the first twelve (12) months after dormancy has been determined and only if the balance of the deposit is $50 or 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 Feescontact effective with us May that 6would, 2019 end and the are period subject of dormancy to change. or there is escheatment to the appropriate state authority. 5 Exclusions apply. Ask your banker for details. This schedule of fees and charges is applicable to accounts opened in the following counties: 6 This fee is in addition to any fees the foreign bank might charge. •7 BrevardApplies to the following• Charlotte accounts: Advantage• Hendry Commercial• MoneyHillsb oMarket,rough SCM Interest• Lake Checking,• Martin and SCM Money Market.• Orange • Sarasota • St. Lucie • Broward • Collier • Hernando • Indian River • Lee • Miami-Dade • Palm Beach • Seminole • Volusia 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 reserve1 Foreign the checks right toissued change in foreign how we currency pay transactions not deemed from eligible your foraccount deposit and and will foreign provide checks you notice issued of in these U.S. dollarschanges. drawn After on the co untriesclose of other the businessthan Canada day, are we notadd eligible your deposits for deposit and but other can credits be sent to for your collection account.if the check We then is greater deduct than any or fees equal and to charges$500 USD. owed Additional to us. Finally, charges we may deduct be incurred all items due presented to the handling for payment. of this Thetransaction order these such itemsas legal are fees deducted or foreign from currency your account exchange balance fees, is if basedapplicable. upon The the foreigntype of bank transactionmay also imposeand, for fees, electronic even iftransactions, the collection when is returned the transaction unpaid. 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 transactions2 Plus any additional (First, we charges pay preauthorized passed from ACH other debits, banks thenor costs ATM incurred transactions, due to theand handling then check of this card transaction transactions.) such inas the actual order le galthey fees, were or performedforeign currency by you exchange or were received fees, or chargesby us. Finally, passed we from pay other checks banks and otherincluding items returndrawn wire on your fees, account if applicable. by dollar amount in descending order. 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 The service marks and trademarks used herein belong to their respective owners. (16) months. 4 For accounts opened in Georgia, the Dormant Account Fee ($5) is charged per month only for the first twelve (12) months after dormancy has been determined and only if the balance of the deposit is $50 or 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©2019 us that wouldSynovus end theBank, period Member of dormancy FDIC. or thereAll rights is escheatment reserved. to the appropriate state authority. 5 Exclusions Commercialapply. Ask your –banker Metro for #3 details. – FCB 16 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.

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

©2019 Synovus Bank, Member FDIC. All rights reserved. Commercial – Metro #3 – FCB Notes Notes Notes 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 help If you have any questions or concerns:

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

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