Synovus Website Terms and Conditions of Use

Effective as of January 12, 2017

PLEASE READ THESE SYNOVUS WEBSITE TERMS AND CONDITIONS OF USE (“Terms of Use”) CAREFULLY. BY USING www.synovus.com (“Site”), YOU AGREE TO BE BOUND BY THESE TERMS OF USE. THESE TERMS OF USE ARE SUBJECT TO CHANGE. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS OF USE POSTED TO THIS WEBSITE FROM TIME TO TIME. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, PLEASE DO NOT ACCESS THIS WEBSITE.

This Site
Welcome to Synovus Bank's Site. This Site is owned by Synovus Bank (“Synovus”, “we” or “us”) and is operated for the benefit of itself and its corporate affiliates including, but not limited to, Synovus Trust Company, N. A., and Synovus Securities Inc. (collectively “Affiliates”). Certain portions of this Site may be owned or operated by an individual Synovus Affiliate or link to a website owned or operated by a third party. Synovus provides this Site to you subject to these Terms of Use and the Synovus Internet Privacy Statement. The Synovus Internet Privacy Statement is hereby incorporated into and made a part of these Terms of Use by this reference.

Your Representations
You represent and warrant that you are: a resident of the United States, of the legal age of majority in your state of residence, and legally competent to enter into a binding legal contract.

Privacy
To understand how we handle information that we may collect from you when you visit this Site, please see the Synovus Internet Privacy Statement. Customers of the Synovus Trust Company, N.A., please see this specific Privacy Policy. If you are an individual (non-business) Synovus customer, all information that we collect from or about you, including from this Site, is shared in accordance with the Synovus Privacy Notice. You also agree that Synovus may take measures reasonably necessary to verify your identity when you apply for or use Synovus products or services.

Use of this Site
This Site is provided for your information and as a means to access certain products and services provided by Synovus Bank or its Affiliates. Your use of any product or service accessed through this Site is governed by your agreement(s) and disclosures with Synovus or its Affiliate applicable to the product or service. As with any website, information on this Site may contain typographical errors or other inaccuracies and Synovus may change or update the Site, including, without limitation, to correct errors and inaccuracies. Synovus reserves the right to refuse you access to this Site, or to any service accessible through this Site, to terminate your accounts, and/or cancel requests for new services in its discretion, including, without limitation, if Synovus believes that your conduct violates these Terms of Use or applicable law or is harmful to the interests of Synovus or any other user.

You agree that you will not (and you agree not to encourage or allow any third party to):

breach, test, or circumvent (or attempt to breach, test or circumvent) any security, copy protection or rights management feature in the Site or otherwise attempt to gain unauthorized access to the Site, other users’ accounts or Synovus’ computer systems or networks;
copy, modify, translate, adapt or otherwise create derivative works or improvements (whether or not patentable) of any part of the Site;
decompile, reverse engineer, disassemble or decode the Site or otherwise attempt to derive or gain access to the source code of any part of the Site (unless applicable laws specifically prohibit such restriction);
remove, alter or obscure any copyright, trademark or other intellectual property or proprietary notices contained in the Site or content of the Site;
use any robot, spider, site search/retrieval application, or other automated device, process or means to access, retrieve, scrape or index any portion of the Site;
rent, lease, lend, sell, sublicense, assign, distribute, publish, transfer or otherwise make available any features or functionality of the Site to any third party for any reason;
distribute, rent, sublicense, lease, lend, sell, resell, assign, transfer, transmit, stream, broadcast or otherwise make available or exploit any features or functionality of the Site including though time-sharing, use of service bureau or by otherwise making the Site available on a network on which it is accessible by more than one device at any time;
reformat or frame any portion of the web pages that are part of the Site without Synovus’ written consent;
cause or launch any programs or scripts for the purpose of scraping, indexing, surveying, or otherwise data mining any portion of the Site or unduly burdening or hindering the operation and/or functionality of any aspect of the Site; or
collect or store personal data about any other user without his or her express prior written consent.

Information You Provide To Us
Any feedback, data, answers, questions, comments, suggestions, ideas or the like that you send to us (collectively, “Ideas”) will be treated as being non-confidential and non-proprietary. We assume no obligation to protect such information from disclosure and we may reproduce, use, modify and distribute the Ideas to others.

By submitting an Idea, you represent and warrant that:

your Idea is true and accurate;
you own or otherwise control all of the rights to your Idea including copyrights and trademarks, necessary to meet your obligations to Synovus under these Terms of Use;
your Idea is not defamatory, libelous, hateful, violent, obscene, pornographic, unlawful or otherwise offensive or unlawful; and
your Idea does not violate the privacy, publicity, intellectual property or other rights of any other person or entity.

Copyrights and Trademarks and Restrictions on Use
This Site and all content of the Site are owned and controlled by Synovus or its Affiliates, except as otherwise expressly stated, and are protected by U.S. copyright laws and international treaties. The copyrighted materials on the Site include, but are not limited to, the design, text, images, software, source code, graphics and other content on the Site. The SYNOVUS logo and other trademarks and service marks are owned by Synovus or its Affiliates. Other trademarks and logos used on the Site to identify the source of goods or services are trademarks or service marks owned by Synovus, its Affiliates, or third parties. Any open source or third-party code incorporated in the Site is covered by the applicable open source or third-party license authorizing its use.

How You May Use Our Materials
You may not copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works of, or republish all or any portion of the Site for any commercial or public purpose without Synovus' prior written consent. You may use, copy and distribute the materials found on this Site for internal, noncommercial, information purposes only. All copies that you make of the materials must contain any copyright, trademark or other proprietary notice on the original materials. You acknowledge that you do not acquire any ownership rights by printing or downloading copyrighted material. All such rights are retained by Synovus or its Affiliates or licensors or any third party owner of such rights. You may not modify the materials. Except as authorized in this paragraph, you are not being granted a license under any copyright, trademark, patent or other intellectual property right in the material or the products, services, processes or technology described therein. Requests for a license should be made in writing to Synovus Financial Corp., ATTN: General Counsel's Office, P. O. Box 120, Columbus, GA 31902. You acknowledge that the trade secrets embodied in the Site have not been and will not be licensed or otherwise disclosed to you. All rights not expressly granted herein are reserved by Synovus.

Registration information
You may be invited to register on the Site in order to obtain information or products or services. In registering on the Site for any purpose, you agree to provide accurate, true, current, and complete information about you and/or your business as requested by the registration screens.

Access to Synovus Products and Services
If you are a Synovus customer for certain products or services, you may be able to access some or all of them through the Site, such as Online Banking, Business Banking Center, Portfolio Online, Retirement Plans, Online Investments, and CardView®. Separate agreements and/or terms and conditions may apply to these other products and services. In the event of a conflict between these Terms of Use and any product or service-specific agreement or disclosure, the product or service-specific agreement or disclosure will prevail. The Terms of Use do apply to services provided on this Site that do not require a log in and password, such as a mortgage calculator, a branch or ATM locator, or certain application or enrollment forms.

Links to Other Websites
This Site may contain hyperlinks to other websites (“Linked Sites”). Synovus is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Synovus of the Linked Sites or of any products or services offered or information provided on the Linked Sites or any association between Synovus and the Linked Sites ' operators. Synovus does not have control over, and is in no manner responsible or liable for, the availability or content of the Linked Sites. Synovus makes no representations or warranties whatsoever about any Linked Site you may access through this Site. You are solely responsible for your use of Linked Sites and any products or services you acquire on or through those Linked Sites, and for your adherence to any terms and conditions of use of those Linked Sites. WHEN YOU ACCESS A LINKED SITE, YOUR RIGHTS AND OBLIGATIONS WILL BE GOVERNED BY THE TERMS AND CONDITIONS OF THE LINKED SITE, INCLUDING ITS PRIVACY POLICY. SYNOVUS HEREBY DISCLAIMS LIABILITY FOR ANY INFORMATION, MATERIALS, PRODUCTS OR SERVICES POSTED OR OFFERED ON ANY THIRD PARTY WEBSITES AND SHALL NOT BE LIABLE FOR ANY FAILURE OF PRODUCTS OR SERVICES MADE AVAILABLE THROUGH THOSE WEBSITES.

Site Updates
Synovus may from time to time, in its sole discretion, develop and provide updates for the Site, which may include upgrades, bug fixes, patches and other error corrections and/or new features (collectively, “Updates”). Updates also may modify or delete certain features and functionality. You agree that Synovus has no obligation to provide Updates or to continue to provide or enable any particular features or functionality.

WARRANTY DISCLAIMERS; DAMAGES EXCLUSIONS AND LIMITATIONS OF LIABILITY
THIS SECTION APPLIES TO YOUR USE OF THIS SITE. YOUR USE OF ANY SYNOVUS PRODUCT OR SERVICE, EVEN IF ACCESSED THROUGH THIS SITE, IS GOVERNED BY THE SYNOVUS AGREEMENT(S) AND DISCLOSURES APPLICABLE TO THE PRODUCT OR SERVICE.

YOU ASSUME ALL RESPONSIBILITY AND RISK FOR YOUR USE OF THIS SITE, ANY LINKED SITE, AND THE INTERNET GENERALLY. SYNOVUS PROVIDES THIS SITE, AND THE MATERIALS ON THIS SITE, ON AN “AS IS”, “WHERE IS”, AND “AS AVAILABLE” BASIS. SYNOVUS MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, AS TO THE USE OR OPERATION OF THIS SITE OR THE INFORMATION, MATERIALS OR OTHER CONTENT INCLUDED ON THIS SITE OR ANY LINKED SITE. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, SYNOVUS DISCLAIMS ANY SUCH WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS OR OTHER PROPRIETARY RIGHTS, SECURITY OR FREEDOM FROM ERRORS, VIRUSES, BUGS, OR OTHER HARMFUL COMPONENTS. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, SYNOVUS WILL NOT BE LIABLE FOR SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES OR DAMAGES RESULTING FROM COMPUTER VIRUSES, LOSS OF USE, DATA OR PROFITS OR BUSINESS INTERRUPTION ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE, ANY DELAYS ON THE SITE, OR THE INABILITY TO USE THE SITE OR ANY PORTION THEREOF, OR ANY LINKED SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF SYNOVUS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Some jurisdictions do not allow the exclusion of implied warranties, so CERTAIN OF the above WARRANTY EXCLUSIONS may not apply to you.

Indemnification
You agree to indemnify and hold harmless Synovus, its Affiliates, and its or their officers, directors, employees and agents, from and against any and all damages, liabilities, losses, costs or expenses (including attorneys’ fees) arising from your violation of these Terms of Use or any applicable federal, state, local laws and regulations relating to your use of this Site.

Changes to These Terms of Use
Synovus reserves the right to revise these Terms of Use. If you use the Site after we post a revised version of these Terms of Use, your use will be governed the revised Terms of Use. You can find out whether these Terms of Use have been revised since your last visit to this Site by looking at the Effective as of date at the top of this notice.

Governing Law
These Terms of Use shall be governed by and construed under the laws of the State of Georgia, without giving effect to its conflict of laws provisions, and applicable laws of the United States.

Claims of copyright infringement
If you believe in good faith that materials available on this Site infringe your copyright, you (or your agent) may send Synovus a notice requesting us to remove the material or block access to it. If you believe in good faith that someone has wrongly filed a notice of copyright infringement against you, the Digital Millennium Copyright Act permits you to send Synovus a counter-notice. Learn more at the U.S. Copyright Office site.

Force Majeure
Synovus and its Affiliates shall not be liable for any delay or failure to perform or delivery of any product or service, or for any damages suffered by you by reason of such delay or failure, directly or indirectly caused by or arising from acts of God, acts of public enemies, riots, acts of governmental agencies, labor difficulties, failure of our suppliers, equipment or service malfunction, or any other cause or causes beyond the reasonable control of Synovus, whether or not similar to those enumerated herein.

Miscellaneous
These Terms of Use and the Synovus Internet Privacy Statement contain yours and Synovus's entire agreement regarding your use of this Site, except that your separate agreement(s) and disclosures cover any Synovus or Affiliates products or services you access through this Site. If any provision of these Terms of Use is deemed to be illegal or unenforceable, such illegality or unenforceability will not affect the validity or enforceability of any other provisions of these Terms of Use, which together will be construed as if such illegal or unenforceable provision had not been included in these Terms of Use. Nothing contained in these Terms of Use will be deemed to constitute Synovus or you as the agent or representative of the other or as joint venturers or partners. These Terms of Use will be binding upon the successors, legal representatives and permitted assigns of you and us. You must not transfer any of your rights or obligations under these Terms of Use to anyone else without our prior written consent. All of our rights and obligations under these Terms of Use are assignable by us. Our failure to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision and any such waiver is effective only if in writing and signed by us. Headings and captions are for convenience only.

How to Contact Us
If at any time you have questions about these Terms of Use, please contact us by mail to Synovus Bank at P.O. Box 120, Columbus, GA 31902.