Synovus Financial Investor Presentation — December 2021

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U.S. Financial Services

ConferenceKevin Blair

President and Chief Executive Officer

December 7, 2021©2021 Synovus. All Rights Reserved.2

Forward-Looking Statements

This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements" within the meaning of, and

subject to the protections of, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. All statements other than statements of

historical fact are forward-looking statements. You can identify these forward-looking statements through Synovus' use of words such as "believes," "anticipates," "expects," "may," "will," "assumes,"

"predicts," "could," "should," "would," "intends," "targets," "estimates," "projects," "plans," “schedule,” "potential" and other similar words and expressions of the future or otherwise regarding the

outlook for Synovus' future business and financial performance and/or the performance of the banking industry and economy in general. These forward-looking statements include, among

others, statements on our expectations related to (1) loan and deposit growth; (2) deposit costs; (3) net interest income and net interest margin; (4) total revenues; (5) non-interest expense,

including expenses related to our strategic initiatives; (6) credit trends and key credit performance metrics; (7) effective tax rate; (8) capital and deposit position; (9) our future operating and

financial performance; (10) our strategy and initiatives for future revenue growth, balance sheet management, capital management, expense savings, and technology; and (11) our assumptions

underlying these expectations. Prospective investors are cautioned that any such forward-looking statements are not guarantees of future performance and involve known and unknown risks

and uncertainties which may cause the actual results, performance or achievements of Synovus to be materially different from the future results, performance or achievements expressed or

implied by such forward-looking statements. Forward-looking statements are based on the information known to, and current beliefs and expectations of, Synovus' management and are subject

to significant risks and uncertainties. Actual results may differ materially from those contemplated by such forward-looking statements. A number of factors could cause actual results to differ

materially from those contemplated by the forward-looking statements in this presentation. Many of these factors are beyond Synovus' ability to control or predict.

These forward-looking statements are based upon information presently known to Synovus' management and are inherently subjective, uncertain and subject to change due to any number of