Synovus Financial Investor Presentation — January 2021

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January 26, 20212Forward 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, a s 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," "potential" and other similar words and expressions of the future or oth erwise 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, s tatements on our expectations related to (1) loan growth; (2) net interest

income and net interest margin; (3) total adjusted revenue; (4) adjusted non- interest expense; (5) credit trends and key credit performance metrics; (6) effective tax rate; (7) capital position; (8) our future

operating and financial performance; (9) our strategy and initiatives for future growth, balance sheet management, capital ma nagement, and expense savings; (10) executive succession; and (11) our assumptions

underlying these expectations. Prospective investors are cautioned that any such forward- looking statements are not guarantees o f 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 risks and

uncertainties, including, without limitation, the risks and other factors set forth in Synovus' filings with the Securities a nd Exchange Commission, including its Annual Report on Form 10 -K for the year ended