Synovus Financial Investor Presentation — March 2020

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Synovus Financial Corp.

Raymond James Institutional Investor Conference

Kevin Blair, President and Chief Operating Officer

March 3, 2020Forward Looking Statements

1This slide presentation contains statements that constitute “forward -looking statements” within the meaning of, and subject to t he 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 forw ard-looking statements. You can identify these forward -looking statements through

Synovus Financial Corp.’s (“Synovus”) use of words such as “believes,” “anticipates,” “expects,” “may,” “will,” “assumes,” “p redicts,” “could,” “should,” “would,” “intends,” “targets,” “estimates,” “projects,” “plans,”

“opportunity,” “outlook,” “potential” and other similar words and expressions of the future or otherwise regarding the outloo k for Synovus’ future business and financial performance and/or the performance of the

banking industry and economy in general. Prospective investors are cautioned that any such forward -looking statements are not gu arantees 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, S ynovus’ 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

December 31, 2019 under the captions “Cautionary Notice Regarding Forward -Looking Statements” and “Risk Factors” and in Synovus’ quarterly reports on Form 10 -Q and current reports on Form 8 -K. We believe

these forward -looking statements are reasonable; however, undue reliance should not be placed on any forward -looking statements, which are based on current expectations and speak only as of the date that they