Synovus Financial Investor Presentation — March 2021

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2021 Raymond James Institutional

Investors Conference

President and COOForward Looking Statements

2This slide presentation and certain other Synovus Financial Corp.’s filings with the Securities and Exchange Commission conta in 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. Al l 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," "pre dicts," "could," "should," "would," "intends," "targets," "estimates," "projects," "plans," "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) net interest income and net interest margin; (3) non- interest revenue; (4) 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 initiative s for future growth, balance sheet management, capital management, 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 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, performa nceor 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 risk s 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 s tatements 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,