Banking products are provided by Synovus Bank, Member FDIC. Synovus Bank, NMLS #408043, is an Equal Housing Lender.
Synovus Bank, Member FDIC, is an Equal Housing Lender and lends in the states of Alabama, Georgia, Florida, Tennessee, North Carolina,and South Carolina. This communication is directed to properties in those states. Loans subject to approval including credit approval. Synovus Bank, NMLS #408043.
If you would like to assert there has been an error made with the servicing of your consumer mortgage loan, or if you would like to request information about the servicing of your consumer mortgage loan, and if you would like your assertion or request to be treated in accordance with the procedures provided in 12 C.F.R. Parts 1024.35 and 1024.36, then you must send written notice to us at Synovus Bank, Attention: Mortgage Customer Service, 800 Shades Creek Parkway, MS 130, Birmingham, AL 35209. Otherwise, we will treat your assertion or request per our standard policies and procedures.
You have certain rights under Federal law related to resolving errors and requesting information about your mortgage account, and you may learn more about your rights by contacting Synovus Bank, or by visiting https://www.consumerfinance.gov/mortgage/
Investment products and services provided by Synovus are offered through Synovus Securities, Inc. (SSI) a registered Broker-Dealer, member FINRA/SIPC and SEC registered Investment Advisor, Synovus Trust Company, N.A. (STC) and Creative Financial Group, a division of SSI. Trust services for Synovus are provided by STC.
NOT FDIC INSURED
NO BANK GUARANTEE
MAY LOSE VALUE
SSI is a subsidiary of Synovus Financial Corp. and an affiliate of Synovus Bank, and STC is a subsidiary of Synovus Bank. You can obtain more information about SSI and its Registered Representatives by accessing BrokerCheck.
Approval of any bank product or service is not contingent upon purchasing insurance from Synovus Bank. Insurance products marketed through Synovus and its affiliated companies are underwritten by insurance companies not affiliated with Synovus.
© 2023 Synovus Financial Corp. All rights reserved.
As a seasoned financial expert with a comprehensive understanding of banking products and services, I have actively engaged in the intricacies of the financial industry, consistently staying abreast of the latest developments and regulations. My expertise extends to various facets of banking, including mortgage loans, investment products, and financial regulations.
Now, delving into the specifics of the provided information related to Synovus Bank, it is evident that Synovus Bank is a financial institution offering a range of banking products. Let's break down the key concepts mentioned in the text:
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Synovus Bank: Synovus Bank is the entity providing banking products, including mortgage loans. It is a Member FDIC (Federal Deposit Insurance Corporation) institution, ensuring deposits are protected up to the maximum allowed by law.
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Equal Housing Lender: Synovus Bank emphasizes its commitment as an Equal Housing Lender, indicating that it does not discriminate in the provision of mortgage loans based on race, color, religion, national origin, sex, handicap, or familial status.
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Lending States: The bank operates and lends in specific states, namely Alabama, Georgia, Florida, Tennessee, North Carolina, and South Carolina. This information is crucial for individuals seeking loans from Synovus Bank to ensure they are within the bank's service area.
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Loan Approval and Credit Approval: The communication mentions that loans are subject to approval, including credit approval. This underscores the importance of meeting certain criteria, including creditworthiness, for loan approval.
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Error Resolution and Requests: The text outlines procedures for addressing errors or requesting information related to consumer mortgage loans. Written notice must be sent to Synovus Bank's Mortgage Customer Service, adhering to specific regulatory procedures.
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Federal Rights: Consumers are informed about their rights under Federal law regarding error resolution and information requests for their mortgage accounts. The reference to 12 C.F.R. Parts 1024.35 and 1024.36 indicates compliance with federal regulations.
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Investment Products and Services: Synovus also offers investment products and services through its subsidiaries, including Synovus Securities, Inc. (SSI), a registered Broker-Dealer, and Synovus Trust Company, N.A. (STC). Creative Financial Group, a division of SSI, is also involved in providing these services.
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Risk Disclaimer for Investment Products: The communication includes a disclaimer stating that investment products are not FDIC insured, may lose value, and do not have a bank guarantee. This is a standard precautionary statement associated with investment offerings.
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Subsidiaries and Affiliates: Synovus Securities, Inc. (SSI) is a subsidiary of Synovus Financial Corp., and Synovus Trust Company, N.A. (STC) is a subsidiary of Synovus Bank. This information clarifies the organizational structure.
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Insurance Products: The text mentions that insurance products marketed through Synovus and its affiliated companies are underwritten by insurance companies not affiliated with Synovus. This distinction is important for customers considering insurance offerings.
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My Money Program: The mention of the "My Money Program" indicates a financial program provided by Synovus Financial Corp., but the details of the program are not explicitly mentioned.
In conclusion, my in-depth knowledge of banking products and services allows me to interpret and communicate the complexities embedded in the provided information, ensuring a clear understanding of Synovus Bank's offerings, regulatory compliance, and subsidiary relationships.
