SUBSIDIARIES OF SYNOVUS FINANCIAL CORP.
3/12/02
Name Ownership Percentage
Georgia Corporations
Columbus Bank and Trust Company<f1> 100%
Commercial Bank 100%
Commercial Bank & Trust Company of Troup County 100%
Security Bank and Trust Company of Albany 100%
Sumter Bank and Trust Company 100%
The Coastal Bank of Georgia 100%
First State Bank and Trust Company of Valdosta 100%
Bank of Hazlehurst 100%
The Cohutta Banking Company 100%
Bank of Coweta 100%
Citizens Bank and Trust of West Georgia 100%
First Community Bank of Tifton 100%
CB&T Bank of Middle Georgia 100%
Sea Island Bank 100%
Citizens First Bank 100%
The Citizens Bank 100%
The Citizens Bank of Cochran 100%
3
Athens First Bank & Trust Company<f2> 100%
Citizens & Merchants State Bank 100%
Bank of North Georgia 100%
Georgia Bank & Trust 100%
Charter Bank & Trust Co. 100%
Total Technology Ventures, LLC 60%
Creative Financial Group, LTD 100%
Synovus Securities, Inc. 100%
Alabama Corporations
Synovus Financial Corp. of Alabama 100%
Community Bank & Trust of Southeast Alabama 100%
First Commercial Bank of Huntsville 100%
The Bank of Tuscaloosa 100%
Sterling Bank 100%
First Commercial Bank<f3> 100%
CB&T Bank of Russell County 100%
Synovus Trust Corp. 100%
Florida Corporations
Quincy State Bank 100%
3
The Tallahassee State Bank<f4> 100%
Bank of Pensacola 100%
Vanguard Bank & Trust Company 100%
First Coast Community Bank 100%
National Banking Associations
The National Bank of Walton County (GA) 100%
Peachtree National Bank (GA) 100%
The First National Bank of Jasper (AL)<f5> 100%
The National Bank of South Carolina (SC)<f6> 100%
Mountain National Bank (GA)<f7> 100%
pointpathbank, N.A. (GA) 100%
Delaware Corporations
ProCard, Inc. 100%
lists\subsid2.snv
<FN>
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<f1> Columbus Bank and Trust Company has one majority owned subsidiary, Total
System Services, Inc., a Georgia corporation, and two wholly owned
subsidiaries, Synovus Trust Company and Synovus Insurance Services of
Georgia, Inc., all of which are Georgia corporations. Total System
Services, Inc. has four wholly owned subsidiaries, Columbus Depot Equipment
Company, TSYS Canada, Inc., TSYS Total Debt Management, Inc. and Columbus
Productions, Inc., all of which are Georgia corporations. TSYS also holds a
50% interest in Vital Processing Services, LLC, a Delaware company, a
51.46% interest in GP Network Corporation, a Japanese corporation, and a
49% interest in Total System Services de Mexico, a Mexican corporation.
Synovus Trust Company has one wholly owned subsidiary, Synovus Trust
Company, a Florida corporation.
<f2> Athens First Bank & Trust Company has one wholly owned subsidiary, Athena
Service Corporation, a Georgia corporation.
<f3> First Commercial Bank of Birmingham has four wholly owned subsidiaries,
First Commercial Mortgage Corporation, First Commercial Credit Corporation,
Synovus Mortgage Corp. and First Holdings, Inc., all of which are Alabama
corporations. First Holdings, Inc. has two direct and indirect wholly-owned
subsidiaries, FCBDE Holdings, Inc., a Delaware corporation, and FCBIM
Corp., a Georgia corporation.
<f4> Tallahassee State Bank has one wholly owned subsidiary, Synovus Insurance
Services of Florida, Inc., a Florida corporation.
<f5> First National Bank of Jasper has two wholly owned subsidiaries, Synovus
Insurance Services of Alabama, Inc. and FNBJ Holdings, Inc., both of which
are Alabama corporations. FNBJ Holdings, Inc. has two direct and indirect
wholly owned subsidiaries, FNBJDE Holdings, Inc., a Delaware corporation,
and FNBJIM Corp., a Georgia corporation.
<f6> National Bank of South Carolina has two wholly owned subsidiaries, Synovus
Insurance Services of South Carolina, Inc., a South Carolina corporation,
and NBSC Holdings, Inc., a Delaware Corporation. NBSC Holdings, Inc. has
one wholly owned subsidiary, NBSCIM Corp., a Georgia corporation. (7)
Mountain National Bank has one wholly owned subsidiary, Merit Leasing
Corporation, a Georgia corporation.
</FN>