SNV / Synovus Financial Corp. - SEC-arkivering, Årsberetning, Fuldmagtserklæring

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. Commission File Number: 001-10312 Synovus Financial Corp. (Exact name of Issuer as specified in its

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. Commission File Numbers: 333-266462 and 333-212916 Synovus Financial Corp. (Exact name of Issuer as

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. Commission File Numbers: 333-266462 and 333-212916 Synovus Financial Corp. (Exact name of Issuer as

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

PINNACLE AND SYNOVUS COMPLETE MERGER TO BECOME REGIONAL BANK GROWTH CHAMPION $117.2 billion bank to deliver accelerated growth through proven hiring and client service models; clients to be served through Pinnacle and Synovus brands through conversio

Exhibit 99.1 FOR IMMEDIATE RELEASE Contacts: Joe Bass (615) 743-8219 [email protected] Tiffany Capuano (678) 784-7111 [email protected] PINNACLE AND SYNOVUS COMPLETE MERGER TO BECOME REGIONAL BANK GROWTH CHAMPION $117.2 billion bank to deliver accelerated growth through proven hiring and client service models; clients to be served through Pinnacle and Synovus brands through conversion AT

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

CERTIFICATE OF AMENDMENT AND RESTATEMENT STEEL NEWCO INC.

Exhibit 3.1 CERTIFICATE OF AMENDMENT AND RESTATEMENT OF STEEL NEWCO INC. Pursuant to Section 14-2-1007 of the Georgia Business Corporation Code (the “GBCC”), Steel Newco Inc., a Georgia corporation (the “Corporation”), certifies as follows: 1. The current name of the Corporation is “Steel Newco Inc.” The Corporation hereby amends its name to “Pinnacle Financial Partners, Inc.” 2. The foregoing ame

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 2, 2026 (January 1, 2026) SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 001-10312 58-1134883 (State or other jurisdiction of incorpora

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

BYLAWS PINNACLE FINANCIAL PARTNERS, INC. ARTICLE I.

Exhibit 3.2 As Restated Effective January 1, 2026 BYLAWS OF PINNACLE FINANCIAL PARTNERS, INC. ARTICLE I. OFFICES Section 1. Principal Office. The principal office for the transaction of the business of the corporation shall be located in Cobb County, Georgia, at such place within said County as may be fixed from time to time by the Board of Directors. Section 2. Other Offices. Branch offices and p

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

As filed with the Securities and Exchange Commission on January 2, 2026

As filed with the Securities and Exchange Commission on January 2, 2026 Registration Nos.

EXHIBIT 4.1 -1- GLOBAL SUBORDINATED NOTE SYNOVUS BANK 5.957% Fixed-to-Fixed Rate Subordinated Bank Note due 2036 THIS OBLIGATION IS NOT A DEPOSIT AND IS NOT INSURED BY OR GUARANTEED BY THE UNITED STATES OR ANY AGENCY OR INSTRUMENTALITY OF THE UNITED

exhibit41formofnote EXHIBIT 4.1 -1- GLOBAL SUBORDINATED NOTE SYNOVUS BANK 5.957% Fixed-to-Fixed Rate Subordinated Bank Note due 2036 THIS OBLIGATION IS NOT A DEPOSIT AND IS NOT INSURED BY OR GUARANTEED BY THE UNITED STATES OR ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES, INCLUDING THE FEDERAL DEPOSIT INSURANCE CORPORATION (THE “FDIC”). THIS NOTE IS A DIRECT, UNCONDITIONAL, UNSECURED AND SUBO

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 December 9, 2025 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 December 9, 2025 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificat

Goldman Sachs 2025 Financial Services Conference December 9, 2025 Exhibit 99.1 2 This communication contains statements that constitute “forward-looking statements” within the meaning of, and subject to the protections of, Section 27A of the Securiti

a2025goldmansachsfsconfe Goldman Sachs 2025 Financial Services Conference December 9, 2025 Exhibit 99.

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 December 8, 2025 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 December 8, 2025 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificat

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 December 1, 2025 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 December 1, 2025 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 001-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identific

Exhibit 99.1 FOR IMMEDIATE RELEASE PINNACLE AND SYNOVUS NAME BOARD OF DIRECTORS FOR COMBINED COMPANY Eight from Pinnacle and seven from Synovus with six independent directors each NASHVILLE, TN AND COLUMBUS, GA, Dec. 1, 2025 – Pinnacle Financial Part

pinnacleandsynovusnamebo Exhibit 99.1 FOR IMMEDIATE RELEASE PINNACLE AND SYNOVUS NAME BOARD OF DIRECTORS FOR COMBINED COMPANY Eight from Pinnacle and seven from Synovus with six independent directors each NASHVILLE, TN AND COLUMBUS, GA, Dec. 1, 2025 – Pinnacle Financial Partners (Nasdaq/NGS: PNFP) and Synovus Financial Corp. (NYSE: SNV) today announced the anticipated membership of the board of di

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 December 1, 2025 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 December 1, 2025 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificat

1 4Q25 Fixed Income Investor Presentation December 2025 Chief Financial Officer, Jamie Gregory Corporate Treasurer, Dake Madray Chief Credit Officer, Anne Fortner Exhibit 99.1 This slide presentation contains statements that constitute "forward-looki

steel-proformafinancials 1 4Q25 Fixed Income Investor Presentation December 2025 Chief Financial Officer, Jamie Gregory Corporate Treasurer, Dake Madray Chief Credit Officer, Anne Fortner Exhibit 99.

UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION

Exhibit 99.2 UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION The following unaudited pro forma condensed combined financial information and notes thereto have been prepared in accordance with Article 11 of Regulation S-X in order to give effect to the merger and the related transaction accounting adjustments (pro forma adjustments) described in the accompanying notes. On July 24, 2025

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 26, 2025 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 26, 2025 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identifica

Pinnacle Financial Partners + Synovus Financial Corp. Merger Update, November 2025 Exhibit 99.1 Forward-Looking Statements This communication contains statements that constitute “forward-looking statements” within the meaning of, and subject to the p

exhibit991 Pinnacle Financial Partners + Synovus Financial Corp. Merger Update, November 2025 Exhibit 99.1 Forward-Looking Statements This communication contains 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. A

Exhibit 99.2 FOR IMMEDIATE RELEASE PINNACLE AND SYNOVUS RECEIVE FEDERAL BANK REGULATORY APPROVAL TO COMBINE Merger close anticipated for Jan. 1, 2026 NASHVILLE, TN AND COLUMBUS, GA, Nov. 25, 2025 – The proposed combination of Pinnacle Financial Partn

exhibit992-pressrelease Exhibit 99.2 FOR IMMEDIATE RELEASE PINNACLE AND SYNOVUS RECEIVE FEDERAL BANK REGULATORY APPROVAL TO COMBINE Merger close anticipated for Jan. 1, 2026 NASHVILLE, TN AND COLUMBUS, GA, Nov. 25, 2025 – The proposed combination of Pinnacle Financial Partners (Nasdaq/NGS: PNFP) and Synovus Financial Corp. (NYSE: SNV) has received regulatory approval from the Board of Governors of

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 6, 2025 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 6, 2025 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 001-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identific

Pinnacle Financial Partners + Synovus Financial Corp. Merger Update, November 2025 Exhibit 99.2 Forward-Looking Statements This communication contains statements that constitute “forward-looking statements” within the meaning of, and subject to the p

exhibit992 Pinnacle Financial Partners + Synovus Financial Corp. Merger Update, November 2025 Exhibit 99.2 Forward-Looking Statements This communication contains 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. A

Exhibit 99.1 FOR IMMEDIATE RELEASE PINNACLE AND SYNOVUS SHAREHOLDERS VOTE IN FAVOR OF COMBINING FIRMS NASHVILLE, TN AND COLUMBUS, GA, Nov. 6, 2025 – At separate meetings held today, shareholders of Pinnacle Financial Partners (Nasdaq/NGS: PNFP) and S

exhibit991 Exhibit 99.1 FOR IMMEDIATE RELEASE PINNACLE AND SYNOVUS SHAREHOLDERS VOTE IN FAVOR OF COMBINING FIRMS NASHVILLE, TN AND COLUMBUS, GA, Nov. 6, 2025 – At separate meetings held today, shareholders of Pinnacle Financial Partners (Nasdaq/NGS: PNFP) and Synovus Financial Corp. (NYSE: SNV) approved the proposed merger of the two firms. At the Synovus special meeting, preliminary results showe

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2025 Commission file number 1-103

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2025 Commission file number 1-10312 SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 58-1134883 (State or other jurisdiction of incorporation or

-2-

Filed by Synovus Financial Corp. pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-6 under the Securities Exchange Act of 1934 Subject Company: Steel Newco Inc. Commission File No.: 333-289866 Date: October 30, 2025 [The following is a screenshot of a social media post that was posted by Kevin Blair, the Chairman, Chief Executive Officer and President of S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 October 28, 2025 Date of Report (Date of earliest event reported) SYNOVUS FINANCIAL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 October 28, 2025 Date of Report (Date of earliest event reported) SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 001-10312 58-1134883 (State or other jurisdiction of incorporation) (Commission

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 October 28, 2025 Date of Report (Date of earliest event reported) SYNOVUS FINANCIAL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 October 28, 2025 Date of Report (Date of earliest event reported) SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 001-10312 58-1134883 (State or other jurisdiction of incorporation) (Commission

You can vote your shares online or by phone—it’s simple and quick. Please follow the easy instructions on the enclosed proxy card or voting instruction form. If you have any questions, or need assistance in voting your shares, please call our proxy s

Filed by Synovus Financial Corp. pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-6 under the Securities Exchange Act of 1934 Subject Company: Steel Newco Inc. Commission File No.: 333-289866 Date: October 17, 2025 [The following letter was mailed to certain shareholders of Synovus Financial Corp.] October 17, 2025 Dear Fellow Shareholder: According to ou

PINNACLE AND SYNOVUS NAME BANKING LEADERS FOR LOCAL MARKETS, BANKING SPECIALTIES Seasoned group fills out Chief Banking Officer Rob McCabe’s leadership team

Filed by Synovus Financial Corp. pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Steel Newco Inc. Commission File No.: 333-289866 Date: October 16, 2025 [The following announcement was made available by Synovus Financial Corp. on October 16, 2025.] FOR IMMEDIATE RELEASE PINNACLE AND SYNOVUS NA

Synovus FQ3 2025 Earnings Call Transcripts October 16, 2025 8:30am ET

Filed by Synovus Financial Corp. pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Synovus Financial Corp. Commission File No.: 001-10312 Date: October 16, 2025 [The following transcript of the third quarter 2025 earnings call of Synovus Financial Corp. (“Synovus”) was made available by Synovus

YOUR VOTE IS IMPORTANT—PLEASE VOTE TODAY! If you have any questions, or need assistance in voting your shares, please call our proxy solicitor: INNISFREE M&A INCORPORATED 1 (877) 456-3524 (toll-free from the U.S. and Canada) or +1 (412) 232-3651 (fro

Filed by Synovus Financial Corp. pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-6 under the Securities Exchange Act of 1934 Subject Company: Steel Newco Inc. Commission File No.: 333-289866 Date: October 16, 2025 [The following letter was mailed to certain shareholders of Synovus Financial Corp.] October 10, 2025 Dear Fellow Shareholder: We previously s

Earnings Results Third Quarter 2025 Exhibit 99.2 2 This communication contains 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, an

snv09302025xex992filing Earnings Results Third Quarter 2025 Exhibit 99.2 2 This communication contains 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. All statements other than statements of historical fact are

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 October 15, 2025 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 October 15, 2025 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificat

Media Contact Investor Contact Audria Belton Jennifer H. Demba, CFA Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for third quarter 2025 Diluted earnings per share of $1.33 versus $1.18

Exhibit 99.1 Media Contact Investor Contact Audria Belton Jennifer H. Demba, CFA Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for third quarter 2025 Diluted earnings per share of $1.33 versus $1.18 in 3Q24 Adjusted diluted earnings per share of $1.46 versus $1.23 in 3Q24 COLUMBUS, Ga., Oct. 15, 2025 - Synovus Financial Corp. (NYSE: S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934               Filed by the Registrant ☒     Filed by a Party other than the Registrant  ☐                     Check the appropriate box:  ☐ Preliminary Proxy Statement  ☐ Confidential, for Use of the Commission Only

Filed by Synovus Financial Corp.

Filed by Synovus Financial Corp. pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Steel Newco Inc. Commission File No.: 333-289866 Date: September 10, 2025 [The following is an excerpt of the transcript of a joint video recording of the chief executive officers of Synovus Financial Corp. (“Syno

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 August 27, 2025 Date of Report (Date of earliest event reported) SYNOVUS FINANCIAL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 August 27, 2025 Date of Report (Date of earliest event reported) SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 001-10312 58-1134883 (State or other jurisdiction of incorporation) (Commission F

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 August 27, 2025 Date of Report (Date of earliest event reported) SYNOVUS FINANCIAL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 August 27, 2025 Date of Report (Date of earliest event reported) SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 001-10312 58-1134883 (State or other jurisdiction of incorporation) (Commission F

Building The Southeast Growth Champion August 2025 Forward-Looking Statements Forward-Looking Statements This communication contains statements that constitute “forward-looking statements” within the meaning of, and subject to the protections of, Sec

Exhibit 99.1 Building The Southeast Growth Champion August 2025 Forward-Looking Statements Forward-Looking Statements This communication contains 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. All statements ot

Building The Southeast Growth Champion August 2025 Forward-Looking Statements Forward-Looking Statements This communication contains statements that constitute “forward-looking statements” within the meaning of, and subject to the protections of, Sec

Exhibit 99.1 Building The Southeast Growth Champion August 2025 Forward-Looking Statements Forward-Looking Statements This communication contains 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. All statements ot

144

144 0001906875 XXXXXXXX LIVE 0000018349 SYNOVUS FINANCIAL CORP 001-10312 33 W 14TH STREET COLUMBUS GA 31901 7066416500 Dierdorff Thomas T Officer Common Fidelity Brokerage Services LLC 900 Salem Street Smithfield RI 02917 6200 313286.

PINNACLE FINANCIAL PARTNERS AND SYNOVUS ANNOUNCE EXECUTIVE LEADERSHIP TEAM FOR COMBINED COMPANY

Filed by Synovus Financial Corp. pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Synovus Financial Corp. and Pinnacle Financial Partners, Inc. Commission File No.: 001-10312 Date: August 21, 2025 [The following joint press release was issued by Synovus Financial Corp. and Pinnacle Financial Pa

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2025 Commission file number 1-10312 SY

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2025 Commission file number 1-10312 SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 58-1134883 (State or other jurisdiction of incorporation or organ

-2-

Filed by Synovus Financial Corp. pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Companies: Synovus Financial Corp. Commission File No.: 001-10312 Pinnacle Financial Partners, Inc. Commission File No.: 000-31225 Date: July 31, 2025 [The following joint video recording of the Pinnacle and Synovus chief

Filed by Synovus Financial Corp.

Filed by Synovus Financial Corp. pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Companies: Synovus Financial Corp. Commission File No.: 001-10312 Pinnacle Financial Partners, Inc. Commission File No.: 000-31225 Date: July 25, 2025 [The following is a transcript of a town hall for employees of Synovus

AGREEMENT AND PLAN OF MERGER by and among SYNOVUS FINANCIAL CORP., PINNACLE FINANCIAL PARTNERS, INC. STEEL NEWCO INC. Dated as of July 24, 2025 TABLE OF CONTENTS

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER by and among SYNOVUS FINANCIAL CORP., PINNACLE FINANCIAL PARTNERS, INC. and STEEL NEWCO INC. Dated as of July 24, 2025 TABLE OF CONTENTS ARTICLE I GOVERNANCE OF NEWCO 1 1.1 Governance of Newco 1 ARTICLE II THE MERGER 2 2.1 Merger 2 2.2 Time and Place of Closing 2 2.3 Effective Time 2 2.4 Conversion of Common Stock 3 2.5 Cancellation of Newco Common Stock 4

This is an exciting and transformative event in the 137-year history of Synovus. Overview We are combining with Pinnacle Financial Partners to create a leading mid-sized financial institution. With $115B in assets, the combined company will become a S

Filed by Synovus Financial Corp. pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Companies: Synovus Financial Corp. Commission File No.: 001-10312 Pinnacle Financial Partners, Inc. Commission File No.: 000-31225 Date: July 25, 2025 [The following key messaging points regarding the proposed transaction

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 July 25, 2025 (July 24, 2025) Date of Report (Date of earliest event reported) SYNO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 July 25, 2025 (July 24, 2025) Date of Report (Date of earliest event reported) SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 001-10312 58-1134883 (State or other jurisdiction of incorporation)

Pinnacle Financial Partners and Synovus Announce Merger

Filed by Synovus Financial Corp. pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Companies: Synovus Financial Corp. Commission File No.: 001-10312 Pinnacle Financial Partners, Inc. Commission File No.: 000-31225 Date: July 25, 2025 [The following FAQs were made available to employees of Synovus Financi

Employment Agreement dated as of July 24, 2025 by and among Synovus, Synovus Bank, and Kevin Blair, incorporated by reference to Exhibit 10.1 of Synovus’ Current Report on Form 8-K dated July 25, 2025, as filed with the SEC on July 25, 2025.

Exhibit 10.1 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this “Agreement”) is entered into as of July 24, 2025 by and among Synovus Financial Corporation, a Georgia Corporation (“Synovus”), Synovus Bank, a Georgia state-chartered bank and wholly owned subsidiary of Synovus, and Kevin Blair (the “Executive”). WHEREAS, Steel Newco Inc., a Georgia Corporation (the “Company”), is a newly formed su

Agreement and Plan of Merger dated as of July 24, 2025 by and among Synovus, Pinnacle Financial Partners, Inc., and Steel Newco Inc., incorporated by reference to Exhibit 2.1 of Synovus’ Current Report on Form 8-K dated July 25, 2025, as filed with the SEC on July 25, 2025.

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER by and among SYNOVUS FINANCIAL CORP., PINNACLE FINANCIAL PARTNERS, INC. and STEEL NEWCO INC. Dated as of July 24, 2025 TABLE OF CONTENTS ARTICLE I GOVERNANCE OF NEWCO 1 1.1 Governance of Newco 1 ARTICLE II THE MERGER 2 2.1 Merger 2 2.2 Time and Place of Closing 2 2.3 Effective Time 2 2.4 Conversion of Common Stock 3 2.5 Cancellation of Newco Common Stock 4

Employment Agreement dated as of July 24, 2025 by and among Synovus, Synovus Bank, and Andrew J. Gregory, Jr., incorporated by reference to Exhibit 10.2 of Synovus’ Current Report on Form 8-K dated July 25, 2025, as filed with the SEC on July 25, 2025.

Exhibit 10.2 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this “Agreement”) is entered into as of July 24, 2025 by and among Synovus Financial Corporation, a Georgia Corporation (“Synovus”), Synovus Bank, a Georgia state-chartered bank and wholly owned subsidiary of Synovus, and Jamie Gregory (the “Executive”). WHEREAS, Steel Newco Inc., a Georgia Corporation (the “Company”), is a newly formed

Pinnacle-Synovus Merger Conference Call July 24, 2025 5:30pm ET

Filed by Synovus Financial Corp. pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Companies: Synovus Financial Corp. Commission File No.: 001-10312 Pinnacle Financial Partners, Inc. Commission File No.: 000-31225 Date: July 25, 2025 The following transcript of the joint conference call by Pinnacle Finan

-2-

Filed by Synovus Financial Corp. pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Companies: Synovus Financial Corp. Commission File No.: 001-10312 Pinnacle Financial Partners, Inc. Commission File No.: 000-31225 Date: July 25, 2025 [The following are screenshots of social media posts that were posted b

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 July 25, 2025 (July 24, 2025) Date of Report (Date of earliest event reported) SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 001-10312 58-1134883 (State or other jurisdiction of incorporation)

EMPLOYMENT AGREEMENT

Exhibit 10.2 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this “Agreement”) is entered into as of July 24, 2025 by and among Synovus Financial Corporation, a Georgia Corporation (“Synovus”), Synovus Bank, a Georgia state-chartered bank and wholly owned subsidiary of Synovus, and Jamie Gregory (the “Executive”). WHEREAS, Steel Newco Inc., a Georgia Corporation (the “Company”), is a newly formed

“Over the last 25 years, we have attracted extraordinary talent to a bank that closely partners with its clients, developing ‘raving fans’ and delivering industry-leading growth. We are pleased to join forces with Synovus in a combination that priori

Filed by Synovus Financial Corp. pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Companies: Synovus Financial Corp. Commission File No.: 001-10312 Pinnacle Financial Partners, Inc. Commission File No.: 000-31225 Date: July 24, 2025 [The following is a transaction fact sheet prepared by Synovus Financia

EMPLOYMENT AGREEMENT

Exhibit 10.1 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this “Agreement”) is entered into as of July 24, 2025 by and among Synovus Financial Corporation, a Georgia Corporation (“Synovus”), Synovus Bank, a Georgia state-chartered bank and wholly owned subsidiary of Synovus, and Kevin Blair (the “Executive”). WHEREAS, Steel Newco Inc., a Georgia Corporation (the “Company”), is a newly formed su

FDIC-Insured - Backed by the full faith and credit of the U.S. Government Creating the Southeast Growth Champion Synovus is entering into a merger with Pinnacle Financial Partners to be an even stronger partner-of-choice for clients, further increase

Filed by Synovus Financial Corp. pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Companies: Synovus Financial Corp. Commission File No.: 001-10312 Pinnacle Financial Partners, Inc. Commission File No.: 000-31225 Date: July 25, 2025 [The following is a screenshot of the landing page of the website of Sy

Pinnacle and Synovus to Combine: Building The Southeast Growth Champion July 24, 2025 Forward-Looking Statements Forward-Looking Statements This communication contains statements that constitute “forward-looking statements” within the meaning of, and

Exhibit 99.2 Pinnacle and Synovus to Combine: Building The Southeast Growth Champion July 24, 2025 Forward-Looking Statements Forward-Looking Statements This communication contains 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

Pinnacle and Synovus to Combine: Building The Southeast Growth Champion July 24, 2025 Forward-Looking Statements Forward-Looking Statements This communication contains statements that constitute “forward-looking statements” within the meaning of, and

Exhibit 99.2 Pinnacle and Synovus to Combine: Building The Southeast Growth Champion July 24, 2025 Forward-Looking Statements Forward-Looking Statements This communication contains 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

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 July 24, 2025 Date of Report (Date of earliest event reported) SYNOVUS FINANCIAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 July 24, 2025 Date of Report (Date of earliest event reported) SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 001-10312 58-1134883 (State or other jurisdiction of incorporation) (Commission Fil

Pinnacle Financial Partners and Synovus to Combine to Create the Southeast Growth Champion Builds Fastest-Growing, Highest-Return Regional Bank Positioned to Remain Employer of Choice, with Industry-Leading Customer Service and Deep Roots in Local Co

Exhibit 99.1 Pinnacle Financial Partners and Synovus to Combine to Create the Southeast Growth Champion Builds Fastest-Growing, Highest-Return Regional Bank Positioned to Remain Employer of Choice, with Industry-Leading Customer Service and Deep Roots in Local Communities Complete Alignment on Strategy, Leadership, Brand and Operating Model to Continue Long Track Record of Profitable Growth Compel

Pinnacle Financial Partners and Synovus to Combine to Create the Southeast Growth Champion Builds Fastest-Growing, Highest-Return Regional Bank Positioned to Remain Employer of Choice, with Industry-Leading Customer Service and Deep Roots in Local Co

Exhibit 99.1 Pinnacle Financial Partners and Synovus to Combine to Create the Southeast Growth Champion Builds Fastest-Growing, Highest-Return Regional Bank Positioned to Remain Employer of Choice, with Industry-Leading Customer Service and Deep Roots in Local Communities Complete Alignment on Strategy, Leadership, Brand and Operating Model to Continue Long Track Record of Profitable Growth Compel

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 July 24, 2025 Date of Report (Date of earliest event reported) SYNOVUS FINANCIAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 July 24, 2025 Date of Report (Date of earliest event reported) SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 001-10312 58-1134883 (State or other jurisdiction of incorporation) (Commission Fil

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 July 16, 2025 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Nam

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 July 16, 2025 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identification

Media Contact Investor Contact Audria Belton Jennifer H. Demba, CFA Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for second quarter 2025 Diluted earnings (loss) per share of $1.48 versu

Exhibit 99.1 Media Contact Investor Contact Audria Belton Jennifer H. Demba, CFA Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for second quarter 2025 Diluted earnings (loss) per share of $1.48 versus $(0.16) in 2Q24 Adjusted diluted earnings per share of $1.48 versus $1.16 in 2Q24 COLUMBUS, Ga., July 16, 2025 - Synovus Financial Corp

Earnings Results Second Quarter 2025 Exhibit 99.2 2 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 subjec

Earnings Results Second Quarter 2025 Exhibit 99.2 2 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, as amended. Al

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2025 Commission file number 1-10312 S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2025 Commission file number 1-10312 SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 58-1134883 (State or other jurisdiction of incorporation or orga

Submission of Matters to a Vote of Security Holders

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 April 24, 2025 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificatio

Earnings Results First Quarter 2025 Exhibit 99.2 2 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

Earnings Results First Quarter 2025 Exhibit 99.2 2 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, as amended. All

Media Contact Investor Contact Audria Belton Jennifer H. Demba, CFA Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for first quarter 2025 Diluted earnings per share of $1.30 versus $0.78

Exhibit 99.1 Media Contact Investor Contact Audria Belton Jennifer H. Demba, CFA Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for first quarter 2025 Diluted earnings per share of $1.30 versus $0.78 in 1Q24 Adjusted diluted earnings per share of $1.30 versus $0.79 in 1Q24 COLUMBUS, Ga., April 16, 2025 - Synovus Financial Corp. (NYSE:

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 April 16, 2025 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificatio

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant þ Filed by a party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A/A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A/A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant þ Filed by a party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the C

ANNUAL REPORT 2024 1 and trending in more normalized levels. We built our capital ratios to their highest level in over a decade, underscoring our financial resilience and stability. We are pleased with the ongoing progress in fortifying and optimizi

ANNUAL REPORT 2024 1 and trending in more normalized levels. We built our capital ratios to their highest level in over a decade, underscoring our financial resilience and stability. We are pleased with the ongoing progress in fortifying and optimizing our balance sheet, which provides a strong foundation as we transition toward a more constructive growth environment in 2025. Also, we successfully

Synovus Financial Corp. Insider Trading Policy.

Exhibit 19 As approved on December 13, 2024 Synovus Financial Corp. Insider Trading Policy Purpose The Board of Directors of Synovus Financial Corp. (the “Company”) has adopted this policy statement (the “Policy”) both to satisfy the Company's obligation to prevent insider trading by all Company personnel, top to bottom, and to help Company personnel avoid the severe consequences associated with v

Form of Revised Cash-Settled Restricted Stock Unit Agreement for cash-settled restricted stock awards under the Synovus Financial Corp. 2021 Omnibus Plan.*

Exhibit 10.33 REVISED CASH-SETTLED RESTRICTED STOCK UNIT AGREEMENT THIS CASH-SETTLED RESTRICTED STOCK UNIT AGREEMENT (“Agreement”) is made effective as of the grant date set forth below by and between SYNOVUS FINANCIAL CORP., a Georgia corporation (the “Corporation”), and (“Executive”). WHEREAS, Executive has been awarded Restricted Stock Units (“RSUs”) under the Corporation’s 2021 Omnibus Plan (“

Subsidiaries of Synovus Financial Corp.

Exhibit 21.1 SUBSIDIARIES OF SYNOVUS FINANCIAL CORP. Ownership Percentage Name Place of Incorporation 100% Synovus Bank Georgia 100% Synovus Trust Company, National Association National 50% Sterling Place, L.L.C. Alabama 40% Orchid, LLC Alabama 100% The Summerton Inn, Inc. South Carolina 100% Global Financial Distributors, Inc. Georgia 49.99% Azalea Park Partners, LP Maryland 100% CB&T Special Lim

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2024 Commission file number 1-10312 SYNOVU

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2024 Commission file number 1-10312 SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 58-1134883 (State or other jurisdiction of incorporation or organizat

Form of Revised Restricted Stock Unit Agreement for restricted stock awards under the Synovus Financial Corp. 2021 Omnibus Plan.*

Exhibit 10.32 REVISED RESTRICTED STOCK UNIT AGREEMENT THIS RESTRICTED STOCK UNIT AGREEMENT (“Agreement”) is made effective as of the grant date set forth below by and between SYNOVUS FINANCIAL CORP., a Georgia corporation (the “Corporation”), and [Participant Name] (“Executive”). WHEREAS, Executive has been awarded Restricted Stock Units (“RSUs”) under the Corporation’s 2021 Omnibus Plan (“Plan”).

EX-99

Exhibit 99 Pursuant to the instructions in Item 7 of Schedule 13G, the following table lists the identity and Item 3 classification, if applicable, of each relevant entity that beneficially owns shares of the security class being reported on this Schedule 13G.

JOINT FILING AGREEMENT

JOINT FILING AGREEMENT The undersigned hereby agree that this Schedule 13G (the “Schedule 13G”) with respect to the common stock of Synovus Financial Corp.

Synovus INCOME STATEMENT DATA (Unaudited) (Dollars in thousands, except per share data) 2024 2023 Fourth Quarter Fourth Quarter Third Quarter Second Quarter First Quarter Fourth Quarter '24 vs '23 % Change Interest income $ 799,130 810,507 801,242 78

Synovus Exhibit 99.2 INCOME STATEMENT DATA (Unaudited) Years Ended (Dollars in thousands, except per share data) December 31, 2024 2023 % Change Interest income $ 3,193,589 $ 3,050,358 5 % Interest expense 1,444,012 1,233,703 17 Net interest income 1,749,577 1,816,655 (4) Provision for (reversal of) credit losses 136,685 189,079 (28) Net interest income after provision for credit losses 1,612,892

1 Earnings Results Fourth Quarter 2024 Exhibit 99.3 2 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 subj

1 Earnings Results Fourth Quarter 2024 Exhibit 99.3 2 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, as amended.

Media Contact Investor Contact Audria Belton Jennifer H. Demba, CFA Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for the fourth quarter 2024 Diluted earnings per share of $1.25 vs. $0.4

Exhibit 99.1 Media Contact Investor Contact Audria Belton Jennifer H. Demba, CFA Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for the fourth quarter 2024 Diluted earnings per share of $1.25 vs. $0.41 in 4Q23 Adjusted diluted earnings per share of $1.25 vs. $0.80 in 4Q23 COLUMBUS, Ga., Jan. 15, 2025 - Synovus Financial Corp. (NYSE: SN

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 January 15, 2025 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificat

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 December 18, 2024 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identifica

Exhibit 99.1 Media Contact Audria Belton Media Relations [email protected] Synovus announces election of Greg Montana to its board of directors COLUMBUS, Ga., Dec. 18, 2024 — Synovus Financial Corp. (NYSE: SNV) has appointed Greg Montana, former exec

Exhibit 99.1 Media Contact Audria Belton Media Relations [email protected] Synovus announces election of Greg Montana to its board of directors COLUMBUS, Ga., Dec. 18, 2024 — Synovus Financial Corp. (NYSE: SNV) has appointed Greg Montana, former executive vice president and chief risk officer of Fidelity National Information Services Inc., to its board of directors, effective Jan. 1, 2025. He will

Regulation FD Disclosure, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 December 10, 2024 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identifica

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 21 22 23

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 21 22 23

JOINT FILING AGREEMENT

EX-99 2 Rule13DJointFilingAgreement.htm JOINT FILING AGREEMENT JOINT FILING AGREEMENT The undersigned hereby agree that this Schedule 13G (the “Schedule 13G”) with respect to the common stock of Synovus Financial Corp. is, and any additional amendment thereto signed by each of the undersigned shall be, filed on behalf of each undersigned pursuant to and in accordance with the provisions of 13d-1(k

SNV / Synovus Financial Corp. / WELLINGTON MANAGEMENT GROUP LLP - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 5 )* Synovus Financial Corp. (Name of Issuer) Common Stock (Title of Class of Securities) 87161C501 (CUSIP Number) September 30, 2024 (Date of Event Which Requires Filing of this Statement) Check the appropriate b

Regulation FD Disclosure, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 6, 2024 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificat

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41

Amendment No. 1 to the Synovus Financial Corp. 2021 Director Stock Purchase Plan.

Exhibit 10.1 AMENDMENT NO. 1 TO SYNOVUS FINANCIAL CORP. 2021 DIRECTOR STOCK PURCHASE PLAN THIS AMENDMENT NO. 1 TO SYNOVUS FINANCIAL CORP. 2011 DIRECTOR STOCK PURCHASE PLAN (this “Amendment”) is entered into as of August 30, 2024. Capitalized terms used in this Amendment and not otherwise defined shall have the meaning given to such terms in the Synovus Financial Corp. 2021 Director Stock Purchase

Specimen stock certificate for Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series D.

Exhibit 4.2 Number *0* Shares *0* SYNOVUS FINANCIAL CORP. INCORPORATED UNDER THE LAWS OF THE STATE OF GEORGIA SERIES D PREFERRED STOCK, NO PAR VALUE CUSIP: 87161C 600 SEE REVERSE FOR IMPORTANT NOTICE AND OTHER INFORMATION THIS CERTIFIES THAT **Specimen** IS THE OWNER OF **Zero (0)** FULLY PAID AND NONASSESSABLE SHARES OF FIXED-TO-FLOATING RATE NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES D, LI

pecimen physical stock certificate of Synovus, incorporated by reference to Exhibit 4.1 to Synovus' Quarterly Report on Form 10-Q for the period ended September 30, 2024, as filed with SEC on November 4, 2024.

Exhibit 4.1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2024 Commission file number 1-103

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2024 Commission file number 1-10312 SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 58-1134883 (State or other jurisdiction of incorporation or

Form of Note.

Exhibit 4.2 THIS NOTE IS A REGISTERED GLOBAL SECURITY WHICH IS HELD BY THE DEPOSITARY (AS DEFINED IN THE INDENTURE GOVERNING THIS NOTE) OR ITS NOMINEE IN CUSTODY FOR THE BENEFIT OF THE BENEFICIAL OWNERS HEREOF, AND IS NOT TRANSFERABLE TO ANY PERSON UNDER ANY CIRCUMSTANCES EXCEPT IN THE LIMITED CIRCUMSTANCES PROVIDED BY THE INDENTURE. UNLESS AND UNTIL IT IS EXCHANGED IN WHOLE OR IN PART FOR SECURIT

Inc. and Morgan Stanley & Co. LLC, as representatives of the several underwriters named therein, pertaining to the Offering.

Exhibit 1.1 EXECUTION VERSION SYNOVUS FINANCIAL CORP. $500,000,000 6.168% Fixed Rate / Floating Rate Senior Notes due 2030 Underwriting Agreement October 29, 2024 BofA Securities, Inc. Morgan Stanley & Co. LLC As Representatives of the several Underwriters listed in Schedule I hereto c/o BofA Securities, Inc. One Bryant Park New York, New York 10036 c/o Morgan Stanley & Co. LLC 1585 Broadway New Y

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 October 29, 2024 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificat

Table 1: Newly Registered and Carry Forward Securities

Calculation of Filing Fee Tables S-3 SYNOVUS FINANCIAL CORP Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be Paid 1 Debt 6.

Synovus Financial Corp. 6.168% Fixed Rate / Floating Rate Senior Notes due 2030

Filed Pursuant to Rule 424(b)(2) Registration No: 333-266462 Prospectus Supplement (To Prospectus dated August 2, 2022)  $500,000,000 Synovus Financial Corp.

Synovus Financial Corp. 6.168% Fixed Rate / Floating Rate Senior Notes due 2030 Term Sheet

Filed Pursuant to Rule 433 Registration No. 333-266462 October 29, 2024 Synovus Financial Corp. $500,000,000 6.168% Fixed Rate / Floating Rate Senior Notes due 2030 Term Sheet This term sheet supplements the information set forth under the captions “Description of Notes” and “Description of Debt Securities” in the prospectus supplement dated October 29, 2024, and the accompanying prospectus dated

Subject to completion, dated October 29, 2024

Filed Pursuant to Rule 424(b)(5) Registration No: 333-266462 The information in this preliminary prospectus supplement is not complete and may be changed.

SNV / Synovus Financial Corp. / STATE STREET CORP Passive Investment

SC 13G/A 1 SynovusFinancialCorp.htm SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* SYNOVUS FINANCIAL CORP (Name of Issuer) COMMON STOCK (Title of Class of Securities) 87161C501 (CUSIP Number) September 30, 2024 (Date of Event Which Requires Filing of This Statement) Check the appropriate box to designate the rule p

Earnings Results Third Quarter 2024 Exhibit 99.3 2 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

Earnings Results Third Quarter 2024 Exhibit 99.3 2 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, as amended. All

Media Contact Investor Contact Audria Belton Jennifer H. Demba, CFA Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for third quarter 2024 Diluted earnings per share of $1.18 versus $0.60

Exhibit 99.1 Media Contact Investor Contact Audria Belton Jennifer H. Demba, CFA Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for third quarter 2024 Diluted earnings per share of $1.18 versus $0.60 in 3Q23 Adjusted diluted earnings per share of $1.23 versus $0.84 in 3Q23 COLUMBUS, Ga., Oct. 16, 2024 - Synovus Financial Corp. (NYSE: S

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 October 16, 2024 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificat

Synovus INCOME STATEMENT DATA (Unaudited) (Dollars in thousands, except per share data) 2024 2023 Third Quarter Third Quarter Second Quarter First Quarter Fourth Quarter Third Quarter '24 vs '23 % Change Interest income $ 810,507 801,242 782,710 788,

Synovus Exhibit 99.2 INCOME STATEMENT DATA (Unaudited) (Dollars in thousands, except per share data) Nine Months Ended September 30, 2024 2023 '24 vs '23 % Change Interest income $ 2,394,459 $ 2,262,061 6 % Interest expense 1,099,876 882,619 25 Net interest income 1,294,583 1,379,442 (6) Provision for (reversal of) credit losses 103,818 143,607 (28) Net interest income after provision for credit l

Third Quarter 2024 Investor Conference Presentation September 2024 Exhibit 99.1 2 This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements" wit

a3q24printtopdf Third Quarter 2024 Investor Conference Presentation September 2024 Exhibit 99.

As filed with the Securities and Exchange Commission on September 3, 2024

As filed with the Securities and Exchange Commission on September 3, 2024 Registration No.

Filing Fee Table

Calculation of Filing Fee Tables S-3 SYNOVUS FINANCIAL CORP Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be Paid 1 Equity Common Stock, par value $1.

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 September 3, 2024 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 September 3, 2024 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identifica

LETTER

August 30, 2024 Andrew Gregory, Jr. Executive Vice President and Chief Financial Officer Synovus Financial Corp. 1111 Bay Avenue Suite 500 Columbus, GA 31901 Re: Synovus Financial Corp. Form 10-K for Fiscal Year Ended December 31, 2023 File No. 001-10312 Dear Andrew Gregory Jr.: We have completed our review of your filing. We remind you that the company and its management are responsible for the a

Andrew J. Gregory, Jr. Executive Vice President and Chief Financial Officer [email protected] (706) 644-8222 August 13, 2024 VIA EDGAR FILING United States Securities and Exchange Commission Division of Corporation Finance Office of Finance At

Andrew J. Gregory, Jr. Executive Vice President and Chief Financial Officer [email protected] (706) 644-8222 August 13, 2024 VIA EDGAR FILING United States Securities and Exchange Commission Division of Corporation Finance Office of Finance Attention: Shannon Davis John Spitz Re: Synovus Financial Corp. (the “Company”) Form 10-K for Fiscal Year Ended December 31, 2023 File No. 001-10312 Lad

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2024 Commission file number 1-10312 SY

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2024 Commission file number 1-10312 SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 58-1134883 (State or other jurisdiction of incorporation or organ

LETTER

July 31, 2024 Andrew Gregory, Jr. Executive Vice President and Chief Financial Officer Synovus Financial Corp. 1111 Bay Avenue Suite 500 Columbus, GA 31901 Re: Synovus Financial Corp. Form 10-K for Fiscal Year Ended December 31, 2023 File No. 001-10312 Dear Andrew Gregory Jr.: We have limited our review of your filing to the financial statements and related disclosures and have the following comme

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 July 17, 2024 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identification

Media Contact Investor Contact Audria Belton Jennifer H. Demba, CFA Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for second quarter 2024 Diluted earnings (loss) per share of $(0.16) vs.

Exhibit 99.1 Media Contact Investor Contact Audria Belton Jennifer H. Demba, CFA Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for second quarter 2024 Diluted earnings (loss) per share of $(0.16) vs. $1.13 in 2Q23 Adjusted diluted earnings per share of $1.16 vs. $1.16 in 2Q23 Securities loss of $257 million impacts 2Q24 EPS, adjusted

1 Earnings Release July 18, 2024 Second Quarter 2024 Results Exhibit 99.3 2 This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements" within th

1 Earnings Release July 18, 2024 Second Quarter 2024 Results Exhibit 99.3 2 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

Synovus INCOME STATEMENT DATA (Unaudited) (Dollars in thousands, except per share data) 2024 2023 Second Quarter Second Quarter First Quarter Fourth Quarter Third Quarter Second Quarter '24 vs '23 % Change Interest income $ 801,242 782,710 788,297 78

Synovus Exhibit 99.2 INCOME STATEMENT DATA (Unaudited) (Dollars in thousands, except per share data) Six Months Ended June 30, 2024 2023 '24 vs '23 % Change Interest income $ 1,583,952 $ 1,476,022 7 % Interest expense 730,108 539,739 35 Net interest income 853,844 936,283 (9) Provision for (reversal of) credit losses 80,384 71,035 13 Net interest income after provision for credit losses 773,460 86

1 Second Quarter 2024 Investor Meetings Chairman, President & CEO Kevin Blair EVP and Chief Financial Officer Jamie Gregory 2 This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that

1 Second Quarter 2024 Investor Meetings Chairman, President & CEO Kevin Blair EVP and Chief Financial Officer Jamie Gregory 2 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, as amended.

Regulation FD Disclosure, Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 May 6, 2024 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identification N

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2024 Commission file number 1-10312 S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2024 Commission file number 1-10312 SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 58-1134883 (State or other jurisdiction of incorporation or orga

Summary of Board of Directors Compensation.

Exhibit 10.1 SYNOVUS FINANCIAL CORP. Board of Directors Compensation (Effective April 24, 2024) Cash Compensation Annual Board Retainer $75,000 Annual Board Committee Member Retainers: Audit Committee $15,000 Risk Committee $15,000 Compensation and Human Capital Committee $12,500 Corporate Governance and Nominating Committee $10,000 Annual Committee Chair Retainers:** Audit Committee $20,000 Risk

Submission of Matters to a Vote of Security Holders

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 April 24, 2024 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificatio

Regulation FD Disclosure

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 April 18, 2024 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificatio

Media Contact Investor Contact Audria Belton Jennifer H. Demba, CFA Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for the first quarter 2024 Diluted earnings per share of $0.78 vs. $1.32

Exhibit 99.1 Media Contact Investor Contact Audria Belton Jennifer H. Demba, CFA Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for the first quarter 2024 Diluted earnings per share of $0.78 vs. $1.32 in 1Q23 Adjusted diluted earnings per share of $0.79 vs. $1.33 in 1Q23 $12.8 million FDIC Special Assessment reduced 1Q24 reported and a

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 April 17, 2024 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Na

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 April 17, 2024 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificatio

1 Earnings Release April 18, 2024 First Quarter 2024 Results Exhibit 99.3 2 This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements" within th

1 Earnings Release April 18, 2024 First Quarter 2024 Results Exhibit 99.3 2 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

Synovus BALANCE SHEET DATA March 31, 2024 December 31, 2023 March 31, 2023 (Unaudited) (In thousands, except share data) ASSETS Interest-earning deposits with banks and other cash and cash equivalents $ 2,379,778 $ 2,414,103 $ 3,329,882 Federal funds

Synovus Exhibit 99.2 INCOME STATEMENT DATA (Unaudited) (Dollars in thousands, except per share data) 2024 2023 First Quarter First Quarter Fourth Quarter Third Quarter Second Quarter First Quarter '24 vs '23 % Change Interest income $ 782,710 788,297 786,039 759,143 716,879 9 % Interest expense 363,864 351,083 342,880 303,612 236,128 54 Net interest income 418,846 437,214 443,159 455,531 480,751 (

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant þ Filed by a party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential,

ANNUAL REPORT 2023 Synovus 2023 A nnual Report Our purpose Enabling people to reach their full potential Shareholder Information Synovus Financial Corp. is a financial services company based in Columbus, Georgia, with approximately $60 billion in ass

ANNUAL REPORT 2023 Synovus 2023 A nnual Report Our purpose Enabling people to reach their full potential Shareholder Information Synovus Financial Corp.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A/A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A/A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant þ Filed by a party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the C

Form of Revised Cash-Settled Restricted Stock Unit Agreement for cash-settled restricted stock awards under the Synovus Financial Corp. 2021 Omnibus Plan.*

Exhibit 10.43 REVISED CASH-SETTLED RESTRICTED STOCK UNIT AGREEMENT THIS CASH-SETTLED RESTRICTED STOCK UNIT AGREEMENT (“Agreement”) is made effective as of the grant date set forth below by and between SYNOVUS FINANCIAL CORP., a Georgia corporation (the “Corporation”), and (“Executive”). WHEREAS, Executive has been awarded Restricted Stock Units (“RSUs”) under the Corporation’s 2021 Omnibus Plan (“

Code of Business Conduct and Ethics.

Exhibit 14 Synovus Financial Corp. Code of Business Conduct and Ethics Table of Contents Purpose 1 Scope 1 Policy 1 Responsibilities 9 Enforcement 9 Review and Revision 9 Purpose Pursuant to the Sarbanes-Oxley Act of 2002 and Compliance Standards of the New York Stock Exchange and the Securities and Exchange Commission, Synovus Financial Corp. and its subsidiaries (the “Company”) have established

Amendment No. 2 to the Synovus Financial Corp. 2013 Omnibus Plan dated October 23, 2023.*

Exhibit 10.9 AMENDMENT NO. 2 TO SYNOVUS FINANCIAL CORP. 2013 OMNIBUS PLAN THIS AMENDMENT NO. 2 TO SYNOVUS FINANCIAL CORP. 2013 OMNIBUS PLAN (this “Amendment”) is entered into as of October 23, 2023. Capitalized terms used in this Amendment and not otherwise defined shall have the meaning given to such terms in the Synovus Financial Corp. 2013 Omnibus Plan, effective as of April 25, 2013 and as ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2023 Commission file number 1-10312 SYNOVU

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2023 Commission file number 1-10312 SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 58-1134883 (State or other jurisdiction of incorporation or organizat

of Synovus' Annual Report on Form 10-K for the period en

Exhibit 97 SYNOVUS FINANCIAL CORP. MANDATORY CLAWBACK POLICY A.OVERVIEW In accordance with the applicable rules of The New York Stock Exchange Listed Company Manual (the “NYSE Rules”), Section 10D and Rule 10D-1 (“Rule 10D-1”) of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), the Board of Directors (the “Board”) of Synovus Financial Corp. (the “Company”) has adopted this Pol

Form of Revised Restricted Stock Unit Agreement for restricted stock awards under the Synovus Financial Corp. 2021 Omnibus Plan.*

Exhibit 10.44 REVISED RESTRICTED STOCK UNIT AGREEMENT THIS RESTRICTED STOCK UNIT AGREEMENT (“Agreement”) is made effective as of the grant date set forth below by and between SYNOVUS FINANCIAL CORP., a Georgia corporation (the “Corporation”), and (“Executive”). WHEREAS, Executive has been awarded Restricted Stock Units (“RSUs”) under the Corporation’s 2021 Omnibus Plan (“Plan”). NOW, THEREFORE, in

Subsidiaries of Synovus Financial Corp.

Exhibit 21.1 SUBSIDIARIES OF SYNOVUS FINANCIAL CORP. Ownership Percentage Name Place of Incorporation 100% Synovus Bank Georgia 100% Synovus Trust Company, National Association National 50% Sterling Place, L.L.C. Alabama 40% Orchid, LLC Alabama 100% The Summerton Inn, Inc. South Carolina 100% Global Financial Distributors, Inc. Georgia 49.99% Azalea Park Partners, LP Maryland 100% CB&T Special Lim

Amendment No. 1 to the Synovus Financial Corp. 2021 Omnibus Plan dated October 23, 2023.*

Exhibit 10.34 AMENDMENT NO. 1 TO SYNOVUS FINANCIAL CORP. 2021 OMNIBUS PLAN THIS AMENDMENT NO. 1 TO SYNOVUS FINANCIAL CORP. 2021 OMNIBUS PLAN (this “Amendment”) is entered into as of October 23, 2023. Capitalized terms used in this Amendment and not otherwise defined shall have the meaning given to such terms in the Synovus Financial Corp. 2021 Omnibus Plan, effective as of April 21, 2021 (the “Pla

SNV / Synovus Financial Corp. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv02030-synovusfinancialcorp.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 12)* Name of issuer: Synovus Financial Corp Title of Class of Securities: Common Stock CUSIP Number: 87161C501 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate box to

SNV / Synovus Financial Corp. / FMR LLC Passive Investment

SCHEDULE 13G Amendment No.0 SYNOVUS FINANCIAL CORP COMMON STOCK Cusip #87161C501 Check the appropriate box to designate the rule pursuant to which this Schedule is filed: [x] Rule 13d-1(b) [ ] Rule 13d-1(c) [ ] Rule 13d-1(d) Cusip #87161C501 Item 1: Reporting Person - FMR LLC Item 2: (a) [ ] (b) [ ] Item 4: Delaware Item 5: 10,847,253 Item 6: 0 Item 7: 10,867,803 Item 8: 0 Item 9: 10,867,803 Item

SNV / Synovus Financial Corp. / WELLINGTON MANAGEMENT GROUP LLP - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 4 )* Synovus Financial (Name of Issuer) Common Stock (Title of Class of Securities) 87161C501 (CUSIP Number) December 29, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to d

SNV / Synovus Financial Corp. / BlackRock Inc. Passive Investment

us87161c5013012424.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 1) SYNOVUS FINANCIAL CORP - (Name of Issuer) Common Stock - (Title of Class of Securities) 87161C501 - (CUSIP Number) December 31, 2023 - (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuan

SNV / Synovus Financial Corp. / STATE STREET CORP Passive Investment

SC 13G 1 SynovusFinanCorp.txt UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13G UNDER THE SECURITIES EXCHANGE ACT OF 1934 INITIAL FILING SYNOVUS FINANCIAL CORP (NAME OF ISSUER) COMMON STOCK (TITLE OF CLASS OF SECURITIES) 87161C501 (CUSIP NUMBER) 12/31/2023 (DATE OF EVENT WHICH REQUIRES FILING OF THIS STATEMENT) CHECK THE APPROPRIATE BOX TO DESIGNATE THE RULE PURS

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 January 17, 2024 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificat

Media Contact Investor Contact Audria Belton Jennifer H. Demba, CFA Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for the fourth quarter 2023 Diluted earnings per share of $0.41 vs. $1.3

Exhibit 99.1 Media Contact Investor Contact Audria Belton Jennifer H. Demba, CFA Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for the fourth quarter 2023 Diluted earnings per share of $0.41 vs. $1.35 in 4Q22 Adjusted diluted earnings per share of $0.80 vs. $1.35 in 4Q22 $51 million FDIC Special Assessment Reduced 4Q23 Reported and Ad

Synovus INCOME STATEMENT DATA (Unaudited) (Dollars in thousands, except per share data) 2023 2022 Fourth Quarter Fourth Quarter Third Quarter Second Quarter First Quarter Fourth Quarter '23 vs '22 % Change Interest income $ 788,297 786,039 759,143 71

Synovus Exhibit 99.2 INCOME STATEMENT DATA (Unaudited) Years Ended (Dollars in thousands, except per share data) December 31, 2023 2022 % Change Interest income $ 3,050,358 $ 2,075,787 47 % Interest expense 1,233,703 278,887 342 Net interest income 1,816,655 1,796,900 1 Provision for (reversal of) credit losses 189,079 84,553 124 Net interest income after provision for credit losses 1,627,576 1,71

1 Fourth Quarter 2023 Results Earnings Release January 18, 2024 Exhibit 99.3 2 This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements" within

1 Fourth Quarter 2023 Results Earnings Release January 18, 2024 Exhibit 99.3 2 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

1 2023 Goldman Sachs U.S. Financial Services Conference December 6, 2023 Exhibit 99.1 2 This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statement

gsdeck12523final003 1 2023 Goldman Sachs U.S. Financial Services Conference December 6, 2023 Exhibit 99.1 2 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 21

Regulation FD Disclosure, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 December 5, 2023 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificat

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2023 Commission file number 1-103

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2023 Commission file number 1-10312 SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 58-1134883 (State or other jurisdiction of incorporation or

Regulation FD Disclosure, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 1, 2023 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificat

1 BancAnalysts Association of Boston Conference November 2, 2023 Exhibit 99.1 2 This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements" withi

1 BancAnalysts Association of Boston Conference November 2, 2023 Exhibit 99.1 2 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

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 October 18, 2023 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificat

Media Contact Investor Contact Audria Belton Jennifer Demba Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for the third quarter 2023 Diluted earnings per share of $0.60 vs. $1.33 in 3Q22

Exhibit 99.1 Media Contact Investor Contact Audria Belton Jennifer Demba Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for the third quarter 2023 Diluted earnings per share of $0.60 vs. $1.33 in 3Q22 Adjusted diluted earnings per share of $0.84 vs. $1.34 in 3Q22 COLUMBUS, Ga., Oct. 18, 2023 - Synovus Financial Corp. (NYSE: SNV) today

Earnings Release October 19, 2023 Third Quarter 2023 Results Exhibit 99.3 2 This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements" within th

Earnings Release October 19, 2023 Third Quarter 2023 Results Exhibit 99.3 2 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

Synovus INCOME STATEMENT DATA (Unaudited) (Dollars in thousands, except per share data) 2023 2022 Third Quarter Third Quarter Second Quarter First Quarter Fourth Quarter Third Quarter '23 vs '22 % Change Interest income $ 786,039 759,143 716,879 654,

Synovus Exhibit 99.2 INCOME STATEMENT DATA (Unaudited) (Dollars in thousands, except per share data) Nine Months Ended September 30, 2023 2022 '23 vs '22 % Change Interest income $ 2,262,061 $ 1,421,133 59 % Interest expense 882,619 125,578 603 Net interest income 1,379,442 1,295,555 6 Provision for (reversal of) credit losses 143,607 49,669 189 Net interest income after provision for credit losse

Financial Statements and Exhibits, Other Events

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 September 18, 2023 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identific

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2023 Commission file number 1-10312 SY

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2023 Commission file number 1-10312 SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 58-1134883 (State or other jurisdiction of incorporation or organ

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 July 19, 2023 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Nam

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 July 19, 2023 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identification

Media Contact Investor Contact Audria Belton Jennifer Demba Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for the second quarter 2023 Diluted earnings per share of $1.13 vs. $1.16 in 2Q2

Exhibit 99.1 Media Contact Investor Contact Audria Belton Jennifer Demba Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for the second quarter 2023 Diluted earnings per share of $1.13 vs. $1.16 in 2Q22 Adjusted diluted earnings per share of $1.16 vs. $1.17 in 2Q22 COLUMBUS, Ga., July 19, 2023 - Synovus Financial Corp. (NYSE: SNV) today

Earnings Release July 20, 2023 Second Quarter 2023 Results Exhibit 99.3 2 This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements" within the

snv06302023xex993xfilin Earnings Release July 20, 2023 Second Quarter 2023 Results Exhibit 99.

Synovus INCOME STATEMENT DATA (Unaudited) (Dollars in thousands, except per share data) 2023 2022 Second Quarter Second Quarter First Quarter Fourth Quarter Third Quarter Second Quarter '23 vs '22 % Change Interest income $ 759,143 716,879 654,654 55

Synovus Exhibit 99.2 INCOME STATEMENT DATA (Unaudited) (Dollars in thousands, except per share data) Six Months Ended June 30, 2023 2022 23 vs '22 % Change Interest income $ 1,476,022 $ 869,834 70 % Interest expense 539,739 52,199 934 Net interest income 936,283 817,635 15 Provision for (reversal of) credit losses 71,035 24,088 195 Net interest income after provision for credit losses 865,248 793,

London, UK – June 5, 2023 KBW US Regional Leaders Bank Conference Exhibit 99.1 This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements" within

kbwuk London, UK – June 5, 2023 KBW US Regional Leaders Bank Conference Exhibit 99.

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 June 2, 2023 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 June 2, 2023 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identification

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2023 Commission file number 1-10312 S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2023 Commission file number 1-10312 SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 58-1134883 (State or other jurisdiction of incorporation or orga

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 April 26, 2023 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Na

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 April 26, 2023 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificatio

Media Contact Investor Contact Audria Belton Cal Evans Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for the first quarter 2023 Diluted earnings per share of $1.32 vs. $1.11 in 1Q22 Adju

Exhibit 99.1 Media Contact Investor Contact Audria Belton Cal Evans Media Relations Investor Relations [email protected] [email protected] Synovus announces earnings for the first quarter 2023 Diluted earnings per share of $1.32 vs. $1.11 in 1Q22 Adjusted diluted earnings per share of $1.33 vs. $1.08 in 1Q22 COLUMBUS, Ga., April 19, 2023 - Synovus Financial Corp. (NYSE: SNV) today repo

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 April 19, 2023 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Na

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 April 19, 2023 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificatio

Earnings Release April 20, 2023 First Quarter 2023 Results Exhibit 99.3 2 This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements" within the

a1q23earningspresentatio Earnings Release April 20, 2023 First Quarter 2023 Results Exhibit 99.

Synovus BALANCE SHEET DATA March 31, 2023 December 31, 2022 March 31, 2022 (Unaudited) (In thousands, except share data) ASSETS Cash and due from banks $ 638,150 $ 624,097 $ 557,178 Interest-bearing funds with Federal Reserve Bank 2,656,953 1,280,684

Synovus Exhibit 99.2 INCOME STATEMENT DATA (Unaudited) (Dollars in thousands, except per share data) 2023 2022 First Quarter First Quarter Fourth Quarter Third Quarter Second Quarter First Quarter '23 vs '22 % Change Interest income $ 716,879 654,654 551,299 453,772 416,062 72 % Interest expense 236,128 153,308 73,380 28,384 23,814 892 Net interest income 480,751 501,346 477,919 425,388 392,248 23

ARS

1 2022 Annual Reportpotential full1 Our name reflects our uniqueness Synergy + novus = We’re driven by our purpose Our values guide how we act Our Customer Covenant defines how we deepen relationships Rooted in our heritage, grown out of our deep belief in the value of service and putting people first, and a testament to our commitment to deliver value using our expertise.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant þ Filed by a party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A/A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A/A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant þ Filed by a party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the C

Atlanta, GA - March 13-14, 2023 Piper Sandler Bank Investor Conference Exhibit 99.1 This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements" w

psc3-14vfinal Atlanta, GA - March 13-14, 2023 Piper Sandler Bank Investor Conference Exhibit 99.

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 March 13, 2023 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Na

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 March 13, 2023 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificatio

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 March 7, 2023 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Nam

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 March 7, 2023 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identification

March 7, 2023 Raymond James 44th Annual Institutional Investor Conference Exhibit 99.1 This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements

raymondjames3620231100bf March 7, 2023 Raymond James 44th Annual Institutional Investor Conference Exhibit 99.

Form of Revised Restricted Stock Unit Agreement for restricted stock awards under the Synovus Financial Corp. 2021 Omnibus Plan, incorporated by reference to Exhibit 10.47 of Synovus' Annual Report on Form 10-K for the fiscal year ended December 31, 2022, as filed with the SEC on February 24, 2023.*

Exhibit 10.47 REVISED RESTRICTED STOCK UNIT AGREEMENT THIS RESTRICTED STOCK UNIT AGREEMENT (“Agreement”) is made effective as of the grant date set forth below by and between SYNOVUS FINANCIAL CORP., a Georgia corporation (the “Corporation”), and (“Executive”). WHEREAS, Executive has been awarded Restricted Stock Units (“RSUs”) under the Corporation’s 2021 Omnibus Plan (“Plan”). NOW, THEREFORE, in

Code of Business Conduct and Ethics.

Exhibit 14 Synovus Financial Corp. Code of Business Conduct and Ethics Table of Contents Purpose 1 Scope 1 Policy 1 Responsibilities 8 Enforcement 9 Review and Revision 9 Purpose Pursuant to the Sarbanes-Oxley Act of 2002 and compliance standards of the New York Stock Exchange and the Securities and Exchange Commission, Synovus Financial Corp. and its subsidiaries (the “Company”) have established

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2022 Commission file number 1-10312 SYNOVU

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2022 Commission file number 1-10312 SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 58-1134883 (State or other jurisdiction of incorporation or organizat

Subsidiaries of Synovus Financial Corp.

Exhibit 21.1 SUBSIDIARIES OF SYNOVUS FINANCIAL CORP. Ownership Percentage Name Place of Incorporation 100% Synovus Bank Georgia 100% Synovus Trust Company, National Association National 50% Sterling Place, L.L.C. Alabama 40% Orchid, LLC Alabama 100% The Summerton Inn, Inc. South Carolina 100% Global Financial Distributors, Inc. Georgia 49.99% Azalea Park Partners, LP Maryland 100% CB&T Special Lim

Form of Revised Cash-Settled Restricted Stock Unit Agreement for cash-settled restricted stock awards under the Synovus Financial Corp. 2021 Omnibus Plan, incorporated by reference to Exhibit 10.50 of Synovus' Annual Report on Form 10-K for the fiscal year ended December 31, 2022, as filed with the SEC on February 24, 2023.*

Exhibit 10.50 REVISED CASH-SETTLED RESTRICTED STOCK UNIT AGREEMENT THIS CASH-SETTLED RESTRICTED STOCK UNIT AGREEMENT (“Agreement”) is made effective as of the grant date set forth below by and between SYNOVUS FINANCIAL CORP., a Georgia corporation (the “Corporation”), and (“Executive”). WHEREAS, Executive has been awarded Restricted Stock Units (“RSUs”) under the Corporation’s 2021 Omnibus Plan (“

5.625% Senior Bank Notes due 2028, incorporated by reference to Exhibit 4.1 of Synovus’ Current Report on Form 8-K dated February 16, 2023, as filed with the SEC on February 16, 2023.

Exhibit 4.1 GLOBAL SENIOR NOTE SYNOVUS BANK 5.625% Senior Bank Note due 2028 THIS OBLIGATION IS NOT A DEPOSIT AND IS NOT INSURED BY OR GUARANTEED BY THE UNITED STATES OR ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES, INCLUDING THE FEDERAL DEPOSIT INSURANCE CORPORATION (THE “FDIC”). THIS NOTE IS A DIRECT, UNCONDITIONAL, UNSECURED AND UNSUBORDINATED GENERAL OBLIGATION OF THE ISSUER. THE OBLIGAT

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 February 16, 2023 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identifica

SNV / Synovus Financial Corp. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv02000-synovusfinancialcorp.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 11)* Name of issuer: Synovus Financial Corp. Title of Class of Securities: Common Stock CUSIP Number: 87161C501 Date of Event Which Requires Filing of this Statement: December 30, 2022 Check the appropriate box t

SNV / Synovus Financial Corp. / WELLINGTON MANAGEMENT GROUP LLP - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3 )* Synovus Financial (Name of Issuer) Common Stock (Title of Class of Securities) 87161C501 (CUSIP Number) December 30, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Sche

SNV / Synovus Financial Corp. / BlackRock Inc. Passive Investment

us87161c5013012423.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: ) SYNOVUS FINANCIAL CORP - (Name of Issuer) Common Stock - (Title of Class of Securities) 87161C501 - (CUSIP Number) December 31, 2022 - (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 January 18, 2023 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificat

Media Contact Investor Contact Audria Belton Cal Evans Media Relations Investor Relations [email protected] [email protected] Synovus Announces Earnings for the Fourth Quarter 2022 Diluted Earnings per Share of $1.35 vs. $1.33 in 3Q22 Adj

Exhibit 99.1 Media Contact Investor Contact Audria Belton Cal Evans Media Relations Investor Relations [email protected] [email protected] Synovus Announces Earnings for the Fourth Quarter 2022 Diluted Earnings per Share of $1.35 vs. $1.33 in 3Q22 Adjusted Diluted Earnings per Share of $1.35 vs. $1.34 in 3Q22 COLUMBUS, Ga., Jan. 18, 2023 - Synovus Financial Corp. (NYSE: SNV) today repo

Fourth Quarter 2022 Results January 19, 2023 Exhibit 99.3 2 Forward Looking Statements This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements

Fourth Quarter 2022 Results January 19, 2023 Exhibit 99.3 2 Forward 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 E

Synovus INCOME STATEMENT DATA (Unaudited) (Dollars in thousands, except per share data) 2022 2021 Fourth Quarter Fourth Quarter Third Quarter Second Quarter First Quarter Fourth Quarter '22 vs '21 % Change Interest income $ 654,654 551,299 453,772 41

Synovus Exhibit 99.2 INCOME STATEMENT DATA (Unaudited) Years Ended (Dollars in thousands, except per share data) December 31, 2022 2021 % Change Interest income $ 2,075,787 $ 1,653,343 26 % Interest expense 278,887 120,396 132 Net interest income 1,796,900 1,532,947 17 Provision for (reversal of) credit losses 84,553 (106,251) nm Net interest income after provision for credit losses 1,712,347 1,63

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 December 15, 2022 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identifica

Kevin Blair to Succeed Kessel Stelling as Synovus Board Chair

Exhibit 99.1 For Immediate Release Contact: Audria Belton [email protected] Kevin Blair to Succeed Kessel Stelling as Synovus Board Chair COLUMBUS, Ga., Dec. 15, 2022 ? Synovus Financial Corp. (NYSE:SNV) today announced the appointment of President and Chief Executive Officer Kevin Blair to chairman of the board, effective Jan. 1, 2023. Blair succeeds Kessel D. Stelling, who is retiring as chairma

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 December 6, 2022 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 December 6, 2022 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificat

©2022 Synovus. All Rights Reserved. 1 Goldman Sachs 2022 US Financial Services Conference Kevin Blair – President and CEO December 7, 2022 Exhibit 99.1 ©2022 Synovus. All Rights Reserved. 2 This slide presentation and certain of our other filings wit

goldmanconferencev612062 ©2022 Synovus. All Rights Reserved. 1 Goldman Sachs 2022 US Financial Services Conference Kevin Blair – President and CEO December 7, 2022 Exhibit 99.1 ©2022 Synovus. All Rights Reserved. 2 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 o

©2022 Synovus. All Rights Reserved. 1 BancAnalysts Association of Boston Conference Kevin Blair - President and CEO November 3, 2022 Exhibit 99.1 ©2022 Synovus. All Rights Reserved. 2 This slide presentation and certain of our other filings with the

baabconferencev24hm3 ©2022 Synovus. All Rights Reserved. 1 BancAnalysts Association of Boston Conference Kevin Blair - President and CEO November 3, 2022 Exhibit 99.1 ©2022 Synovus. All Rights Reserved. 2 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 sub

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 3, 2022 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 3, 2022 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificat

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2022 Commission file number 1-103

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2022 Commission file number 1-10312 SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 58-1134883 (State or other jurisdiction of incorporation or

Synovus INCOME STATEMENT DATA (Unaudited) (Dollars in thousands, except per share data) 2022 2021 Third Quarter Third Quarter Second Quarter First Quarter Fourth Quarter Third Quarter '22 vs '21 % Change Interest income $ 551,299 453,772 416,062 418,

Synovus Exhibit 99.2 INCOME STATEMENT DATA (Unaudited) (Dollars in thousands, except per share data) Nine Months Ended September 30, 2022 2021 22 vs '21 % Change Interest income $ 1,421,133 $ 1,235,064 15 % Interest expense 125,578 94,430 33 Net interest income 1,295,555 1,140,634 14 Provision for (reversal of) credit losses 49,669 (51,041) nm Net interest income after provision for credit losses

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 October 20, 2022 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificat

Media Contact Investor Contact Audria Belton Cal Evans Media Relations Investor Relations [email protected] [email protected] Synovus Announces Earnings for the Third Quarter 2022 Diluted Earnings per Share of $1.33 vs. $1.21 in 3Q21 Adju

Exhibit 99.1 Media Contact Investor Contact Audria Belton Cal Evans Media Relations Investor Relations [email protected] [email protected] Synovus Announces Earnings for the Third Quarter 2022 Diluted Earnings per Share of $1.33 vs. $1.21 in 3Q21 Adjusted Diluted Earnings per Share of $1.34 vs. $1.20 in 3Q21 COLUMBUS, Ga., Oct. 20, 2022 - Synovus Financial Corp. (NYSE: SNV) today repor

October 20, 2022 Third Quarter 2022 Results Exhibit 99.3 Forward-Looking Statements This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements" w

October 20, 2022 Third Quarter 2022 Results Exhibit 99.3 Forward-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 Exch

5.200% Senior Note due 2025, incorporated by reference to Exhibit 4.2 of Synovus' Current Report on Form 8-K dated August 11, 2022, as filed with the SEC on August 11, 2022.

Exhibit 4.2 THIS NOTE IS A REGISTERED GLOBAL SECURITY WHICH IS HELD BY THE DEPOSITARY (AS DEFINED IN THE INDENTURE GOVERNING THIS NOTE) OR ITS NOMINEE IN CUSTODY FOR THE BENEFIT OF THE BENEFICIAL OWNERS HEREOF, AND IS NOT TRANSFERABLE TO ANY PERSON UNDER ANY CIRCUMSTANCES EXCEPT IN THE LIMITED CIRCUMSTANCES PROVIDED BY THE INDENTURE. UNLESS AND UNTIL IT IS EXCHANGED IN WHOLE OR IN PART FOR SECURIT

Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 August 11, 2022 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificati

Calculation of Filing Fee Tables (Form Type) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities

EX-FILING FEES 2 ny20004926x2ex107.htm FILING FEES TABLE EXHIBIT 107 EX-FILING FEES Calculation of Filing Fee Tables 424(B)(2) (Form Type) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per

$350,000,000 Synovus Financial Corp. 5.200% Senior Notes due 2025

TABLE OF CONTENTS Filed Pursuant to Rule 424(b)(2) Registration No: 333-266462 Prospectus Supplement (To Prospectus dated August 2, 2022) ? $350,000,000 Synovus Financial Corp.

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 August 4, 2022 Date of Report (Date of Earliest Event Reported) Synovus Financial Corp. (Exact Name of Registrant as Specified in its Charter) Georgia 1-10312 58-1134883 (State of Incorporation) (Commission File Number) (IRS Employer Identificatio

among the Company and Morgan Stanley & Co. LLC and Goldman Sachs Co. LLC, as representatives of the several underwriters named therein, pertaining to the offer and sale of the Notes.

EX-1.1 2 finalexhibit1.htm EX-1.1 Execution Version SYNOVUS FINANCIAL CORP. $350,000,000 5.200% Senior Notes due 2025 Underwriting Agreement August 4, 2022 Morgan Stanley & Co. LLC Goldman Sachs & Co. LLC As Representatives of the Several Underwriters listed in Schedule I hereto c/o Morgan Stanley & Co. LLC 1585 Broadway New York, New York 10036 c/o Goldman Sachs & Co. LLC 200 West Street New York

Synovus Financial Corp. 5.200% Senior Notes due 2025 Term Sheet

Filed Pursuant to Rule 433 Registration No. 333-266462 August 4, 2022 Synovus Financial Corp. $350,000,000 5.200% Senior Notes due 2025 Term Sheet This term sheet supplements the information set forth under the captions ?Description of Notes? and ?Description of Debt Securities? in the prospectus supplement dated August 4, 2022 and the accompanying prospectus dated August 2, 2022. Issuer: Synovus

The information in this preliminary prospectus supplement is not complete and may be changed. This preliminary prospectus supplement and the accompanying base prospectus do not constitute an offer to sell these securities and are not soliciting an of

TABLE OF CONTENTS Filed Pursuant to Rule 424(b)(5) Registration No: 333-266462 The information in this preliminary prospectus supplement is not complete and may be changed.

As filed with the Securities and Exchange Commission on August 2, 2022

As filed with the Securities and Exchange Commission on August 2, 2022 Registration No.

Statement of Eligibility of Trustee on Form T-1 for Junior Subordinated Debt Indenture.

Exhibit 25.3 = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION 305(b)(2) || THE BANK OF NE

Filing Fee Table

Exhibit 107 Calculation of Filing Fee Tables Form S-3ASR (Form Type) Synovus Financial Corp.

Statement of Eligibility of Trustee on Form T-1 for Senior Debt Indenture.

Exhibit 25.1 = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION 305(b)(2) || THE BANK OF NE

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2022 Commission file number 1-10312 SY

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2022 Commission file number 1-10312 SYNOVUS FINANCIAL CORP. (Exact name of registrant as specified in its charter) Georgia 58-1134883 (State or other jurisdiction of incorporation or organ

Statement of Eligibility of Trustee on Form T-1 for Subordinated Debt Indenture.

Exhibit 25.2 = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION 305(b)(2) || THE BANK OF NE