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<TITLE>FORM 8-K</TITLE>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">SECURITIES AND EXCHANGE COMMISSION </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Washington, D.C. 20549 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Form 8-K
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">CURRENT REPORT </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Pursuant to
Section&nbsp;13 or 15(d) of </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">the Securities Exchange Act of 1934 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>October&nbsp;22, 2013</U> </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U></U>Date of Report </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Date of
Earliest Event Reported) </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Synovus Financial Corp.</U> </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U></U>(Exact Name of Registrant as Specified in its Charter) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Georgia</U></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U></U>(State&nbsp;of&nbsp;Incorporation)</P></TD>
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<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>1-10312</U></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U></U>(Commission&nbsp;File&nbsp;Number)</P></TD>
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<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>58-1134883</U></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U></U>(IRS&nbsp;Employer&nbsp;Identification&nbsp;No.)</P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>1111 Bay Avenue, Suite 500, Columbus, Georgia 31901</U> </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U></U>(Address of principal executive offices) (Zip Code) </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>(706) 649-2311</U> </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Registrant&#146;s telephone number, including area
code)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:10.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:47%">&nbsp;</P></center> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Former name or
former address, if changed since last report) </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Check the appropriate box below if the Form 8-K filing is intended to simultaneously
satisfy the filing obligation of the registrant under any of the following provisions: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></TD>
<TD ALIGN="left" VALIGN="top">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></TD>
<TD ALIGN="left" VALIGN="top">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></TD>
<TD ALIGN="left" VALIGN="top">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></TD>
<TD ALIGN="left" VALIGN="top">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) </TD></TR></TABLE>

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<TD WIDTH="10%" VALIGN="top" ALIGN="left"><U>Item&nbsp;2.02</U></TD>
<TD ALIGN="left" VALIGN="top"><U></U><U>Results of Operations and Financial Condition</U> </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:10%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">On
October&nbsp;22, 2013, Synovus Financial Corp. (the &#147;Company&#148;) issued a press release announcing the Company&#146;s financial results for the three and nine month periods ended September&nbsp;30, 2013. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:10%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Pursuant to General Instruction F to Current Report on Form 8-K, the press release is attached to this Current Report as
<U>Exhibit 99.1</U> and only those portions of the press release related to the historical results of operations of the Company for the three and nine months ended September&nbsp;30, 2013 are incorporated into this Item&nbsp;2.02 by reference. The
information contained in this Item&nbsp;2.02, including the information set forth in the press release filed as <U>Exhibit 99.1</U> to, and incorporated in, this Current Report is being &#147;furnished&#148; and shall not be deemed &#147;filed&#148;
for the purposes of Section&nbsp;18 of the Securities Exchange Act of 1934, as amended (the &#147;Exchange Act&#148;), or otherwise subject to the liabilities of that Section. The information in <U>Exhibit 99.1</U> furnished pursuant to this
Item&nbsp;2.02 shall not be incorporated by reference into any registration statement or other documents pursuant to the Securities Act of 1933, as amended (the &#147;Securities Act&#148;), or into any filing or other document pursuant to the
Exchange Act except as otherwise expressly stated in any such filing. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="10%" VALIGN="top" ALIGN="left"><U>Item&nbsp;7.01</U></TD>
<TD ALIGN="left" VALIGN="top"><U>R</U><U>egulation FD Disclosure</U> </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:10%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">On October&nbsp;22, 2013, the Company
made available the supplemental information (the &#147;Supplemental Information&#148;) and slide presentation (&#147;Slide Presentation&#148;) prepared for use with the press release. The investor call and webcast will be held at 8:30 a.m., ET, on
October&nbsp;22, 2013. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:10%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Pursuant to General Instruction F to Current Report on Form 8-K, the Supplemental Information and
the Slide Presentation are attached to this Current Report as <U>Exhibits 99.2</U> and <U>Exhibit 99.3</U>, respectively, and incorporated into this Item&nbsp;7.01 by reference. The information contained in this Item&nbsp;7.01, including the
information set forth in the Supplemental Information and Slide Presentation filed as <U>Exhibit 99.2</U> and <U>Exhibit 99.3</U> to, and incorporated in, this Current Report, is being &#147;furnished&#148; and shall not be deemed &#147;filed&#148;
for the purposes of Section&nbsp;18 of the Exchange Act or otherwise subject to the liabilities of that Section. The information in <U>Exhibit 99.2</U> and <U>Exhibit 99.3</U> furnished pursuant to this Item&nbsp;7.01 shall not be incorporated by
reference into any registration statement or other documents pursuant to the Securities Act or into any filing or other document pursuant to the Exchange Act except as otherwise expressly stated in any such filing. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>


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<TD WIDTH="10%" VALIGN="top" ALIGN="left"><U>Item&nbsp;9.01</U></TD>
<TD ALIGN="left" VALIGN="top"><U>Financial Statements and Exhibits</U> </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="10%">&nbsp;</TD>
<TD WIDTH="16%" VALIGN="top" ALIGN="left">(d)</TD>
<TD ALIGN="left" VALIGN="top">Exhibits </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="10%">&nbsp;</TD>
<TD WIDTH="16%" VALIGN="top" ALIGN="left"><U>Exhibit&nbsp;No.</U></TD>
<TD ALIGN="left" VALIGN="top"><U>Description</U> </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="10%">&nbsp;</TD>
<TD WIDTH="16%" VALIGN="top" ALIGN="left">99.1</TD>
<TD ALIGN="left" VALIGN="top">Synovus press release dated October&nbsp;22, 2013 </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="10%">&nbsp;</TD>
<TD WIDTH="16%" VALIGN="top" ALIGN="left">99.2</TD>
<TD ALIGN="left" VALIGN="top">Supplemental Information prepared for use with the press release </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="10%">&nbsp;</TD>
<TD WIDTH="16%" VALIGN="top" ALIGN="left">99.3</TD>
<TD ALIGN="left" VALIGN="top">Slide presentation prepared for use with the press release </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Signature </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, Synovus has caused this report to be signed on its behalf by
the undersigned hereunto duly authorized. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top" COLSPAN="3" NOWRAP>SYNOVUS&nbsp;FINANCIAL&nbsp;CORP.</TD></TR>
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<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="3" NOWRAP> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(&#147;Synovus&#148;)</P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:1pt">&nbsp;</P></TD></TR>
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<TD VALIGN="top" NOWRAP>Dated: <U>&nbsp;&nbsp;October 22, 2013</U></TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP>By:</TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP><U>/s/Samuel&nbsp;F.&nbsp;Hatcher&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP>&nbsp;&nbsp;&nbsp;&nbsp;Samuel&nbsp;F.&nbsp;Hatcher</TD></TR>
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<TD VALIGN="bottom"><FONT STYLE="font-size:8pt">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
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<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;Executive&nbsp;Vice&nbsp;President,</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;General&nbsp;Counsel&nbsp;and&nbsp;Secretary</P></TD></TR>
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FORM 8-K
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 22, 2013
Date of Report
(Date of
Earliest Event Reported)
Synovus Financial Corp.
(Exact Name of Registrant as Specified in its Charter)
Georgia
(State of Incorporation)
1-10312
(Commission File Number)
58-1134883
(IRS Employer Identification No.)
1111 Bay Avenue, Suite 500, Columbus, Georgia 31901
(Address of principal executive offices) (Zip Code)
(706) 649-2311
(Registrant's telephone number, including area
code)
(Former name or
former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously
satisfy the filing obligation of the registrant under any of the following provisions:
¨
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
¨
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
¨
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
¨
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Item 2.02
Results of Operations and Financial Condition
On
October 22, 2013, Synovus Financial Corp. (the "Company") issued a press release announcing the Company's financial results for the three and nine month periods ended September 30, 2013.
Pursuant to General Instruction F to Current Report on Form 8-K, the press release is attached to this Current Report as
Exhibit 99.1
and only those portions of the press release related to the historical results of operations of the Company for the three and nine months ended September 30, 2013 are incorporated into this Item 2.02 by reference. The
information contained in this Item 2.02, including the information set forth in the press release filed as
Exhibit 99.1
to, and incorporated in, this Current Report is being "furnished" and shall not be deemed "filed"
for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that Section. The information in
Exhibit 99.1
furnished pursuant to this
Item 2.02 shall not be incorporated by reference into any registration statement or other documents pursuant to the Securities Act of 1933, as amended (the "Securities Act"), or into any filing or other document pursuant to the
Exchange Act except as otherwise expressly stated in any such filing.
Item 7.01
R
egulation FD Disclosure
On October 22, 2013, the Company
made available the supplemental information (the "Supplemental Information") and slide presentation ("Slide Presentation") prepared for use with the press release. The investor call and webcast will be held at 8:30 a.m., ET, on
October 22, 2013.
Pursuant to General Instruction F to Current Report on Form 8-K, the Supplemental Information and
the Slide Presentation are attached to this Current Report as
Exhibits 99.2
and
Exhibit 99.3
, respectively, and incorporated into this Item 7.01 by reference. The information contained in this Item 7.01, including the
information set forth in the Supplemental Information and Slide Presentation filed as
Exhibit 99.2
and
Exhibit 99.3
to, and incorporated in, this Current Report, is being "furnished" and shall not be deemed "filed"
for the purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities of that Section. The information in
Exhibit 99.2
and
Exhibit 99.3
furnished pursuant to this Item 7.01 shall not be incorporated by
reference into any registration statement or other documents pursuant to the Securities Act or into any filing or other document pursuant to the Exchange Act except as otherwise expressly stated in any such filing.
2
Item 9.01
Financial Statements and Exhibits
(d)
Exhibits
Exhibit No.
Description
99.1
Synovus press release dated October 22, 2013
99.2
Supplemental Information prepared for use with the press release
99.3
Slide presentation prepared for use with the press release
3
Signature
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, Synovus has caused this report to be signed on its behalf by
the undersigned hereunto duly authorized.
SYNOVUS FINANCIAL CORP.
("Synovus")
Dated:
October 22, 2013
By:
/s/Samuel F. Hatcher
Samuel F. Hatcher
Executive Vice President,
General Counsel and Secretary
4