18349--2/29/2008--SYNOVUS_FINANCIAL

related topics

{loan, real, estate}

{regulation, change, law}

{financial, litigation, operation}

{product, market, service}

{condition, economic, financial}

{acquisition, growth, future}

{regulation, government, change}

{debt, indebtedness, cash}

{system, service, information}

{capital, credit, financial}

{cost, regulation, environmental}

The strength of the U.S. economy in general and the strength of the local economies in which we operate may be different than expected, and we may not be able to successfully manage any impact from slowing economic conditions or a weak real estate market. Deteriorating credit quality, particularly in residential construction and development loans, has adversely impacted us and may continue to adversely impact us. Recently declining values of residential real estate may increase our credit losses, which would negatively affect our financial results. The trade, monetary and fiscal policies and laws of the federal government and its agencies, including interest rate policies of the Federal Reserve Board, significantly affect our earnings. Maintaining or increasing market share depends on the timely development of and acceptance of new products and services and perceived overall value of these products and services by users. We must respond to rapid technological changes and these changes may be more difficult or expensive than anticipated. We have pursued a strategy of acquiring banks and financial services companies and these acquisitions may be more difficult to integrate than anticipated. Fluctuations in our expenses and other costs may hurt our financial results. We are heavily regulated by federal and state agencies, and changes in laws and regulations may affect our financial outlook. Changes in accounting policies and practices, as may be adopted by the regulatory agencies, the Financial Accounting Standards Board, or other authoritative bodies, could materially impact our financial statements. The costs and effects of litigation, investigations or similar matters, or adverse facts and developments related thereto, could materially affect our business, operating results and financial condition We may experience increased delinquencies and credit losses. Our financial condition and outlook may be adversely affected by damage to our reputation. Our access to funds from our subsidiaries may become limited, thereby restricting our ability to make payments on our obligations or dividend payments. Changes in the cost and availability of funding due to changes in the deposit market and credit market, or the way in which we are perceived in such markets, may adversely affect financial results. We rely on our systems and employees and certain failures could materially adversely affect our operations.

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18349--2/29/2008--SYNOVUS_FINANCIAL_CORP