Synovus Financial Corporation ( NYSE: SNV ) Q4 2008 Earnings Call January 22, 2008 4:30 PM ET Executives Richard Anthony – Chairman and Chief Executive Officer Fred Green – President and Chief Operating Officer Kevin Howard – Chief Credit Officer Mark Holladay – Executive Vice President, Chief Risk Officer Tommy Prescott – Executive Vice President, Chief Financial Officer Analysts Nancy Bush Tony Davis Adam Barkstrom Kevin Fitzsimmons Christopher Marinac Jennifer Demba Operator Good afternoon ladies and gentlemen and welcome to fourth quarter earnings 2008 conference call. (Operator Instructions) It is now my pleasure to turn the floor over to your host Richard Anthony. Sir, floor is yours. Richard Anthony Thank you very much. I want to welcome each of you to our fourth quarter conference call.