    <SEC-DOCUMENT>0000018349-25-000059-index.html : 20250312
    <SEC-HEADER>0000018349-25-000059.hdr.sgml : 20250312
    <ACCEPTANCE-DATETIME>20250312161702
    ACCESSION NUMBER:		0000018349-25-000059
    CONFORMED SUBMISSION TYPE:	ARS
    PUBLIC DOCUMENT COUNT:		137
    CONFORMED PERIOD OF REPORT:	20241231
    FILED AS OF DATE:		20250312
    DATE AS OF CHANGE:		20250312
    EFFECTIVENESS DATE:		20250312

    FILER:

    	COMPANY DATA:
    		COMPANY CONFORMED NAME:			SYNOVUS FINANCIAL CORP
    		CENTRAL INDEX KEY:			0000018349
    		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
    		ORGANIZATION NAME:           	02 Finance
    		IRS NUMBER:				581134883
    		STATE OF INCORPORATION:			X1
    		FISCAL YEAR END:			1231

    	FILING VALUES:
    		FORM TYPE:		ARS
    		SEC ACT:		1934 Act
    		SEC FILE NUMBER:	001-10312
    		FILM NUMBER:		25731981

    	BUSINESS ADDRESS:
    		STREET 1:		33 W 14TH STREET
    		CITY:			COLUMBUS
    		STATE:			GA
    		ZIP:			31901
    		BUSINESS PHONE:		7066416500

    	MAIL ADDRESS:
    		STREET 1:		33 W 14TH STREET
    		CITY:			COLUMBUS
    		STATE:			GA
    		ZIP:			31901

    	FORMER COMPANY:
    		FORMER CONFORMED NAME:	CB&T BANCSHARES INC
    		DATE OF NAME CHANGE:	19890912
    </SEC-HEADER>
    <DOCUMENT>
    <TYPE>ARS
    <SEQUENCE>1
    <FILENAME>a2024annualreport-glossy.htm
    <DESCRIPTION>ARS
    <TEXT>
    Document 1 - file: a2024annualreport-glossy.htm

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>2
    <FILENAME>a2024annualreport-glossy001.jpg
    <TEXT>
    Document 2 - file: a2024annualreport-glossy001.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>3
    <FILENAME>a2024annualreport-glossy002.jpg
    <TEXT>
    Document 3 - file: a2024annualreport-glossy002.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>4
    <FILENAME>a2024annualreport-glossy003.jpg
    <TEXT>
    Document 4 - file: a2024annualreport-glossy003.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>5
    <FILENAME>a2024annualreport-glossy004.jpg
    <TEXT>
    Document 5 - file: a2024annualreport-glossy004.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>6
    <FILENAME>a2024annualreport-glossy005.jpg
    <TEXT>
    Document 6 - file: a2024annualreport-glossy005.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>7
    <FILENAME>a2024annualreport-glossy006.jpg
    <TEXT>
    Document 7 - file: a2024annualreport-glossy006.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>8
    <FILENAME>a2024annualreport-glossy007.jpg
    <TEXT>
    Document 8 - file: a2024annualreport-glossy007.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>9
    <FILENAME>a2024annualreport-glossy008.jpg
    <TEXT>
    Document 9 - file: a2024annualreport-glossy008.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>10
    <FILENAME>a2024annualreport-glossy009.jpg
    <TEXT>
    Document 10 - file: a2024annualreport-glossy009.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>11
    <FILENAME>a2024annualreport-glossy010.jpg
    <TEXT>
    Document 11 - file: a2024annualreport-glossy010.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>12
    <FILENAME>a2024annualreport-glossy011.jpg
    <TEXT>
    Document 12 - file: a2024annualreport-glossy011.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>13
    <FILENAME>a2024annualreport-glossy012.jpg
    <TEXT>
    Document 13 - file: a2024annualreport-glossy012.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>14
    <FILENAME>a2024annualreport-glossy013.jpg
    <TEXT>
    Document 14 - file: a2024annualreport-glossy013.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>15
    <FILENAME>a2024annualreport-glossy014.jpg
    <TEXT>
    Document 15 - file: a2024annualreport-glossy014.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>16
    <FILENAME>a2024annualreport-glossy015.jpg
    <TEXT>
    Document 16 - file: a2024annualreport-glossy015.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>17
    <FILENAME>a2024annualreport-glossy016.jpg
    <TEXT>
    Document 17 - file: a2024annualreport-glossy016.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>18
    <FILENAME>a2024annualreport-glossy017.jpg
    <TEXT>
    Document 18 - file: a2024annualreport-glossy017.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>19
    <FILENAME>a2024annualreport-glossy018.jpg
    <TEXT>
    Document 19 - file: a2024annualreport-glossy018.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>20
    <FILENAME>a2024annualreport-glossy019.jpg
    <TEXT>
    Document 20 - file: a2024annualreport-glossy019.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>21
    <FILENAME>a2024annualreport-glossy020.jpg
    <TEXT>
    Document 21 - file: a2024annualreport-glossy020.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>22
    <FILENAME>a2024annualreport-glossy021.jpg
    <TEXT>
    Document 22 - file: a2024annualreport-glossy021.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>23
    <FILENAME>a2024annualreport-glossy022.jpg
    <TEXT>
    Document 23 - file: a2024annualreport-glossy022.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>24
    <FILENAME>a2024annualreport-glossy023.jpg
    <TEXT>
    Document 24 - file: a2024annualreport-glossy023.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>25
    <FILENAME>a2024annualreport-glossy024.jpg
    <TEXT>
    Document 25 - file: a2024annualreport-glossy024.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>26
    <FILENAME>a2024annualreport-glossy025.jpg
    <TEXT>
    Document 26 - file: a2024annualreport-glossy025.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>27
    <FILENAME>a2024annualreport-glossy026.jpg
    <TEXT>
    Document 27 - file: a2024annualreport-glossy026.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>28
    <FILENAME>a2024annualreport-glossy027.jpg
    <TEXT>
    Document 28 - file: a2024annualreport-glossy027.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>29
    <FILENAME>a2024annualreport-glossy028.jpg
    <TEXT>
    Document 29 - file: a2024annualreport-glossy028.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>30
    <FILENAME>a2024annualreport-glossy029.jpg
    <TEXT>
    Document 30 - file: a2024annualreport-glossy029.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>31
    <FILENAME>a2024annualreport-glossy030.jpg
    <TEXT>
    Document 31 - file: a2024annualreport-glossy030.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>32
    <FILENAME>a2024annualreport-glossy031.jpg
    <TEXT>
    Document 32 - file: a2024annualreport-glossy031.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>33
    <FILENAME>a2024annualreport-glossy032.jpg
    <TEXT>
    Document 33 - file: a2024annualreport-glossy032.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>34
    <FILENAME>a2024annualreport-glossy033.jpg
    <TEXT>
    Document 34 - file: a2024annualreport-glossy033.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>35
    <FILENAME>a2024annualreport-glossy034.jpg
    <TEXT>
    Document 35 - file: a2024annualreport-glossy034.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>36
    <FILENAME>a2024annualreport-glossy035.jpg
    <TEXT>
    Document 36 - file: a2024annualreport-glossy035.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>37
    <FILENAME>a2024annualreport-glossy036.jpg
    <TEXT>
    Document 37 - file: a2024annualreport-glossy036.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>38
    <FILENAME>a2024annualreport-glossy037.jpg
    <TEXT>
    Document 38 - file: a2024annualreport-glossy037.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>39
    <FILENAME>a2024annualreport-glossy038.jpg
    <TEXT>
    Document 39 - file: a2024annualreport-glossy038.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>40
    <FILENAME>a2024annualreport-glossy039.jpg
    <TEXT>
    Document 40 - file: a2024annualreport-glossy039.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>41
    <FILENAME>a2024annualreport-glossy040.jpg
    <TEXT>
    Document 41 - file: a2024annualreport-glossy040.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>42
    <FILENAME>a2024annualreport-glossy041.jpg
    <TEXT>
    Document 42 - file: a2024annualreport-glossy041.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>43
    <FILENAME>a2024annualreport-glossy042.jpg
    <TEXT>
    Document 43 - file: a2024annualreport-glossy042.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>44
    <FILENAME>a2024annualreport-glossy043.jpg
    <TEXT>
    Document 44 - file: a2024annualreport-glossy043.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>45
    <FILENAME>a2024annualreport-glossy044.jpg
    <TEXT>
    Document 45 - file: a2024annualreport-glossy044.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>46
    <FILENAME>a2024annualreport-glossy045.jpg
    <TEXT>
    Document 46 - file: a2024annualreport-glossy045.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>47
    <FILENAME>a2024annualreport-glossy046.jpg
    <TEXT>
    Document 47 - file: a2024annualreport-glossy046.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>48
    <FILENAME>a2024annualreport-glossy047.jpg
    <TEXT>
    Document 48 - file: a2024annualreport-glossy047.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>49
    <FILENAME>a2024annualreport-glossy048.jpg
    <TEXT>
    Document 49 - file: a2024annualreport-glossy048.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>50
    <FILENAME>a2024annualreport-glossy049.jpg
    <TEXT>
    Document 50 - file: a2024annualreport-glossy049.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>51
    <FILENAME>a2024annualreport-glossy050.jpg
    <TEXT>
    Document 51 - file: a2024annualreport-glossy050.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>52
    <FILENAME>a2024annualreport-glossy051.jpg
    <TEXT>
    Document 52 - file: a2024annualreport-glossy051.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>53
    <FILENAME>a2024annualreport-glossy052.jpg
    <TEXT>
    Document 53 - file: a2024annualreport-glossy052.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>54
    <FILENAME>a2024annualreport-glossy053.jpg
    <TEXT>
    Document 54 - file: a2024annualreport-glossy053.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>55
    <FILENAME>a2024annualreport-glossy054.jpg
    <TEXT>
    Document 55 - file: a2024annualreport-glossy054.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>56
    <FILENAME>a2024annualreport-glossy055.jpg
    <TEXT>
    Document 56 - file: a2024annualreport-glossy055.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>57
    <FILENAME>a2024annualreport-glossy056.jpg
    <TEXT>
    Document 57 - file: a2024annualreport-glossy056.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>58
    <FILENAME>a2024annualreport-glossy057.jpg
    <TEXT>
    Document 58 - file: a2024annualreport-glossy057.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>59
    <FILENAME>a2024annualreport-glossy058.jpg
    <TEXT>
    Document 59 - file: a2024annualreport-glossy058.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>60
    <FILENAME>a2024annualreport-glossy059.jpg
    <TEXT>
    Document 60 - file: a2024annualreport-glossy059.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>61
    <FILENAME>a2024annualreport-glossy060.jpg
    <TEXT>
    Document 61 - file: a2024annualreport-glossy060.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>62
    <FILENAME>a2024annualreport-glossy061.jpg
    <TEXT>
    Document 62 - file: a2024annualreport-glossy061.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>63
    <FILENAME>a2024annualreport-glossy062.jpg
    <TEXT>
    Document 63 - file: a2024annualreport-glossy062.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>64
    <FILENAME>a2024annualreport-glossy063.jpg
    <TEXT>
    Document 64 - file: a2024annualreport-glossy063.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>65
    <FILENAME>a2024annualreport-glossy064.jpg
    <TEXT>
    Document 65 - file: a2024annualreport-glossy064.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>66
    <FILENAME>a2024annualreport-glossy065.jpg
    <TEXT>
    Document 66 - file: a2024annualreport-glossy065.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>67
    <FILENAME>a2024annualreport-glossy066.jpg
    <TEXT>
    Document 67 - file: a2024annualreport-glossy066.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>68
    <FILENAME>a2024annualreport-glossy067.jpg
    <TEXT>
    Document 68 - file: a2024annualreport-glossy067.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>69
    <FILENAME>a2024annualreport-glossy068.jpg
    <TEXT>
    Document 69 - file: a2024annualreport-glossy068.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>70
    <FILENAME>a2024annualreport-glossy069.jpg
    <TEXT>
    Document 70 - file: a2024annualreport-glossy069.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>71
    <FILENAME>a2024annualreport-glossy070.jpg
    <TEXT>
    Document 71 - file: a2024annualreport-glossy070.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>72
    <FILENAME>a2024annualreport-glossy071.jpg
    <TEXT>
    Document 72 - file: a2024annualreport-glossy071.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>73
    <FILENAME>a2024annualreport-glossy072.jpg
    <TEXT>
    Document 73 - file: a2024annualreport-glossy072.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>74
    <FILENAME>a2024annualreport-glossy073.jpg
    <TEXT>
    Document 74 - file: a2024annualreport-glossy073.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>75
    <FILENAME>a2024annualreport-glossy074.jpg
    <TEXT>
    Document 75 - file: a2024annualreport-glossy074.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>76
    <FILENAME>a2024annualreport-glossy075.jpg
    <TEXT>
    Document 76 - file: a2024annualreport-glossy075.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>77
    <FILENAME>a2024annualreport-glossy076.jpg
    <TEXT>
    Document 77 - file: a2024annualreport-glossy076.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>78
    <FILENAME>a2024annualreport-glossy077.jpg
    <TEXT>
    Document 78 - file: a2024annualreport-glossy077.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>79
    <FILENAME>a2024annualreport-glossy078.jpg
    <TEXT>
    Document 79 - file: a2024annualreport-glossy078.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>80
    <FILENAME>a2024annualreport-glossy079.jpg
    <TEXT>
    Document 80 - file: a2024annualreport-glossy079.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>81
    <FILENAME>a2024annualreport-glossy080.jpg
    <TEXT>
    Document 81 - file: a2024annualreport-glossy080.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>82
    <FILENAME>a2024annualreport-glossy081.jpg
    <TEXT>
    Document 82 - file: a2024annualreport-glossy081.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>83
    <FILENAME>a2024annualreport-glossy082.jpg
    <TEXT>
    Document 83 - file: a2024annualreport-glossy082.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>84
    <FILENAME>a2024annualreport-glossy083.jpg
    <TEXT>
    Document 84 - file: a2024annualreport-glossy083.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>85
    <FILENAME>a2024annualreport-glossy084.jpg
    <TEXT>
    Document 85 - file: a2024annualreport-glossy084.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>86
    <FILENAME>a2024annualreport-glossy085.jpg
    <TEXT>
    Document 86 - file: a2024annualreport-glossy085.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>87
    <FILENAME>a2024annualreport-glossy086.jpg
    <TEXT>
    Document 87 - file: a2024annualreport-glossy086.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>88
    <FILENAME>a2024annualreport-glossy087.jpg
    <TEXT>
    Document 88 - file: a2024annualreport-glossy087.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>89
    <FILENAME>a2024annualreport-glossy088.jpg
    <TEXT>
    Document 89 - file: a2024annualreport-glossy088.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>90
    <FILENAME>a2024annualreport-glossy089.jpg
    <TEXT>
    Document 90 - file: a2024annualreport-glossy089.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>91
    <FILENAME>a2024annualreport-glossy090.jpg
    <TEXT>
    Document 91 - file: a2024annualreport-glossy090.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>92
    <FILENAME>a2024annualreport-glossy091.jpg
    <TEXT>
    Document 92 - file: a2024annualreport-glossy091.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>93
    <FILENAME>a2024annualreport-glossy092.jpg
    <TEXT>
    Document 93 - file: a2024annualreport-glossy092.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>94
    <FILENAME>a2024annualreport-glossy093.jpg
    <TEXT>
    Document 94 - file: a2024annualreport-glossy093.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>95
    <FILENAME>a2024annualreport-glossy094.jpg
    <TEXT>
    Document 95 - file: a2024annualreport-glossy094.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>96
    <FILENAME>a2024annualreport-glossy095.jpg
    <TEXT>
    Document 96 - file: a2024annualreport-glossy095.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>97
    <FILENAME>a2024annualreport-glossy096.jpg
    <TEXT>
    Document 97 - file: a2024annualreport-glossy096.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>98
    <FILENAME>a2024annualreport-glossy097.jpg
    <TEXT>
    Document 98 - file: a2024annualreport-glossy097.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>99
    <FILENAME>a2024annualreport-glossy098.jpg
    <TEXT>
    Document 99 - file: a2024annualreport-glossy098.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>100
    <FILENAME>a2024annualreport-glossy099.jpg
    <TEXT>
    Document 100 - file: a2024annualreport-glossy099.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>101
    <FILENAME>a2024annualreport-glossy100.jpg
    <TEXT>
    Document 101 - file: a2024annualreport-glossy100.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>102
    <FILENAME>a2024annualreport-glossy101.jpg
    <TEXT>
    Document 102 - file: a2024annualreport-glossy101.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>103
    <FILENAME>a2024annualreport-glossy102.jpg
    <TEXT>
    Document 103 - file: a2024annualreport-glossy102.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>104
    <FILENAME>a2024annualreport-glossy103.jpg
    <TEXT>
    Document 104 - file: a2024annualreport-glossy103.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>105
    <FILENAME>a2024annualreport-glossy104.jpg
    <TEXT>
    Document 105 - file: a2024annualreport-glossy104.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>106
    <FILENAME>a2024annualreport-glossy105.jpg
    <TEXT>
    Document 106 - file: a2024annualreport-glossy105.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>107
    <FILENAME>a2024annualreport-glossy106.jpg
    <TEXT>
    Document 107 - file: a2024annualreport-glossy106.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>108
    <FILENAME>a2024annualreport-glossy107.jpg
    <TEXT>
    Document 108 - file: a2024annualreport-glossy107.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>109
    <FILENAME>a2024annualreport-glossy108.jpg
    <TEXT>
    Document 109 - file: a2024annualreport-glossy108.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>110
    <FILENAME>a2024annualreport-glossy109.jpg
    <TEXT>
    Document 110 - file: a2024annualreport-glossy109.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>111
    <FILENAME>a2024annualreport-glossy110.jpg
    <TEXT>
    Document 111 - file: a2024annualreport-glossy110.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>112
    <FILENAME>a2024annualreport-glossy111.jpg
    <TEXT>
    Document 112 - file: a2024annualreport-glossy111.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>113
    <FILENAME>a2024annualreport-glossy112.jpg
    <TEXT>
    Document 113 - file: a2024annualreport-glossy112.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>114
    <FILENAME>a2024annualreport-glossy113.jpg
    <TEXT>
    Document 114 - file: a2024annualreport-glossy113.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>115
    <FILENAME>a2024annualreport-glossy114.jpg
    <TEXT>
    Document 115 - file: a2024annualreport-glossy114.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>116
    <FILENAME>a2024annualreport-glossy115.jpg
    <TEXT>
    Document 116 - file: a2024annualreport-glossy115.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>117
    <FILENAME>a2024annualreport-glossy116.jpg
    <TEXT>
    Document 117 - file: a2024annualreport-glossy116.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>118
    <FILENAME>a2024annualreport-glossy117.jpg
    <TEXT>
    Document 118 - file: a2024annualreport-glossy117.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>119
    <FILENAME>a2024annualreport-glossy118.jpg
    <TEXT>
    Document 119 - file: a2024annualreport-glossy118.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>120
    <FILENAME>a2024annualreport-glossy119.jpg
    <TEXT>
    Document 120 - file: a2024annualreport-glossy119.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>121
    <FILENAME>a2024annualreport-glossy120.jpg
    <TEXT>
    Document 121 - file: a2024annualreport-glossy120.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>122
    <FILENAME>a2024annualreport-glossy121.jpg
    <TEXT>
    Document 122 - file: a2024annualreport-glossy121.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>123
    <FILENAME>a2024annualreport-glossy122.jpg
    <TEXT>
    Document 123 - file: a2024annualreport-glossy122.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>124
    <FILENAME>a2024annualreport-glossy123.jpg
    <TEXT>
    Document 124 - file: a2024annualreport-glossy123.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>125
    <FILENAME>a2024annualreport-glossy124.jpg
    <TEXT>
    Document 125 - file: a2024annualreport-glossy124.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>126
    <FILENAME>a2024annualreport-glossy125.jpg
    <TEXT>
    Document 126 - file: a2024annualreport-glossy125.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>127
    <FILENAME>a2024annualreport-glossy126.jpg
    <TEXT>
    Document 127 - file: a2024annualreport-glossy126.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>128
    <FILENAME>a2024annualreport-glossy127.jpg
    <TEXT>
    Document 128 - file: a2024annualreport-glossy127.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>129
    <FILENAME>a2024annualreport-glossy128.jpg
    <TEXT>
    Document 129 - file: a2024annualreport-glossy128.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>130
    <FILENAME>a2024annualreport-glossy129.jpg
    <TEXT>
    Document 130 - file: a2024annualreport-glossy129.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>131
    <FILENAME>a2024annualreport-glossy130.jpg
    <TEXT>
    Document 131 - file: a2024annualreport-glossy130.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>132
    <FILENAME>a2024annualreport-glossy131.jpg
    <TEXT>
    Document 132 - file: a2024annualreport-glossy131.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>133
    <FILENAME>a2024annualreport-glossy132.jpg
    <TEXT>
    Document 133 - file: a2024annualreport-glossy132.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>134
    <FILENAME>a2024annualreport-glossy133.jpg
    <TEXT>
    Document 134 - file: a2024annualreport-glossy133.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>135
    <FILENAME>a2024annualreport-glossy134.jpg
    <TEXT>
    Document 135 - file: a2024annualreport-glossy134.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>136
    <FILENAME>a2024annualreport-glossy135.jpg
    <TEXT>
    Document 136 - file: a2024annualreport-glossy135.jpg

    </DOCUMENT>
    <DOCUMENT>
    <TYPE>GRAPHIC
    <SEQUENCE>137
    <FILENAME>a2024annualreport-glossy136.jpg
    <TEXT>
    Document 137 - file: a2024annualreport-glossy136.jpg

    </DOCUMENT>
    </SEC-DOCUMENT>