welcome to the new Regions See how we re making banking better

Transcription

1 welcome to the new Regions See how we re making banking better

2 CONTENTS 3 Contents Highlights 5 Highlights of Changes 12 Access Made Easy 18 Everyday Banking at Regions 25 Additional Financial Services 29 Expect more Welcome to the new Regions stronger and better than ever. Here are some of the benefits you can expect from us. (Read through this brochure to find out more.) An easy transition More answers More opportunity New rewards Easier banking More solutions We are committed to helping to make your financial life better now and for many years to come. Regions and AmSouth have joined together and, as of July 13, 2007, will begin to serve you in Alabama and Florida as one bank under the Regions name. On the pages that follow, you ll find a summary of important information about everyday banking at the new Regions. For the terms and conditions, fee schedules and interest rate tiers that will apply to Regions deposit accounts in Alabama and Florida as of July 13, please see the enclosed Consumer Disclosure Booklet.

3 HIGHLIGHTS 5 Highlights MORE BRANCHES AND ATMS The new Regions will combine the banking networks of Regions and AmSouth to bring you more banking locations some 2,000 branches and more than 2,400 ATMs in 16 states. This process will take place state-by-state and will be completed in early See pages 18 and 19 for more information. SAME ACCOUNTS For the vast majority of our customers, account features and benefits will remain the same. See pages 12 through 16 for information about specific accounts. Continue to use your accounts the same way you do today. An easy transition Regions and AmSouth have worked closely together to make our merger as simple as possible for you. Chances are you ll keep the same accounts, account numbers, checks and more. And soon you ll have more benefits available every day with more branches and ATMs, new online banking capabilities and cash back rewards on qualifying CheckCard purchases. Cash back is available only in connection with purchases made from participating retailers. Cash back amounts may vary. Subject to CheckCard Rewards Program Terms and Conditions at the program Web site, available through regions.com or see your banker for details. Other restrictions may apply. SAME DEPOSIT ACCOUNT NUMBERS AND CHECKS Tip: Checking and savings account numbers will remain the same for the great majority of our customers. If you are one of the few customers receiving a new account number, you have already been notified. You can continue to use your current supply of Regions checks and deposit and withdrawal slips for your account until it s time to reorder. When you reorder checks directly from the bank, your new checks will be automatically printed with the new Regions logo. If you order checks and deposit slips from a source other than the bank, please contact your local branch and request a new Regions check specification sheet before you place your next order. Read this section first! It s an overview of the information you need, all in one place.

4 6 HIGHLIGHTS HIGHLIGHTS 7 YOUR CHECKCARD If you have a Regions Visa CheckCard, continue using your current card and Personal Identification Number (PIN). You will receive a new CheckCard with the new Regions logo prior to your card s expiration date. As of July 13, your CheckCard may have slightly different features and benefits than it has today. See page 19 for more details. YOUR ATM CARD If you have a Regions ATM Card, continue using your current card and Personal Identification Number (PIN). See your new card agreement in the enclosed Consumer Disclosure Booklet for information about the terms and conditions that will apply to the use of your ATM Card as of July 13, Be sure to note the new contact information for reporting a lost or stolen card, or fraudulent or unauthorized use of your card. RECURRING DEPOSITS, PAYMENTS AND TRANSFERS Direct deposit of payroll, government or other recurring deposits to your account will continue without interruption. Recurring payments and transfers will continue as before, with no change to your current arrangements, except for certain CD, Time Deposit and IRA interest payments. For more information on these, please see page 8. ONLINE BANKING AND BILL PAY Continue to enjoy convenient online access to your accounts along with many new enhancements. See page 21 for more information. REGIONS.COM Discover a world of information right at your fingertips at our newly designed and enhanced Web site, regions.com. Learn more about the many financial tools and options available to you at Regions, find the nearest ATMs and branches, calculate how much mortgage you can afford and more. YOUR REGIONS CREDIT CARD If you have not already received a new credit card with the new Regions logo, you will be sent a replacement shortly before your current card s expiration date. Until then, continue to use your existing credit card. New! Link a Regions credit card to your Regions checking account for overdraft protection. For your convenience, you will now also be able to make your credit card payments at the branch. The credit card program is issued and administered by FIA Card Services, N.A. Tip: Reward yourself now! Remember: If you still have VISA EXTRAS points, you may redeem these any time before June 30, You ve been automatically enrolled in the CheckCard Rewards program.

5 8 HIGHLIGHTS HIGHLIGHTS 9 TIME DEPOSITS, CERTIFICATES OF DEPOSIT (CDs) AND IRAs These accounts will continue with the same interest rate and term until maturity. Interest will continue to be credited on the same schedule as today. If you currently have interest credited back to your Time Deposit, CD or IRA, or automatically deposited into a Regions checking or savings account opened in the same state or sent directly to you by check, there will be no changes. If you currently have interest payments transferred to another financial institution or to a Regions account in another state, a check will be sent directly to you, or you can instruct us to have interest transferred to a Regions account in the same state. At maturity, Time Deposits and CDs, including CDs in IRAs, will automatically renew for the same term at the interest rate in effect at that time, unless funds are withdrawn at maturity. For your convenience, in addition to your Pre-Renewal Notice, you will also now receive a Renewal Confirmation Notice shortly after renewal with the new interest rate for your account. IRAs with a customer-designated distribution schedule will have funds distributed from the account earning the lowest interest rate once the balance in the first account reaches zero. This will allow your other IRAs to continue to earn interest at a higher rate. For more information about specific types of Time Deposits, CDs and IRAs, see page 16. OVERDRAFT PROTECTION This valuable service will continue. Plus there will now be more options for overdraft protection. These will include linking your checking account to a Regions: Savings account Money market account Credit card* Personal line of credit* See page 20 for more information. CONSUMER LOANS These accounts will continue with the same terms and conditions. If you use a loan coupon book to make your payments, please continue to use your existing coupon book. Your statement will have an updated look and design. You will also have a new payment address which will be shown on your new statement. Automatic payments will continue. Some Regions closed-end loan customers will receive a new account number. This number will appear on the first statement sent as of July 13. If you have credit insurance or debt protection on your account, this coverage will continue with the same benefits, rates and terms. LINES OF CREDIT These accounts will continue with the same terms and conditions. Your statement will have an updated look and design. You will also have a new payment address which will be shown on your new statement. Automatic payments will continue. If you have line of credit access checks, you can continue using these to access your line. The next time you order checks, you will receive checks with the new Regions logo. If you have credit insurance or debt protection on your account, this coverage will continue with the same benefits, rates and terms. *Subject to credit approval. The credit card program is issued and administered by FIA Card Services, N.A.

6 10 HIGHLIGHTS SAFE DEPOSIT BOXES Your safe deposit box number will remain the same, and you will continue to use the same keys to access your box, unless you have already been notified otherwise. Your box rental will continue under the terms of your current rental agreement. As of July 13, your safe deposit box billing notice will have a new look and format. Any changes to your rental rate or discounts will be reflected on your annual safe deposit box rental notice. DEPOSIT ACCOUNT STATEMENTS Your statement will arrive about the same time of the month. You will receive two statements for the month of July during our transition to the new Regions. Your statements will feature an improved, easy-to-read format with the new Regions logo. See page 23 for more information. INACTIVE ACCOUNTS Any checking or money market account (except Free Checking and Free Interest Checking accounts) that has had no customer-initiated activity for a period of 90 days will receive statements on a quarterly basis. Monthly statements will be sent with any subsequent customer-initiated activity. Free Checking and Free Interest Checking accounts that have had no customer-initiated activity for a period of 90 days may be converted to a Check-for-Less account. Please see the enclosed Consumer Disclosure Booklet for more information. YOUR MAILING ADDRESS Beginning July 13, Regions statements, interest checks and correspondence will be mailed only to the current, primary address on your account. Duplicate statements if you should continue to need multiple statements, you can enroll in online banking at regions.com to receive statements online. This way you can print out multiple copies as needed. Seasonal and alternate addresses please contact your branch to have bank documents mailed to a different address. YOUR NEW CONSUMER DISCLOSURE BOOKLET For the terms and conditions, fee schedules and interest rate tiers that will apply to Regions deposit accounts in Alabama and Florida as of July 13, 2007, please see the enclosed Consumer Disclosure Booklet.

7 12 HIGHLIGHTS HIGHLIGHTS 13 Highlights of Changes There will be few changes to existing accounts. Here is a brief summary of changes that will apply to certain Regions accounts in Alabama and Florida as of July 13, If your account is not listed below, the features and benefits of your account will remain the same. Please see the enclosed Consumer Disclosure Booklet for additional information as well as the terms and conditions, pricing schedules and interest rate tiers that will apply. CHECKING Regions Free Checking Regions Preferred Plus Banking Regions Excel Regions Personal Checking Regions First Priority Management Features A variety of new overdraft protection funding accounts will now be available. There will be an overdraft protection fee of $10 per transfer from a Regions savings account. Make two transactions per statement cycle at other banks ATMs with no Regions ATM transaction fee. New ways to avoid the monthly fee by including balances from more of your other Regions accounts. Continue to earn higher interest rates for higher balances. New interest rate tiers will apply. New name: 50+ Free Checking Continue to enjoy many of the same features and benefits you receive today. New name: Primary Checking Two ways to avoid the monthly fee by maintaining a minimum daily balance or average monthly balance. You are being contacted separately about this account. Tip: CHECKING Regions Management and Regions Management Sweep Regions Second Century Banking Regions MORLinked Checking Features Continue to enjoy many of the same features and benefits you do today. If the balance in your Management falls to or below $0, available funds in your Management Sweep will be transferred to your Management to bring your balance back to $2,500. Statements for these two accounts will continue to be mailed on the same day but will be mailed in separate envelopes. New name: Regions Checking There will be a $12 monthly fee for this account. Accidental Death and Dismemberment insurance will be discontinued as of 12:01 am CT on July 13, New! CheckCard and RegionsNet Online Banking and Bill Pay will now be free of any monthly fee. If your account is changing in any way, you are being contacted separately. How to save on overdraft fees. Now there will be a tiered schedule for non-sufficient funds (NSF) fees designed to reward customers who do not often overdraw their accounts. Here s an example: the longer you go without overdrawing your account, the less you may pay if an overdraft does occur. See the enclosed Consumer Disclosure Booklet for details.

8 14 HIGHLIGHTS HIGHLIGHTS 15 MONEY MARKET SAVINGS Features Features All Regions Money Market s Regions Relationship Money Market Regions Relationship Money Market Sweep Regions Money Market Interest will be compounded daily and paid monthly. The Excessive Withdrawal/Item Fee will remain the same but there will be new criteria for assessing this fee. Continue to earn higher interest rates for higher balances. New interest rate tiers will apply. New name: MORLinked Money Market Sweep Continue to enjoy the same features and benefits you do today. Interest will now be paid on all balances, with higher interest rates for higher balances. New interest rate tiers will apply. Regions Monthly Savings and Regions ATS Savings Regions Regular Savings Regions Junior Banker and Minor Savings New name: Savings No monthly fee with a minimum daily balance of $300. Otherwise, $4 monthly fee. The Excessive Withdrawal/Item Fee will be $3 for each withdrawal over three per month. New name: Regular Savings No quarterly fee with a minimum daily balance of $100. Otherwise, $6 quarterly fee. New name: Savings for Minors The Excessive Withdrawal/Item Fee will be $3 for each withdrawal over three per month. Regions Christmas Club New name: Savings No monthly fee with a minimum daily balance of $300. Otherwise, $4 monthly fee. Tip: Protect against overdrafts. You will have more ways than ever before to add overdraft protection to your qualifying Regions checking account. Options include a Regions credit card,* savings account, money market account and line of credit.* Visit your branch or regions.com for more details. Interest will be compounded daily and paid monthly. Convenient quarterly statement. Withdraw funds as you would from any savings account; annual Christmas pay out discontinued. The Excessive Withdrawal/Item Fee will be $3 for each withdrawal over three per month. *Subject to credit approval. The credit card program is issued and administered by FIA Card Services, N.A.

9 16 HIGHLIGHTS SAVINGS Zero Interest Savings Features New name: Regular Savings No quarterly fee with a minimum daily balance of $100. Otherwise, $6 quarterly fee. Interest will be compounded daily and paid monthly for balances of $100 and above. The Excessive Withdrawal/Item Fee will be $2.50 for each withdrawal over three per quarter. This will be a limited transaction account. Please refer to the Consumer Disclosure Booklet for more information about transaction limitations affecting interest-bearing savings accounts. TIME DEPOSITS AND CERTIFICATES OF DEPOSIT (CDs) One Year Option CD Maturity Series CD INDIVIDUAL RETIREMENT ACCOUNTS (IRAs) Regions Flex Rate IRA Fixed Rate Time Deposit IRA Features Your interest rate, term and option feature will remain in place until maturity. Upon maturity, the One Year Option CD will renew automatically as a Regular CD. The option to redeem funds without penalty halfway through the new term will no longer be available. This CD will now renew automatically to ensure you continue to earn interest on your funds. A Renewal Confirmation Notice will be sent to you shortly after renewal with your new interest rate. Features New name: Money Market IRA Variable interest rate will continue to be set by the bank and subject to change. This account will automatically renew at maturity. Easier banking As a customer of the new Regions, you ll enjoy more convenient access to your accounts than ever before. You ll have more branches and ATMs, enhanced online and telephone banking and more. Most of all, you ll have access to the Regions team... people who have a true commitment to your success and new ways to make your financial life easier and more rewarding for you.

10 18 ACCESS MADE EASY ACCESS MADE EASY 19 Branches SOME 2,000 BRANCH LOCATIONS COMING STATE-BY-STATE As of July 13, you ll see new Regions signs on Regions and AmSouth branches in Alabama and Florida. This will be your indication that you can bank at any branch location throughout our combined network in Alabama and Florida. See the Tip below for details. The first time you bank at your branch as of July 13, you may be asked to show identification. This is done simply for your protection, and to ensure that we have your proper identification on file. ATMs MORE THAN 2,400 ATMS AVAILABLE RIGHT NOW Continue to enjoy access to more than 2,400 Regions and AmSouth ATMs in 16 states with no ATM transaction fees. By July, ATMs throughout Alabama and Florida will have the new Regions logo, which means you ll have access to the full range of services that these ATMs offer. In addition, all current Regions ATMs are being upgraded to enhance your ATM experience. CheckCards Tip: How to access your accounts during the transition. We re combining Regions and AmSouth on a state-by-state basis to help ensure a smooth transition for you. All phases of this conversion will be completed by early Here s what you need to know: For your accounts in Alabama or Florida, you will have full service banking capabilities at all Regions branches in these states. Regions branches in states other than Alabama and Florida will be able to provide some services at this time. In addition, you will be able to use AmSouth branches outside Alabama and Florida. As always, you will continue to have access to our combined ATM network for cash withdrawals. s in states other than Alabama or Florida will be converted at a later date as we continue to combine our banking networks. You will be notified in advance of this conversion if you have affected accounts. YOUR NEW REGIONS CHECKCARD Some customers may have already received a new CheckCard with the new Regions logo. If you have not yet received your new card, it will be issued to you just prior to the expiration date of your current card. Until then, continue using your current CheckCard just as you always have, with your same Personal Identification Number (PIN). If you decide to change your PIN, please visit your branch or call BANK (2265). You ll continue to earn cash back on every qualifying purchase at participating retailers or program merchants with your built-in CheckCard Rewards. Open one of our product packages and earn double your cash back for one year. See page 27 for more details. See the new card agreement in the enclosed Consumer Disclosure Booklet for information about the terms and conditions that will apply to your CheckCard as of July 13, Be sure to note the new contact information ( BANK) for reporting a lost or stolen card, or fraudulent or unauthorized use of your card. In addition, as of July 13, Purchase Protection, Warranty Manager and ID Theft Insurance will be discontinued, but other benefits will remain including the Visa Zero Liability Policy. Cash back is available only in connection with purchases made from participating retailers. Cash back amounts may vary. Subject to CheckCard Rewards Program Terms and Conditions at the program Web site, available through regions.com or see your banker for details. Other restrictions may apply.

11 20 ACCESS MADE EASY ACCESS MADE EASY 21 Overdraft Protection Online Banking and Bill Pay PROTECT YOUR CHECKING ACCOUNT FROM OVERDRAFTS NEW ONLINE BANKING FEATURES If you have a Premium Line of credit used for overdraft protection, it will now be called a Regions Credit Line. You will now receive a separate overdraft account statement. There will continue to be no overdraft protection transfer fee for this line. In addition, these lines of credit will be assigned a separate account number which will appear on your first overdraft protection statement sent as of July 13. If you have overdraft protection linked to your savings account, transfer fees will now be deducted from your checking account. Please be sure to see the new overdraft protection terms and conditions, including important change in terms information regarding the Premium Line, in the enclosed Consumer Disclosure Booklet. If you do not have overdraft protection today and would like more information, call us, visit your branch or go to regions.com as of July 13. Continue to bank and pay bills online just as you always have with RegionsNet Online Banking. On July 13, some of the functions and features of our online banking site will change. You should have already received a separate communication with more information on these new features and any other changes. New features include: Tip: Set up new payees quickly and easily by choosing from 1,300 preset merchants or setting up your own payees Know whether a payment has been sent electronically or on paper Monitor your account activity with alerts on transactions over amounts you specify View a snapshot of your Morgan Keegan brokerage account balance Access transaction history for Regions personal lines of credit and loans View and pay your Regions credit card online Protecting yourself online. You will receive information about your new online banking features and benefits, as well as account alerts, via . We will never request personal information such as Social Security Numbers, account numbers, passwords, PINs, addresses and birth dates from you via . And we will never include links to other sites. It is important that you do not respond to any request you receive for personal information, even if it appears to come from a legitimate source. If you receive any suspicious s or requests for information, please forward the to fraud@regions.com or contact us at REGIONS ( ). The credit card program is issued and administered by FIA Card Services, N.A.

12 22 ACCESS MADE EASY ACCESS MADE EASY 23 Telephone Banking Statements FREE AUTOMATED SERVICE Same 24-hour-a-day phone number: REGIONS ( ) Personal assistance available: Monday Friday, 6:00 am to 7:00 pm CT Saturday, 6:00 am to 2:00 pm CT TDD service available (as of July 15): IRA Service Center: Monday Friday, 7:00 am to 5:00 pm CT Same log in procedure and menu: Enter your Social Security Number and current Regions Telephone Banking Personal Identification Number (PIN). Then follow the voice prompts for: Balance information for your accounts Recent transaction information Transfers between eligible accounts And more Please note: As of July 13, 2007, the cut-off time for same day processing of payments and transfers through telephone banking will be 6:00 pm CT. YOUR DEPOSIT ACCOUNT STATEMENTS Your deposit statements will be mailed at about the same time of the month as before. Beginning July 13, your Regions statement will have a new format that is easy to read and understand. You will receive a final statement in the current Regions format reflecting transaction activity from your last statement date through July 12. Any accrued interest will be applied, and monthly account fees, if applicable, will be waived. Your first new Regions statement will reflect transaction activity from July 13 through your next statement date. Your cancelled checks will continue to be handled as they are today enclosed with your statement, printed as images on your statement, or stored electronically by the bank. If you currently pay a fee to receive checks back with your statement, the fee as of July 13 will be $3 per month. If you currently have images of your checks printed on your statement, your new statement will show the fronts of checks, with 18 images printed per page. All image statements will be printed in this format. Online banking customers can view check images, front and back, online. With our free estatement service, you will also be able to view up to 18 months of statements online. Tip: Become paperless. Take the hassle out of receiving your bank statements by mail with free Regions estatements it s safer and more secure. View, print or save each month s checking and savings account estatement right online via RegionsNet. Collect up to 18 months of estatements. Keep all your estatements in one safe and secure location. Reduce the risk of mail fraud and identity theft. Go to regions.com to get started.

13 EVERYDAY BANKING AT REGIONS 25 Personal Checking and Savings For details, visit any branch, click on regions.com or call us at REGIONS ( ). PERSONAL CHECKING Benefits For You More solutions Free Checking Free Interest Checking Preferred Plus Banking An easy to use account that can save you money, too No monthly fee, no minimum balance requirement and unlimited checkwriting Put your money to work in a free account that can earn you interest, too Higher interest rates paid for higher balances Packed with benefits and discounts on additional banking services Higher interest rates paid for higher balances The new Regions has more to offer you from better everyday banking to more ways to build long-term financial security. On the following pages, you ll see some of the new choices available to you. We are the people you can rely on now and for years to come for new ideas and new financial strategies to help you enjoy a better life. We re here for the long run and we look forward to continuing to bring you resources and solutions that can make a genuine difference for you. MORLinked Checking Earn checking interest based on total combined balances at Regions and Morgan Keegan Automatic sweep to money market account to earn higher rates Available when you open one of these Regions accounts: A free Regions Visa CheckCard with CheckCard Rewards Free RegionsNet Online Banking with Bill Pay 24-hour access via regions.com, REGIONS and more than 2,400 Regions ATMs Free estatements Free Check Safekeeping Installment loan discount with automatic debit (subject to credit approval) Up to 60% discount on a safe deposit box rental (subject to availability)

14 26 EVERYDAY BANKING AT REGIONS EVERYDAY BANKING AT REGIONS 27 PERSONAL SAVINGS Benefits For You Product Packages Savings Money Market Platinum Relationship Money Market Certificates of Deposit Interest compounded daily and paid monthly Higher interest rates paid for higher balances Low minimum deposit to get started Competitive interest rates, with higher rates paid for higher balances Limited checkwriting access Earn higher interest rates by having a relationship with us Waive monthly fees based upon your account balances Limited checkwriting access Competitive fixed-rate options A variety of fixed terms are available to meet your needs Bonus rates with selected checking products With each of the following packages, you choose your checking and savings preference, receive a range of special package benefits such as free RegionsNet Online Banking with Bill Pay, a free CheckCard and CheckCard Rewards, a no-annual-fee credit card* and more, plus you can select the additional products and services that you want most. Package Solutions Package Legacy Package Wealth Builder Package Private Banking Signature Package Business Plus Package Benefits For You Flexible and affordable for all walks of life Reliable resources for those age 50 and over Powerful tools to help build a bright future Personalized service and attention for your unique financial needs All the essentials for an entrepreneur Visit your branch or regions.com for more information on these packages. Individual Retirement s (IRAs) May be funded with CDs or FDIC-insured money market accounts Traditional, Roth and Coverdell Education Savings options are available Available when you open one of these Regions accounts: Free RegionsNet Online Banking Free estatements Installment loan discount with automatic debit (subject to credit approval) Up to 40% discount on a safe deposit box rental (subject to availability) Tip: Earn double your cash back. Each Regions product package comes with a free Regions CheckCard and CheckCard Rewards offering double cash back for one year when you make purchases with your CheckCard at participating retailers. You re automatically enrolled when you open one of these packages. Just shop at a participating retailer and earn double cash back rewards. You ll see your extra cash on your monthly statement. See the CheckCard Rewards section at regions.com for more details. *Subject to credit approval. The credit card program is issued and administered by FIA Card Services, N.A. Cash back is available only in connection with purchases made from participating retailers. Cash back amounts may vary. Subject to CheckCard Rewards Program Terms and Conditions at the program Web site, available through regions.com or see your banker for details. Other restrictions may apply.

15 28 EVERYDAY BANKING AT REGIONS ADDITIONAL FINANCIAL SERVICES 29 Personal Credit* Specialized Financial Services Available at the New Regions Service Available at the New Regions Home Equity Lines of Credit Personal Lines of Credit Mortgages and Refinancing Education Loans Various financing terms to meet your needs Convenient card access to your line with a Platinum Visa card Link your equity line to your checking account for overdraft protection Lock in your current variable line rate with a fixed-term rate and payment Secured and unsecured options to meet your financial needs Can be linked to your checking account for overdraft protection More choices with more convenient locations to serve you through Regions Mortgage More than 150 varieties of loans More loan officers available to serve you For students or parents, we can make applying for an education loan easy Morgan Keegan & Company Regions Morgan Keegan Private Banking As a securities brokerage and asset management subsidiary of Regions Financial Corporation, Morgan Keegan is one of the nation s leading full-service investment firms with more than 400 locations in 19 states. Morgan Keegan financial advisors offer expertise to individuals, families and businesses in the areas of wealth management, retirement planning, tax solutions, portfolio management and transfer of wealth. Through Regions Morgan Keegan Private Banking, relationship managers provide expertise to individuals, families and businesses in all areas of wealth management. Relationship managers have access to a comprehensive array of products and services by working with financial specialists from all areas of Regions Financial Corporation. Personal Loans Credit Cards A car, a boat, new furniture, a vacation turn to Regions for a full range of personal loan options with a variety of repayment choices and one of the quickest approval processes around Superior purchasing power and convenience for all your everyday expenses and big-item needs Robust WorldPoints rewards program with Ultimate Access benefits Zero fraud liability *Credit accounts subject to credit approval. Certain conditions apply. Please visit your branch for details on these features. The credit card program is issued and administered by FIA Card Services, N.A. Regions Morgan Keegan Trust At Regions Morgan Keegan Trust, we seamlessly combine a flexible suite of products and services, comprehensive corporate trustee capabilities, and the investment expertise of a world-class financial services firm. Trust clients receive the highest level of service and expertise in estate planning and other personal trust services; asset management through our investment advisor affiliate, Morgan Asset Management; natural resources and real estate management; retirement services; all while working with a full-scale corporate trust firm.

16 30 ADDITIONAL FINANCIAL SERVICES Service Regions Insurance Group Available at the New Regions Regions Insurance Group provides insurance to individuals, families and businesses, and has the resources and expertise to protect the most valuable aspects of your life your health, your home and your hard-earned assets. Products include life and health insurance, as well as insurance for your home and automobile. Foreign Exchange Our foreign exchange professionals are experienced and knowledgeable about the intricacies of fluctuating world currencies. Use our expertise to handle all of your foreign exchange transaction needs, including wire transfers in foreign currencies, foreign drafts, overseas checks, foreign currency accounts and bank notes. Financial products and services are subject to terms and conditions and may be subject to credit approval. Eligibility and other restrictions may apply. Investment services are provided through Morgan Keegan & Company, Inc., a subsidiary of Regions Financial Corporation and a member NYSE and SIPC. Trust services are provided through Regions Morgan Keegan Trust, a trade name for the Trust Division of Regions Bank. Regions Morgan Keegan Private Banking is a trade name of Regions Bank. Securities and other nondeposit investment products and insurance products are not insured by the FDIC or any federal government agency, may lose value, and are not a deposit of or guaranteed by the bank or any bank affiliate. The new Regions No matter what your financial needs, the new Regions is here to help make your financial life easier and better for you. We pledge to do our very best to ensure a smooth transition. And we promise to bring you more locations, more choices, more services, and more people to help you achieve your goals. Welcome. We re happy you re here at the new Regions.

17 If you have questions or need assistance please stop by your branch, call us at REGIONS ( ) or visit regions.com Si desea leer esta información en español, visite regions.com (haga clic en español), o solícitela en su sucursal Regions Bank. Member FDIC. AmSouth Bank is a division and trade name of Regions Bank. Regions is a registered service mark of Regions Asset Company and is used under license.