Regions Financial Corp.

Stock Symbol: RF

Regions Financial Corp. Description:
The vision of Regions Financial Corp. is to be the premier financial services company in the South. With some $48.8 billion in assets and $4.4 billion in stockholders? equity at 3/31/04, the company is one of the leading financial services providers in the nation. Serving customers throughout the South, Regions provides traditional commercial and retail banking services and other financial services in the fields of investment banking, asset management, trust, mutual funds, securities brokerage, insurance, leasing and mortgage banking. The company?s banking affiliate, Regions Bank, offers banking services online from its Web site at www.regions.com and from more than 680 banking offices and an extensive ATM network in Alabama, Arkansas, Florida, Georgia, Louisiana, North Carolina, South Carolina, Tennessee and Texas.

Regions Financial Corp. Financial Summary:
For the nine months ended 30 september 2005, Regions Financial Corp. Net income available to common shareholders increased 28% to $746.5M. Net income available to common shareholders reflects increase in net interest margin, increased net interest income and higher fee-based revenue. Regions Financial Corp is a regional holding company that operates 689 banking offices in AL, AR, FL, GA, TN, SC, TX and LA.

Regions Financial Corp. Business Summary:
Regions Financial Corporation (Regions) is a financial holding company that operates primarily within the southeastern United States. Regions' operations consist of banking, brokerage and investment services, mortgage banking, insurance brokerage, credit life insurance, commercial accounts receivable factoring and specialty financing. Regions Financial Corporation conducts its banking operations through Regions Bank, an Alabama-chartered commercial bank that is a member of the Federal Reserve System, and Union Planters Bank, National Association (UPBNA), a national bank. Regions provides additional financial services through various subsidiaries or divisions. On July 1, 2004, Regions merged with Union Planters Corporation (Union Planters).

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