267103 RG guide greenbus - Regions · renewal with the new interest rate for your term. BUSINESS...

welcome

Here’s to the start of something great

to the new Regions

Contents

Highlights 5

Highlights of Account Changes 13

Access Made Easy 16

Account Choices 24

Additional Financial Services 26

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 business solutions� More opportunity� More rewards� Easier banking� More answers

We are committed to helping your business succeed —now and for many years to come.

Expect more

Regions and AmSouth have joined together and, as of October 26, 2007, will begin to serve you in Louisiana,Mississippi and Tennessee as one bank, under the Regions name.On the pages that follow, you’ll find a summary of importantinformation about banking at the new Regions. For the termsand conditions, fee schedule changes and interest rate tiers that will apply to Regions business deposit accounts in Louisiana,Mississippi and Tennessee as of October 26, please see theenclosed Business Disclosure Booklet.

C O N T E N T S 3

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CONTINUE TO USE YOUR BUSINESS DEPOSIT ACCOUNTS THESAME WAY YOU DO TODAY

� For the vast majority of our customers, account features andbenefits will remain the same.

� See pages 13 and 14 for additional information.

SAME BUSINESS DEPOSIT ACCOUNT NUMBERS AND CHECKS

� Business checking and savings account numbers will remain thesame for the great majority of accounts. If you are one of the fewreceiving a new account number, you have already been notified.

� You can continue to use your current supply of Regions checksand deposit and withdrawal slips for your account until it’s time toreorder. When you reorder checks directly from the bank, your newchecks will be automatically printed with the new Regions logo.

� If you prefer to order checks and deposit slips from a source other than the bank, please contact your banker or branch officeto request a new Regions check specification sheet before you place your next order.

An easy transition

Highlights

Regions and AmSouth have worked closely together to make our merger as simple as possible for you.

Chances are you’ll keep the same deposit accounts,checks and more. And now you’ll have more benefits

every day — with more financial specialists at your service, enhanced accounts and services, new online banking capabilities, more branches and ATMs, and cash back rewards on qualifying

Business CheckCard purchases.†

Read this section first!It’s an overview of theinformation you need, all in one place.

Tip:

H I G H L I G H T S 5

† Cash back is available only in connection with purchases made from participating retailers. Cash backamounts may vary. Subject to CheckCard Rewards Program Terms and Conditions at the program Website, available through regions.com or see your banker for details. Other restrictions may apply.

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TREASURY MANAGEMENT SERVICES AND SWEEP SERVICES

� Current treasury management services and sweep servicesclients are receiving a separate package of information aboutthe transition to the new Regions.

ONLINE BANKING SERVICES

� Continue to enjoy convenient online access to your businessaccounts.

� See pages 18 and 19 for more information on RegionsNet® forBusiness and Regions InterAct.

REGIONS.COM

� Discover a world of informationright at your fingertips at ournewly designed and enhancedWeb site, regions.com.

� Learn more about the manybusiness services and resourcesavailable at Regions, and themany ways we can help you take care of business better.

MORE BRANCHES AND ATMS

� The new Regions will combine the banking networks of Regionsand AmSouth to bring you more banking locations – some 2,000branches and more than 2,400 ATMs in 16 states. This processwill take place state-by-state and will be completed over thenext few months. See pages 16 and 17 for more information.

YOUR BUSINESS CHECKCARD

� If you have a Regions Visa® Business CheckCard, continueusing your current card and Personal Identification Number (PIN). You will receive a new Business CheckCard with the new Regions logo prior to your card’s expiration date.

� As of October 26, your BusinessCheckCard may have slightly differentfeatures and benefits than it has today.

� See page 20 for more details.

SAME AUTOMATIC DEBITS AND CREDITS

� Automatic payments and transfers for your deposit account, suchas payroll, insurance or recurring tax payments, will continue asbefore, with no change to your current arrangements.


Streamline purchasing.The Regions Visa® Purchasing Card helps streamlineyour entire purchasing and accounts payable process –reducing costs, eliminating checks and improvingmanagement control of the payables process.

It’s available right now – simply contact your banker formore information.

Tip:

6 H I G H L I G H T S

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YOUR REGIONS BUSINESS CREDIT CARD

� If you previously had a Regions business credit card, you havealready received a replacement Regions business credit cardwith the same account number and the new Regions logo.

� New! Link a Regions business credit card to your qualifyingRegions business checking account for overdraft protection.

� For your convenience, you will now also be able to make yourcredit card payments at the branch.

TIME DEPOSITS AND CERTIFICATES OF DEPOSIT (CDs)

� These accounts will continue with the same interest rate andterm until maturity.

� Interest will continue to be credited on the same schedule as today.

� If you currently have interest credited back to your Time Depositor CD, or automatically deposited into a Regions businesschecking or savings account opened in the same state, or sentdirectly to you by check, there will be no changes.

� At maturity, Time Deposits and CDs will automatically renew forthe same term at the interest rate in effect at that time, unlessfunds are withdrawn at maturity.

� For your convenience, in addition to your Pre-Renewal Notice,you will now receive a Renewal Confirmation Notice shortly afterrenewal with the new interest rate for your term.

BUSINESS LOANS AND LINES OF CREDIT

� Business loans and lines of credit, including RightBusiness Lines of Credit, willcontinue with the same termsand conditions.

� Your first statement after October 26 will have a newlook and format, and arrive atabout the same time of themonth as today. It will alsoinclude a new account numberand payment address.

� You may need to update your account number with any servicesthat currently use it such as online banking.

� If you currently have:� Line of credit checks – you can continue using these checks.� Credit insurance – it will continue without interruption at the

same rate and terms.� Payments made through automatic debit – this service will

continue automatically.

� If you receive an annual 1098 statement, your statement willnow include interest, late fees and mortgage points paid foreach reporting year.

Boost sales!Being able to accept any type of payment that walksin your door can mean more convenience for yourcustomers and more sales for your business. RegionsMerchant Services makes it easy, with advancedtechnology and the mostpowerful platform in theindustry. Call your banker or branch office for acomplimentary MerchantServices statement analysis.


Tip:

8 H I G H L I G H T S

The credit card program is issued and administered by FIA Card Services, N.A.Merchant Services are provided by Nova Information Systems.

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OVERDRAFT PROTECTION

� This valuable service will continue. Options for overdraftprotection will now include linking your qualifying businesschecking account to a Regions business:� Credit card account*� Savings account� Money market account� Line of credit account*� Sweep account

� The fee for overdraft transfers from savings to checking will bededucted from the checking account.

� If you do not have overdraft protection today and would likemore information on these options, contact your banker orbranch office, call 1-800-REGIONS or visit regions.combeginning October 26.

DEPOSIT ACCOUNT STATEMENTS

� Your statement will arrive about the same time of the month asit now does. You will receive two statements for the month ofOctober during our transition to the new Regions.

� Your statements will feature an improved, easy-to-read formatwith the new Regions logo.

� See page 22 for more information.

*Subject to credit approval. The credit card program is issued and administered by FIA CardServices, N.A.

H I G H L I G H T S 1 11 0 H I G H L I G H T S

SAFE DEPOSIT BOXES

� Your safe deposit box number will remain the same, and youwill continue to use the same keys to access your box, unlessyou have already been notified. Your box rental will continueunder the terms of your current rental agreement.

� As of October 26, your safe deposit box billing notice will havea new look and format.

� Any changes to your rental rate or discounts will be reflected on your annual safe deposit box rental notice.

INACTIVE ACCOUNTS

� Any checking or money market account that has had nocustomer-initiated activity for a period greater than 90 days willreceive statements on a quarterly basis. Monthly statements willbe sent with any subsequent customer-initiated activity.

RETURNED ITEM PROCESSING

� You will have additional options for handling returned deposititems, including automatic redeposit of items drawn on otherbanks and enhanced reporting options.

� Returned deposit items are processed throughout each businessday, so you may receive more than one notification on any day.

� Please contact your banker for more information aboutenhancements available to you.

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Highlights of Account Changes

There will be few changes to existing business accounts. Here is a brief summary of changes that will apply to certain Regions business accounts in Louisiana, Mississippi and Tennessee as ofOctober 26, 2007. If your account is not listed below, the features and benefits of your account will remain the same.

Please see the enclosed Business Disclosure Booklet for additionalinformation as well as the terms and conditions, pricing schedulechanges and interest rate tiers that will apply.

YOUR MAILING ADDRESS

� Beginning October 26, Regions statements, interest checks and correspondence will be mailed only to the current, primaryaddress on your account.

� Duplicate statements – if you should continue to needmultiple statements, you can enroll through RegionsNet® forBusiness or Regions iTreasury to receive statements online.This way you can print out multiple copies as needed.

� Seasonal and alternate addresses – please contact yourbanker or branch office to have bank documents mailed to a different address.

YOUR NEW BUSINESS DISCLOSURE BOOKLET

� For the terms and conditions, fee schedule changes and interestrate tiers that will apply to Regions business deposit accounts inLouisiana, Mississippi and Tennessee as of October 26, 2007,please see the enclosed Business Disclosure Booklet.

H I G H L I G H T S 1 31 2 H I G H L I G H T S

� New overdraft funding options will beavailable for you.

� A fee for receiving checks in your monthly statement will apply. Free checksafekeeping and image statements areavailable.

� New ways to avoid the monthly fee. � A fee for receiving checks in your monthly

statement will apply. Free check safekeepingand image statements are available.

� New ways to avoid the monthly fee.

� Interest will now be paid on 100% of yourcollected balance.

� New interest rate tiers with higher ratespaid for higher balances.

� Interest will now be compounded daily andpaid on 100% of your collected balance.

� New interest rate tiers with higher ratespaid for higher balances.

� New rules regarding excessive withdrawals.

Regions FreeBusiness Checking

Regions AdvantageBusiness Checking

Regions RightBusiness Checking

Regions interest earning checkingaccounts

Regions businessmoney marketaccounts

New Account Name/Type Features

Become paperless.Take the hassle out of receivingyour bank statements by mailwith free Regions eStatements –it’s safer and more secure.

� View, print or save eachmonth’s checking and savingsaccount eStatement viaRegionsNet® for Business or Regions iTreasury.

� Collect up to 18 months of eStatements.

� Keep all your eStatements inone safe and secure location.

� Reduce the risk of mail fraud and identity theft.

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At the new Regions, businesses will enjoy moreconvenient access to accounts than ever before

with more branches, banking specialists and ATMs, and online and telephone banking.

Most of all, you’ll have access to the Regions team...people who have a true commitment to helping

your company succeed financially and who are readywith new, more innovative ways to help you streamlinefinancial management, build sales and boost profits.

Easier banking

1 4 H I G H L I G H T S

� New fee for excessive withdrawals.� NSF/OD fees will apply if account is

overdrawn.

� New interest rate tiers with higher rates paidfor higher balances.

� Change in fee for deposited items and othertransactions.

� Accounts will receive interest or service charges around the 11th calendar day of the month(according to the Account Analysis schedule).

� If your account incurs a service charge, yourAccount Analysis statement will print and/or beavailable online around the 9th calendar day ofthe month. The service charge will reflectactivity from the previous month and will postto your checking account around the 11thcalendar day of the month.

� Earnings credit will be calculated using dailypositive collected balances.

� Earnings credit rates will be determined by thebank. Rates will be tiered and higher ratesmay be paid for higher balances.

� Negative collected balance fees will be basedon your daily collected balance.

� Monthly service charges will be assessedaround the 9th calendar day of the monththrough the analysis system. The servicecharge will reflect activity from the previousmonth and will post to your checking accountaround the 11th calendar day of the month.

� Change in fee for deposited coin and currency.� Minimum balance can no longer offset monthly

maintenance fee.� Interest will now be compounded daily.� New interest rate tiers with higher rates paid

for higher balances.

Regions BusinessSavings Accounts(opened prior toJanuary 1, 2007)

IOLTA

Analyzed Checking

Public FundsAccount

New Account Name/Type Features

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A C C E S S M A D E E A S Y 1 7

Telephone Banking

SOME 2,000 BRANCH LOCATIONS – COMING STATE-BY-STATE

As of October 26, you’ll see new Regions signs on Regions and AmSouthbranches in Louisiana, Mississippi and Tennessee. This will mean thatyou can bank at any branch location throughout our combined networkin Alabama, Florida, Louisiana, Mississippi and Tennessee. See the Tipbelow for more information.

The first time you bank at your branch as of October 26, you may beasked to show identification. This is done simply for your protection,and to ensure that we have your proper identification on file.

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 October, ATMs throughoutLouisiana, Mississippi and Tennessee will have the new Regions logo,meaning you’ll have access to the full range of services that these ATMsoffer. In addition, all current Regions ATMs are being upgraded toenhance your ATM experience.

Branches ATMs

1 6 A C C E S S M A D E E A S Y

How to access your accounts during the transition.We’re combining Regions and AmSouth on a state-by-statebasis to help ensure a smooth transition for you. All phasesof this process will be completed in the near future. Here’swhat you need to know:� For your accounts in Louisiana, Mississippi and Tennessee,

you will have full service banking capabilities at all Regionsbranches in these states as well as in Alabama and Florida.Regions branches in states other than these will be able toprovide some services at this time.

� As always, you will continue to have access to ourcombined ATM network for cash withdrawals.

� Accounts in Arkansas, Georgia, Illinois, Indiana, Iowa,Kentucky, Missouri, North Carolina, South Carolina, Texasand Virginia will be converted at a later date as we continueto combine our banking networks. You will be notified inadvance of this conversion if you have affected accounts.

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FREE AUTOMATED SERVICE

Same 24-hour-a-day phone number:1-800-REGIONS (1-800-734-4667)

Personal assistance available:Monday – Friday, 6:00 am to 7:00 pm CTSaturday, 6:00 am to 2:00 pm CT

TDD service available (as of October 28): 1-800-374-5791

Same log in procedure and menu:Enter your Social Security Number or Tax ID Number (TIN) andcurrent Regions Telephone Banking Personal Identification Number(PIN). Then follow the voice prompts for:

� Balance information for youraccounts

� Recent transaction information

� Transfers between eligibleaccounts, and more

Please note: As of October 26, 2007,the cut-off time for transfers throughtelephone banking will be 6:00 pm CT.


FREE REGIONSNET® FOR BUSINESS

Continue to bank and pay bills online just as you always have withRegionsNet for Business Online Banking. On October 26, some of the functions and features of our online banking site will change. You should have already received a separate communication withmore information on these new features and any other changes.

New features include:

� Set up new payees quickly and easily by choosing from 1,300preset merchants or setting up your own payees

� Know whether a payment has been sent electronically or on paper

� Monitor account activity with alerts on transactions overamounts you specify

� View a snapshot of your Morgan Keegan brokerage account balance

� Access transaction history for Regions business lines of creditand loans

� View and pay your Regions business credit card online

Online Banking

Protecting your security online.Your business will receive information about your new onlinebanking features and benefits, as well as account alerts, via e-mail.

We will never request personal information such as SocialSecurity Numbers, Tax ID Numbers, account numbers,passwords, PINs, addresses and birth dates from you via e-mail.And we will never include links to other sites.It is important that you do not respond to any e-mail requestyou receive for personal information, even if it appears to come from a legitimate source.If you receive any suspicious e-mails or e-mail requests forinformation, please forward the e-mail to [email protected] contact us at 1-800-REGIONS (1-800-734-4667).

Tip:

REGIONS INTERACT

Right now, continue to use Regions InterAct for your company’sonline financial needs. On October 26, this commercial onlinebanking service will convert to Regions iTreasury which will providevery similar capabilities and benefits as you currently enjoy, alongwith some great enhancements. Additional information about RegionsiTreasury is included in a separate communication sent to you aboutyour treasury management services.

New features include:

� Enhanced commercial loan reporting with both summary andtransaction detail information

� A convenient balance reporting “dashboard” that gives youinstant access to the information you need frequently

� Cash position report that includes credits and debits not yetposted, as well as transactions initiated but not processed forcash positioning

� Ability to cancel previously placed stop payments

� An expanded array of special reports, including AccountAnalysis Statement, ACH Exposure and more


The credit card program is issued and administered by FIA Card Services, N.A.BG-2

YOUR NEW REGIONS BUSINESS CHECKCARD

Some customers may have already received a newBusiness 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 Business CheckCard just asyou always have. If you use a Personal Identification Number (PIN)with your card, it will remain the same.

You’ll continue to earn cash back on every qualifying purchase atparticipating retailers or program merchants with your built-inCheckCard Rewards.† Open a business package and earn double your cash back for one year. See page 25 for more details.

See the new card agreement in the enclosed Business DisclosureBooklet for information about the terms and conditions that will apply to your Business CheckCard as of October 26, 2007. Be sure tonote the new contact information (1-866-519-BANK) for reporting alost or stolen card, or fraudulent or unauthorized use of your card.

In addition, as of October 26, ID Theft Insurance will bediscontinued, but other benefits will remain, including the Visa ZeroLiability Policy.


Business CheckCardsIt pays to use your Business CheckCard.� Purchase Security – For qualifying purchases made with

your Business Visa CheckCard, we will replace, repair, orreimburse you for theft or damage that occurs in the first90 days.

� Extended Protection – For qualifying purchases made with your Business Visa CheckCard, we will double thelength of the manufacturer’s warranty up to one year.

� Auto Rental Collision Damage Waiver – When you use yourBusiness Visa CheckCard to rent a car, you automaticallyreceive insurance. There is no reason to purchasecoverage from the rental company.

� Emergency Travel Services – Free to all Business VisaCheckCard holders and members of their immediate family.

� Liability Waiver – For cards issued to employees, you areprotected against employee fraud or misuse.


Tip:


Certain restrictions apply. See the Business CheckCard section of regions.com for details on theseand other valuable benefits of the Regions Business Visa CheckCard.

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DEPOSIT ACCOUNT STATEMENTS� Beginning October 26, your Regions statement will have a new

format that is easy to read and understand. Your statements will be mailed at about the same time of the month as they are now.

� You will receive a final statement in the current Regions formatreflecting transaction activity from your last statement date through October 25. Your first new Regions statement will reflecttransaction activity from October 26 through your next statementdate. The monthly service charge for non-analyzed businessaccounts will be waived for October.

� Your cancelled checks will continue to be handled as they are today – enclosed with your statement, printed as images on yourstatement, or stored electronically by the bank. For fees that mayapply for check enclosure or image statements, please see theenclosed Business Disclosure Booklet.

� 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.

� RegionsNet for Business customers can view check images, front and back, online. If you have signed up for our free eStatement service,you will also be able to view up to 18 months of statements online.

� Regions iTreasury users will be able to view statement reports, as well as images of the fronts and backs of their checks.

� Location or store numbers printed on deposit slips will no longerprint on statements. Please ask your banker about other servicesavailable that can assist with this need.

ACCOUNT ANALYSIS STATEMENTS� Beginning October 26, your Analysis statement will have a new,

user-friendly format.� If you have chosen to receive a statement, your Analysis statement

will be printed around the 9th calendar day of the month. Theservice charge will reflect activity from the previous month, and willpost to your account around the 11th calendar day of the month.

� Regions iTreasury offers an online Analysis statement availablearound the 11th calendar day of the month.

� TMA codes will no longer print on statements. Please ask yourbanker about other services available that can assist with this need.

The new Regions has more to offer businesses — from better everyday banking to more ways to help grow,

build and maintain your company’s long-term financial success. On the following pages, you’ll see some of

the resources now available to you.

Above all, we want you to know that we are thepeople you can rely on — now and for years to come —for new ideas and new financial strategies to help you

achieve personal and business success.

We’re here for the long run — and we look forward to continuing to bring your business resources and solutions that can make a genuine difference.

More solutions

Statements


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� For smaller businesses with lowervolumes of checking transactions eachmonth.

� No minimum balance, no monthly fee.

� For growing businesses with highervolumes of checking transactions eachmonth.

� Package allows for free items monthlyand many other valuable serviceofferings to be added.

� For businesses that have higherbalances and activity levels and usetreasury management services.

� Opportunity to offset service chargeswith “earnings credit allowance” whichis based on positive collected balances.

Free BusinessChecking

Business Checking

Analyzed Checking

Business Accounts

At Regions, you’ll find business accounts and services to meet yourcompany’s needs at every stage of its growth ... and specialists to helpyou make the right choices along the way.

Whatever your company’s revenue, whatever your transaction needs, we have a solution that’s sized to fit. To make sure you have the bestfinancial services for your needs, contact your banker, visit any branch,click on regions.com or call us at 1-800-REGIONS (1-800-734-4667).

Please see the enclosed Business Disclosure Booklet for terms and conditions that apply to theseaccounts as well as more information.

� For businesses that want to combine achecking account with a savings vehicle.

� Choose from the qualifying checking andsavings options.

� Receive a range of special packagebenefits.

� Customize package with specialty services such as online banking, treasurymanagement and investment services.

Checking andSavings Packages

� A great place to park your excess cash.

� Earn interest on your entire balance.

� Low minimum to get started.

� Competitive interest rates; higher ratesmay be paid for higher balances.

� Limited checkwriting access.

Business Savings

Money MarketAccount

BUSINESS CHECKING ACCOUNTSAccount Benefits

BUSINESS CHECKING ACCOUNTSAccount Benefits

BUSINESS SAVINGS AND MONEY MARKET ACCOUNTSAccount Benefits

A C C O U N T C H O I C E S 2 52 4 A C C O U N T C H O I C E S

Earn double your cash back.Ask about our business packages. They come with a freeRegions Access Platinum Business CheckCard and CheckCardRewards offering double cash back for one year when you makepurchases with your CheckCard at participating retailers†. You’reautomatically enrolled when you open a package. Just shop ata participating retailer and earn double cash back rewards.You’ll see your extra cash on your monthly statement. See theCheckCard Rewards section at regions.com for more details.

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Merchant � Boost your sales by accepting Services MasterCard and Visa.

� Wide range of choices in processingmethods and pricing.

� Customer service and technical supportavailable 24/7.

� Next day funding for Credit Card/Electronic/Check sales.

Capital � A wide range of risk management and Markets debt solution products for businesses.

� Sophisticated hedging and financingproducts for companies wishing to:� Manage/hedge interest rate or foreign

currency exposure.� Obtain financing from a multi-lender

bank group.� Acquire permanent mortgage financing

from non-bank sources.

Regions � Solutions to expand your operation or lowerBusiness your costs through:Capital � Acquisition financing

� Capital expenditures� Growth capital� Refinancing existing cash flow� Turnaround financing� Recapitalizations� Stock purchases� Restructurings� Debtor-in-Possession loans

Regions � Reduce costs, improve efficiency and increaseEquipment profits with a comprehensive range of flexible Finance equipment loan and leasing options.

� Conserve your valuable capital, improve cashflow and get the equipment you need withup to 100% financing.

Treasury � Regions treasury management services Management offer flexible collection and payment Services solutions and online account management

tools you can access anytime, anywhere.

� Collection products include wholesale andretail lockbox, remote deposit capture andvault services.

� Payment products include ACH origination,wire transfers, and card-based products tofacilitate specialty payment needs such aspayroll and procurement.

� Funds management products includeinvestment and credit line sweep services,ZBA processing, and RegionsOneconsolidated deposit reporting.

� Information products include a richlyfeatured online banking solution andautomated data exchange account reporting services.

A D D I T I O N A L F I N A N C I A L S E R V I C E S 2 72 6 A D D I T I O N A L F I N A N C I A L S E R V I C E S

Specialized Services

Minimize overdraft fees.Several Regions treasury management services can helpclients avoid overdraft fees. For example, our remotedeposit products provide an extended deposit cutoff time,enabling the same-day deposit of payments you receivelater in the day. Our ZBA service can automatically fundyour disbursement accounts from your primary depositoryaccount, and our Credit Line Sweep product canautomatically draw from a line of credit if needed toprevent an overdraft in your checking account.

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2 8 A D D I T I O N A L F I N A N C I A L S E R V I C E S A D D I T I O N A L F I N A N C I A L S E R V I C E S 2 9

� Through Regions Morgan Keegan PrivateBanking, relationship managers provide expertise to individuals, families and businessesin all areas of wealth management.

� Relationship managers have access to acomprehensive array of products and servicesby working with financial specialists from allareas of Regions Financial Corporation.

� At Regions Morgan Keegan Trust, we seamlessly combine a flexible suite of products andservices, comprehensive corporate trusteecapabilities, 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 otherpersonal trust services; asset managementthrough our investment advisor affiliate,Morgan Asset Management; natural resourcesand real estate management; retirementservices; all while working with a full-scalecorporate trust firm.

� As a securities brokerage and assetmanagement subsidiary of Regions FinancialCorporation, Morgan Keegan is one of thenation’s leading full-service investment firmswith more than 400 locations in 19 states.

� Morgan Keegan financial advisors offerexpertise to individuals, families and businessesin the areas of wealth management, retirementplanning, tax solutions, portfolio managementand transfer of wealth.

� Provides award-winning equity research, institutional trading and investment bankingservices such as corporate finance, mergersand acquisitions, public and private equityfunding, and mezzanine financing for growingcompanies.

� Nationally recognized for its expertise in bond trading, research and underwriting.

Regions � At Regions Commercial Real Estate, Commercial we believe in building strong, lasting Real Estate relationships – one client at a time.

� In addition to custom loan solutions, theselong-term relationships are a result ofcomprehensive financial solutions throughpartnering within Regions Capital Markets,Treasury Management, Morgan Keegan andPrivate Banking, in addition to unparalleledconvenience through more than 2,000 offices.

International � With a team of international banking Banking specialists and a worldwide network of

correspondent banks, we can help you transactbusiness in every corner of the world.

� Our Global Trade Finance experts offerpowerful payment and financing solutionsfor U.S. importers and exporters, includingEx-Im Bank lending programs and onlinepayments systems.

� The Global Correspondent Banking team is uniquely experienced in worldwidepayment services and global markets.

� Our dedicated International Operations team provides specialized support for all of your trade-related transactions.

� Regions Foreign Exchange trading desk is one of the most experienced in theSoutheastern U.S.

Healthcare � Specialized products, services and Banking expertise for the financial needs of

healthcare organizations.

� A complete range of services – term loans,real estate loans, lines of credit, bondfinancing, treasury management servicesand employee banking.

Regions Morgan KeeganPrivate Banking

Regions MorganKeegan Trust

Morgan Keegan & Company

Morgan KeeganEquity CapitalMarkets Group

Morgan KeeganFixed IncomeCapital Markets

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No matter what your company’s 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 people, more locations,

more solutions, and more services to help you achieve your business goals.

Welcome.We’re happy you’re here at the new Regions.

The new Regions

3 0 A D D I T I O N A L F I N A N C I A L S E R V I C E S

RegionsInsurance Group

NationalCorporateBanking

� Regions Insurance Group is ranked as oneof the 25 largest full-service insurancebrokerages in the U.S.

� With more than 500 professionals at more than 25 locations evaluating the risk management, insurance and employeebenefit needs of businesses of all sizes, weare committed to delivering the expertiseand service required to meet those needs.

� Our insurance brokerage is licensed tooperate in all states, and has the capabilityto meet foreign needs, as well.

� National Corporate Banking (NCB) gives youaccess to a wide range of commercial andinvestment banking solutions, delivered by a well-coordinated team of specialists, nomatter where in the country your business is located.

� You’ll have a single point of contact – arelationship manager who knows all aboutyou and your business – who can provide forall your financial needs.

� We work in tandem with Morgan Keeganand Regions Insurance to providecomprehensive financial solutionsencompassing the full breadth of affiliatecapabilities.

� In addition to coordinating commercialbanking, investment banking and insuranceservices, we offer specialty services to assistnational and international corporations.

Financial products and services are subject to terms and conditions and may be subject to creditapproval. Eligibility and other restrictions may apply. Investment services are provided throughMorgan Keegan & Company, Inc., a subsidiary of Regions Financial Corporation and a memberNYSE and SIPC. Trust services are provided through Regions Morgan Keegan Trust, a trade namefor the Trust Division of Regions Bank. Regions Morgan Keegan Private Banking is a trade name ofRegions Bank. National Corporate Banking is a division of Regions Bank. Securities and other non-deposit investments and insurance products are not insured by the FDIC or any federal governmentagency, may lose value and are not a deposit of or guaranteed by the bank or any bank affiliate.

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If you have questions or need assistance,

please contact your banker or branch office, call us at

1-800-REGIONS (1-800-734-4667) or visit regions.com

Si desea leer esta información en español, visite regions.com (haga clic en español), o solícitela en su sucursal.

© 2007 Regions Bank. Member FDIC.AmSouth Bank is a division and trade name of Regions Bank.

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267103 RG guide greenbus - Regions · renewal with the new interest rate for your term. BUSINESS...

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Transcript of 267103 RG guide greenbus - Regions · renewal with the new interest rate for your term. BUSINESS...