Regions Financial Corp.

Chairman, President and Chief Executive Officer and Director, registrant and Regions Bank. Previously Chairman, President and Chief Executive Officer of AmSouth Bancorporation and AmSouth Bank.

Mr. Sullivan joined what is today known as Morgan Asset Management in 1982 and is currently President and Chief Investment Officer for Morgan Asset Management. Prior to the merger between AmSouth and Regions in November 2006, Mr. Sullivan was President of AmSouth Asset Management, Inc. Prior to taking on that responsibility in June 2004, Mr. Sullivan was Head of Value Equity for AmSouth Asset Management, Inc. Prior to that role, Mr. Sullivan was Chief Fixed Income Officer at AmSouth Asset Management Inc. supervising a staff of professionals responsible for the direct management of discretionary funds and for the provision of investment advice to other portfolios. Since joining, Mr. Sullivan has served successively as equity Research Analyst responsible for several industries and the Trust Division’s equity Research Coordinator. In addition, he has been responsible for Employee Benefits Portfolio Management, Regional Trust Investments, and Manager of fixed income investments. His investment experience began in December 1980. Prior to joining AmSouth, Mr. Sullivan was a utilities Analyst for the State of Alabama. Mr. Sullivan received a B.A. in Economics from the University of the South and an M.B.A. in Finance from Tulane University. Mr. Sullivan is a CFA charterholder and a current member and past president of the CFA Society of Alabama.

Peters serves as the Chief Marketing Officer for Regions and manages Business Banking and Private Banking Product Management, Brand Management and Advertising, Marketing Communications, Deposit Strategy and Consumer Product Management, and Research and Analysis. Prior to joining Regions in 2004, Peters served as executive vice president of Fidelity Personal Investments, and he also held positions with KeyCorp as director of Mass Market Retail Banking and National Sales manager. Peters began his banking career in 1987 with Citibank, where he opened and managed a de novo branch, ultimately serving as director of U.S. Core Product Marketing. Peters holds a bachelor's degree in Marketing from the University of Connecticut, Storrs, Connecticut.

Bill Wells is Regions' chief risk officer and leads the Risk Management Group, which includes the Credit Risk Division, Internal Audit, Risk Policy, Operational Risk, Market and Liquidity Risk, Regulatory Liaison, Corporate Compliance, and Reputation Risk Management. He also serves as a member of Regions Executive Council. Before joining Regions in December 2004, he served as executive vice president and chief risk officer of SouthTrust Corporation, where he was employed since 1998. He previously was a commissioned national bank examiner with the Office of the Comptroller of the Currency serving as examiner-in-charge of multi-billion dollar regional banking institutions. He began his career in 1980 as an auditor with First Columbus National Bank, Columbus , Mississippi . Wells is a director of Regions Community Development Corporation. He is a 2006 graduate of Leadership Birmingham and earned a bachelor's degree in Banking and Finance from Mississippi State University , Starkville , Mississippi.

Arthur Scott has 30 years experience in the financial services industry and most recently was senior vice president and chief operating officer for Wachovia Treasury Services in Charlotte, N.C. Prior to joining Wachovia in 2004, Scott was senior vice president and senior strategist for Mellon Lab and Online Service for Mellon Financial Services in Pittsburgh, Pa., where he developed new revenue opportunities within and across lines of business throughout the enterprise, and devised strategies with multiple business lines to develop online channels, focusing on revenue enhancement and margin improvement. Scott spent his early career with Nations Bank, now Bank of America. He holds a bachelor's degree from the University of Maryland and is a long time member of the Association of Finance Professionals and a Certified Treasury Professional.

McDonald, a Mobile native, joined Regions in 1999 as senior vice president and director of sales and was named senior vice president for the corporate banking division in 2001. He has served as credit officer for the corporate banking division and Regions subsidiaries Morgan Keegan & Co. Inc. and EquiFirst Corp. McDonald earned a bachelor's degree in finance and economics from Birmingham-Southern College. His current and past civic responsibilities include memberships on the boards of Birmingham's Ronald McDonald House, Fire House Men's Shelter and Magic City Art Connection.

David B. Edmonds is Regions’ head of Human Resources, which includes Corporate Security and Aviation. He also serves as a member of Regions Executive Council. Prior to joining Regions in 1994, Edmonds served as the director of Human Resources for Pepsi-Cola’s Southeast region. Before joining Pepsi-Cola, he was employed in the Human Resources division of Mobil Oil Corporation. Edmonds received his bachelor’s degree from the U.S. Military Academy at West Point.

Tim Laney, 47, joined Regions in August 2007 after serving as the Global Large Corporate Treasury Executive at Bank of America in Charlotte, North Carolina. He is head of Business Services, leading all lines of business that serve business and commercial customers. He is also a member of Regions Executive Council. Laney joined Regions with an extensive background in leading corporate strategy initiatives, lines of business and geographies. His career began at Bank of America when he joined the Relationship Management Development Program in 1983. For the next 24 years, he served Bank of America in progressive management roles in treasury, commercial banking, private banking, corporate marketing and change management. In 1995, Laney became the Business Corporate Marketing executive for the corporation. He continued serving the corporation in leadership roles, and in 2001, was named Florida State President and Eastern U.S. Commercial Banking executive. In his most recent role as Global Large Corporate Treasury Executive, he managed offices in 20 countries and served corporate and financial institutions in 150 countries. Laney holds a bachelor’s degree in Business from Florida State University in Tallahassee, Florida. He has been actively involved in several community outreach programs in Charlotte, North Carolina.

John Owen, 47, joined Regions in July 2007. Owen heads the Operations and Technology Group, which includes Technology Operations, Bank Operations, Check Processing, Corporate Real Estate, Procurement Services, and Management Consulting. Owen also manages Regions Insurance Group and is a member of Regions’ Executive Council. Regions is a top U.S. bank-holding company headquartered in Birmingham, Alabama, with $144 billion in assets, operating over 2,000 branches in 16 states. Prior to joining Regions, Owen had an extensive background in operations and technology. He most recently served as chief executive officer of Assurant Specialty Property, a Fortune 500 company based in Atlanta, Georgia. Owen began his service at Assurant in 1998 as senior vice president of Information Technology. From 2003 until 2005 he held the position of chief operating officer of Assurant’s Property and Solutions Group and was then promoted to chief executive officer. Owen also served as senior vice president of Global Systems Development for Citicorp Credit Services and chief information officer of North American Operations for Arrow Electronics. He began his career in 1983 in information systems with American Airlines and McDonnell-Douglas. Owen holds a bachelor’s degree in Aviation Management from Auburn University’s School of Engineering in Auburn, Alabama, and is actively involved in Raliegh’s Place, an organization that assists foster children in Clanton, Alabama.

As General Counsel and Corporate Secretary for Regions, Buchanan leads the Reputation Risk unit, which includes the Legal Department, Community Affairs, Governmental Affairs and Issues Management. Prior to joining Regions in 2005, Buchanan was general counsel for SouthTrust Bank for approximately a decade. He served as an officer and helicopter pilot in the United States Army. Buchanan holds a bachelor's degree in Economics from Washington & Lee University in Lexington, Virginia; a juris doctor degree from Vanderbilt University School of Law in Nashville, Tenn., and a master's degree in law from New York University School of Law. He is on the Boards of Directors of the Alabama Bankers Association and the Business Council of Alabama.

John Asbury has over 20 years experience in the financial services industry and joins Regions from Bank of America where he spent the last 17 years. He most recently was the Pacific Northwest region executive and senior vice president of Business Banking in Seattle, Wash., where he led a 163-associate team in five states serving 10,000 business clients. Other positions he held at Bank of America included quality and productivity executive for Global Corporate Investment Banking in Charlotte, N.C., sales performance executive for the East Region Commercial Banking, national marketing executive and Southeast regions executive for Business Capital in Atlanta, Ga., and chief administrative officer for the Commercial Finance division in Charlotte, N.C. Prior to joining Bank of America, Asbury was with Wachovia in North Carolina from 1987-1990. He graduated from Virginia Polytechnic Institute and State University with a bachelor's degree in business, and he received a master of business administration from the College of William and Mary.

Bradley brings with him over 31 years of experience in the financial services industry. In his most recent role at Bank of America, Rex served as managing director and west division executive of Commercial Real Estate banking and was located in Irvine, Calif. He was responsible for all private commercial real estate clients and prospects in the western U.S. and western Canada. Much of Bradley's previous experience with Bank of America was within the Regions footprint -- he served as Bank of America's Commercial Real Estate executive in Florida and as the National Home Builder's division executive. Bradley received his bachelor's in economics and a master's in business administration from the University of Virginia in Charlottesville.

Ms. Johns joined what is today known as Morgan Asset Management in November 1999 and is currently the Head Equity Trader. Ms. Johns is responsible for the management of the Traders and overall oversight of trading activities. . Prior to the merger between AmSouth and Regions in November 2006, Ms. Johns was the Head Equity Trader for AmSouth Asset Management, Inc. Her investment experience began in 1992. Prior to joining, Ms. Johns worked at Morgan Keegan from 1998-1999, where she was an Assistant Vice President in Institutional Trading. Ms. Johns has also worked at Smith Barney, Merrill Lynch and Dean Witter. Ms. Johns received a B.S from Mississippi College.

Kimbrough joined AmSouth in 1993 as assistant vice president, special projects, and in 1994, he was named vice president, assistant controller. From 1995 to 1998, he served as vice president, management reporting and financial analysis. In 1998, he was named senior vice president with responsibilities for AmSouth's financial planning, management reporting and supervision of the company's financial managers. Following the announcement of the Regions/AmSouth merger, Kimbrough assumed his most recent position as head of corporate accounting and was named executive vice president in April 2007. Prior to joining the company, Kimbrough served as staff auditor and audit manager at Coopers & Lybrand, now Price Waterhouse Coopers, LLP, from 1986 to 1993. Kimbrough holds a bachelor's degree from Auburn University and is a certified public accountant. He currently serves on Auburn's Accounting Advisory Board and the North Alabama United Methodist Church Council on Finance. He is a member of the Alabama Society of Certified Public Accountants.

Mr. Murray joined what is today known as Morgan Asset Management in June 1972 and is currently a Portfolio Manager for Morgan Asset Management. He is a Portfolio Manager for the RMK Select Large Cap Growth, MidCap Growth and Balanced Mutual Funds. Additionally Mr. Murray manages several large institutional separate accounts. Prior to the merger between AmSouth and Regions in November 2006, Mr. Murray was a Portfolio Manager for legacy Morgan Asset Management serving in a similar role as he is today. Prior to joining, Mr. Murray was a 1st Lieutenant in the U.S. Army. His investment experience began in 1974. Mr. Murray received a B.S. in Marketing from The University of Alabama. Mr. Murray is a CFA charterholder and a current member of the Alabama Financial Analyst Society.

Mr. Williams joined what is today known as Morgan Asset Management in July 2002 and is currently a Regional Portfolio Management head for the Florida region. He is responsible for actively managing personal, charitable, and institutional assets for trust and investment management accounts. Mr. Williams serves on various decision making, oversight, and compliance committees. Prior to the merger between AmSouth and Regions in November 2006, Mr. Williams was a Portfolio Manager for AmSouth Asset Management, Inc. Mr. Williams’s industrial experience began in 1985. Prior to joining, from 1985-1988, and from 1988-2002, Mr. Williams worked as a Portfolio Manager, and the Director of Portfolio Management at two national banking institutions. Mr. Williams received a B.A. in Economics from Westminster College. Mr. Williams is a Certified Financial Planner (CFP).

Mr. Partridge joined what is today known as Morgan Asset Management in August 2001. He is currently the Head of Fixed Income Credit Analysis and is also responsible for the monitoring of the Security Lending Program. Prior to the merger between AmSouth and Regions in November 2006, Mr. Partridge was the Director of Fixed Income Research for AmSouth Asset Management, Inc. His investment experience began in July 1977. Prior to joining, Mr. Partridge worked at The Retirement Systems of Alabama (RSA) on two occasions (1977-1985; 1994-2001). Over his two terms at the RSA he served as Director of Equities, Director of International Investments, Director of Fixed Income and Chief Economist. Between his two terms at the RSA Mr. Partridge worked from 1990-1994 as a Portfolio Manager and as a Director of Equities from 1985-1990. Mr. Partridge received a B.S. in Corporate Finance and Investment from the University of Alabama and an M.B.A. from Auburn University at Montgomery. Mr. Partridge served three times as President of the CFA Society of Alabama and is currently a board member of the society.

Guillermo R. Araoz joined what is today known as Morgan Asset Management in 2003. Mr. Araoz serves as the Director of Equity Research for Morgan Asset Management. . Prior to the merger between AmSouth and Regions in November 2006, Mr. Araoz was the Director of Equity Research for legacy Morgan Asset Management. Prior to joining, Mr. Araoz worked in the Investment Banking Division of Goldman Sachs evaluating high tech start ups that served the banking industry. Prior to Goldman, Guillermo worked for JP Morgan in the Economic Research and Investment Banking Departments. He holds an MA from the Johns Hopkins School of Advanced International Studies and a BA in Economics from the University of California, Davis. Guillermo is also a CFA charterholder and member of the Alabama Chartered Financial Analyst Society.

Mr. Lincicome joined the firm in March 2008 and is currently a regional portfolio management head for the Arkansas, Texas, Missouri, Illinois, Iowa, Indiana and Kentucky regions. He is responsible for managing personal, charitable, and institutional assets for trust and investment management accounts. Mr. Lincicome serves on various decision making, oversight, and compliance committees. Mr. Lincicome’s industrial experience began in 1987 and he has held portfolio management and investment representative positions at three national investment firms. Mr. Lincicome received a MA in Business Administration, from the University of Texas- Permian Basin and a BS in Engineering Management from the University of Missouri- Rolla. He is a member of the North Little Rock Kiwanis and a member of the Board of Directors for the Central Arkansas Boys & Girls Club. Mr. Lincicome is a CFA charterholder and a current member of the CFA Society of Arkansas.

Mr. Boston joined what is today known as Morgan Asset Management in 1987 and is currently Chief Fixed Income Officer responsible for fixed income strategy and the management of several large institutional accounts. He currently supervises a staff of professionals responsible for the direct management of discretionary fixed income assets. . Prior to the merger between AmSouth and Regions in November 2006, Mr. Boston was the Director of Fixed Income for AmSouth Asset Management, Inc. Mr. Boston's investment experience began when he joined the Trust Investment Department of AmSouth Bank in 1988 and his responsibilities have grown steadily. Mr. Boston received a B.S. in Finance and Political Science from the University of North Alabama. Mr. Boston is a CFA charterholder and a member and past president of the CFA Society of Alabama.

Mr. Morrison joined what is today known as Morgan Asset Management in May of 2000. He is currently a Regional Portfolio Management head responsible for the Tennessee, Mississippi, and Louisiana region. He is responsible for actively managing institutional, personal and charitable assets for trust and investment management portfolios. In this role, he works closely with his clients and administrative officers to help offer the best possible investment management products. Prior to the merger between AmSouth and Regions in November 2006, Mr. Morrison was a Portfolio Manager for legacy Morgan Asset Management. Mr. Morrison’s industrial experience began in 1989. Prior to joining, from 1990-1994 he served as Consultant for Gerber-Taylor Associates, where he provided investment consulting for high net worth clients, as well as, managed a Fund of Funds Hedge Fund. From 1994-2000 he was the Principal and Owner of Wallace-Morrison Capital Advisors. Mr. Morrison received a B.S. in Mathematics and Computer Science from Vanderbilt University, as well as a Masters in Business Administration from Owen Graduate School. Mr. Morrison is a Chartered Financial Analyst (CFA) charterholder and a member of the Memphis Society of Financial Analysts.

Mr. Smith joined what is today known as Morgan Asset Management in June 1988 and is currently a Regional Portfolio Management head for the Alabama, Georgia, North Carolina, South Carolina & Virginia regions. He is responsible for actively managing personal, charitable, and institutional assets for trust and investment management accounts. Mr. Smith serves on various decision making, oversight, and compliance committees. Prior to the merger between AmSouth and Regions in November 2006, Mr. Smith was a Portfolio Manager for AmSouth Asset Management, Inc. Mr. Smith’ industrial experience began in 1988. Prior to joining, from 1985-1988, Mr. Smith worked as an Admissions Assistant for the University of Alabama. Mr. Smith received a B.S. from the University of South Alabama and a M.A. in Finance from the University of Alabama. Mr. Smith is a CFA charterholder and a current member of the CFA Society of Alabama.

Grayson Hall, 51, is Vice Chairman of Regions Financial Corporation and is a member of the company’s Executive Council. Grayson manages the General Banking Group, which includes all banking offices across a 16-state footprint, Morgan Keegan, Operations and Technology, and Corporate Marketing. Regions is a top U. S. bank-holding company headquartered in Birmingham, Alabama, with $144 billion in assets, operating over 2,000 branches. Grayson joined Regions in 1980 as a participant in the management trainee program. He has served in roles of increasing responsibility including head of the Operations and Technology Group from 1993 to 2004, manager of all lines of business (Consumer Banking, Commercial Banking, and Wealth Management) from 2005 to 2006. Grayson was named head of the General Banking Group in 2006 and, in 2008, was elected Vice Chairman and a member of the Boards of Directors of Regions Financial Corporation and Regions Bank. Grayson graduated from The University of the South, Sewanee, Tennessee, in 1979 with a bachelor’s degree in economics. In 1980, he received a master’s degree in business administration from the University of Alabama, Tuscaloosa, Alabama. Additionally, he is a graduate of the Stonier School of Banking. Grayson is active in several civic and leadership organizations, serving on the boards of Birmingham’s Railroad Park Foundation, Young Business Leaders of Birmingham, and the Alabama Better Business Bureau. He is a 2001 graduate of Leadership Birmingham and has previously served as a leadership volunteer for the United Way of Central Alabama and the Birmingham Chamber of Commerce.

Mr. Hellwig joined what is today known as Morgan Asset Management in October 2000. Mr. Hellwig is currently Head of Equities for Morgan Asset Management. Mr. Hellwig's current responsibilities include oversight of the director of research and the research department, the equity trading department, separate account management of institutional value portfolios, balanced portfolios, and management of two mutual funds. Prior to the merger between AmSouth and Regions in November 2006, Mr. Hellwig was the Director of Equity for legacy Morgan Asset Management. His industry experience began in 1973. Previously, Mr. Hellwig was Chief Investment Strategist for the legacy Union Planters Investment Advisors. Prior to this role, Mr. Hellwig was Vice President at Federated Investors where he Managed separate accounts and asset allocation as sub-advisor to Union Planters. Mr. Hellwig received a BSBA and MBA in Finance and Investments, respectively, from the Washington University (St.Louis University).

McCrary joined the company as an assistant project planning engineer with Alabama Power in 1973. He began his current position in 2001. Previously, McCrary was chief production officer for Southern Company and president and CEO of Southern Power. He has held executive positions at Alabama Power and Southern Nuclear as well as various jobs in engineering, system planning, fuels, and environmental affairs. Born 1951.

Mr. Nielsen is chairman, chief executive officer of Coca-Cola Bottling Company United, Inc. Coca-Cola United is the third largest Coca-Cola Bottler in the U.S. operating 19 franchises in the states of Alabama, Georgia, Louisiana, Mississippi, Tennessee and South Carolina.

Mr. Deavenport has served as a Director since October 2007. He is the retired Chairman and Chief Executive Officer of Eastman Chemical Company, and served in those positions from 1994 to 2002. Mr. Deavenport served as a director of Acuity Brands from June 2002 until October 2007. Mr. Deavenport serves as Lead Director, is Chairman of our Compensation Committee and is a member of our Nominating and Corporate Governance Committee. He is a director of King Pharmaceuticals, Inc. and Regions Financial Corporation.

Lee J. Styslinger, III has been a Regions Financial Corporation board member since 2003. Chief executive officer for Altec, Inc., a designer, manufacturer and marketer of equipment for the electric and telecommunications industries, he has served on the board of directors for Regions Bank in Birmingham since 1994. He also currently serves on the boards of Altec, American Assurance Corporation, the Birmingham Zoo and Birmingham's Entrepreneurial Center. He is a member of the Newcomen Society of the United States, Birmingham Chamber of Commerce, Young Presidents' Organization, Society of International Business Fellows and National Association of Manufacturers. Mr. Styslinger has also served on the boards of the American Red Cross, United Way of Central Alabama, Literacy Council and Baylor School.