%PDF-1.5 1 0 obj <> endobj 3 0 obj <> endobj 4 0 obj <> stream BT /F1 9.00 Tf ET 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 74.5 738 m 230.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 738 m 364.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 738 m 536.5 738 l s BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.75 742.67 Td (DFA Resolution Plan - Public Section) Tj ET Q BT /F2 10.00 Tf ET BT /F3 36.00 Tf ET q 0 0 0 rg BT 176.20 555.60 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 309.64 555.60 Td (T) Tj ET Q q 0 0 0 rg BT 327.64 555.60 Td (ailored ) Tj ET Q BT /F3 36.00 Tf ET q 0 0 0 rg BT 179.90 505.20 Td (Resolution Plan) Tj ET Q BT /F3 28.00 Tf ET q 0 0 0 rg BT 217.25 466.00 Td (Public Section) Tj ET Q BT /F4 36.00 Tf ET q 0 0 0 rg BT 151.95 369.40 Td (Regions Financial ) Tj ET Q BT /F4 36.00 Tf ET q 0 0 0 rg BT 203.00 319.00 Td (Corporation) Tj ET Q BT /F3 14.00 Tf ET q 0 0 0 rg BT 72.00 78.20 Td (Plan submission Date: December 31, 2013) Tj ET Q /GS0 gs q 135.16 0 0 25.00 77.00 741.52 cm /I1 Do Q endstream endobj 5 0 obj <><><><><><><><><><><><><><><><><><><><><><><><>] /Rotate 0 /Contents 6 0 R>> endobj 6 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 74.5 738 m 230.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 738 m 364.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 738 m 536.5 738 l s BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.75 742.67 Td (DFA Resolution Plan - Public Section) Tj ET Q BT /F2 10.00 Tf ET BT /F4 12.00 Tf ET q 0 0 0 rg BT 255.75 695.75 Td (T) Tj ET Q q 0 0 0 rg BT 262.19 695.75 Td (able of Contents ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 75.00 651.65 Td (A.1.) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 75.00 637.65 Td (A.2.) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 75.00 623.65 Td (A.3.) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 75.00 609.65 Td (A.4.) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 75.00 595.65 Td (A.5.) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 75.00 581.65 Td (A.6.) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 75.00 567.65 Td (A.7.) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 75.00 553.65 Td (A.8.) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 75.00 539.65 Td (A.9.) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 75.00 525.65 Td (A.10.) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 75.00 511.65 Td (A.11.) 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Public Section) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 557.00 60.60 Td (3) Tj ET Q BT /F4 14.00 Tf ET q 0 0 0 rg BT 72.00 698.50 Td (Introduction) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 678.35 Td (T) Tj ET Q q 0 0 0 rg BT 77.50 678.35 Td (o promote financial stability) Tj ET Q q 0 0 0 rg BT 209.36 678.35 Td (, Section 165\(d\) of the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 381.18 678.35 Td (Act requires each nonbank ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 663.15 Td (financial company supervised by the Board of Governors of the Federal Reserve System \(the ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 647.95 Td (Board\) and each bank holding company with total consolidated assets of $50 billion or more ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 632.80 Td (\(each a covered company\) to periodically submit to the Board and the Federal Deposit ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 617.60 Td (Insurance Corporation \(FDIC\) a plan for such company) Tj ET Q q 0 0 0 rg BT 349.36 617.60 Td (s rapid and orderly resolution in the ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 602.45 Td (event of material financial distress or failure. On October 17, 201) Tj ET Q q 0 0 0 rg BT 385.45 602.45 Td (1, the FDIC, together with the ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 587.25 Td (Board, released the final rule \(the T) Tj ET Q q 0 0 0 rg BT 247.68 587.25 Td (itle 1 Rule\) implementing the requirement in Dodd-Frank ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 572.05 Td (that covered companies prepare resolution plans. ) Tj ET Q q 0 0 0 rg BT 315.37 572.05 Td (Additionally) Tj ET Q q 0 0 0 rg BT 370.81 572.05 Td (, to protect insured depositors and ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 556.90 Td (to enable the FDIC to perform its resolution functions most ef) Tj ET Q q 0 0 0 rg BT 368.33 556.90 Td (ficiently) Tj ET Q q 0 0 0 rg BT 404.19 556.90 Td (, the FDIC has adopted a ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 541.70 Td (separate rule \(the IDI Rule\) requiring each Insured Depository Institution \(IDI\) with $50 billion ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 526.55 Td (or more in total assets to periodically submit a resolution plan to the FDIC) Tj ET Q BT /F3 11.00 Tf ET BT /F3 7.15 Tf ET q 0 0 0 rg BT 429.05 531.80 Td (1) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 433.03 526.55 Td (. Regions Bank with ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 511.35 Td (total assets of approximately ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 214.46 511.35 Td ($120 billion) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 270.11 511.35 Td ( is therefore required to submit a resolution plan under ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 496.15 Td (the IDI Rule. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 476.00 Td (On May 29, 2013, Regions Financial Corporation \(the Parent\), received approval from the ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 460.80 Td (Board and the FDIC that it may choose to file a tailored resolution plan for its 2013 submission. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 445.65 Td (On September 3, 2013, the Board and the FDIC jointly released an optional model template for ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 430.45 Td (tailored resolution plans. Our resolution plan for 2013 follows the optional model template. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 408.25 Td (The Parent, with approximately ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 226.68 408.25 Td ($121 billion) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 282.34 408.25 Td ( in assets, is a full-service provider of consumer and ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 393.10 Td (commercial banking required to submit a resolution plan under the Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 457.82 393.10 Td (Act and the ) Tj ET Q q 0 0 0 rg BT 516.32 393.10 Td (T) Tj ET Q q 0 0 0 rg BT 522.63 393.10 Td (itle ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 377.90 Td (I Rule. ) Tj ET Q q 0 0 0 rg BT 109.71 377.90 Td (The Parent conducts banking operations through Regions Bank \(Regions Bank or the ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 362.75 Td (Bank\), a wholly owned subsidiary of the Parent. ) Tj ET Q q 0 0 0 rg BT 313.92 362.75 Td (The Bank represents the vast majority of all ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 347.55 Td (activity within the Parent. ) Tj ET Q q 0 0 0 rg BT 196.52 347.55 Td (The Parent and the Bank are collectively referred to as the Company ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 332.35 Td (\(the Company\). ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 310.20 Td (Regions Bank is a full-service institution with a range of financial products and services ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 295.00 Td (including traditional banking, wealth management, trust, mortgage banking, and insurance. ) Tj ET Q q 0 0 0 rg BT 515.74 295.00 Td (The ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 279.85 Td (Bank operates in approximately 1,700 of) Tj ET Q q 0 0 0 rg BT 268.70 279.85 Td (fices and has approximately 2,000 ) Tj ET Q q 0 0 0 rg BT 438.08 279.85 Td (A) Tj ET Q q 0 0 0 rg BT 444.60 279.85 Td (TMs across a 16-) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 264.65 Td (state geographic footprint: ) Tj ET Q q 0 0 0 rg BT 201.64 264.65 Td (Alabama, ) Tj ET Q q 0 0 0 rg BT 250.56 264.65 Td (Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 249.45 Td (Kentucky) Tj ET Q q 0 0 0 rg BT 116.43 249.45 Td (, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, ) Tj ET Q q 0 0 0 rg BT 437.81 249.45 Td (T) Tj ET Q q 0 0 0 rg BT 443.31 249.45 Td (ennessee, ) Tj ET Q q 0 0 0 rg BT 496.93 249.45 Td (T) Tj ET Q q 0 0 0 rg BT 502.43 249.45 Td (exas ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 234.30 Td (and V) Tj ET Q q 0 0 0 rg BT 100.55 234.30 Td (irginia. Regions Bank has robust Capital, Liquidity and Contingency Funding Plans that ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 219.10 Td (detail the actions it would take to avoid failure by staying well-capitalized and well-funded in ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 203.95 Td (adverse scenarios. In the hypothetical and unlikely event that Regions Bank was in danger of ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 188.75 Td (failure, and the Company) Tj ET Q q 0 0 0 rg BT 197.15 188.75 Td (s Capital, Liquidity and Contingency Funding Plans or a timely private ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 173.55 Td (sector alternative were not able to prevent such a failure or default, Regions Bank would be ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 158.40 Td (subject to the FDIC receivership process under the Federal Deposit Insurance ) Tj ET Q q 0 0 0 rg BT 454.14 158.40 Td (Act \(the FDIA\).) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 136.20 Td (The Parent) Tj ET Q q 0 0 0 rg BT 128.67 136.20 Td (s Resolution Plan Public Section provides insight into the Company) Tj ET Q q 0 0 0 rg BT 458.04 136.20 Td (s businesses ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 121.05 Td (and processes and serves as a high-level overview of the Resolution Plan \(Plan\).The Parent) Tj ET Q q 0 0 0 rg BT 530.98 121.05 Td (s ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 105.85 Td (Resolution Plan presents executable resolution strategies in the unlikely event of failure.) Tj ET Q BT /F3 9.00 Tf ET BT /F3 5.85 Tf ET q 0 0 0 rg BT 72.00 90.74 Td (1) Tj ET Q BT /F3 9.00 Tf ET q 0 0 0 rg BT 75.25 86.45 Td ( ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 77.75 86.45 Td ( Federal Deposit Insurance Corporation, Resolution Plans Required for Insured Depository Institutions with $50 billion or More ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 72.00 74.00 Td (in ) Tj ET Q q 0 0 0 rg BT 81.09 74.00 Td (T) Tj ET Q q 0 0 0 rg BT 85.96 74.00 Td (otal ) Tj ET Q q 0 0 0 rg BT 101.21 74.00 Td (Assets, 77 Fed. Reg. 3075 \(Jan. 23, 2012\).) 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Critical operations are ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 618.65 Td (those operations, including associated services, functions and support the failure or ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 603.45 Td (discontinuance of which, in the view of the covered company or as jointly directed by the Board ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 588.30 Td (and the FDIC, would pose a threat to the financial stability of the United States. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 568.10 Td (In determining which entities of the Company were Material Entities, consideration was given to ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 552.95 Td (several factors:) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 90.00 532.75 Td ( ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 532.75 Td (Percent of total assets) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 90.00 517.55 Td ( ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 517.55 Td (Business purpose and mapping to core business lines and critical operations) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 90.00 502.40 Td ( ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 502.40 Td (Legal or regulatory requirements) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 90.00 487.20 Td ( ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 487.20 Td (Impact on customer retention or growth) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 467.05 Td (A) Tj ET Q q 0 0 0 rg BT 78.73 467.05 Td ( determination was made that the Parent has no material non-bank entities. ) Tj ET Q q 0 0 0 rg BT 447.44 467.05 Td (As of December ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 451.85 Td (31, 2012, the Parent) Tj ET Q q 0 0 0 rg BT 173.93 451.85 Td (s IDI, Regions Bank, represented the vast majority of the Parent) Tj ET Q q 0 0 0 rg BT 487.39 451.85 Td (s assets. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 436.65 Td (Furthermore, the remaining 18 subsidiaries and two standalone non-profit entities do not ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 421.50 Td (provide operations or services that are material to the Company) Tj ET Q q 0 0 0 rg BT 384.23 421.50 Td (s operations or customer ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 406.30 Td (retention and growth. For purposes of this Plan, Regions Financial Corporation is the only ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 391.15 Td (material entity) Tj ET Q q 0 0 0 rg BT 139.65 391.15 Td (.) Tj ET Q /GS0 gs q 135.16 0 0 25.00 77.00 741.52 cm /I4 Do Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 74.5 738 m 230.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 738 m 364.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 738 m 536.5 738 l s BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.75 742.67 Td (DFA Resolution Plan - Public Section) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 557.00 48.60 Td (5) Tj ET Q BT /F4 14.00 Tf ET q 0 0 0 rg BT 72.00 693.50 Td (A.2. Description of Core Business Lines ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 651.75 Td (Core Business Lines means those business lines, including associated operations, services, ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 636.60 Td (functions and support that, in the firm) Tj ET Q q 0 0 0 rg BT 255.23 636.60 Td (s view) Tj ET Q q 0 0 0 rg BT 285.19 636.60 Td (, upon failure would result in a material loss of ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 621.40 Td (revenue, profit, or franchise value. ) Tj ET Q q 0 0 0 rg BT 241.17 621.40 Td (The Bank forms the core and the vast majority of the ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 606.25 Td (business of the Company) Tj ET Q q 0 0 0 rg BT 195.31 606.25 Td (. ) Tj ET Q q 0 0 0 rg BT 201.22 606.25 Td (The substantial majority of the Company) Tj ET Q q 0 0 0 rg BT 400.34 606.25 Td (s business activities, assets, ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 591.05 Td (income, support services, employees and third-party relationships occur within the Bank. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 575.85 Td (Therefore, the Parent has no material non-bank Core Business Lines.) Tj ET Q /GS0 gs q 135.16 0 0 25.00 77.00 741.52 cm /I5 Do Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 74.5 738 m 230.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 738 m 364.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 738 m 536.5 738 l s BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.75 742.67 Td (DFA Resolution Plan - Public Section) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 557.00 48.60 Td (6) Tj ET Q BT /F4 14.00 Tf ET q 0 0 0 rg BT 72.00 717.85 Td (A.3. Consolidated Financial Information Regarding ) Tj ET Q q 0 0 0 rg BT 412.18 717.85 Td (Assets, Liabilities, ) Tj ET Q BT /F4 14.00 Tf ET q 0 0 0 rg BT 72.00 698.50 Td (Capital and Major Funding Sources ) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 72.00 678.35 Td (Financials) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 658.15 Td (The Parent) Tj ET Q q 0 0 0 rg BT 128.67 658.15 Td (s Balance Sheet Summary) Tj ET Q q 0 0 0 rg BT 258.08 658.15 Td (, as filed with the Federal Reserve Board of Governors, ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 642.95 Td (on FR-Y) Tj ET Q q 0 0 0 rg BT 111.94 642.95 Td (-9C, as of December 31, 2012. ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 454.65 m 480.5 454.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 454.65 m 480.5 454.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 355.65 m 480.5 355.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 355.65 m 480.5 355.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 345.65 m 480.5 345.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 343.65 m 480.5 343.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 343.65 m 480.5 343.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 345.65 m 480.5 345.65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 212.64999999999998 m 480.5 212.64999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 212.64999999999998 m 480.5 212.64999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 124.64999999999998 m 480.5 124.64999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 124.64999999999998 m 480.5 124.64999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 102.64999999999998 m 480.5 102.64999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 102.64999999999998 m 480.5 102.64999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 91.64999999999998 m 480.5 91.64999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 91.64999999999998 m 480.5 91.64999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 81.64999999999998 m 480.5 81.64999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 79.64999999999998 m 480.5 79.64999999999998 l s BT /F5 10.00 Tf ET q 0 0 0 rg BT 133.00 599.43 Td ( Regions Financial Corporation and Subsidiaries) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 133.00 588.43 Td (December 31, 2012) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 577.96 Td ( \(Dollars in Thousands\)) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 353.20 567.10 Td ( Regions Financial Consolidated) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 133.00 556.10 Td ( Assets:) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 544.96 Td (Cash and Noninterest-bearing Balances) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 544.96 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 544.96 Td (1,970,929) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 533.96 Td (Interest-bearing Balances) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 533.96 Td (3,510,486) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 522.96 Td (Securities Held-to-Maturity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.25 522.96 Td (10,333) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 511.96 Td (Total Avail-for-sale - Fair Value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 511.96 Td (26,686,770) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 500.96 Td (Federal Funds Sold) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 500.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 489.96 Td (Sec. purch. under agree to resell) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 489.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 478.96 Td (Loans & leases held for sale) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 478.96 Td (1,382,707) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 467.96 Td (Loans & leases, net Unearned Inc) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 467.96 Td (73,995,119) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 456.96 Td (LESS: Allowance for Loan and Lease Lo) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 456.96 Td (\(1,918,770) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.00 456.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 445.96 Td (Loans & leases, net Unearned Inc & Allow) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 445.96 Td (72,076,349) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 434.96 Td (Total Trading Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.75 434.96 Td (696,813) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 423.96 Td (Premises and Fixed Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 423.96 Td (2,299,208) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 412.96 Td (Other Real Estate - Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.75 412.96 Td (146,218) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 401.96 Td (Investments in unconsolidated subs - Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.75 401.96 Td (1,152) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 390.96 Td (Goodwill) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 390.96 Td (4,815,638) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 379.96 Td (Other intangible assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.75 379.96 Td (535,963) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 368.96 Td (Total Other Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 368.96 Td (7,214,822) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 346.96 Td (Total Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 346.96 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 346.96 Td (121,347,388) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 324.96 Td (Deposits: Domestic Offices) Tj ET Q BT /F2 9.00 Tf ET 0 0 0 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 352 323.76005859375 m 356.5 323.76005859375 l s q 0 0 0 rg BT 352.00 324.96 Td ($) Tj ET Q BT /F2 9.00 Tf ET 0 0 0 RG /GS0 gs 0.44 w 0 i [] 0 d 1 J 1 j 3 M 436.5 323.76005859375 m 477 323.76005859375 l s q 0 0 0 rg BT 436.50 324.96 Td (95,164,831) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 313.96 Td (Domestic Deposits: Noninterest-bearing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 313.96 Td (29,964,998) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 302.96 Td (Domestic Deposits: Interest-bearing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 302.96 Td (65,199,833) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 291.96 Td (Total Deposits in Foreign Offices) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.75 291.96 Td (310,799) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 280.96 Td (Federal funds Purchased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.25 280.96 Td (20,901) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 269.96 Td (Securities sold) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 269.96 Td (1,427,902) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 258.96 Td (Total trading liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.75 258.96 Td (672,483) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 247.96 Td (Other borrowed money) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 247.96 Td (2,765,768) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 236.96 Td (Subordinated Notes and Debentures) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 236.96 Td (2,686,620) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 225.96 Td (Sub Notes to Uncons trusts issuing TRUPs) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.75 225.96 Td (500,756) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 214.96 Td (Total Other Liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.00 214.96 Td (2,197,054) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 203.96 Td (Total Liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 203.96 Td (105,747,114) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 181.96 Td (Perpetual Preferred Stock & Surplus) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.75 181.96 Td (482,273) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 170.96 Td (Common Stock) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.25 170.96 Td (14,546) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 159.96 Td (Surplus) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 159.96 Td (19,651,391) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 148.96 Td (Undivided Profits/Capital Reserves) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 148.96 Td (\(3,337,893) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.00 148.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 137.96 Td (Accumulated other comprehensive Inc) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.25 137.96 Td (65,449) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 126.96 Td (Other equity capital components) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.00 126.96 Td (\(1,376,641) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 477.00 126.96 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 115.96 Td (Total Bank Holding Company Equity Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 115.96 Td (15,499,125) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 104.96 Td (Noncontrolling \(Minority\) Interests in Cons Cos) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.75 104.96 Td (101,149) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 93.96 Td (Total Equity Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 93.96 Td (15,600,274) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.00 82.96 Td (Total Liabs, Pref. Stock, & Equity Cap) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 82.96 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.00 82.96 Td (121,347,388) Tj ET Q BT /F2 10.00 Tf ET /GS0 gs q 135.16 0 0 25.00 77.00 741.52 cm /I6 Do Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 74.5 738 m 230.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 738 m 364.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 738 m 536.5 738 l s BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.75 742.67 Td (DFA Resolution Plan - Public Section) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 557.00 48.60 Td (7) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 72.00 725.00 Td (Capital Summary ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 704.85 Td (Regulatory Capital) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 684.65 Td (The Company is required to comply with applicable capital adequacy standards established by ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 669.50 Td (the Board. Currently) Tj ET Q q 0 0 0 rg BT 169.62 669.50 Td (, the minimum guidelines to be considered well-capitalized for ) Tj ET Q q 0 0 0 rg BT 472.07 669.50 Td (T) Tj ET Q q 0 0 0 rg BT 478.38 669.50 Td (ier 1 ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 654.30 Td (Leverage, ) Tj ET Q q 0 0 0 rg BT 123.78 654.30 Td (T) Tj ET Q q 0 0 0 rg BT 130.09 654.30 Td (ier 1 Risk-based capital and ) Tj ET Q q 0 0 0 rg BT 268.69 654.30 Td (T) Tj ET Q q 0 0 0 rg BT 274.19 654.30 Td (otal Risk-based capital are 5.0 percent, 6.0 percent ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 639.10 Td (and 10.0 percent, respectively) Tj ET Q q 0 0 0 rg BT 217.94 639.10 Td (. ) Tj ET Q q 0 0 0 rg BT 226.91 639.10 Td (T) Tj ET Q q 0 0 0 rg BT 232.41 639.10 Td (o ensure that current and projected capital levels remain ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 623.95 Td (adequate relative to not only these well-capitalized thresholds but also internal limits, the ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 608.75 Td (Company employs a robust capital planning process. ) Tj ET Q q 0 0 0 rg BT 332.48 608.75 Td (Among other things, this process ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 593.60 Td (continually seeks to evaluate and challenge the adequacy of capital by identifying and ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 578.40 Td (aggregating risks from across the Company to inform the creation of scenarios designed to ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 563.20 Td (stress the unique sensitivities of the Company) Tj ET Q q 0 0 0 rg BT 294.96 563.20 Td (. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 543.05 Td (The Parent) Tj ET Q q 0 0 0 rg BT 128.67 543.05 Td (s regulatory capital summary) Tj ET Q q 0 0 0 rg BT 268.45 543.05 Td (, as found in the Form 10-K filed with the SEC for the ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 526.50 Td (year ended December 31, 2012, is presented below) Tj ET Q q 0 0 0 rg BT 323.94 526.50 Td (.) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 327.00 526.50 Td ( ) Tj ET Q 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 123.5 497 m 404.5 497 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 497 m 487.5 497 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 123.5 403 m 404.5 403 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 403 m 487.5 403 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 123.5 347 m 404.5 347 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 347 m 487.5 347 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 123.5 320 m 404.5 320 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 123.5 318 m 404.5 318 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 320 m 487.5 320 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 318 m 487.5 318 l s BT /F5 10.00 Tf ET q 0 0 0 rg BT 126.00 501.68 Td (Regulatory Capital) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 426.45 501.68 Td (\($ thousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 132.00 487.46 Td (Total Equity Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 487.46 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.15 487.46 Td (15,499,000) Tj ET Q BT /F6 8.00 Tf ET q 0 0 0 rg BT 144.00 474.25 Td (Less: Accumulated Other Comprehensive Income) Tj ET Q BT /F6 8.00 Tf ET q 0 0 0 rg BT 453.95 474.25 Td (\(65,000) Tj ET Q BT /F6 8.00 Tf ET q 0 0 0 rg BT 478.65 474.25 Td (\)) Tj ET Q BT /F6 8.00 Tf ET q 0 0 0 rg BT 144.00 461.25 Td (Less: Disallowed Goodwill and Other Intangibles) Tj ET Q BT /F6 8.00 Tf ET q 0 0 0 rg BT 443.95 461.25 Td (\(4,826,000) Tj ET Q BT /F6 8.00 Tf ET q 0 0 0 rg BT 478.65 461.25 Td (\)) Tj ET Q BT /F6 8.00 Tf ET q 0 0 0 rg BT 144.00 448.25 Td (Less: Disallowed deferred tax asset1) Tj ET Q BT /F6 8.00 Tf ET q 0 0 0 rg BT 453.95 448.25 Td (\(35,000) Tj ET Q BT /F6 8.00 Tf ET q 0 0 0 rg BT 478.65 448.25 Td (\)) Tj ET Q BT /F6 8.00 Tf ET q 0 0 0 rg BT 144.00 435.25 Td (Less: Disallowed Servicing Assets) Tj ET Q BT /F6 8.00 Tf ET q 0 0 0 rg BT 453.95 435.25 Td (\(33,000) Tj ET Q BT /F6 8.00 Tf ET q 0 0 0 rg BT 478.65 435.25 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 132.00 421.46 Td (Qualifying non-controlling interests) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.90 421.46 Td (93,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 132.00 407.46 Td (Qualifying trust preferred securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.40 407.46 Td (501,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 132.00 393.46 Td (Tier 1 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 438.15 393.46 Td (11,134,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 132.00 379.46 Td (Qualifying Subordinated Debt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.65 379.46 Td (1,966,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 132.00 365.46 Td (Allowance for Loan and Lease Losses includible in Tier 22) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.65 365.46 Td (1,170,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 132.00 351.46 Td (Other Tier 2 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 458.40 351.46 Td (2,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 132.00 337.46 Td (Tier 2 Capital) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.65 337.46 Td (3,138,000) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 126.00 323.68 Td (Total Capital) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 407.00 323.68 Td ($) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 433.65 323.68 Td (14,272,000) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 126.00 295.68 Td (Risk Weighted Assets) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 407.00 295.68 Td ($) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 433.65 295.68 Td (92,811,000) Tj ET Q BT /F5 10.00 Tf ET q 0 0 0 rg BT 126.00 265.68 Td (Capital ratios:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 144.00 250.67 Td (Tier 1 common risk-based ratio \(non-GAAP\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.15 250.67 Td (10.84) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 250.67 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 144.00 235.67 Td (Tier 1 capital to total risk-weighted assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.15 235.67 Td (12.00) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 235.67 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 144.00 220.67 Td (Total capital to total risk-weighted assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.15 220.67 Td (15.38) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 220.67 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 144.00 205.67 Td (Tier 1 leverage ratio) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.15 205.67 Td (9.65) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 205.67 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 144.00 190.67 Td (Stockholders equity to total assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.15 190.67 Td (12.77) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 190.67 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 144.00 175.67 Td (Common stockholders equity to total assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.15 175.67 Td (12.38) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 175.67 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 144.00 160.67 Td (Tangible common equity to tangible assets \(non-GAAP\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.15 160.67 Td (8.63) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 160.67 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 126.00 131.25 Td (1. Taxable income from the two previous tax years and one year of projected future taxable income may be) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 126.00 123.25 Td (applied in calculating deferred tax assets for regulatory capital purposes.) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 126.00 109.25 Td (2. Includes $83 million and $78 million in 2012 and 2011, respectively, associated with reserves recorded for) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 126.00 101.25 Td (off-balance sheet credit exposures, including derivatives.) Tj ET Q BT /F2 10.00 Tf ET /GS0 gs q 135.16 0 0 25.00 77.00 741.52 cm /I7 Do Q endstream endobj 17 0 obj <> endobj 18 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 74.5 738 m 230.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 738 m 364.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 738 m 536.5 738 l s BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.75 742.67 Td (DFA Resolution Plan - Public Section) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 557.00 48.60 Td (8) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 72.00 705.90 Td (Major Funding Sources ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 685.75 Td (The Parent is primarily funded by its IDI, Regions Bank.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 665.55 Td (Regions Bank maintains access to and utilizes diverse wholesale and non-wholesale funding ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 650.35 Td (sources. Regions Bank) Tj ET Q q 0 0 0 rg BT 187.36 650.35 Td (s primary source of funding is its deposits, which provided funding for 88 ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 635.20 Td (percent of average interest-earning assets from continuing operations in 2012.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 615.00 Td (Short-term borrowings used as a source of funding include Federal funds purchased, ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 599.85 Td (repurchase agreements and customer-related borrowings. Federal funds purchased and ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 584.65 Td (securities sold under agreements to repurchase used for funding purposes totaled ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 473.74 584.65 Td ($21.5 billion) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 532.45 584.65 Td ( ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 569.45 Td (at December 31, 2012. Short-term borrowings that are the result of customer activity related to ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 554.30 Td (investment opportunities totaled ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 230.37 554.30 Td ( ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 233.43 554.30 Td ( at December 31, 2012. ) Tj ET Q q 0 0 0 rg BT 351.24 554.30 Td (The Bank) Tj ET Q q 0 0 0 rg BT 400.57 554.30 Td (s long-term borrowings ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 539.10 Td (consist primarily of FHLB borrowings, senior notes, subordinated notes and other long-term ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 523.95 Td (notes payable. Long-term borrowings for the Parent totaled ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 362.45 523.95 Td ( ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 365.50 523.95 Td ( and for Regions Bank ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 477.40 523.95 Td ( ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 480.46 523.95 Td ( at ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 508.75 Td (December 31, 2012.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 488.55 Td (The Bank) Tj ET Q q 0 0 0 rg BT 121.33 488.55 Td (s liquidity management function ensures the availability of funds to finance assets ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 473.40 Td (while meeting obligations to debt holders and depositors in normal business conditions. In order ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 458.20 Td (to ensure an appropriate level of liquidity is maintained, the Bank performs specific procedures ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 443.05 Td (including scenario analysis and stress testing at the Bank, holding company) Tj ET Q q 0 0 0 rg BT 439.29 443.05 Td (, and af) Tj ET Q q 0 0 0 rg BT 475.78 443.05 Td (filiate levels. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 427.85 Td (The securities portfolio is one of the Bank) Tj ET Q q 0 0 0 rg BT 276.02 427.85 Td (s primary sources of liquidity as are maturities in the ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 412.65 Td (loan portfolio. ) Tj ET Q /GS0 gs q 135.16 0 0 25.00 77.00 741.52 cm /I8 Do Q endstream endobj 19 0 obj <> endobj 20 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 74.5 738 m 230.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 738 m 364.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 738 m 536.5 738 l s BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.75 742.67 Td (DFA Resolution Plan - Public Section) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 557.00 48.60 Td (9) Tj ET Q BT /F4 14.00 Tf ET q 0 0 0 rg BT 72.00 693.50 Td (A.4. Description of Derivative and Hedging ) Tj ET Q q 0 0 0 rg BT 358.54 693.50 Td (Activities) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 653.15 Td (Regions Bank carries out the Company) Tj ET Q q 0 0 0 rg BT 265.62 653.15 Td (s derivative and hedging activities. Below is a ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 637.95 Td (description of these activities.) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 72.00 617.80 Td (Balance Sheet Hedging) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 597.60 Td (Derivatives entered into by the Bank) Tj ET Q q 0 0 0 rg BT 250.95 597.60 Td (s ) Tj ET Q q 0 0 0 rg BT 259.31 597.60 Td (T) Tj ET Q q 0 0 0 rg BT 265.62 597.60 Td (reasury group to manage interest rate risk and facilitate ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 582.45 Td (asset/liability management strategies are designated as hedging derivatives. Derivative financial ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 567.25 Td (instruments that qualify in a hedging relationship are classified, based on the exposure being ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 552.05 Td (hedged, as either fair value hedges or cash flow hedges. ) Tj ET Q q 0 0 0 rg BT 350.65 552.05 Td (The Bank formally documents all ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 536.90 Td (hedging relationships between hedging instruments and hedged items, as well as its risk ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 521.70 Td (management objective and strategy for entering into various hedging transactions. ) Tj ET Q q 0 0 0 rg BT 474.76 521.70 Td (The Bank ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 506.55 Td (performs periodic assessments to determine whether the hedging relationship has been ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 491.35 Td (ef) Tj ET Q q 0 0 0 rg BT 80.98 491.35 Td (fective in of) Tj ET Q q 0 0 0 rg BT 136.42 491.35 Td (fsetting changes in fair values or cash flows of hedged items and whether the ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 476.15 Td (relationship is expected to continue to be ef) Tj ET Q q 0 0 0 rg BT 283.38 476.15 Td (fective in the future.) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 72.00 435.80 Td (Mortgage Servicing Rights Hedging) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 415.65 Td (Additionally) Tj ET Q q 0 0 0 rg BT 127.44 415.65 Td (, the ) Tj ET Q q 0 0 0 rg BT 151.70 415.65 Td (T) Tj ET Q q 0 0 0 rg BT 158.01 415.65 Td (reasury Group manages the risk associated with hedging Regions Bank) Tj ET Q q 0 0 0 rg BT 509.40 415.65 Td (s ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 400.45 Td (mortgage servicing rights. ) Tj ET Q q 0 0 0 rg BT 203.85 400.45 Td (The majority of hedge positions are through treasury futures, interest ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 385.25 Td (rate swaps and options, or to-be-announced mortgage-backed securities \(TBA) Tj ET Q q 0 0 0 rg BT 456.60 385.25 Td ( MBS\). ) Tj ET Q q 0 0 0 rg BT 496.73 385.25 Td (TBA) Tj ET Q q 0 0 0 rg BT 517.52 385.25 Td ( ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 370.10 Td (MBS are agreements to purchase mortgage-backed securities \(MBS\) at a regular forward ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 354.90 Td (settlement date. Regions Bank accounts for the mortgage servicing rights and the derivatives ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 339.75 Td (used to hedge them using fair market value.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 319.55 Td (The Secondary Marketing Division of the Consumer Lending Group, housed in the Bank, ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 304.35 Td (hedges the risk associated with mortgage pipeline origination by using a combination of ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 289.20 Td (mandatory forward commitments on mortgage backed securities \("MBS"\) and purchased over-) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 274.00 Td (the-counter \("OTC"\) options on MBS. Mandatory forwards sales of MBS are the primary ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 258.85 Td (hedging vehicle for mortgage loan customer rate lock and closed loan positions.) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 72.00 218.45 Td (Capital Markets T) Tj ET Q q 0 0 0 rg BT 162.48 218.45 Td (rading) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 198.30 Td (The Bank) Tj ET Q q 0 0 0 rg BT 121.33 198.30 Td (s Capital Markets group maintains a derivatives trading portfolio of interest rate ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 183.10 Td (swaps, option contracts, futures and forward commitments used to meet the needs of its ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 167.95 Td (customers. ) Tj ET Q q 0 0 0 rg BT 128.65 167.95 Td (The portfolio is used for Business Services client accommodation to help clients ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 152.75 Td (manage market risk. ) Tj ET Q q 0 0 0 rg BT 174.09 152.75 Td (As part of the Bank) Tj ET Q q 0 0 0 rg BT 269.89 152.75 Td (s macro hedging strategy) Tj ET Q q 0 0 0 rg BT 392.58 152.75 Td (, separate derivative contracts ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 137.55 Td (are entered into to reduce overall market risk exposure. ) Tj ET Q q 0 0 0 rg BT 344.49 137.55 Td (The Bank also is subject to the credit ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 122.40 Td (risk of a counterparty that might fail to perform. ) Tj ET Q q 0 0 0 rg BT 302.29 122.40 Td (The contracts in this portfolio do not qualify for ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 107.20 Td (hedge accounting and are marked-to-market through earnings and included in other assets and ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 92.05 Td (other liabilities.) Tj ET Q /GS0 gs q 135.16 0 0 25.00 77.00 741.52 cm /I9 Do Q endstream endobj 21 0 obj <> endobj 22 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 74.5 738 m 230.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 738 m 364.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 738 m 536.5 738 l s BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.75 742.67 Td (DFA Resolution Plan - Public Section) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.00 48.60 Td (10) Tj ET Q BT /F4 14.00 Tf ET q 0 0 0 rg BT 72.00 693.50 Td (A.5. Memberships in Material Payment, Clearing and Settlement ) Tj ET Q BT /F4 14.00 Tf ET q 0 0 0 rg BT 72.00 674.20 Td (Systems) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 632.45 Td (The Parent utilizes the following payment, clearing, and settlement system \(PCS\): ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 90.00 612.25 Td ( ) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 108.00 612.25 Td (The Depository T) Tj ET Q q 0 0 0 rg BT 197.24 612.25 Td (rust & Clearing Corporation ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 345.13 612.25 Td (operates through 10 subsidiaries. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 597.10 Td (Specifically) Tj ET Q q 0 0 0 rg BT 162.21 597.10 Td (, the ) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 186.67 597.10 Td (Depository T) Tj ET Q q 0 0 0 rg BT 253.29 597.10 Td (rust Company) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 327.24 597.10 Td ( is a central securities depository providing ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 581.90 Td (depository and book-entry services for eligible securities and other financial assets to its ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 566.75 Td (participants, which are principally banks and broker-dealers. ) Tj ET Q q 0 0 0 rg BT 406.17 566.75 Td (The National Securities ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 551.55 Td (Clearing Corporation provides clearing, settlement, risk management, central ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 536.35 Td (counterparty services and a guarantee of completion for certain transactions for virtually ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 521.20 Td (all broker-to-broker trades involving equities, corporate and municipal debt, ) Tj ET Q q 0 0 0 rg BT 474.86 521.20 Td (American ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 506.00 Td (depositary receipts, exchange-traded funds and unit investment trusts. ) Tj ET Q q 0 0 0 rg BT 453.27 506.00 Td (The Fixed ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 490.85 Td (Income Clearing Corporation \("FICC"\), a U.S. securities clearing agency is owned by its ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 475.65 Td (users, including major banks, broker-dealers and other financial institutions. FICC ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 460.45 Td (operates two divisions, the Government Securities Division and the Mortgage-Backed ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 445.30 Td (Securities Division. Each division of) Tj ET Q q 0 0 0 rg BT 280.82 445.30 Td (fers services to its own members pursuant to ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 430.10 Td (separate rules and procedures.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 389.75 Td (The Bank also utilizes a number of PCSs, as a direct member or customer) Tj ET Q q 0 0 0 rg BT 432.71 389.75 Td (. Examples of these ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 374.55 Td (networks, including networks material to the Bank, are described below:) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 90.00 354.40 Td ( ) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 108.00 354.40 Td (Chicago Mercantile Exchange, Inc.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 288.94 354.40 Td ( is a subsidiary of the Chicago Mercantile ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 339.20 Td (Exchange Group \(CME\). ) Tj ET Q q 0 0 0 rg BT 238.62 339.20 Td (The CME provides financial derivative exchange and clearing ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 324.05 Td (and settlement services for derivative products. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 90.00 308.85 Td ( ) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 108.00 308.85 Td (FedACH ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 154.44 308.85 Td (is a national electronic funds transfer systems that serves to clear debit and ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 293.65 Td (credit payments) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 90.00 278.50 Td ( ) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 108.00 278.50 Td (FedW) Tj ET Q q 0 0 0 rg BT 137.84 278.50 Td (ire Funds Service) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 229.55 278.50 Td ( is a wire transfer service and real-time, gross settlement ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 263.30 Td (system used to send and receive payments that is operated by the Federal Reserve ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 248.15 Td (System. ) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 90.00 232.95 Td ( ) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 108.00 232.95 Td (First Data Star Network) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 229.64 232.95 Td ( is a leading debit network in ) Tj ET Q q 0 0 0 rg BT 370.90 232.95 Td (America providing PIN \(Personal ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 217.75 Td (Identification Number\) secured electronic debit transaction services.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 90.00 202.60 Td ( ) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 108.00 202.60 Td (LCH.Clearnet Ltd.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 200.89 202.60 Td ( is subsidiary of LCH.Clearnet Group, a multinational clearing house ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 187.40 Td (that provides services to major exchanges, platforms, as well as OTC markets. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 172.25 Td (LCH.Clearnet Ltd is a clearing house based in the United Kingdom.) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 90.00 157.05 Td ( ) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 108.00 157.05 Td (MasterCard International) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 237.58 157.05 Td ( is a multi-national electronic payments technology company ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 141.85 Td (that connects consumers, businesses, banks and governments.) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 90.00 126.70 Td ( ) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 108.00 126.70 Td (Shazam ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 152.63 126.70 Td (is a member owned debit network in ) Tj ET Q q 0 0 0 rg BT 331.16 126.70 Td (America providing PIN \(Personal ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 111.50 Td (Identification Number\) secured electronic debit transactions services.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 90.00 96.35 Td ( ) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 108.00 96.35 Td (SVPCO ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 149.57 96.35 Td (is a business of ) Tj ET Q q 0 0 0 rg BT 228.24 96.35 Td (The Clearing House Payments Company LLC that provides ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 81.15 Td (electronic check image exchange services. ) Tj ET Q /GS0 gs q 135.16 0 0 25.00 77.00 741.52 cm /I10 Do Q endstream endobj 23 0 obj <> endobj 24 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 74.5 738 m 230.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 738 m 364.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 738 m 536.5 738 l s BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.75 742.67 Td (DFA Resolution Plan - Public Section) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.35 48.60 Td (1) Tj ET Q q 0 0 0 rg BT 556.98 48.60 Td (1) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 90.00 709.85 Td ( ) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 108.00 709.85 Td (S.W) Tj ET Q q 0 0 0 rg BT 128.17 709.85 Td (.I.F) Tj ET Q q 0 0 0 rg BT 142.84 709.85 Td (.T) Tj ET Q q 0 0 0 rg BT 151.39 709.85 Td (. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 157.51 709.85 Td (is an international messaging system used by Regions Bank to execute non-) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 694.65 Td (dollar settlement of FX deals. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 90.00 679.50 Td ( ) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 108.00 679.50 Td (T) Tj ET Q q 0 0 0 rg BT 113.90 679.50 Td (otal System Services, Inc. \(TSYs\) ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 289.98 679.50 Td (provides processing services and merchant ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 664.30 Td (payment-acceptance solutions including processing credit and debit card transactions. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 90.00 649.10 Td ( ) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 108.00 649.10 Td (V) Tj ET Q q 0 0 0 rg BT 115.14 649.10 Td (iewpointe ) Tj ET Q q 0 0 0 rg BT 168.51 649.10 Td (Archive Services, LLC ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 287.73 649.10 Td (provides check and document image services ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 633.95 Td (along with archival and retrieval services for financial institutions. ) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 90.00 618.75 Td ( ) Tj ET Q BT /F4 11.00 Tf ET q 0 0 0 rg BT 108.00 618.75 Td (V) Tj ET Q q 0 0 0 rg BT 115.14 618.75 Td (isa, Inc.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 155.49 618.75 Td ( is a global payments technology company that connects consumers, ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 108.00 603.60 Td (businesses, banks and governments in more than 200 countries and territories.) Tj ET Q /GS0 gs q 135.16 0 0 25.00 77.00 741.52 cm /I11 Do Q endstream endobj 25 0 obj <> endobj 26 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 74.5 738 m 230.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 738 m 364.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 738 m 536.5 738 l s BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.75 742.67 Td (DFA Resolution Plan - Public Section) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.00 48.60 Td (12) Tj ET Q BT /F4 14.00 Tf ET q 0 0 0 rg BT 72.00 693.50 Td (A.6. Description of Foreign Operations) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 651.75 Td (The Parent does not have any material foreign operations.) Tj ET Q /GS0 gs q 135.16 0 0 25.00 77.00 741.52 cm /I12 Do Q endstream endobj 27 0 obj <> endobj 28 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 74.5 738 m 230.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 738 m 364.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 738 m 536.5 738 l s BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.75 742.67 Td (DFA Resolution Plan - Public Section) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.00 48.60 Td (13) Tj ET Q BT /F4 14.00 Tf ET q 0 0 0 rg BT 72.00 693.50 Td (A.7. Material Supervisory ) Tj ET Q q 0 0 0 rg BT 242.66 693.50 Td (Authorities) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 651.75 Td (The following are the material supervisory authorities for the Parent:) Tj ET Q 0.5725490196078431 0.8156862745098039 0.3137254901960784 rg /GS0 gs 77.50 636.25 169.00 -34.00 re f /GS0 gs 0.5725490196078431 0.8156862745098039 0.3137254901960784 rg /GS0 gs 246.50 636.25 299.00 -34.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 77.5 636.25 m 77.5 602.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 636.25 m 246.5 602.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 77.5 636.25 m 246.5 636.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 77.5 602.25 m 246.5 602.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 545.5 636.25 m 545.5 602.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 636.25 m 545.5 636.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 602.25 m 545.5 602.25 l s 0 0 0 RG /GS0 gs 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m 77.5 314.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 362.25 m 246.5 314.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 77.5 314.25 m 246.5 314.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 545.5 362.25 m 545.5 314.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 314.25 m 545.5 314.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 77.5 314.25 m 77.5 266.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 314.25 m 246.5 266.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 77.5 266.25 m 246.5 266.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 545.5 314.25 m 545.5 266.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 266.25 m 545.5 266.25 l s BT /F4 12.00 Tf ET q 0 0 0 rg BT 93.80 622.66 Td (Regulatory/Supervisory) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 134.80 610.66 Td (Authority) Tj ET Q BT /F4 12.00 Tf ET q 0 0 0 rg BT 338.15 616.66 Td (Activities Regulated) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 80.00 581.66 Td (Federal Reserve Bank of) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 80.00 569.66 Td (Atlanta) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 249.00 587.66 Td (Safety & Soundness, Trust, Information Technology,) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 249.00 575.66 Td (Community Reinvestment Act and Compliance with) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 249.00 563.66 Td (applicable laws and regulations) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 80.00 533.66 Td (Board of Governors of the) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 80.00 521.66 Td (Federal Reserve System) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 249.00 539.66 Td (Safety & Soundness, Trust, Information Technology,) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 249.00 527.66 Td (Community Reinvestment Act and Compliance with) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 249.00 515.66 Td (applicable laws and regulations) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 80.00 485.66 Td (State of Alabama Banking) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 80.00 473.66 Td (Department) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 249.00 485.66 Td (Safety & Soundness, Trust, Information Technology,) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 249.00 473.66 Td (and Compliance with applicable laws and regulations) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 80.00 437.66 Td (Federal Deposit Insurance) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 80.00 425.66 Td (Corporation \(FDIC\)) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 249.00 443.66 Td (Safety & Soundness, Trust, Information Technology,) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 249.00 431.66 Td (Community Reinvestment Act and Compliance with) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 249.00 419.66 Td (Consumer Protection Laws) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 80.00 389.66 Td (Consumer Financial) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 80.00 377.66 Td (Protection Bureau \(CFPB\)) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 249.00 383.66 Td (Federal Consumer Financial Laws) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 80.00 341.66 Td (Securities and Exchange) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 80.00 329.66 Td (Commission \(SEC\)) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 249.00 341.66 Td (Primary overseer and regulator of the U.S. securities) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 249.00 329.66 Td (markets) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 80.00 293.66 Td (Financial Industry Regulatory) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 80.00 281.66 Td (Authority \(FINRA\)) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 249.00 293.66 Td (Self regulatory agency \("SRO"\) of member securities) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 249.00 281.66 Td (firms) Tj ET Q BT /F2 10.00 Tf ET BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 226.40 Td (The Parent is registered with the Board as a bank holding company and has elected to be ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 211.25 Td (treated as a financial holding company under the Bank Holding Company ) Tj ET Q q 0 0 0 rg BT 430.34 211.25 Td (Act of 1956, as ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 196.05 Td (amended \(BHC ) Tj ET Q q 0 0 0 rg BT 153.93 196.05 Td (Act\). ) Tj ET Q q 0 0 0 rg BT 182.65 196.05 Td (As such, the Parent and its subsidiaries are subject to the supervision, ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 180.85 Td (examination and reporting requirements of the BHC ) Tj ET Q q 0 0 0 rg BT 325.75 180.85 Td (Act and the regulations of the Board. ) Tj ET Q q 0 0 0 rg BT 507.17 180.85 Td (The ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 165.70 Td (Parent conducts its banking operations through Regions Bank.) 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Regions Bank is an ) Tj ET Q q 0 0 0 rg BT 302.53 668.75 Td (Alabama state-chartered bank and a member of ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 653.55 Td (the Federal Reserve System. It is generally subject to supervision and examination by both the ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 638.40 Td (Board and the ) Tj ET Q q 0 0 0 rg BT 143.56 638.40 Td (Alabama Banking Department. ) Tj ET Q q 0 0 0 rg BT 296.22 638.40 Td (The Board and the ) Tj ET Q q 0 0 0 rg BT 389.79 638.40 Td (Alabama Banking Department ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 623.20 Td (regularly examine the operations of Regions Bank and are given authority to approve or ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 608.05 Td (disapprove mergers, acquisitions, consolidations, the establishment of branches and similar ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 592.85 Td (corporate actions. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 572.65 Td (Regions Bank is subject to numerous statutes and regulations that af) Tj ET Q q 0 0 0 rg BT 406.89 572.65 Td (fect its business activities ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 557.50 Td (and operations, including various consumer protection laws and regulations. Depository ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 542.30 Td (institutions with assets exceeding $10 billion, such as Regions Bank, their af) Tj ET Q q 0 0 0 rg BT 442.34 542.30 Td (filiates, and other ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 527.15 Td (larger participants in the markets for consumer financial services \(as determined by the CFPB\) ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 511.95 Td (are subject to direct supervision by the CFPB, including any applicable examination, ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 496.75 Td (enforcement and reporting requirements the CFPB may establish. ) Tj ET Q q 0 0 0 rg BT 394.83 496.75 Td (As such, the Bank is also ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 481.60 Td (subject to supervision by CFPB. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 461.40 Td (The Parent, as a publicly traded entity on the New ) Tj ET Q q 0 0 0 rg BT 318.22 461.40 Td (Y) Tj ET Q q 0 0 0 rg BT 324.54 461.40 Td (ork Stock Exchange, is subject to applicable ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 446.25 Td (SEC regulations and financial filing requirements.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 426.05 Td (The Parent) Tj ET Q q 0 0 0 rg BT 128.67 426.05 Td (s recently formed broker dealer arm, Regions Securities LLC, is also subject to ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 410.85 Td (regulation and supervision by FINRA. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 390.70 Td (The Parent) Tj ET Q q 0 0 0 rg BT 128.67 390.70 Td (s insurance agency subsidiaries, not material under Section 165\(d\) and the ) Tj ET Q q 0 0 0 rg BT 496.57 390.70 Td (T) Tj ET Q q 0 0 0 rg BT 502.88 390.70 Td (itle 1 ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 375.50 Td (Rule, are regulated by their respective State Insurance Commissioners.) 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BT 75.00 572.44 Td (O.B. Grayson Hall Jr.*) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 190.00 577.94 Td (President and Chief Executive Officer and Director,) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 190.00 566.94 Td (Regions and Regions Bank.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 471.75 572.44 Td (1993) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 75.00 531.44 Td (David B. Edmonds) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 190.00 536.94 Td (Chief Administrative Officer and Senior Executive) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 190.00 525.94 Td (Vice President, Regions and Regions Bank.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 471.75 531.44 Td (1994) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 75.00 495.94 Td (Fournier J. Boots) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 75.00 484.94 Td (Gale III) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 190.00 500.74 Td (Senior Executive Vice President, General Counsel) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 190.00 489.74 Td (and Corporate Secretary, Regions and Regions) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 190.00 478.74 Td (Bank.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 471.75 490.44 Td (2011) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 75.00 449.44 Td (C. Matthew Lusco) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 190.00 454.94 Td (Senior Executive Vice President and Chief Risk) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 190.00 443.94 Td (Officer, Regions and Regions Bank.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 471.75 449.44 Td (2011) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 75.00 408.44 Td (John B. Owen) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 190.00 413.94 Td (Senior Executive Vice President and Head of) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 190.00 402.94 Td (Business Lines, Regions and Regions Bank.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 471.75 408.44 Td (2009) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 75.00 367.44 Td (David J. Turner, Jr.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 190.00 372.94 Td (Senior Executive Vice President and Chief) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 190.00 361.94 Td (Financial Officer, Regions and Regions Bank.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 471.75 367.44 Td (2010) Tj ET Q BT /F2 10.00 Tf ET BT /F3 12.00 Tf ET q 0 0 0 rg BT 72.00 306.65 Td (* Ef) Tj ET Q q 0 0 0 rg BT 91.13 306.65 Td (fective May 16, 2013, the positions of Chairman and CEO were combined and Mr) Tj ET Q q 0 0 0 rg BT 522.02 306.65 Td (. ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 72.00 290.10 Td (Hall) Tj ET Q q 0 0 0 rg BT 95.12 290.10 Td (s title became Chairman, President and Chief Executive Of) Tj ET Q q 0 0 0 rg BT 407.72 290.10 Td (ficer) Tj ET Q q 0 0 0 rg BT 429.73 290.10 Td (. ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 72.00 268.55 Td (As of December 31, 2013 there were no changes to the composition of the Executive ) Tj ET Q BT /F3 12.00 Tf ET q 0 0 0 rg BT 72.00 251.95 Td (Council of the Parent and the Bank.) Tj ET Q /GS0 gs q 135.16 0 0 25.00 77.00 741.52 cm /I15 Do Q endstream endobj 33 0 obj <> endobj 34 0 obj <> stream BT /F1 9.00 Tf ET BT /F1 9.00 Tf ET 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 74.5 738 m 230.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 738 m 364.5 738 l s 0 0 0 RG /GS0 gs 2.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 738 m 536.5 738 l s BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.75 742.67 Td (DFA Resolution Plan - Public Section) Tj ET Q BT /F2 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 552.00 48.60 Td (16) Tj ET Q BT /F4 14.00 Tf ET q 0 0 0 rg BT 72.00 693.50 Td (A.9. Resolution Planning Corporate Governance) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 651.75 Td (The Parent) Tj ET Q q 0 0 0 rg BT 128.67 651.75 Td (s Corporate Governance Structure, established and approved by the Parent) Tj ET Q q 0 0 0 rg BT 499.63 651.75 Td (s Board ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 636.60 Td (of Directors \(the Board of Directors\), consists of committees, working groups, processes, and ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 621.40 Td (procedures and provides a framework by which the Company is directed and controlled.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 601.25 Td (Ultimate authority and responsibility for the Parent) Tj ET Q q 0 0 0 rg BT 317.59 601.25 Td (s Resolution Plan rests with the Board of ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 586.05 Td (Directors. ) Tj ET Q q 0 0 0 rg BT 121.92 586.05 Td (The Resolution Planning Executive Steering Committee \(RPSC\), an Executive ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 570.85 Td (Council-Sponsored Committee, was created in 2013. In accordance with the Company) Tj ET Q q 0 0 0 rg BT 494.91 570.85 Td (s ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 555.70 Td (Corporate Governance Structure, resolution planning oversight responsibilities have been ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 540.50 Td (delegated by the Board of Directors to the RPSC. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 520.35 Td (RPSC participants include the Chief Risk Of) Tj ET Q q 0 0 0 rg BT 285.78 520.35 Td (ficer) Tj ET Q q 0 0 0 rg BT 305.95 520.35 Td (, Chief Financial Of) Tj ET Q q 0 0 0 rg BT 399.29 520.35 Td (ficer) Tj ET Q q 0 0 0 rg BT 419.47 520.35 Td (, General Counsel, ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 505.15 Td (Director of Market & Liquidity Risk, Resolution Planning Manager) Tj ET Q q 0 0 0 rg BT 387.48 505.15 Td (, Corporate ) Tj ET Q q 0 0 0 rg BT 445.37 505.15 Td (T) Tj ET Q q 0 0 0 rg BT 451.68 505.15 Td (reasurer and ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 489.95 Td (Director of Internal ) Tj ET Q q 0 0 0 rg BT 164.93 489.95 Td (Audit.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 469.80 Td (The Resolution Planning W) Tj ET Q q 0 0 0 rg BT 205.10 469.80 Td (orking Group \(W) Tj ET Q q 0 0 0 rg BT 289.25 469.80 Td (orking Group\) was formed under the RPSC as a ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 454.60 Td (cross-functional team consisting of executive representatives from business lines and required ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 439.45 Td (services from across the Company) Tj ET Q q 0 0 0 rg BT 240.52 439.45 Td (. ) Tj ET Q q 0 0 0 rg BT 246.43 439.45 Td (The Resolution Planning Core ) Tj ET Q q 0 0 0 rg BT 396.04 439.45 Td (T) Tj ET Q q 0 0 0 rg BT 401.54 439.45 Td (eam \(Core ) Tj ET Q q 0 0 0 rg BT 460.02 439.45 Td (T) Tj ET Q q 0 0 0 rg BT 465.52 439.45 Td (eam\) and ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 424.25 Td (Project Management Of) Tj ET Q q 0 0 0 rg BT 187.97 424.25 Td (fice \(PMO\) are sub-committees that support and report up to the ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 409.05 Td (W) Tj ET Q q 0 0 0 rg BT 82.18 409.05 Td (orking Group and RPSC on the resolution planning process and progress.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 388.90 Td (The organizational structure of the Parent) Tj ET Q q 0 0 0 rg BT 276.64 388.90 Td (s Resolution Planning and its related processes and ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 373.70 Td (procedures are integrated into the Risk Management Organizational Structure and Governance ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 358.55 Td (as well.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 338.35 Td (The Parent has established that the Core ) Tj ET Q q 0 0 0 rg BT 275.42 338.35 Td (T) Tj ET Q q 0 0 0 rg BT 280.92 338.35 Td (eam, led by the Director of Market and Liquidity Risk, ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 323.15 Td (is responsible for coordinating the development and evolution of future Resolution Plan ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 308.00 Td (submissions, ongoing review) Tj ET Q q 0 0 0 rg BT 212.02 308.00 Td (, revisions and maintenance of the plans as well as the execution ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 292.80 Td (of actions which address potential impediments to an orderly resolution.) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 272.65 Td (The Board of Directors has reviewed and approved the final Resolution Plan.) 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Description of Material Management Information Systems) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 651.75 Td (The Company utilizes multiple management information systems and applications for risk ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 636.60 Td (management, accounting, financial, operational, and regulatory data generation and reporting. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 621.40 Td (For resolution planning purposes, critical systems have been identified as including those ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 606.25 Td (required to maintain day-to-day business operations and compliance with regulatory ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 591.05 Td (requirements for up to six months. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 570.85 Td (The Operations and ) Tj ET Q q 0 0 0 rg BT 172.08 570.85 Td (T) Tj ET Q q 0 0 0 rg BT 177.58 570.85 Td (echnology function supports the Company) Tj ET Q q 0 0 0 rg BT 385.29 570.85 Td (s systems to ensure that they ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 555.70 Td (are operational and support internal, regulatory and customer-facing business requirements.) 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High-level Description of Resolution Strategy) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 651.75 Td (Under Section 165\(d\), the Resolution Plan must address strategies for a quick and orderly ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 636.60 Td (resolution of the Parent which avoids any systemic risk to the U.S. financial system and the ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 621.40 Td (broader U.S. economy) Tj ET Q q 0 0 0 rg BT 181.24 621.40 Td (. ) Tj ET Q q 0 0 0 rg BT 187.15 621.40 Td (The rules and supervisory guidance for the Resolution Plan provide the ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 606.25 Td (assumption that in the unlikely event of a failure, idiosyncratic events specific to the Bank led to ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 591.05 Td (the Parent) Tj ET Q q 0 0 0 rg BT 125.00 591.05 Td (s failure. In addition, other financial institutions and broader markets are not exposed ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 575.85 Td (to similar stress situations. ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 555.70 Td (Upon failure of the Bank, the Parent would either commence a proceeding under Chapter 1) Tj ET Q q 0 0 0 rg BT 514.51 555.70 Td (1 of ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 540.50 Td (the U.S. Bankruptcy Code in order to reorganize or) Tj ET Q q 0 0 0 rg BT 319.02 540.50 Td (, more likely) Tj ET Q q 0 0 0 rg BT 376.88 540.50 Td (, liquidate its remaining assets in ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 525.35 Td (an orderly fashion, or commence a proceeding under Chapter 7 of the U.S. Bankruptcy Code in ) Tj ET Q BT /F3 11.00 Tf ET q 0 0 0 rg BT 72.00 510.15 Td (order to liquidate remaining assets.) 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