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| REGIONS FINANCIAL CORPORATION | ||
| by | /s/ C. DOWD RITTER | |
| C. Dowd Ritter Chief Executive Officer | ||
| by | /s/ IRENE M. ESTEVES | |
| Irene M. Esteves Chief Financial Officer | ||
| REGIONS FINANCIAL CORPORATION | ||
| By: |
/S/ C. DOWD RITTER | |
| C. Dowd Ritter | ||
| Chairman and Chief Executive Officer | ||