Introduction
Welcome to internet banking at Regions Bank. This Agreement and Disclosure Statement for RegionsNet Online Banking and Official Statements (the "Agreement") describes the terms and conditions for the use of our RegionsNet online banking and bill payment services, described in Part A below (the "Online Service"), and our RegionsNet official statements service described in Part B below (the "Statement Service"). You should read this Agreement carefully and keep an electronic or hard copy of it with your other account records. The Agreement consists of an Introduction section and three main parts:

Part A provides the terms and conditions for use of the Online Service. In order to use the Online Service described in Part A, you must have at least one checking account with us that is eligible for the Online Service, you must enroll for the Online Service (either by enrolling with one of our customer service representatives or by completing the online enrollment process in the RegionsNet application at www.regions.com ), and you must electronically accept our Consent for Electronic Communications and Disclosures (the "E-Sign Consent") and this Agreement in the RegionsNet application at www.regions.com .

Part B provides the terms and conditions for use of the Statement Service. To use the Statement Service described in Part B, you first must enroll for the Online Service and electronically accept the E-Sign Consent and this Agreement, as described in the Part A summary above. Your original electronic acceptance of the E-Sign Consent and this Agreement includes your acceptance of the terms and conditions of Part B (including the applicability of the E-Sign Consent to the Statement Service), but you will not be able to use the Statement Service, and Part B will not become effective, until the Statement Service has been activated. The Statement Service may be activated in any of the following ways:

• When you enroll for the Online Service with one of our customer service representatives, you may tell the representative to enroll you in the Statement Service as well. When you electronically accept the E-Sign Consent and this Agreement the first time that you log on to the RegionsNet application at www.regions.com , the Statement Service automatically will be activated.

• If you complete the online enrollment process for the Online Service, you may be asked to elect whether you would like to use the Statement Service. If you indicate an election to use the Statement Service, the Statement Service automatically will be activated upon your electronic acceptance of the E-Sign Consent and this Agreement.

• If you have not otherwise enrolled in and/or activated the Statement Service and you click on the "Official Statements" link in the RegionsNet application at www.regions.com , you may activate the Statement Service by following the online instructions that we provide. The instructions may include a procedure for you to accept certain terms and conditions and/or to re-accept the E-Sign Consent and/or this Agreement; however, your original electronic acceptance of the E-Sign Consent and this Agreement includes your acceptance of the terms and conditions of Part B of the Agreement, and the online instructions may enable you to activate the Statement Service without further disclosure to you and without further acknowledgement or acceptance of terms on your part.

Neither enrollment in nor continued use of the Statement Service is required in order to use the Online Service. However, you must be enrolled for the Online Service if you wish to use the Statement Service.

Part C contains miscellaneous terms, conditions, and provisions that are applicable generally to this Agreement and to all services, products, and relationships contemplated by or arising out of this Agreement.

When you follow the instructions in the RegionsNet application for the acceptance of the E-Sign Consent and this Agreement (e.g., by using your PC's mouse to click an "I Agree" button) you will be adopting and using an "electronic signature" which will signify your acceptance of and intent to be bound by all terms, conditions, and provisions of the E-Sign Consent and this Agreement (note, however, that Part B of the Agreement will not be in effect until the Statement Service has been activated, as described in the Part B summary above). Your electronic acceptance of this Agreement also will constitute your certification that you have provided and will continue to provide true, accurate, current, and complete information about yourself as requested in connection with your enrollment in and use of the services contemplated by this Agreement. If you do not electronically accept the E-Sign Consent and this Agreement in accordance with the instructions we provide, you will not be permitted to enroll in or use any of the Services contemplated by this Agreement. Also, each time you use or allow others to use the Services, you confirm your agreement to abide and be bound by the terms and conditions of this Agreement, as in effect at that time.

The following terms and definitions apply when used in this Agreement:

• "Bill Payment" or "Payment " means the remittance of funds, initiated through the Online Service, from a Primary Service Account to a Payee.

• "Due Date" means the date on which your Payment is due to your Payee as reflected in your Payee statement. It is not the late date or grace period.

• "Funds Transfer" or "Transfer " means a transfer of funds, initiated through the Online Service, from one eligible Service Account to another.

• "Future Dated Transfer" means a Funds Transfer that will be initiated on a future day depending on your selection of the Transmit Date.

• "Future Payment" means a Payment, other than a Recurring Payment, that will be initiated on a future business day depending on your selection of the Transmit Date.

• "Password" means a personal code selected by you that will be used to obtain access to the Services. The term includes any additional access numbers, words, or codes required by the applications or equipment that you use in connection with the Services or that are otherwise established by you.

• "Payee " means any person or entity to which you direct a Payment through the Online Service.

• "PC " means a personal computer (including, without limitation, any personal data assistant or other wireless computing or access device) that meets the requirements for use of the Services.

• " Primary Service Account" means the eligible checking account(s) you have with us for which you enroll in and activate the Online Service. You must have at least one Primary Service Account in order to enroll in the Online Service. If you use the Bill Payment function of the Online Service, the Primary Service Account designated by you will be debited for Payments to Payees.

• "Recurring Payment" means a regular Payment that is automatically made during recurring intervals permitted by the Online Service based on a recurring Transmit Date.

• "Same Day Funds Transfer" means a Funds Transfer that will be posted to your account on the same day that you request the funds transfer through the Online Service, if received by the applicable cut-off time.

• "Same Day Payment v means a Payment that will be initiated on the same day that you enter the Payment information through the Online Service, if received by the applicable cut-off time.

• "Service Account " means any account that you maintain with us and for which you use any function or feature of the Online Service, including (i) your Primary Service Account(s), (ii) all other deposit accounts eligible for the Online Service, (iii) eligible lines of credit from which funds may be Transferred to other eligible Service Accounts, (iv) other asset accounts, such as IRAs, which may be funded from other eligible Service Accounts, and (v) any other eligible account or financial product accessed using the Online Service. All of these Service Accounts are subject to this Agreement. We reserve the right to determine the eligibility and/or ineligibility of any account as a Service Account at any time and from time to time, in our sole and absolute discretion and without notice to you, subject to the requirements of applicable law.

• "Services " means the Online Service and the Statement Service, collectively.

• "Transmit Date " means (i) with respect to Bill Payments, the date on which the Bill Payment is to be initiated for remittance to the Payee and (ii) with respect to Fund Transfers, the date on which the Funds Transfer is to be initiated to us for processing.

• "User's Guide " means any instructional materials (as amended from time to time) provided in connection with the Services.

• "We ," "us " and "our " means, as the context may require, Regions Bank or any affiliate of Regions Financial Corporation with which you have established one or more Service Accounts, and any agent, independent contractor, designee, or assignees that we may, in our sole discretion, involve in the provision of the Services.

• "You ," "your" and "yours" means (i) each and every person who now or hereafter is an account holder with respect to any Service Account or has an interest therein, and (ii) each and every person who now or hereafter subscribes to or uses the Services.

Other definitions may appear elsewhere within this Agreement.

Part A – Online Service

1. General Service Description.

a. Online Banking Transactions. You may use the Online Service to perform the following transactions with your PC:

• Make Payments to a Payee from your Primary Service Account(s);
• Review past or scheduled Payments from your Primary Service Account(s);
• Order Funds Transfers among eligible Service Accounts;
• Order Funds Transfers from eligible Service Accounts to certain loan accounts accessible through RegionsNet;
• Perform balance inquiries with respect to Service Accounts accessible through RegionsNet;
• View account activity within each Service Account;
• Communicate directly with us via electronic messaging; and
• Request advances from eligible loan accounts accessible through RegionsNet to your eligible Service Accounts.

We may from time to time enhance or expand the Online Service by providing additional features, functionality, and transaction capability. Any such enhancements or expansions will be governed by and subject to the terms and conditions of this Agreement.

b. Limitations. Your use of the Online Service is subject to the following limitations:

Dollar Amount. There may be limits on the dollar amount of the transactions you can make using the Online Service. These limits are for security reasons and may change from time to time.

Frequency. There may be limits on the number of transactions you can make using the Online Service. These limits are for security reasons and may change from time to time.

Wireless Device. Because of technical limitations, you may not be able to perform certain Online Service transactions, including, but not limited to, Bill Payments, with a wireless computing or access device (e.g., personal data assistants, cell phones, etc.).

Foreign Payments. Payments to Payees outside of the United States or its territories are prohibited through the Online Service.

Other. Your use of the Online Service is subject to the following additional limitations:

1. You acknowledge and agree that any payment of alimony, child-support, taxes, or other court-directed or governmental payments, fines, or penalties or any payment to settle a securities transaction through the Online Service is prohibited, and you agree not to make or attempt to make any such Payments. We may process or refuse to process any such Payments in our sole and absolute discretion, and, in any event, to the fullest extent permitted by law, you assume all risk relating to the proper scheduling, initiation, processing, transmission, receipt, and application of such Payments, and you release us from any and all claims, liabilities, and/or damages resulting from your making or attempting to make any such Payments through the Online Service, whether such claims, liabilities, and/or damages arise (or would arise) under this Agreement or otherwise.
   
2. You may not make a Payment in any currency other than U.S. dollars.
   
3. You are not permitted under applicable law to make more than six preauthorized transfers from a savings or money market account each statement period. No more than three of the transfers may be made by draft, check, debit card, or similar order to a third party (to the extent permitted by these accounts). Reminder: Each Bill Payment transaction transmitted from a money market account or other limited transaction account will count toward such account's transaction limitation during the statement period. In any event, we may not permit Bill Payments to be made from limited transaction accounts.
   
4. Funds transferred from Service Accounts to loan accounts accessible through RegionsNet will be applied to such loan accounts according to the terms of the agreements establishing such loan accounts.
   
5. There may be additional limitations elsewhere in this Agreement. Your ability to initiate transactions also may be limited by the terms of other agreements you have with us or as described in other disclosures we have made to you, or by applicable law. You agree to abide by and be bound by all applicable limitations.

2. Your Payee List. You must provide sufficient information about each Payee, as we may request from time to time, to properly direct a Payment to that Payee and permit the Payee to identify the correct account to credit with your Payment. This information may include, among other things, the name and address of the Payee and your Payee account number. You may from time to time add or delete Payees or change information with respect to Payees. You must allow five (5) business days after your additions, deletions, and changes are communicated to us before these additions, deletions, or changes become effective. Although you may be asked to designate whether your Payee is a "Business Payee" or "Individual Payee" when you enter the Payee information, we reserve the right, in our sole discretion, to determine at any time the category into which the Payee falls. From time to time we may set or change the number of Payees you may designate to receive Payments through the Online Service. Additionally, to the fullest extent permitted by law, we reserve the right to refuse to pay any Payee to whom you may direct a Payment. We will notify you in the event we decide to refuse to pay a Payee designated by you; however, we may not notify you if you attempt to make a Payment prohibited under this Agreement.

3. Scheduling Payments. To electronically schedule a Payment from your PC, you must first: (i) select a Payee from your list of Payees; (ii) select the appropriate Service Account from which the funds will be withdrawn; (iii) enter the amount of your Payment; and (iv) enter the Transmit Date you desire for the Payment or, for Recurring Payments (if applicable), the recurring Transmit Date you desire for the Recurring Payment for the specified recurring period (e.g., the fifth (5th) of each month). Any Payments made using the Online Service require sufficient time for the Payee to credit your account properly. To avoid incurring a finance charge or any other charge, you should schedule your Payment to arrive in advance of the Due Date indicated on your bill. Specific date and timing requirements and recommendations are discussed elsewhere in this Agreement.

4. Scheduling Delivery of Your Payments. We reserve the right to debit your Primary Service Account in the amount of the requested Payment on the Transmit Date or any time thereafter. We may, at or discretion, remit your Payments by mailing your Payee a check drawn on your Primary Service Account (or an account we maintain for this purpose), by electronic funds transfer, or by other means. If we elect to remit a Payment by check, you authorize us to execute checks drawn on your Primary Service Account for the purpose of making Payments to your Payees initiated through the Online Service notwithstanding any resolution, signature card, or other document filed with us that purports to limit authority over any of your accounts, whether currently on file or submitted or modified in the future. Based on the time required to transmit your Payment to your Payees, the Payees generally will not receive Payment on the Transmit Date. This applies regardless of whether the Payment is a Same Day Payment, a Future Payment, or a Recurring Payment (if applicable), all as described herein. Therefore, in order to provide sufficient time for Payments to be received by your Payees, we recommend the Transmit Date for each Payment be at least five (5) business days prior to the Due Date. Additional time is required for a Payment to be completed the first time you send a Payment to a Payee through the Online Service. This additional amount of time allows the Payee to adjust to the new form of payment. Accordingly, your first Payment to a Payee must be scheduled with a Transmit Date at least ten (10) business days prior to the Due Date.

5. Same Day Payment. A Same Day Payment must be entered by 6:00 p.m. Central Time on a business day in order for the Payment to be initiated on the same day. Please note that a Payee will not receive payment on the day that you enter a Same Day Payment due to the time that it takes to transmit the Payment.

6. Future Payment. The Online Service may restrict the number of Future Payments allowed for a particular Payee and the date through which a Future Payment may be made. If the Transmit Date for a Future Payment falls on a day other than a business day or on a day that does not exist (e.g., February 30), then the Transmit Date for the Future Payment will be rescheduled on the nearest prior business day. For example, if you enter a Future Payment that results in a Transmit Date of August 5th, and August 5th is a Saturday, then the Transmit Date for that Future Payment would be rescheduled on August 4th (provided that August 4th is a business day). Please note that the Payment Guarantee described below does not apply to a Future Payment if the Transmit Date for the Future Payment is not a date that is at least five (5) business days prior to the Due Date.

7. Recurring Payment. If the Transmit Date for any Recurring Payment falls on a day other than a business day or is a day that does not exist for the specified recurring period, then the Transmit Date for that Recurring Payment will be rescheduled on the immediately prior business day of the specified period. For example, if the 5th day of each month is normally the Transmit Date for a Recurring Payment, and in one month during the recurring period the 5th falls on a Saturday, then the Transmit Date for the Recurring Payment to be made for that month would be the 4th day of the month (provided that the 4th is a business day). Differences in the days of the week may reduce the number of business days between your scheduled Transmit Date and your Due Date in any specified recurring period. In order to ensure that your Recurring Payments are always initiated at least five (5) business days before your Due Date, we recommend that you schedule the Transmit Date for each Recurring Payment to be at least ten (10) calendar days prior to your Due Date. Please note that the Payment Guarantee described below does not apply to a Recurring Payment if, for that specific Payment, the Transmit Date is not a date that is at least five (5) business days prior to the Due Date.

8. Canceling or Changing Payments.

1. Using the Online Service . You may electronically change any scheduled Payment or electronically cancel a Payment by following the directions in the Online Service application. Payments, including Future Payments and Recurring Payments, may be canceled, changed, or rescheduled in this manner any time prior to 6:00 p.m. Central Time on the Transmit Date. You will be required to go online with the Online Service to cancel, change, or reschedule a Payment electronically.
    
2. Recurring Payments - Calling or Writing Us (Consumers Only). If the relevant Service Account is established primarily for personal, family, or household purposes, you may also stop Recurring Payments (and any other "preauthorized electronic fund transfer" as defined by Federal Reserve Board Regulation E) by calling or writing to us at the address and telephone number identified in the "Errors or Questions" section of this Agreement. We must receive your request three (3) business days or more before the Transmit Date. If you call, we may also require you to put your request in writing and deliver it to us within fourteen (14) days after you call. If we require you to put your request in writing and you fail to provide this written confirmation to us within fourteen (14) days after your call, we may not honor your stop payment request for any Recurring Payment (or other "preauthorized electronic fund transfer") whose Transmit Date occurs after that fourteen (14) day period. We will be liable for your actual losses and damages (if any) if we fail to stop a Recurring Payment (or other "preauthorized electronic fund transfer") following a timely order by you. The provisions of this subparagraph are in no way applicable to Service Accounts that are not established primarily for personal, family, or household purposes.
    
3. Other. Otherwise, you may request us to stop any Payment you have initiated through the Online Service by calling or writing to us at the address and telephone number identified in the "Errors or Questions" section of this Agreement; however, we shall have no obligation to stop payment on any Payment that has been initiated through the Online Service (except for our obligations set forth in the forgoing subparagraph regarding Recurring Payments). If you request us to assist you in canceling, stopping, or obtaining a refund of any Payment initiated through the Online Service, you agree that any such request will be given in a manner that affords us a reasonable opportunity to act upon the request, and you agree that we may charge you, and you agree to pay, the fee applicable to stopping payment on a check, as listed from time to time in our fee schedule for deposit accounts.

9. Returned Payments. In using the Online Service, you understand that Payees and/or the United States Postal Service may return Payments to the Online Service for various reasons such as, but not limited to, Payee's forwarding address has expired, the Payee account number is not valid, the Payee is unable to locate the account, or the Payee account is paid in full. In the event a Payment is returned, you authorize us to either research and correct the returned Payment and resubmit it to your Payee or to void the Payment and credit the amount of the Payment to your Primary Service Account, in our discretion.

10. Stale-Dated Checks. Paper checks that are issued to Payees are subject to become void after a reasonable amount of time has lapsed. Paper checks that are sent to Payees will become stale-dated (non-redeemable) after 180 days from the issue date on the check. After a check has become stale-dated, the amount of the check will be credited back to your account from which the funds were drawn and the check will become void.

11. Reviewing Payments. The Online Service automatically stores records of past Payments and Payments scheduled for the future. The number of records that will be stored for any particular time period will vary at our discretion.

12. Performing Account Inquiries and Fund Transfers. You may use the Online Service to determine the balance and recent activity in the Services Accounts and to transfer funds among eligible Service Accounts. Any balance or recent activity shown on your PC will include a date as of when the balance is current. The balance or recent activity shown on your PC may include deposits still subject to verification by us. The balance or recent activity shown may also differ from your records because it may not include deposits in progress, outstanding checks, or other withdrawals, payments, or charges. A Funds Transfer request (whether it is a Same Day Funds Transfer or a Future Dated Transfer) may not result in an immediate transfer of funds or immediate funds availability because of the time required to process the transaction.

13. Same Day Funds Transfer. A Same Day Funds Transfer must be entered by the cut-off time on a business day in order for the transfer to be posted to your account on the same day. Cut-off times vary depending on the type of account. Transfer cut-off times are:

6:00 p.m. Central Time for Transfers to all Mortgage Loans
8:00 p.m. Central Time for all other eligible Service Accounts

14. Future Dated Transfers. A request to transfer funds between Service Accounts may be scheduled for a future date. Future Dated Transfers may be scheduled as a one time request or a recurring request based on the instructions entered with the request. Future Dated Transfers will be initiated on the Transmit Date requested, not on the date you enter the transaction into the Online Service application. Future Dated Transfers will transmit on any day, including holidays, weekends, and non-business days. For example, if you entered a Future Dated Transfer that results in a Transmit Date of August 5th, and August 5th is a Saturday, then the transfer will be initiated on Saturday, August 5th. A Future Dated Transfer may be cancelled through the Online Service at any time prior to the Transmit Date.

15. Deposit Only Account. If offered as part of the Online Service, you may designate through the Online Service an account maintained with us by another person for the purpose of making deposits to that account from funds in your eligible Service Accounts. You may do so on a one-time or recurring basis. Transfers from your eligible Service Accounts to third-party accounts will be made in the same manner as Transfers among your Service Accounts. We reserve the right to determine the eligibility and/or ineligibility of any third-party account for this service at any time and from time to time, in our sole and absolute discretion and without notice to you. This service is restricted to deposit Transfers only. You will not be able to otherwise access or view a third-party account for any reason. We may offer the deposit only account option at our discretion, and the terms of this section are applicable only if we offer this option as part of the Online Service.

16. Personal Alerts. If you request periodic personal alerts regarding the current balance in your Service Accounts or other information from the system, whether received by e-mail or otherwise, the information contained in these alerts will be fixed at a given time on the date the alert is sent. Actions on your part, such as deposits, withdrawals, or transfers, made subsequent to the sending of the alert, but before you have received the alert, may affect the accuracy of the information in the alert.

17. Business Days (Online Service Hours). Our business days are Monday through Friday, except bank holidays. Payment transactions may be initiated only on business days; however, the Online Service is available 24 hours a day, seven days a week (with the exception of maintenance periods) for the scheduling, modification, or review of Payment transactions, for balance inquiries, and for other Online Service functions and transactions. If the Transmit Date for a Payment falls on a Saturday, Sunday, or bank holiday, or if you request us to initiate a Payment after 6:00 p.m. Central Time on a business day, then the Transmit Date will be rescheduled automatically for the next business day, unless the transaction is a Recurring Payment or a Future Payment (see the "Recurring Payment" and "Future Payment" sections above). We may, however, debit your Primary Service Account for the amount of the transaction on the originally scheduled Transmit Date.

18. Accounts Eligible for Online Service. From time to time, we may change the accounts that may be designated and used as Service Accounts. We also reserve the right to refuse to include any account among your Service Accounts and the right to reject transactions between or among Service Accounts (and other accounts, as applicable) under certain circumstances as provided in this Agreement or as may be required by applicable law.

19. Your Liability in Case of Loss, Theft, or Unauthorized Transactions. You are responsible for all transactions you initiate or authorize using the Online Service. If you allow any other person to use your Password or the Online Service, you will have authorized that person to access your Service Accounts and you are responsible for all transactions that person initiates or authorizes in connection with the Service Accounts. Tell us AT ONCE if you believe that your Password has been lost or stolen or that the Service Account has been or may be accessed without your authorization. Telephoning is the best method for limiting your potential losses. You could lose all funds in your Service Accounts plus the maximum amount of any overdraft line of credit.

If you believe your Password has been lost or stolen or that someone has transferred or may transfer money from the Service Account without your authorization:

You agree to take any reasonable actions requested by us to prevent unauthorized transactions to your Service Accounts.

Notwithstanding anything to the contrary in this Agreement, you will be liable for any unauthorized use of the Online Service in these instances unless otherwise provided by applicable law or written agreement with us.

THE FOLLOWING PROVISIONS OF THIS SECTION APPLY ONLY TO SERVICE ACCOUNTS ESTABLISHED PRIMARILY FOR PERSONAL, FAMILY, OR HOUSEHOLD PURPOSES.

To the extent a transaction is an "electronic fund transfer" under Federal Reserve Board Regulation E, if you tell us within two (2) business days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used your Password or made a transaction without your authorization.

If you do NOT tell us within two (2) business days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Password or the Online Service without your authorization if you had told us, you could lose as much as $500.00. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods as may be reasonable under the circumstances.

20. Our Liability for Failure to Complete Transactions. To the extent that an Online Service transaction is an "electronic fund transfer" under Federal Reserve Board Regulation E that relates to a Service Account established primarily for personal, family, or household purposes, if we do not properly complete a transfer to or from your Service Account on time or in the correct amount according to the terms of this Agreement and any User's Guide, we will be liable for your losses or damages. However, we will not be liable (and any payment guarantee provided elsewhere in this Agreement will not be applicable) if any of the following occurs:

• Through no fault of ours, you do not have sufficient collected funds in the Service Account to complete the transaction;
• The transaction would exceed the credit limit on any overdraft line of credit linked to the Service Account;
• Your PC, Internet service provider, telephone line, modem, or other equipment is not operating properly;
• The Online Service is not working properly and you were aware of the malfunction when you initiated the transaction;
• You do not properly follow the User's Guide and all other instructional materials provided in connection with the Online Service;
• You do not authorize a Payment within a sufficient period of time for your Payment to be received by the Payee by the Due Date;
• You have not provided us with the correct Payee name, address, account information, Payment amount, or other instructions necessary to complete the Payment, or the foregoing instructions stored on your PC's hard drive or the host system have been lost;
• A Payee mishandles or delays the handling of Payments sent by us;
• Your funds are held or frozen, or a court order or other legal process prevents us from making a transaction;
• Your Password has been reported lost or stolen;
• We have reason to believe that a transaction has not been properly authorized or authenticated, or is fraudulent, erroneous, or illegal;
• You have exceeded the limitations on frequency of transactions or dollar amount of transactions applicable to the Online Service or Service Account;
• Your telephone service has been disconnected or there are deficiencies in the quality of your telephone line;
• Circumstances beyond our control (such as telecommunication or electrical outages and malfunctions, postal strikes or delays, computer system failures, or natural disasters) prevent the transaction;
• Making a transfer would cause us to violate any law, rule, or regulation to which we are subject; or
• Any failure on our part was not intentional and resulted from a bona fide error notwithstanding procedures to avoid such error, except for actual damages (which do not include indirect, incidental, special, or consequential damages).

There may be other exceptions to liability stated in this Agreement, or in other agreements we have with you, or otherwise provided by applicable law.

21. Payment Guarantee. Subject to the limitations, terms and conditions of this Agreement and any applicable User's Guide, we will reimburse you for any late payment fees or penalties you are required to pay, up to a maximum of $50.00 per scheduled Payment, as a result of the failure of a Payee to receive a Payment made through the Online Service by the Due Date if you meet each of the following conditions:

• Sufficient collected funds are on deposit in the applicable Service Account to cover the amount of the Payment.
• You have properly scheduled the Transmit Date so that the Payment will be initiated at least five (5) business days (ten (10) business days for the first Payment to a Payee) prior to the Due Date. For Same Day Payments, this means that you must enter and submit the Payment information through the Online Service before 6:00 p.m. Central Time on a day at least five (5) business days (ten (10) business days for the first Payment to a Payee) prior to the Due Date. For Recurring Payments and Future Payments, this means that you must allow additional time for weekends and holidays that may occur in the future and that will reduce the number of business days between the day the Payment is initiated and the Due Date. Please refer to those sections addressing Same Day Payments, Future Payments and Recurring Payments for further information.
• The Payee must be a business.
• The late payment fee or penalty, or the method of its calculation, must be published by the Payee prior to the Due Date.

22. Documentation of Transactions. All of your transactions completed through the Online Service will appear on your periodic (or, as applicable, electronic) statement. You will receive a periodic statement each month for the Service Account from which or into which a transaction through the Online Service has been completed during the month. For all other Service Accounts, you will receive a periodic statement at least quarterly or as required by applicable law or the terms of the respective deposit agreements regarding such Service Accounts. The periodic statement will include a description of the transactions completed through the Online Service. The Payee name, Payment amount, and transaction date will be reflected for each Payment made through the Online Service.

23. Disclosure of Service Account Information to Third Parties. We will disclose information to third parties about your account or the transfers you make (a) where it is necessary for completing transfers or transactions; (b) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; ( c) in order to comply with government agency or court orders; (d) if you give us your written permission; (e) as permitted by law; and (f) as otherwise set forth in the Regions Privacy Pledge. The Regions Privacy Pledge describes our policies concerning the sharing of information with third parties and either was provided to you at the time you opened your account or was subsequently furnished to you by mail or electronically. The Regions Privacy Pledge also is provided to our customers on an annual basis. However, you may obtain a copy of the Regions Privacy Pledge at any time from any of our customer service representatives or by visiting our Web site at www.regions.com . You agree to review the Regions Privacy Pledge before initiating your first Online Service transaction under this Agreement, and you agree that your initiation of any Online Service transaction indicates that you have reviewed and agreed to the terms of the Regions Privacy Pledge. To the extent that the provisions of this section impose limitations on the disclosure of information, such limitations apply only with respect to customers whose Service Accounts are established primarily for personal, family, or household purposes.

24. Error Resolution. THE PROVISIONS OF THIS SECTION APPLY ONLY TO SERVICES ACCOUNTS THAT ARE ESTABLISHED PRIMARILY FOR PERSONAL, FAMILY, OR HOUSEHOLD PURPOSES.

If you think that your statement is wrong or you need more information about a transaction listed on your statement or appearing on the account activity screen of your PC, we must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared or you received notification of the problem or error on your PC. You must:

• Tell us your name and the Service Account number.
• Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days (twenty (20) business days for transactions that have occurred within 30 days after the first deposit to the account) after we hear from you and will correct any error promptly. If we require more time, however, we may take up to forty-five (45) days (ninety (90) days for point-of-sale transactions, transactions initiated outside the United States, or transactions that have occurred within 30 days after the first deposit to the account) to investigate your complaint or question. If this additional time is necessary, and your written notification has been received by us, we will credit your account within ten (10) business days (twenty (20) business days for transactions that have occurred within 30 days after the first deposit to the account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days (twenty (20) business days for transactions that have occurred within 30 days after the first deposit to the account), we will not credit your account and we will still have up to forty-five (45) days (ninety (90) days for point-of-sale transactions, transactions initiated outside the United States, or transactions that have occurred within 30 days after the first deposit to the account) for our investigation.

We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

25. Verification. You authorize us to investigate or reinvestigate at any time any information provided by you in connection with your application for the Online Service or the Service Account, and to request reports from credit bureaus and consumer reporting agencies for such purpose. You also agree that we may obtain information regarding your Payee account in order to facilitate proper handling and crediting of your Payments.

26. Overdraft. You agree not to use or attempt to use the Online Service to overdraw any Service Account, to exceed your limit on any credit account, or to engage in any transaction that is not specifically authorized and permitted. Such use or attempted use may result in the immediate cancellation of the Online Service and the Service Accounts, and may expose you to possible legal action. We may honor instructions to initiate transactions on the same business day (whether received through the Online Service, ATM or point-of-sale (POS) terminals, checks or other means) in any order we determine, even if honoring a particular item or instruction results in an insufficient balance in the Service Account to honor other instructions that otherwise could have been honored. If there are insufficient funds in the Service Account to complete the transaction you have initiated, we may either refuse to honor the request or complete the transaction and thereby overdraw the Service Account. In either event, you are responsible for any insufficient funds or overdraft charges that we may impose.

27. Non-Consumer Users of Online Service. To the fullest extent permitted by law, if your use of the Online Service is not primarily for personal, family, or household purposes, and/or if your applicable Service Account(s) is(are) not established primarily for personal, family, or household purposes, you agree that in no event will we be liable to you under this Agreement, or in performing or failing to perform the transactions contemplated by this Agreement, for special, indirect or consequential damages, including (without limitation) lost profits or attorneys' fees, even if we are advised in advance of the possibility of such damages, or for any other damages whatsoever, notwithstanding any other provisions of this Agreement to the contrary. You acknowledge and agree that this Agreement and any other related agreements with us set forth security procedures for electronic banking transactions that are commercially reasonable. You agree to be bound by any and all transactions, whether authorized or unauthorized, and we shall have no liability to you for any unauthorized transaction or inquiry, except as otherwise expressly provided in a written agreement between you and us, or as required by applicable law. The provisions of this section are not intended to affect and are subject to the express terms and conditions set forth in the "Payment Guarantee" section of this Agreement.

Part B – Statement Service

1. Applicability of Part B. The terms and provisions of "Part B – Statement Service" of this Agreement become effective upon your enrollment in and activation of the Statement Service as described in the Introduction of this Agreement.

2. General Service Description. The Statement Service allows you to replace your mailed, paper statements for certain deposit accounts with electronic version of the statements ("Official Statements") that you may view, save to your PC and/or print at your convenience. The Statement Service also may include, in our discretion, the delivery to you of electronic versions of the disclosures, notices, and information that we ordinarily transmit with account statements, including, but not limited to, our annual Privacy Pledge notice ("Other Statement Material").

3. Accounts Covered by the Statement Service. In order to be eligible for and covered by the Statement Service, a deposit account (i) must be a deposit account which may be accessed or monitored through RegionsNet, (ii) must be a deposit account for which a recurring periodic statement is delivered, and (iii) must be a deposit account for which we archive periodic statements through document imaging (a "Statement Service Account"). You acknowledge and agree that we may at any time, in our discretion, qualify any account for, or disqualify any account from, eligibility as a Statement Service Account for purposes of this Part B and the Statement Service. Subject to the terms of this Agreement, when you activate the Statement Service, neither you nor any of your co-depositors will receive any further mailed, paper statements (or any of the cancelled checks or check images that accompany them) for any of your Statement Service Accounts, whether such Statement Service Accounts exist as of the time of Statement Service activation or are subsequently added to your RegionsNet enrollment, and all such subsequent periodic statements for such Statement Service Accounts will be furnished electronically, as provided in this Agreement (provided, however, we may continue to mail paper statements, as well as provide electronic versions of the statements for approximately two (2) months following your activation of the Statement Service). In our discretion, we may also furnish you with electronic versions of Other Statement Material that relates to your Statement Service Accounts, as provided in this Agreement.

4. Accessing Official Statements and Other Statement Material. We will post the periodic Official Statements for your Statement Service Account at the RegionsNet website. In order to access the Official Statements, you must login to RegionsNet with your username and Password and click on the "Official Statements" link. You will need Adobe ® Acrobat ® Reader ® (version 4.0 or later) to view, print, and/or save your Official Statements (you also may need such software to view, print, and/or save Other Statement Material). A link to the Adobe ® website will be provided if you need to download the Adobe ® software. An Official Statement for any given period may be accessed electronically at the RegionsNet website for approximately eighteen (18) months following its initial posting. You acknowledge and agree that it is your responsibility to download and save in electronic form, or print and retain, your Official Statements for your records. In the event that your Official Statements are removed from the RegionsNet website before you save or print and retain a copy, or in the event that the Statement Service is terminated by you or us before you save or print and retain a copy of your Official Statements, you may request your local bank branch to provide paper replacement copies of your statements, but you shall be subject to applicable fees for such copies. Except as otherwise required by applicable law, you acknowledge and agree that it is your responsibility to access the periodic Official Statements as they are posted at the RegionsNet website without any notification or cue to do so from us. However, we may in our discretion, or we will if required by applicable law, send an electronic notification to the e-mail address you have provided to us for use in connection with RegionsNet, or otherwise furnish you with such notification as may be permitted or required by applicable law, when an Official Statement for your Statement Service Account is ready to be accessed at the RegionsNet website. In our discretion, we may at any time provide you with Official Statements via e-mail transmitted to the e-mail address you have provided to us for use in connection with RegionsNet in lieu of posting the Official Statements at the RegionsNet website. If we elect to deliver Other Statement Material to you electronically, we will send an electronic notification to the e-mail address you have provided to us for use in connection with RegionsNet or otherwise furnish you with such notification as may be permitted or required by applicable law (including, without limitation, by posting Other Statement Material at the RegionsNet website without transmitting any separate notification to you). Such notification will include electronic attachments of the Other Statement Material, and/or instructions or links for accessing the Other Statement Material, and/or pop-ups or other displays of the Other Statement Material at the RegionsNet website or another website. You agree to periodically visit the RegionsNet website in order link to and/or read and review any Other Statement Material that may be posted. Whether we post Official Statements and Other Statement Material at our website or transmit them to you as e-mail attachments, you agree that you will notify us as soon as possible in the event that you experience any technical difficulties in accessing, or are unable to access, any Official Statements or Other Statement Material that we have made available to you. You may notify us by calling us at 1-800-395-1856 during our normal business hours.

5. Review of Official Statements. The deposit account agreement that you have with us and/or agreements and disclosures regarding your Statement Service Accounts with us describe your obligations and responsibilities with respect to timely examining your periodic account statements and reporting errors and discrepancies to us. These obligations and responsibilities are applicable to your examination and review of the Official Statements. You agree that you will not alter any information in any Official Statement or Other Statement Material, and you agree that our record of any Official Statement or Other Statement Material is the best evidence of the information set forth in such Official Statement or Other Statement Material, as applicable.

Part C – Miscellaneous

1. PC Specifications. In order to use the Online Service and the Statement Service, your PC must meet the following minimum specifications:

• An IBM or MAC compatible computer;
• Internet Access; and
• Web Browser. (We support all web browsers that adhere to the HTML 4.01 transitional standards as defined by the W3C. To ensure proper functionality with the system, your browser must be configured to accept "cookies" and JavaScript enabled.)

Other technical requirements and specifications regarding the use of the Services may be described elsewhere in this Agreement or in applicable User's Guides.

2. Equipment. You are responsible for obtaining and maintaining all telephone equipment and services, internet connection services, computer hardware and software, and other equipment necessary for you to access and use the Services. We are not responsible for any computer viruses, problems or malfunctions resulting from any computer viruses, or related problems that may be associated with the use of an online system. We recommend that you routinely update your anti-virus software, apply all security patches for your operating system, and install a firewall on your PC. We are not responsible for any errors or failures resulting from defects in or malfunctions of any software on your PC.

3. Transaction Authorization; Protecting Your Password. Pursuant to the deposit account agreement(s) you have with us, each depositor on a multi-party account is the attorney-in-fact for all other depositors on the account for all business conducted with respect to the account. You confirm the attorney-in-fact status of your co-depositors, and you acknowledge and agree that you or any of your co-depositors may enroll your accounts in and activate any of the Services, consent and agree to the terms and conditions for any of the Services (including, without limitation, the E-Sign Consent), and/or terminate any of the Services on behalf of all depositors on the accounts, in accordance with the terms of this Agreement.

You authorize us to follow any instructions entered through the Services using your Password notwithstanding any dual or multiple signature requirement identified on the signature card or other documents relating to your Service Accounts. You agree and intend that the authorization of transactions through the Services shall be considered the same as your written signature in authorizing us to perform any action relating to the transactions requested. You also agree that use of your Password is the agreed security procedure to access the Services and that such security procedure is commercially reasonable.

You agree to keep your Password confidential, to prevent unauthorized access to your Service Accounts, and to prevent unauthorized use of the Services. You agree not to give your Password or make it available to any person or entity who is not authorized to access your Service Accounts for the purpose of performing the transactions contemplated by the Services or who intends or may use the Services for the purpose of accessing and compiling account data for such person's or entity's own commercial gain. You should change your Password frequently. You should avoid using your ATM or debit card personal identification number (PIN) as your permanent Password.

If your access to the Services is blocked or if you forget your Password, you must contact us at the number identified in the "Errors or Questions" section of this Agreement. We may issue you a new Password, although it may not be available for use of the Services for several days.

4. Protecting Your Personal Information. In addition to protecting your Password and other account information, you should also take precautions to protect your personal identification information, such as your driver's license, Social Security Number, etc. This information by itself or together with other account information may allow unauthorized access to your Service Accounts. It is your responsibility to treat personal information with the same level of care as your account information. You are also responsible for protecting and securing all information and data stored in your PC's hard drive. For additional guidance on information security, please click on the "Privacy and Security" link at www.regions.com .

5. Your E-mail Address. You agree to keep your e-mail address, as well as your mailing address, current and updated with us at all times. To notify us of an e-mail or mailing address change, please call us at 1-800-395-1856 during our normal business hours. You also may update your e-mail address under the "Preferences" tab in RegionsNet application at www.regions.com. Except to the extent otherwise required by applicable law or regulation, you agree that we are under no obligation to re-send, re-transmit, or otherwise deliver to you any Services notifications or information that we have transmitted to your e-mail address and that has been returned "undeliverable" or otherwise rejected for delivery.

6. Electronic Messaging and E-mail. The Services provide you with the ability to send and receive messages to and from us by two means: (a) conventional e-mail or (b) Message Center. Conventional e-mail is not a secure method of communication over the Internet, and we recommend that you not send confidential or privileged information, such as account numbers and financial information, by conventional e-mail. Message Center is a secure method of communication which allows messages to be sent and received within the Services application. An electronic message sent by you will not be immediately received by us. No action will be made on any electronic message you send to us until we actually receive your message and have a reasonable opportunity to act on it. If you need to contact us immediately, please refer to the "Errors or Questions" section of this Agreement. You cannot use conventional e-mail or Message Center to make a Bill Payment, account inquiry, or Funds Transfer. There may be other limitations to your use of electronic messaging from time to time in effect. To the extent you elect to communicate with us using e-mail, the following provisions apply to those communications:

• You agree and acknowledge that the information communicated via e-mail to or from us may include information regarding any or all of the services that are part of the Services or other services we feel may be of added interest to you.
• You acknowledge that you have been advised and understand the risks of using e-mail with respect to the communication of information regarding the Services and that we are unable to guarantee the authenticity, privacy or accuracy of information received or sent by e-mail or to monitor the authorization of persons using your e-mail address to send or receive information.
• In the event you receive information from us via e-mail that you believe is intended for another recipient, you agree to immediately return the information to us and to thereafter delete the information from your computer system. You shall not use the information for any personal or commercial purposes.
• You agree that certain information communicated from us to you may be confidential in nature as a communication between you and us. You agree to maintain the confidentiality of the information and to refrain from sharing the information with any other person or entity or from using the information for any purpose that is not related to the Services or your financial relationship with us.
• In the event that you believe that an unauthorized person has gained access to your computer system, you agree to immediately notify us so that we can cease communication of information to you via e-mail until you and we take measures agreed to jointly to protect your financial information.
• Having acknowledged the risks associated with communicating financial information via e-mail, you (a) agree that we have no obligation to monitor or investigate the use of your computer system or the source of any communication received from you bearing your email address, (b) release us from any claim or liability arising from or in connection with any communications sent or received using e-mail, and (c) agree to indemnify and hold harmless us from all claims, losses, expenses or liability arising in any way out of or connected in any way with the use of e-mail as contemplated by this Agreement.
• To the extent any other agreement between you and us requires you to deliver written notice to a particular address regarding any matter, you agree that these provisions regarding the use of e-mail do not displace or modify any such requirement for a written notice, and you agree to comply with any requirement for a written notice without reference to these provisions regarding the use of e-mail.

7. Fees. You agree to pay all fees applicable to the Services. These fees are listed in our schedule of fees and are subject to change from time to time. Without limiting the generality of the foregoing, you agree that we may impose a fee for research requested by you. You authorize us to deduct all fees from your Primary Service Account or, to the extent your Primary Service Account lacks sufficient funds, from any of your other accounts maintained with us. You also acknowledge that these fees are in addition to any costs you incur for the telephone service or Internet service provider you use to access the Services.

8. Errors or Questions. In case of errors or questions about the Services, you should, as soon as possible:

9. Termination. You may terminate your use of the Services at any time by calling or writing us as provided in the entitled "Errors or Questions" section of this Agreement.

1. Online Services. You must notify us at least ten (10) business days prior to the date on which you wish to have the Online Service terminated. We may require that you put your request in writing. If you have scheduled transactions with a Transmit Date within this ten-day period, you also must separately cancel those transactions; however, we reserve the right to cancel all scheduled transactions as soon as practicable upon receipt of notice of termination from you. If we have not completed processing your termination request and you have not otherwise canceled scheduled transactions, you will be responsible for transactions with Transmit Dates during the ten (10) business days following our receipt of your notice of termination, subject to the requirements of applicable law. If you would like to transfer the Online Service to a different account with us, or add or remove an account with respect to the Online Service, you must provide ten (10) business days' advance written notice.
2. Statement Service . If the Statement Service is terminated with respect to any Statement Service Account, we will resume mailing paper statements for such Statement Service Account, together with the disclosures, notices, documentation and information that accompany such statements, according to the terms of the deposit agreement governing such Statement Service Account, or as required by applicable law, to the postal address(es) in our records for such Statement Service Account, beginning with the periodic statement next following the termination of the Statement Service; provided, however, that you agree that we shall have a reasonable opportunity to act upon such termination. Termination of the Statement Service with respect to any Statement Service Account will result in the termination of the Statement Service for all Statement Service Accounts unless you make arrangements with us to continue the Statement Service with respect to particular Statement Service Accounts. Termination of your enrollment in the Online Service will automatically terminate the Statement Service with respect to all Statement Service Accounts. Certain changes to your Statement Service Accounts (e.g., removing your name from the account) also may have the effect of terminating the Statement Service. We may terminate your enrollment in the Statement Service without notice to you in the event that we determine that your e-mail address is no longer current or in the event that any Statement Service notifications or information that we transmit to your e-mail address is returned "undeliverable" or is otherwise rejected for delivery.

We may terminate or suspend any of the Services at any time, in our discretion, without notice to you, except as required by applicable law or regulation, and without liability to you. No termination of any Service will affect your liability or obligations under this Agreement accruing prior to the date of termination or any provisions of this Agreement which, by their nature, are intended to survive termination.

10. Exclusion of Warranties; Limitation of Liability. YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND RELATING TO THE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT, AND ANY IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE.

WE MAKE NO REPRESENTATION OR WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS OR THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. WE FURTHER DISCLAIM ANY REPRESENTATION OR WARRANTY THAT ANY ERRORS IN TECHNOLOGY WILL BE CORRECTED.

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS OBTAINED AT YOUR OWN DISCRETION AND RISK, AND WE ARE NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL, WHETHER DUE TO ANY COMPUTER VIRUS OR OTHERWISE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH OR FROM YOUR USE OF THE SERVICE WILL CREATE ANY WARRANTY OR REPRESENTATION NOT EXPRESSLY STATED IN THESE TERMS.

WE MAKE NO WARRANTY, EITHER EXPRESS OR IMPLIED, TO YOU REGARDING YOUR PC OR RELATED EQUIPMENT, OR YOUR INTERNET SERVICE PROVIDER OR ITS EQUIPMENT, INCLUDING BUT NOT LIMITED TO, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

YOU AGREE THAT NEITHER WE NOR ANY OF OUR OFFICERS, DIRECTORS, EMPLOYEES, SHAREHOLDERS, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS, LICENSORS OR THIRD PARTY SERVICE PROVIDERS WILL BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY HARMS, INJURIES OR CLAIMS, WHICH LAWYERS AND COURTS OFTEN CALL DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), STRICT LIABILITY OR OTHERWISE, RESULTING FROM (a) THE USE OF OR THE INABILITY TO USE THE SERVICE, (b) THE COST OF OBTAINING SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED, OR MESSAGES RECEIVED, OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM USE OF THE SERVICE, (c) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, (d) STATEMENTS OR CONDUCT OF ANY OTHER PERSON USING OR ACCESSING THE SERVICES, (e) ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, AND/OR (f) ANY OTHER MATTER RELATING TO THE SERVICES OR YOUR USE THEREOF.

YOU AGREE TO INDEMNIFY, HOLD HARMLESS AND DEFEND US, OUR OFFICERS, DIRECTORS, EMPLOYEES, SHAREHOLDERS, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS, LICENSORS AND SERVICE PROVIDERS FROM AND AGAINST ANY AND ALL THIRD PARTY CLAIMS, LIABILITY, DAMAGES, EXPENSES AND COSTS (INCLUDING, BUT NOT LIMITED TO, REASONABLE ATTORNEYS FEES) CAUSED BY OR ARISING FROM YOUR USE OF THE SERVICES, OR THE USE OF THE SERVICES BY ANY OF YOUR CO-DEPOSITORS OR ANY OTHER PERSON WHOM YOU HAVE PERMITTED TO USE THE SERVICE, YOUR BREACH OF THIS AGREEMENT, YOUR INFRINGEMENT, MISUSE OR MISAPPROPRIATION OF ANY INTELLECTUAL PROPERTY OR OTHER RIGHT OF ANY PERSON OR ENTITY, AND/OR YOUR COMMISSION OF FRAUD OR ANY OTHER UNLAWFUL ACTIVITY OR CONDUCT.

11. ARBITRATION AND WAIVER OF JURY TRIAL. Either you or we may choose to have any disputes between you and us resolved by binding arbitration, as provided below. Rights that you or we would have in court may not be available in arbitration. It is important that you read this entire arbitration provision.

By enrolling for, activating, and/or using any of the Services, you and we agree that, upon written demand for arbitration made by you or us, all disputes, controversies and claims (subject to the provisions below and regardless of whether based on contract, fraud, tort, intentional tort, statute, regulation, constitution, common law, equity or otherwise, and whether pre-existing, present or future), that arise from or relate to (a) this Agreement, your account, any transaction involving your account, or any advertisements, promotions, or oral or written statements related to your account or this Agreement, (b) the relationships that result from the account or this Agreement (including, to the fullest extent permitted by applicable law, relationships with third parties who are not parties to this Agreement or this arbitration provision), or (c) the scope or enforceability of this Agreement (collectively, a "Claim") shall be settled by binding arbitration. You or we may choose either the American Arbitration Association ("AAA") or the National Arbitration Forum ("NAF"), within ten (10) days of the written demand for arbitration, to conduct any arbitration that you or we, respectively, may bring under this Agreement, or you and we may agree upon a different arbitrator. In any event, any arbitration under this Agreement shall be conducted in accordance with any applicable rules of the arbitrator or arbitration organization ("Rules"). If an arbitrator other than the AAA is chosen, the Rules of the AAA will be applied to any circumstance that is not addressed by the Rules of the chosen arbitrator. In the event of any inconsistency between this Agreement and the Rules, such inconsistency shall be resolved in favor of this Agreement. This arbitration provision is made pursuant to a transaction involving interstate commerce, and the Federal Arbitration Act (the "FAA") shall apply to the construction, interpretation and enforceability of this arbitration provision notwithstanding any other choice of law provision contained in this Agreement.

Either you or we may initiate arbitration by giving written notice of the intention to arbitrate to the other party and, if you or we choose to use the AAA or the NAF, by filing notice with the AAA or the NAF in accordance with the Rules in effect at the time the notice is filed. The demand for arbitration may be made before or after commencement of any litigation. You should contact the AAA or the NAF for more information about arbitration. The Rules, procedures and forms of the AAA may be obtained by calling the AAA at 800-778-7879 or by visiting the AAA's website at http://www.adr.org. The Rules, procedures and forms of the NAF may be obtained by calling the NAF at 800-474-2371 or by visiting the NAF's website at http://www.arb-forum.com. If for any reason the AAA or the NAF is unable or unwilling to serve as arbitration administrator, and you and we are unable to agree on another arbitrator, we will substitute another national or regional arbitration organization.

Demand for arbitration under this Agreement must be made before the date when any judicial action upon the same Claim would be barred under any applicable statute of limitations; otherwise, the Claim also is barred in arbitration. A Claim by, or on behalf of, other persons will not be considered in, or joined or consolidated with, the arbitration proceedings between you and us, and a Claim may not be arbitrated on a class action, private attorney general, or other representative basis. Any dispute as to whether any statute of limitations, estoppel, waiver, laches, or similar doctrine bars the arbitration of any Claim, and any dispute regarding the prohibitions in the preceding sentence shall be decided by the arbitrator(s) in accordance with the provisions of this arbitration provision.

Nothing in this arbitration provision shall limit the right of you or us, whether before, during or after the pendency of any arbitration proceeding, to exercise any self-help remedies (including without limitation set-off, foreclosure, repossession and sale of collateral, or other self-help enforcement of a security interest), or to bring an action exclusively for provisional or ancillary remedies or injunctive or other traditionally equitable relief (including without limitation filing an interpleader action) which includes no monetary damages. You and we agree that the taking of these actions or any other participation in litigation by you or us does not waive any right that either you or we have to demand arbitration at any time with respect to any subsequent or amended Claim filed against you or us after commencement of litigation between you and us.

Where the aggregate of all Claims by both you and us does not exceed $100,000, any expedited procedures provided in the Rules ("Expedited Procedures") shall apply and a single arbitrator shall decide the Claims. Where the aggregate of all Claims by both you and us exceeds $100,000, a panel of three arbitrators shall decide all Claims. Each arbitrator, whether or not acting under Expedited Procedures, shall be an active member in good standing of the Bar for any state in the continental United States and shall be either: (a) actively engaged in the practice of law for at least 5 years or (b) a retired judge of any federal court or any appellate state court.

You and we agree that the arbitrator(s): (a) shall limit discovery to matters directly relevant to the arbitrated dispute; (b) shall grant only relief that is based upon and consistent with substantial evidence and applicable substantive law; (c) shall have authority to grant relief only with respect to Claims asserted by or against you individually; (d) shall not have any authority to require, as part of any relief granted, that you and we continue any relationship we may have under this Agreement or otherwise; and (e) shall provide a brief written explanation of the basis for the award upon the request of either party and shall make specific findings of fact and conclusions of law to support any arbitration award that exceeds $25,000. Unless inconsistent with applicable law, each party shall bear the expense of its respective attorney, expert, and witness fees, regardless of which party prevails in the arbitration. We may elect, at our sole discretion, to pay some or all of your arbitration fees and other costs. The arbitrator will decide whether we or you ultimately will be responsible for paying any fees or other costs in connection with the arbitration. Any arbitration proceedings shall be conducted in the federal judicial district of your residence or at any other place that you and we select by agreement. Judgment upon any award rendered in arbitration may be entered in any court having jurisdiction.

If you or we seek to bring a joined, consolidated, or class action and if the portion of this arbitration provision that prohibits the arbitration of consolidated or class actions is deemed invalid or unenforceable, the remaining portions of this arbitration provision shall be void and unenforceable. If any portion of this arbitration provision other than the prohibition against the arbitration of joined, consolidated or class actions is deemed invalid or unenforceable, the remaining portions of this arbitration provision will remain valid and enforceable. If for any reason this arbitration provision is deemed unenforceable, and/or with respect to any dispute or matter that may be tried or adjudicated in a court of competent jurisdiction notwithstanding this arbitration provision, to the fullest extent enforceable under applicable law, YOU AND WE VOLUNTARILY AND KNOWINGLY WAIVE THE RIGHT TO HAVE A TRIAL BY JURY OF ANY AND ALL DISPUTES, CONTROVERSIES AND CLAIMS UNDER OR RELATED TO THIS AGREEMENT. This arbitration provision shall survive termination of this Agreement, and/or any of the Services, and/or the closing of any of your accounts.

12. Entire Agreement. This Agreement constitutes the current, sole and entire agreement between you and us with respect to the Services, and any and all prior agreements with respect to the Services are superseded by this Agreement. This Agreement supplements, but does not replace, other agreements, terms and conditions governing your Service Accounts and/or any other services used by you in relation to the Service Accounts. Such other agreements, terms and conditions remain in full force and effect, and we may apply the provisions thereof to your use of the Services, as the context may require (including, but not limited to, provisions relating to the ownership of website content and other intellectual property and provisions relating to our use of your comments, suggestions, and ideas regarding our products and services, as set forth in the Regions Website Terms of Use); provided, however, that in the event of a conflict between the terms of this Agreement and those of any other agreement, the express terms of this Agreement shall control with respect to the Services. You further acknowledge and agree that the E-Sign Consent, which you have accepted in connection with your enrollment for the Services, and any User's Guide or other instructional materials (including, without limitation, on-screen help) that we furnish in connection with providing the Services are and constitute a part of this Agreement.

13. No Unilateral Alterations to this Agreement or any Enrollment Form by You. Neither this Agreement nor any enrollment form may in any way be altered by you without our express written agreement. Any attempt by you to alter either this Agreement or any enrollment form without our express written agreement shall be void and shall have no legal effect. You hereby agree to indemnify and hold us harmless from and against any and all claims, losses, liabilities, penalties, expenses and punitive and other damages (including without limitation reasonable attorneys' fees) directly or indirectly resulting from, relating to or arising in connection with any successful or unsuccessful attempt by you to alter either this Agreement or any enrollment form without our express written agreement. You acknowledge and agree that no practice or course of dealing between you and us, nor any oral representations or communications by you and/or any of our agents, employees or representatives, which vary the terms and conditions of this Agreement shall constitute a modification or amendment of the terms and conditions of this Agreement.

14. Waivers. No delay or omission by us in exercising any rights or remedies under this Agreement or applicable law shall impair such right or remedy or be construed as a waiver of any such right or remedy. Any single or partial exercise of a right or remedy shall not preclude further exercise of that right or remedy or the exercise of any other right or remedy. No waiver shall be valid unless in writing and signed by us. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

15. Assignment. You may not assign this Agreement or any of your rights or responsibilities under this Agreement to any other party. We may assign this Agreement or any or all of our rights and/or responsibilities hereunder, or delegate any or all of such rights and responsibilities to any third party or parties.

16. Data Recording. When you use the Services, the transaction and other information you enter may be recorded. By using the Services, you consent to such recording.

17. Change of Terms; Electronic Disclosures. We have the right to change the terms of this Agreement (including the separate sections hereof) and/or the fees, charges, features, operational elements, and other terms and conditions applicable to the Services, at any time and from time to time in our discretion. Any changes we make will be effective as of the time we determine, with or without notice to you, provided that we will furnish you with notice of changes as required by applicable law. If you do not agree to any change or amendment relating to terms and conditions of this Agreement or the Services, you must terminate your use of the Services. By using any of the Services after any such change or amendment, you agree to that change or amendment.

You agree that we may send change of terms notices to you, as well as any information, disclosures, and/or notices relating to the Services (including, without limitation, the Official Statements and the Other Statement Material) in electronic form, either by posting such information, disclosures, and notices in the RegionsNet application at www.regions.com (or other applicable website) or by transmitting them, or notice of the availability thereof at the applicable website, to the e-mail address you have provided us in connection with your use of the Services. You specifically acknowledge and agree that we may periodically transmit to you by e-mail welcome notices, reminders, tips, inactivity notices, and other messages concerning the use of the Services. Subject to the terms and conditions of the E-Sign Consent that you have accepted in connection with your enrollment in the Services, you further agree and specifically confirm that we may provide you with an electronic record, via electronic messaging or delivery as provided above, of any and all disclosures and information that we are required by applicable law or regulation to provide in writing (including, without limitation, the Electronic Fund Transfer Act, as amended (15 U.S.C. 1693 et seq.), Federal Reserve Board Regulation E, as amended (12 C.F.R. 205)). You will be deemed to have received such notices or disclosures three (3) days after we post them in the RegionsNet application at www.regions.com (or other applicable website) or transmit them, or notice of the availably thereof at the applicable website, to your e-mail address, as applicable, whether or not you have retrieved them by that time. You acknowledge and agree that any present or future election by you to include your name in any internal database that we maintain in order to keep a record of who does not wish to receive electronic messaging, generally, shall not apply to or affect your agreement in this Agreement to receive electronic information, disclosures and/or notices relating to the Services, as provided herein. We reserve the right at any time, in our discretion, to mail or otherwise transmit to you paper copies of any information, disclosures and/or notices relating to the Services in lieu of or in addition to electronic versions thereof.

18. New Services. We may introduce new RegionsNet services from time to time. By using these new services after they become available, you agree to be bound by all terms and conditions applicable thereto.

19. Delays. You agree that we shall not be liable for any delay in the performance or nonperformance of the Services resulting from any federal or state law, regulation or rule, the order of any court of competent jurisdiction, any Act of God, war, epidemic, strike, lockout, riot, weather conditions, equipment failure or malfunction, material shortage, electrical power disruption or shortage, communication failure or any other condition or circumstance not within our reasonable control.

20. Applicable Law. Regardless of where you live or work or where you access the Services, this Agreement, any enrollment form, and your deposit relationship with us will be governed by the substantive laws (excluding laws of conflict) and regulations of the United States and the state in which the branch where your Service Account was established is located.

21. Venue. Any proceeding for the enforcement of this Agreement or any provision thereof shall be instituted only in the state in which the branch where your Service Account was established is located.

22. Illegal Purposes. You agree not to use the Services for any illegal purpose or in breach of any contract or agreement by which you are bound, and you agree to comply with all applicable laws, rules, and regulations in connection with the Services. You certify that you have legal capacity to enter into this Agreement under applicable law. The Services and any application for deposit or other services at our website are solely offered to the citizens and residents of the United States of America and may not be accessed while outside the Unite States. If you choose to use the Services from locations outside the United States, you do so at your own risk.

23. Construction of Defined Terms. As appropriate, the singular number shall include the plural and the plural shall include the singular.

24. Headings. The headings used in this Agreement are for convenience only and shall not be held to limit or affect the terms of this Agreement.

25. Severability. If a court of competent jurisdiction, or arbitrator as applicable, finds any provision of this Agreement to be invalid or unenforceable as to any person or circumstance, such finding shall not render that provision invalid or unenforceable as to any other persons or circumstances. If feasible, any such offending provision shall be deemed to be modified to be within the limits of enforceability or validity; however, if the offending provision cannot be so modified, it shall be stricken and all other provisions of this Agreement in all other respects shall remain valid and enforceable.