Under the Regions Refer a Friend program (the “Program”), the person making the referral (the “Referrer”) will earn a $50 Visa® Reward Card for each individual or business referred to Regions (the “Referred Person” or “Referred Business”) that does not already have a Regions checking account, registers for the offer, opens a new Regions personal LifeGreen® checking or business checking account and completes the other requirements by the deadlines specified in the Program. To make a referral, the Referrer must register for the Program, agree to these Terms and Conditions, and submit a valid email address for both the Referrer and each Referred Person or Referred Business. A Referrer may receive up to ten (10) Reward Cards ($500 value) each calendar year, but only one Referrer may receive a Reward Card for each Referred Person or Referred Business that fulfills the requirements (the first Referrer who enters information for a Referred Person or Referred Business will be the eligible Referrer). The Referred Person or Referred Business may only receive one Reward Card for opening an account and completing the requirements but may also be eligible as a Referrer.

Referred Person

To earn a $50 Visa Reward Card, the Referred Person must (1) register by following the link provided in the referral email or on social media, (2) agree to the Terms and Conditions, (3) open a new Regions personal LifeGreen checking account with a Regions Visa CheckCard within 90 days after receiving the email or social media offer through the official means of the program, keep the new account open and in good standing for at least 60 days, AND (4) fulfill the following requirements within 60 days after account opening:

• Make at least ten (10) Visa CheckCard purchases that post to the new account; AND

• Have at least (1) one $300 or more ACH direct deposit (such as a reoccurring payroll or government benefit deposit); AND

• Sign up for Regions Online Banking and enroll in Online Statements, which requires either a Social Security or Taxpayer Identification Number, or use of alternate enrollment procedures available by visiting a branch.

Referred Business

To earn a $150 Visa Reward Card, the Referred Business must (1) register by following the link provided in the referral email or on social media, (2) agree to the Terms and Conditions, (3) open a new Regions business checking account within 90 days after receiving the email or social media offer through the official means of the program, keep the new account open and in good standing for at least 60 days, AND (4) complete the following requirements within 60 days after account opening:

• Make an opening deposit of at least $500; AND

• Complete at least one Visa Business CheckCard purchase that posts to the account; AND

• Sign up for Online Banking with Online Statements, which requires a Social Security or Taxpayer Identification Number.

Other Important Information

Reward Cards. Processing and delivery of the Reward Cards may take an additional 4-6 weeks after all conditions have been met. The Referred Person or Referred Business acknowledges that a Reward Card will be issued to the Referrer after all conditions have been met in the time frames provided. The Reward Cards will be mailed to the addresses listed on your customer profile. The Reward Cards are subject to Terms and Conditions delivered with the cards, including limitations on types of transactions for which they may be used.

Email Address. When opening the Regions personal LifeGreen checking or business checking account, the Referred Person or Referred Business must provide the same email address used when registering for the Program.

Other Limitations. The Reward Card offer is not available if the Referred Person or Referred Business already has a Regions checking account, and it may not be combined with other offers. This offer may end or be changed without notice.

Status of Incentive. The Referred Person and/or Referred Business authorizes Regions to disclose from time to time to the Referrer whether the Referred Person and/or Referred Business has completed the Program requirements.

Deposit Account Disclosures. Personal LifeGreen checking accounts require a $50 minimum opening deposit. Regions business checking accounts require a $100 minimum opening deposit. The Annual Percentage Yield (APY) paid on LifeGreen Preferred Checking® accounts is based on account balance and as of 11/1/17 was 0.01% on all balances. The APY for Regions Business Interest Checking accounts is based on account balances and as of 11/1/17 was 0.01% on all balances. Regions may change the APY at any time. Fees may reduce earnings. No interest is paid on other personal LifeGreen checking or Regions business checking accounts. A monthly fee may apply depending on account type but may be waived on some accounts if certain conditions are met (visit regions.com for conditions). For accounts opened in Iowa, certain account fees are subject to Iowa State Tax of 6%, which will be assessed at the time the fee is charged, unless exempt. All deposit accounts are subject to the Regions Deposit Agreement.

Opt out. The Referrer authorizes the sending of communications to each Referred Person or Referred Business. The email may not be recovered if the person has “opted out” of marketing material from Regions. Each person who registers for the Program authorizes future communications, including emails, regarding the Program unless they “opt out” by making an election at Regions or within such email.

Posting. CheckCard purchases do not always post to your account the same day you use your card or otherwise authorize a purchase. The timing of when a purchase posts depends largely upon the merchant. “Pending” transactions are not counted. You may use Online Banking and/or Mobile Banking to track when purchases post. Purchases also include payments made using your CheckCard number, but not ATM transactions.

Employees of Regions Bank, Regions Financial Corporation or affiliates are not eligible for the Program. Visa is a registered trademark of Visa, Inc. Visa is not a participant or sponsor of this promotion.