Program Basics

Regions’ Refer-a-Friend program (the “Program”) rewards Regions customers for inviting friends to bank with Regions. Current Regions customers (“Referrer”) can register for the Program and send referral invitations (the “Invite”) to individuals or businesses that do not have a Regions checking account (“Referred Person” or “Referred Business”). The Invite explains how to earn a Visa® Reward Card ($50 for the Referred Person or $150 for the Referred Business). For each Referred Person or Referred Business that completes all requirements, Regions will send the Referrer a $50 Reward Card (max: ten per year). Referral status can be tracked with My Offer Tracker at regions.com/myoffertracker

To earn a $50 Visa Reward Card, the Referred Person must:

Within 90 days of receiving the Invite:

• Use the link in the Invite to register for the Program and open a new Regions personal LifeGreen® checking account. The new account must remain open for at least 60 days.

Within 60 days of opening the new account:

• Make at least ten Regions Visa® CheckCard purchases that post to the new account;

• Have at least one $300 or more ACH direct deposit (such as a reoccurring payroll or government benefit deposit) post to the new account; and

• Enroll in Online Statements through Regions Online Banking.

To earn a $150 Visa Reward Card, the Referred Business must:

Within 90 days of receiving the Invite:

• Use the link in the Invite to register for the Program and open a new Regions business checking account. The new account must remain open for at least 60 days.

Within 60 days of opening the new account:

• Make an opening deposit of at least $500;

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

• Enroll in Online Statements through Regions Online Banking.

Other Important Information

Eligibility. Referrer must be a Regions customer (individual or business with a current Regions deposit account, Now Card, credit card, investment account, loan, line or credit, or other similar Regions product or service). Referred Person and Referred Business cannot have (or have had) an ownership interest in a Regions deposit account within twelve months of registering for the Program.

Exclusions. Rewards Cards are available only to U.S. residents with a U.S. address and a valid U.S. taxpayer identification number (for example, non-resident aliens are ineligible). Employees of Regions Bank, Regions Financial Corporation, or affiliates are not eligible for Reward Cards. If you are ineligible, no notice or Reward Card will be provided.

Online Statements.The Referred Person’s or Referred Business’s election of Online Statements for the new account must remain unchanged for 60 days. Signing up for Regions Online Banking requires either a Social Security or Taxpayer Identification Number. Alternative enrollment procedures are available in branch for a Referred Person.

Reward Cards. Processing and delivery of the Reward Cards may take up to 120 days 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 the customer profile. The Reward Cards are subject to the Terms and Conditions delivered with the cards, including limitations on types of transactions for which they may be used. Reward Cards are valid for six months after issuance.

Referral Limits.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 for their other referrals.

Email Address. When opening the Regions personal LifeGreen checking or business checking account and enrolling in Online Statements, the Referred Person or Referred Business must provide and use the same email address used when registering for the Program. The email must remain unchanged from registration to account opening through fulfillment.

Other Limitations. This offer may not be combined with other offers and may end or be changed without notice. The Referrer and the Referred Person and/or Referred Business cannot be the same individual or business or share the same email address.

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 $25 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 07/01/18 was 0.01% on all balances. The APY for Regions Business Interest Checking accounts is based on account balances and as of 07/01/18 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. Recipient is responsible for any taxes due as a result of reward.

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, texts, and phone calls regarding the Program unless they “opt out”.

Posting. CheckCard purchases do not always post to the account the same day the card is used or a purchase is authorized. The timing of when a purchase posts depends largely upon the merchant. “Pending” transactions are not counted. Posting can be tracked using Online Banking and/or Mobile Banking. Purchases also include payments made using the CheckCard number, but not ATM transactions.

Visa is a registered trademark of Visa, Inc. Visa is not a participant or sponsor of this promotion.

Member FDIC© 2018 Regions Bank. All Rights reserved. | Regions, the Regions logo and the LifeGreen bike are registered trademarks of Regions Bank. The LifeGreen color is a trademark of Regions Bank.