Regions Announces Fourth Quarter Earnings Conference Call.

BIRMINGHAM, Ala. -- Regions Financial Corporation (NYSE:RF) is scheduled to announce its fourth-quarter 2004 earnings the morning of Tuesday, Jan. 18, 2005, and will hold a conference call to discuss the company's performance at 9 a.m. CT the same day.

Regions' management will lead the

Internet access to the call and to supporting materials will be available through the Investor Relations section of the Regions Web site, www.regions.com, under the heading of Live Webcast. Telephone access to the call may be obtained by dialing 1-800-299-7098 for U.S. callers and 617-801-9715 for international callers with access code 34900504 by 8:50 a.m. CT.

Both Internet and telephone replay of the call will be available through midnight CT Feb. 17, 2004. The Internet replay may be accessed through www.regions.com. The telephone replay will be available to U.S. callers at 1-888-286-8010 and to international callers at 617-801-6888. The access code for both will be 38048085.

About Regions Financial Corporation

Regions Financial Corporation (NYSE:RF), headquartered in Birmingham, Ala., is a full-service provider of retail and commercial banking, securities brokerage, mortgage, and insurance products and services. With its merger with former Union Planters Corp. complete, Regions had assets of $84.1 billion as of Sept. 30, 2004, making it one of the nation's Top 15 financial services providers. Regions' banking subsidiaries, Regions Bank and Union Planters Bank, operate some 1,400 offices and a 1,700-ATM network across a 15-state geographic footprint in the South, Midwest and Texas. Its investment and securities brokerage, trust and asset management division, Morgan Keegan & Company Inc., provides services from more than 145 offices. Additional information about the new Regions, which is a member of both the Forbes and Fortune 500 and operates one of the Top 20 mortgage companies in the United States, can be found at www.regions.com.