Common use of Initial Restriction on Disposition Clause in Contracts

Initial Restriction on Disposition. The undersigned agrees that the undersigned will not, except by operation of law, by will or under the laws of descent and distribution, sell, transfer, or otherwise dispose of the undersigned's interests in, or reduce the undersigned's risk relative to, any of the shares of Regions Common Stock into which the undersigned's shares of FBI Common Stock are converted upon consummation of the Merger until such time as Regions notifies the undersigned that the requirements of SEC Accounting Series Release Nos. 130 and 135 ("ASR 130 and 135") have been met. The undersigned understands that ASR 130 and 135 relate to publication of financial results of post-Merger combined operations of Regions and FBI. Regions agrees that it will publish such results within 45 days after the end of the first fiscal quarter of Regions containing the required period of post-Merger combined operations and that it will notify the undersigned promptly following such publication. 3.

Initial Restriction on Disposition. The undersigned agrees that the ---------------------------------- undersigned will not, except by operation of law, by will or under the laws of descent and distribution, sell, transfer, or otherwise dispose of the undersigned's interests in, or reduce the undersigned's risk relative to, any of the shares of Regions Premier Common Stock into which the undersigned's shares of FBI Farmers Common Stock are converted upon consummation of the Merger until such time as Regions Premier notifies the undersigned that the requirements of SEC Accounting Series Release Nos. 130 and 135 ("ASR 130 and 135") have been met. The undersigned understands that ASR 130 and 135 relate to publication of financial results of post-Merger combined operations of Regions Premier and FBIFarmers. Regions Premier agrees that it will publish such results within 45 days after the end of the first fiscal quarter of Regions Premier containing the required period of post-Merger combined operations and that it will notify the undersigned promptly following such publication. 3.

Initial Restriction on Disposition. The undersigned agrees ---------------------------------- that the undersigned will not, except by operation of law, by will or under the laws of descent and distribution, sell, transfer, or otherwise dispose of the undersigned's interests in, or reduce the undersigned's risk relative to, any of the shares of Regions Common United Stock into which the undersigned's shares of FBI Common North Point Stock are converted upon consummation of the Merger until such time as Regions United notifies the undersigned that the requirements of SEC Accounting Series Release Nos. 130 and 135 ("ASR 130 and 135") have been met. The undersigned understands that ASR 130 and 135 relate to publication of financial results of post-Merger combined operations of Regions United and FBINorth Point. Regions United agrees that it will publish such results within 45 days after the end of the first fiscal quarter of Regions United containing the required period of post-Merger combined operations and that it will notify the undersigned promptly following such publication. 3.Sincerely, [Director or Executive Officer]

Initial Restriction on Disposition. The undersigned agrees that the undersigned will not, except by operation of law, by will or under the laws of descent and distribution, sell, transfer, or otherwise dispose of the undersigned's interests in, or reduce the undersigned's risk relative to, any of the shares of Regions Common United Stock into which the undersigned's shares of FBI Common Independent Stock are converted upon consummation of the Merger until such time as Regions United notifies the undersigned that the requirements of SEC Accounting Series Release Nos. 130 and 135 ("ASR 130 and 135") have been met. The undersigned understands that ASR 130 and 135 relate to publication of financial results of post-Merger combined operations of Regions United and FBIIndependent. Regions United agrees that it will publish such results within 45 days after the end of the first fiscal quarter of Regions United containing the required period of post-Merger combined operations and that it will notify the undersigned promptly following such publication. 3.Sincerely, [Director or Executive Officer] EXHIBIT D

Initial Restriction on Disposition. The undersigned agrees that the undersigned will not, except by operation of law, by will or under the laws of descent and distribution, sell, transfer, or otherwise dispose of the undersigned's interests in, or reduce the undersigned's risk relative to, any of the shares of Regions Common Stock into which the undersigned's shares of FBI FCBS Common Stock are converted upon consummation of the Merger until such time as Regions notifies the undersigned that the requirements of SEC Accounting Series Release Nos. 130 and 135 ("ASR 130 and 135") have been met. The undersigned understands that ASR 130 and 135 relate to publication of financial results of post-Merger combined operations of Regions and FBIFCBS. Regions agrees that it will publish such results within 45 days after the end of the first fiscal quarter of Regions containing the required period of post-Merger combined operations and that it will notify the undersigned promptly following such publication. 3.