Regions Bank 2008 Annual Report Download - page 25

Available Information
Regions maintains a website at www.regions.com. Regions makes available on its website free of charge its
annual reports on Form 10-K, quarterly reports on Form 10-Q and current reports on Form 8-K, and amendments
to those reports which are filed with or furnished to the SEC pursuant to Section 13(a) of the Securities Exchange
Act of 1934. These documents are made available on Regions’ website as soon as reasonably practicable after
they are electronically filed with or furnished to the SEC. Also available on the website are Regions’
(i) Corporate Governance Principles, (ii) Code of Business Conduct and Ethics, (iii) Code of Ethics for Senior
Financial Officers and (iv) the charters of its Nominating and Corporate Governance Committee, Audit
Committee, Compensation Committee and Risk Committee. You may also request a copy of any of these
documents, at no cost, by writing or telephoning Regions at the following address:
ATTENTION: Investor Relations
Regions Financial Corporation
1900 Fifth Avenue North
Birmingham, Alabama 35203
[phone]
Item 1A. Risk Factors
Making or continuing an investment in securities issued by Regions, including our common stock, involves
certain risks that you should carefully consider. The risks and uncertainties described below are not the only risks
that may have a material adverse effect on Regions. Additional risks and uncertainties also could adversely affect
our businesses, financial condition and results of operations. If any of the following risks actually occur, our
businesses, financial condition or results of operations could be negatively affected, the market price for your
securities could decline, and you could lose all or a part of your investment. Further, to the extent that any of the
information contained in this Annual Report on Form 10-K constitutes forward-looking statements, the risk
factors set forth below also are cautionary statements identifying important factors that could cause Regions’
actual results to differ materially from those expressed in any forward-looking statements made by or on behalf
of Regions.
Our businesses have been and may continue to be adversely affected by current conditions in the financial
markets and economic conditions generally.
The capital and credit markets have been experiencing unprecedented levels of volatility and disruption for
more than a year. In some cases, the markets have produced downward pressure on stock prices and credit
availability for certain issuers without regard to those issuers’ underlying financial strength. As a consequence of
the recession that the United States now finds itself in, business activity across a wide range of industries face
serious difficulties due to the lack of consumer spending and the extreme lack of liquidity in the global credit
markets. Unemployment has also increased significantly.
A sustained weakness or weakening in business and economic conditions generally or specifically in the
principal markets in which we do business could have one or more of the following adverse effects on our
businesses:
• A decrease in the demand for loans and other products and services offered by us;
• A decrease in the value of our loans held for sale or other assets secured by consumer or commercial
real estate;
• An impairment of certain intangible assets, such as goodwill;
• An increase in the number of clients and counterparties who become delinquent, file for protection
under bankruptcy laws or default on their loans or other obligations to us. An increase in the number of
delinquencies, bankruptcies or defaults could result in a higher level of nonperforming assets, net
charge-offs, provision for loan losses, and valuation adjustments on loans held for sale.
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