Visual materials for presentation on November 13, 2007

Merrill Lynch

2007 Banking and Financial Services Conference

November 13, 2007

Exhibit 99.1

FORWARD LOOKING STATEMENTS

The information contained in this presentation may include forward-looking statements which reflect Regions' current views with respect to future events and financial

performance. The Private Securities Litigation Reform Act of 1995 ("the Act") provides a safe harbor for forward-looking statements which are identified as such and are

accompanied by the identification of important factors that could cause actual results to differ materially from the forward-looking statements. For these statements, we,

together with our subsidiaries, unless the context implies otherwise, claim the protection afforded by the safe harbor in the Act. Forward-looking statements are not based on

historical information, but rather are related to future operations, strategies, financial results, or other developments. Forward-looking statements are based on

management's expectations as well as certain assumptions and estimates made by, and information available to, management at the time the statements are made. Those

statements are based on general assumptions and are subject to various risks, uncertainties, and other factors that may cause actual results to differ materially from the

views, beliefs, and projections expressed in such statements. These risks, uncertainties and other factors include, but are not limited to, those described below:

Regions' ability to achieve the earnings expectations related to businesses that have been acquired, including its merger with AmSouth Bancorporation which in turn

depends on a variety of factors, including:

Regions' ability to achieve the anticipated cost savings and revenue enhancements with respect to the acquired operations, or lower than expected revenues from

continuing operations;

the assimilation of the combined companies’

corporate cultures;

the continued growth of the markets that the acquired entities serve, consistent with recent historical experience;

difficulties related to the integration of the businesses, including integration of information systems and retention of key personnel.

Regions' ability to expand into new markets and to maintain profit margins in the face of competitive pressures.

Regions' ability to keep pace with technological changes.

Regions' ability to develop competitive new products and services in a timely manner and the acceptance of such products and

services by Regions' customers and

potential customers.

Regions' ability to effectively manage interest rate risk, market risk, credit risk, operational risk, legal risk, and regulatory and compliance risk.

Regions' ability to manage fluctuations in the value of assets and liabilities and off-balance sheet exposure so as to maintain sufficient capital and liquidity to support

Regions' business.

The cost and other effects of material contingencies, including litigation contingencies.

The effects of increased competition from both banks and non-banks.

Further easing of restrictions on participants in the financial services industry, such as banks, securities brokers and dealers, investment companies and finance

companies, may increase competitive pressures.

Possible changes in interest rates may increase funding costs and reduce earning asset yields, thus reducing margins.

Possible changes in general economic and business conditions

in the United States in general and in the communities Regions serves in particular.

Possible changes in the creditworthiness of customers and the possible impairment of collectibility of loans.

The effects of geopolitical instability and risks such as terrorist attacks.

Possible changes in trade, monetary and fiscal policies, laws, and regulations, and other activities of governments, agencies, and similar organizations, including

changes in accounting standards, may have an adverse effect on business.

Possible changes in consumer and business spending and saving habits could affect Regions' ability to increase assets and to

attract deposits.

The effects of weather and natural disasters such as hurricanes.

The words "believe," "expect," "anticipate," "project," and similar expressions often signify forward-looking statements. You should not place undue reliance on any forward-

looking statements. Any such statement speaks only as of the date the statement was made. Regions undertakes no obligation to update or revise any forward-looking

statements.

Company Profile

Integration Update

3Q07 Financial Performance

2008-2010 Strategic Initiatives

Summary

Regions is Among the Largest U.S. Banks

Market Capitalization

$21 billion

13th

Assets

$138 billion

12th

Loans, net of unearned income

$94 billion

10th

Deposits

$93 billion

10th

Branches

2,022

7th

ATMs

2,549

8th

National Rank¹

As of September 30, 2007.

Franchise Footprint

Source: SNL DataSource and Regions as of June 30, 2007

State

Dep. ($B)

Mkt. Share

Rank

$18.2

25%

17.7

16.7

7.6

6.2

5.5

4.3

3.0

#18

2.4

#24

2.3

2.0

Other

2.4

—

Regions

Morgan Keegan

Insurance

Regions compares

favorably in terms of

local market share

relative to other top 10

banking franchises

Deposit weighted by county. Excludes deposits from branches with > $10bn of deposits. Based on June 30, 2007 data.

16.6%

Median

7.9

Citigroup

13.2

National City

14.3

SunTrust

16.0

JP Morgan Chase

16.4

Bank of America

16.6

U.S. Bancorp

17.2

Fifth Third

18.3

Wachovia

18.5

Regions

19.1

Wells Fargo

21.8%

BB&T

Market Share

(1)

Name

Average

Weighted

10.5%

10.0%

8.1%

8.0%

7.9%

7.0%

6.9%

5.9%

5.7%

4.5%

4.2%

3.7%

3.4%

3.3%

2.8%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

Fast Growing Footprint

Projected Population Growth (2007-2012) of Market Footprint

(1)

Source: SNL Financial. Data as of June 2007. Pro forma for completed/pending M&A.

(1) Deposit weighted by State.

National Average

6.3%

Morgan Keegan –

Among the Largest Regional Full-Service

Brokerage and Investment Banking Firms

Revenue ($M)

Pre-Tax Income ($M)

Financial Performance

430 Office Locations

Revenue Composition (3Q ’07)

Profile

Founded in 1969

Acquired by Regions in 2001

1,300 financial advisors

430 offices in 19 states

24,600 new accounts opened in 3Q ’07

$83 billion of customer assets

$87 billion of trust assets

#1 underwriter of long-term municipal bonds in the south central U.S. for 14

consecutive years

#11 book-running manager in 2006 ($8.6 billion, 445 issues)

Private

Client

31%

Fixed

Income

Capital

Markets

17%

Equity

Capital

Markets

Regions MK

Trust

18%

Other

10%

Asset Mgmt

15%

$810

$1,029

$949

2005

2006

YTD 9/30/07

$161

$239

$222

2005

2006

YTD 9/30/07

Company Profile

Integration Update

3Q07 Financial Performance

2008-2010 Strategic Initiatives

Summary

Key

Integration Accomplishments

Established Matrix Organizational Structure

Completed Branch Divestitures

Converted Brokerage, Mortgage, Payroll, Employee Benefits

and Trust Systems

Completed Alabama, Florida, Louisiana, Mississippi, and

Tennessee Branch Conversions

Branch Consolidations Substantially Complete

Exceeding Original Cost Saves

Integration Timeline

Combined

Product Set

& Incentives

Complete Sale

of Divested

Branches

1Q07

2Q07

3Q07

4Q07

Brokerage

Conversion

Mortgage

Origination &

Servicing

Conversion

Trust

Conversion

Event Two Branch

Conversion and

Consolidations

Event Three Branch

Conversion and

Consolidations

Event One Branch

Conversion and

Consolidations

Pre-conversion

Branch

Consolidations

Event 1

July 13, 2007

(677 branches)

Event 2

October

26, 2007

(612 branches)

Event 3 December 7, 2007

(656 branches)

Branch Consolidations Substantially Complete

Tennessee

Missouri

Georgia

Mississippi

Louisiana

Alabama

Florida

15 branches consolidated

pre-conversion in

Arkansas, Florida,

Missouri and Tennessee

Significant source of

cost saves

Total of 159 branches

consolidated

Event 1

Event 2

Event 3

Completed

Pending

Net Cost Saves

$100

$200

$300

$400

$500

2008E

2007E

4Q06

$7 MM

Estimated

$300 MM

Estimated

$500 MM

Full run-rate achieved by 2Q 2008

$237 MM

through 3Q07

Exceeding Original Cost Saves

Measuring the Customer Experience

Measurement Plans

Gallup Organization, Greenwich Organization

and Customer Surveys

Trend Identification

Tracking over 100 operational metrics

Company Profile

Integration Update

3Q07 Financial Performance

2008-2010 Strategic Initiatives

Summary

Merger integration goals ahead of schedule; branch

conversions to be completed by year-end

Cost saves continue to exceed expectations

Banking environment remains challenging

Credit costs, while higher, remain at reasonable

levels

Morgan Keegan reports continued solid results

Capital position remains strong

Solid Financial Performance

Financial Performance

$ 0.64

EPS –

diluted*

0.27 %

Net Charge-Off Ratio

Asset Quality

0.62 %

Nonperforming Assets as a % of Loans

1.19 %

Allowance for Credit Losses as a % of Loans

23.03 %

Return on Avg. Tangible Equity*

1.31 %

Return on Avg. Assets*

57.7 %

Operating Efficiency*

3.74 %

Net Interest Margin

Profitability

3Q07

* Excluding discontinued operations and merger-related charges. For a reconciliation of these amounts to GAAP financial measures and a statement of

why management believes these measures provide useful information to investors, see Regions' 8-K

filed October 16, 2007 announcing preliminary

results of operations for the period ended September 30, 2007.

3Q07 Financial Summary

Credit Quality Trends

0.27%

0.20%

0.23%

0.27%

0.62%

0.45%

0.40%

0.15%

0.22%

0.35%

0.00%

0.20%

0.40%

0.60%

0.80%

4Q06

1Q07

2Q07

3Q07

NPAs/Loans and OREO

Net Charge-Offs/Average Loans

Delinquent Loans (90+ Past Due)

Diversified Loan Portfolio

Note: Loan Portfolio per Call Report Schedule RC-C. September 30, 2007.

Loan Portfolio

Total Loan Portfolio as of 9/30/07 ($MM) = $94,374

Other Commercial

Real Estate, 9%

Multifamily, 1%

Commercial/Leasing,

23%

Alt A, 4%

Home Equity, 16%

Other Consumer, 2%

Owner Occupied Real

Estate , 9%

Residential First

Mortgage, 14%

Land and Other

Construction, 13%

1-4 Family

Construction, 5%

Indirect, 4%

Commercial Real Estate

CRE Portfolio by Product

CRE Portfolio Characteristics

CRE portfolio is diversified by product, loan

size, and by geography

CRE portfolio is very granular with the

average note size under $500 thousand

This average note size is reflective of real

estate in our Community Banks

Loans are generally underwritten

based on the individual borrower's financial

strength and consequently provide a

different risk profile than larger CRE loans

Top 5 MSA concentrations are Atlanta,

Miami, Nashville, Tampa, and Birmingham,

all of which are under 10%

Note: Commercial Real Estate by Product per September 30, 2007 Call Report Schedule RC-C.

Owner Occupied Commercial Real Estate is based on the credit strength of

the operating company (borrower) and does not depend on the real

estate

for repayment

1-4 Family

Construction, 13%

Land and Other

Construction, 34%

Multifamily, 4%

Owner Occupied

Real Estate, 24%

Other Commercial

Real Estate, 25%

Consumer Real Estate Portfolio

Average Loan Size = $118 thousand

71% are first lien position

Weighted Average

LTV

FICO

Total Portfolio

70%

729

Alt A

78%

727

Negligible subprime exposure (0.1 %)

No negative amortizing mortgages

No Option Adjustable Rate Mortgages

EquiFirst sold 1Q2007

Residential First

Mortgage

14%

Alt A

Home Equity

16%

Remaining Loan

Portfolio

66%

Note: as of September 30, 2007.

6.9%

6.8%

6.6%

6.3%

6.0%

5.5%

5.4%

5.3%

5.2%

4.2%

0.0%

1.0%

2.0%

3.0%

4.0%

5.0%

6.0%

7.0%

Strong Capital Position

Tangible Equity / Tangible Assets

Source: SNL DataSource, Tangible Equity/Tangible Assets as of September 30, 2007.

5.5%

Median

Company Profile

Integration Update

3Q07 Financial Performance

2008-2010 Strategic Initiatives

Summary

Performance Optimization

Efficiency and Productivity

Customer Experience

Strategic Focus Areas

Leverage full depth of Morgan Keegan capabilities

among all Lines of Business

Grow the emerging and mass affluent customer segment

through a fully integrated approach

Increase core customer deposits to optimize the

profitability of balance sheet growth

Enhance overall company productivity

Deliver reliable, consistent service quality across all

Lines of Business to improve customer satisfaction and

retention

Enterprise-wide Strategic Initiatives

Enhance branch network performance

Grow customer deposits profitably

Maximize consumer lending opportunities

Increase number of affluent households

Infuse consistent service quality throughout organization

Consumer Services

Business Services

All Business Services

Business Banking

Commercial &

Industrial

Diversify revenue stream through team-based delivery

Fully implement segmentation and execute relationship

management model

Execution of a team-based client management

model

Expand Capital Markets’

capabilities

Leverage Morgan Keegan’s partnership to build out

specialized industry focus, investment banking and

M&A advisory services

Segment

Initiatives

Create deposit-based value packages of Treasury

Management products

Improve cross-sell to existing single-service clients

Commercial Real Estate

Change from real estate lending focus to team of

financial professionals providing a full array of services

Build regional real estate support hubs for community

markets

Integrate partners (MK, Capital Markets, RIG, Treasury

Mgt.)

Business Services

Community Banking

Insurance

Enable local Relationship Managers to deliver the

bank’s capabilities with centralized support

Develop deposit-based value packages of simplified

Treasury Management products

Align centralized underwriting and management

capabilities to meet market needs

Expand presence in footprint where culture, price

and opportunity intersect

Educate bankers on Regions Insurance Group (RIG)

products and capabilities; educate agents on Regions

Bank products and capabilities

Embed platform sales opportunities into the credit

process

Segment

Initiatives

Grow Equity Capital Markets and Fixed Income Capital

Markets

Grow Private Client Group revenue

Develop a partnership with Private Banking

Develop programs to address the needs of emerging

and mass affluent customers in cooperation with

Consumer Services

Adjust platform program to deliver mass market

investment products

Grow Trust and Asset Management

Morgan Keegan

Strong Growth Driven by Strategic Initiatives

Loans

Deposits

Continued Strong Liquidity and Capital Ratios

Stable Credit Quality

Neutral Interest Rate Risk Profile

Financial Performance

Company Profile

Integration Update

3Q07 Financial Performance

2008-2010 Strategic Initiatives

Summary

Challenging Banking Environment

Regions is well positioned despite challenging

operating environment:

Relatively neutral balance sheet positioning

Credit risks manageable

Strong Morgan Keegan results

Merger opportunities mitigate industry

downturn, allow for increased operating leverage

Exceeding merger-related cost saves