from 8-K >50 pages Underwriting Agreement Regions Financial Corporation $1,000,000,000 5.502% Fixed Rate / Floating Rate Senior Notes Due 2035 September 3, 2024 Barclays Capital Inc. 745 Seventh Avenue New York, New York 10019 Citigroup Global Markets Inc. 388 Greenwich Street New York, New York 10013 Deutsche Bank Securities Inc. 1 Columbus Circle New York, New York 10019 Ubs Securities LLC 1285 Avenue of the Americas New York, New York 10019 Regions Securities LLC 615 South College Street, Suite 600 Charlotte, North Carolina 28202 as Representatives of the Several Underwriters Named in Schedule I Hereto (“You” or the “Representatives”) Ladies and Gentlemen: Regions Financial Corporation, a Delaware Corporation (The “Company”), Proposes, Subject to the Terms and Conditions Stated Herein, to Issue and Sell to the Underwriters Named in Schedule I Hereto (The “Underwriters”) $1,000,000,000 Aggregate Principal Amount of 5.502% Fixed Rate / Floating Rate Senior Notes Due 2035 (The “Securities”) of the Company. the Securities Are to Be Issued Pursuant to an Indenture Dated as of August 8, 2005 (The “Original Indenture”), as Supplemented by the Fourteenth Supplemental Indenture to Be Dated the Closing Date (As Defined in Section 4 Hereof) (The “Fourteenth Supplemental Indenture” And, Together With the Original Indenture, the “Indenture”), Between the Company and Deutsche Bank Trust Company Americas, as Trustee (The “Trustee”). 1.the Company Represents and Warrants To, and Agrees With, Each of the Underwriters That: 2

from 8-K >50 pages Fourteenth Supplemental Indenture Between Regions Financial Corporation and Deutsche Bank Trust Company Americas Dated as of September 6, 2024 Fourteenth Supplement to Indenture Dated as of August 8, 2005 (Senior Debt Securities) 1

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