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                                                                  EXHIBIT 10 (t)

       AMENDMENT NO. THREE TO SUPPLEMENTAL EXECUTIVE RETIREMENT AGREEMENT

THIS AMENDMENT, dated as of January 22, 2004, by and between Union Planters
Corporation ("Employer") and Jackson W. Moore ("Participant"), amends that
certain Supplemental Executive Retirement Agreement, dated as of February 23,
1995, as previously amended April 17, 1997, and August 31, 1999, by and between
Employer and Participant (the "SERP").

WHEREAS, Employer and Participant desire to amend the SERP as provided herein;

NOW, THEREFORE, in consideration of the foregoing and of the mutual covenants
and agreements set forth herein and for other good and valuable consideration,
the receipt and adequacy of which is hereby acknowledged, the parties hereto
agrees as follows:

1.       There is hereby added to the end of Section 2.1 following sentence:

         "Notwithstanding anything to the contrary in Article II or any other
         provision of this Agreement, the Normal Retirement Benefit or Reduced
         Retirement Benefit determined under any Section of this Article II
         shall be subject to the limitation provided for in Section 2.10 of this
         Agreement."

2.       There is hereby added a new Section 2.10 to the SERP to read as
         follows:

         "2.10 MAXIMUM SERP PRESENT VALUE UNDER ANY CIRCUMSTANCES.
         Notwithstanding anything to the contrary in Article II or any other
         provision of this Agreement, the maximum present value that may be paid
         to the Participant or his beneficiary under any Section of this Article
         II, and regardless of the circumstances that cause such payment, shall
         be Twenty Five Million Dollars ($25,000,000). For this purpose, (i)
         "maximum present value" shall mean the present value of the payment or
         payments to the Participant or his beneficiary, as determined under the
         applicable section of this Article II; (ii) the Cost of Funds
         Reimbursement under Section 2.9 shall not be subtracted from the
         maximum present value; instead, the maximum present value shall be
         determined after application of the Cost of Funds Reimbursement, if
         any, under Section 2.9, and (iii) any payments or benefits under this
         Agreement, other than payments under this Article II (such as payment
         of attorney's fees, court costs and loss of benefits under Section
         5.13, payment of taxes under Section 5.14, and continuation of medical
         plan coverage under Article VI), shall be in addition to the maximum
         present value provided for in this Section 2.10."

The terms of the SERP not hereby amended shall be and remain in full force and
effect and are not affected by this Amendment.

IN WITNESS WHEREOF, Participant and Employer have duly executed this Amendment
as of the day and year first above written.

/s/ Jackson W. Moore
-------------------------
Jackson W. Moore
Participant

UNION PLANTERS CORPORATION

By: Bobby L. Doxey
Its: Chief Financial Officer<PAGE>
                                                                  EXHIBIT 10 (u)

January 22, 2004

The Board of Directors
Union Planters Corporation
6200 Poplar Ave.
Memphis, TN 38119

RE:  MODIFICATION OF MY RIGHTS UNDER THE SERP

Dear Sirs:

Reference is hereby made to that certain Agreement and Plan of Merger by and
among Union Planters Corporation ("Union Planters") and Regions Financial
Corporation ("Regions") dated as of the date of this letter (the "Merger
Agreement"). Capitalized terms used herein and not otherwise defined have the
meanings set forth in the Employment Agreement Amended and Restated as of April
17, 1997, as amended as of September 26, 2000, and as of the date hereof, among
me, Regions and Union Planters (the "Employment Agreement").

The effectiveness of this letter agreement is subject to the consummation of the
transactions contemplated by the Merger Agreement, and shall be effective on the
Effective Date.

This will confirm that, notwithstanding anything to the contrary in the
Supplemental Executive Retirement Agreement, dated as of February 23, 1995, as
amended April 17, 1999, August 31, 1999 and as of the date hereof, by and
between the Company and me (the "SERP Agreement"), I agree that I will not be
entitled to receive benefits under Section 2.6 of the SERP Agreement unless: (i)
there occurs a Change in Control of Union Planters (or its successor, including
the Company) other than the Merger, or (ii) other than as a result of
termination of my employment by the Company for Cause as defined under Section
4.1 of the Employment Agreement or due to my death or Disability as defined in
Section 4.2(c) of the Employment Agreement or my termination of employment as
contemplated by Section 4.4 of the Employment Agreement, (A) the Company fails
to appoint me to the position of Chief Executive Officer of the Company upon the
expiration of the Initial Period, (B) the Company removes me from the position
of Chief Executive Officer before commencement of the Third Period, or (C) I
fail to become the Chairman of the Board of Directors and Chief Executive
Officer upon the expiration of the Second Period (with respect to clause (ii)
hereof, the date of the "Change in Control" under the SERP Agreement will be
deemed to be the date I receive notice of either such failure or removal). For
purposes of clarity, this letter modifies only my entitlement to benefits in
certain circumstances under Section 2.6 of the SERP Agreement, and has no impact
on my rights to receive benefits under other Sections of the SERP Agreement, or
any other plan or agreement."

Please indicate your agreement with the foregoing by signing as indicated below.

Sincerely,

JACKSON W. MOORE

/s/ Jackson W. Moore
------------------------------

ACCEPTED AND AGREED:

UNION PLANTERS CORPORATION

/s/ Bobby L. Doxey
------------------------------
By: Bobby L. Doxey
Title: Chief Financial Officer<PAGE>

                                                                   EXHIBIT 10.20

                                VCA ANTECH, INC.
                          12401 WEST OLYMPIC BOULEVARD
                       LOS ANGELES, CALIFORNIA 90064-1022

                                                                   March 9, 2004

Robert L. Antin
C/o VCA Antech, Inc.
12401 West Olympic Boulevard
Los Angeles, California 90064-1022

Dear Bob:

         Reference is made to the employment agreement between you and VCA
Antech, Inc. ("VCA") dated September 20, 2000 (the "EMPLOYMENT AGREEMENT"). In
accordance with the loan prohibitions of Section 402 of the Sarbanes-Oxley Act
of 2002, you and VCA hereby agree that the terms of Section 4.3 of the
Employment Agreement which permit you to exercise options by the delivery of a
promissory note in the amount of the exercise price are hereby deleted.

                                            VCA Antech, Inc.

                                            By:    /s/ Tomas W. Fuller
                                                   -----------------------------
                                                   Tomas W. Fuller
                                                   Chief Financial Officer

Acknowledged and Agreed
to this 9th day of March, 2004
/s/ Robert L. Antin
---------------------------
Robert L. Antin<PAGE>

                                                                   EXHIBIT 10.21

                                VCA ANTECH, INC.
                          12401 WEST OLYMPIC BOULEVARD
                       LOS ANGELES, CALIFORNIA 90064-1022

                                                                  March 9, 2004

Arthur J. Antin
C/o VCA Antech, Inc.
12401 West Olympic Boulevard
Los Angeles, California 90064-1022

Dear Art:

         Reference is made to the employment agreement between you and VCA
Antech, Inc. ("VCA") dated September 20, 2000 (the "EMPLOYMENT AGREEMENT"). In
accordance with the loan prohibitions of Section 402 of the Sarbanes-Oxley Act
of 2002, you and VCA hereby agree that the terms of Section 4.3 of the
Employment Agreement which permit you to exercise options by the delivery of a
promissory note in the amount of the exercise price are hereby deleted.

                                          VCA Antech, Inc.

                                          By:  /s/ Robert L. Antin
                                               ---------------------------------
                                               Robert L. Antin
                                               Chief Executive Officer

Acknowledged and Agreed
to this 9th day of March, 2004
/s/ Arthur J. Antin
---------------------------
Arthur J. Antin<PAGE>

                                                                   EXHIBIT 10.22

                                VCA ANTECH, INC.
                          12401 WEST OLYMPIC BOULEVARD
                       LOS ANGELES, CALIFORNIA 90064-1022

                                                                  March 9, 2004

Tomas W. Fuller
C/o VCA Antech, Inc.
12401 West Olympic Boulevard
Los Angeles, California 90064-1022

Dear Tom:

Reference is made to the employment agreement between you and VCA Antech, Inc.
("VCA") dated September 20, 2000 (the "EMPLOYMENT AGREEMENT"). In accordance
with the loan prohibitions of Section 402 of the Sarbanes-Oxley Act of 2002, you
and VCA hereby agree that the terms of Section 4.3 of the Employment Agreement
which permit you to exercise options by the delivery of a promissory note in the
amount of the exercise price are hereby deleted.

                                            VCA Antech, Inc.

                                            By:  /s/ Robert L. Antin
                                                 -------------------------------
                                                  Robert L. Antin
                                                  Chief Executive Officer

Acknowledged and Agreed
to this 9th day of March, 2004
/s/ Tomas W. Fuller
---------------------------
Tomas W. Fuller

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