Document:

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                                                                    EXHIBIT 10.9

                             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.

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         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 10.10

                                                                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."

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         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

                                       2<PAGE>
                                                               EXHIBIT NO. 10(q)

STATE OF ALABAMA  )

JEFFERSON COUNTY  )

                             SOUTHTRUST CORPORATION
                                JULIAN W. BANTON
              NONQUALIFIED DEFERRED COMPENSATION PLAN AND AGREEMENT

                  THIS PLAN AND AGREEMENT, by and between SOUTHTRUST
CORPORATION, a Delaware corporation ("SouthTrust") and JULIAN W. BANTON
("Banton"), as follows:

                                   WITNESSETH:

                  WHEREAS, Banton has served SouthTrust and its banking
subsidiary, SouthTrust Bank (the "Bank"), in an executive capacity for a number
of years; and

                  WHEREAS, Banton has provided significant, outstanding and
superlative service to SouthTrust and the Bank during his term of employment and
is currently serving as President of SouthTrust and as a member of the Board;
and

                  WHEREAS, pursuant to the Retirement Agreement entered into on
October 15, 2003, by and between Banton, SouthTrust and the Bank (the
"Retirement Agreement"), Banton agreed to retire from active employment and in
exchange, SouthTrust agreed to accept Banton's retirement, and agreed to provide
certain deferred compensation benefits to Banton as more particularly described
in this Plan; and

                  WHEREAS, it is intended that the Plan shall remain unfunded
for ERISA and tax purposes; and

                  WHEREAS, SouthTrust has established a trust for the SouthTrust
Corporation Julian W. Banton Deferred Compensation Plan and Agreement
(hereinafter referred to as the "Trust") for the purpose of providing upon the
occurrence of certain events, the benefits described under this Plan.

                  NOW, THEREFORE, IN CONSIDERATION OF THE ABOVE PREMISES, and
the mutual covenants hereinafter set forth, faithfully to be kept by the parties
hereto, SouthTrust hereby establishes and adopts the SouthTrust Corporation
Julian W. Banton Nonqualified Deferred Compensation Plan and Agreement, as an
unfunded arrangement to provide cash benefits to Banton pursuant to this Plan.

                                    ARTICLE 1

                                     PURPOSE

                  The purpose of the Plan is to provide financial security to
Banton upon his retirement from SouthTrust and the Bank.

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                                    ARTICLE 2

                                   DEFINITIONS

                  2.1      "Actuarial Equivalent" shall have the meaning
assigned to it in the SouthTrust Corporation Pension Plan.

                  2.2      "Administrator" shall mean the Human Resource
Committee of the Board.

                  2.3      "Board" shall mean the Board of Directors of
SouthTrust.

                  2.4      "Change in Control" shall mean any one or more of the
following: (i) when any person or group of persons, directly or indirectly,
becomes the beneficial owner of, or obtain(s) the right to acquire securities of
SouthTrust representing 20% or more of the combined voting power of SouthTrust's
outstanding voting stock; (ii) when there is a change in the majority of the
members of the Board within any twenty-four month period; (iii) when there is
consummated any merger or consolidation which would result in a change in
control under any other provision of this paragraph; (iv) upon the adoption of
any plan or proposal for the liquidation or dissolution of SouthTrust; or (v)
upon the occurrence of any other event that would be required to be reported
under Item 6(e) of Schedule 14A of Regulation 14A of the Securities Exchange Act
of 1934.

                  2.5      "Code" shall mean the Internal Revenue Code of 1986,
as amended.

                  2.6      "Effective Date" shall mean the 31st day of December,
2003.

                  2.7      "ERISA" shall mean the Employee Retirement Income
Security Act of 1974, as amended.

                  2.8      "Nonqualified Retirement Plans" shall mean the
following: (a) the SouthTrust Corporation Retirement Plan, as amended; (b) the
SouthTrust Corporation Additional Retirement Benefit Plan, as amended; (c) the
SouthTrust Corporation Performance Incentive Retirement Benefit Plan, as
amended; (d) the SouthTrust Corporation Enhanced Retirement Benefit Plan, as
amended; and (e) the SouthTrust Corporation Executive Management Plan, as
amended.

                  2.9      "Plan" shall mean the SouthTrust Corporation Julian
W. Banton Nonqualified Deferred Compensation Plan and Agreement established by
this document and as may be amended from time to time.

                                    ARTICLE 3

                                   ELIGIBILITY

                  Banton, a highly compensated and select management level
employee, shall be the only individual eligible to participate in the Plan.

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                                    ARTICLE 4

                             ESTABLISHMENT OF TRUST

                  The Plan is intended to be an unfunded arrangement for ERISA
and tax purposes. SouthTrust is not required to fund this Plan. However, it may
do so by setting aside such cash and or other property necessary to pay the
benefits set forth hereunder, provided, however, the rights of Banton shall be
those of an unsecured creditor. Any and all funds which may be set aside by
SouthTrust to satisfy any and the obligations created by this Plan shall be paid
by SouthTrust to the Trustee under the Trust which is, at the Effective Date of
this Plan, SunTrust Bank, a Georgia corporation ("Trustee").

                                    ARTICLE 5

                                    BENEFITS

                  5.1      Retirement Benefit.

                           (a)      Pursuant to the terms and conditions set
forth in the Retirement Agreement, Banton is entitled to receive an amount equal
to the difference between the Actuarial Equivalent of the retirement benefits
that Banton has accrued under the Nonqualified Retirement Plans as of December
31, 2003, and the Actuarial Equivalent of the retirement benefits that Banton
would have accrued under such plans had Banton remained in continued employment
with SouthTrust until age sixty-five (65) at his rate of compensation as of
October 15, 2003 (the "Retirement Benefit"); provided, however, that the
calculation of the Retirement Benefit shall only take into account increases in
the retirement benefits due Banton under the Nonqualified Retirement Plans had
Banton remained employed until age 65.

                           (b)      Payment of the Retirement Benefit described
in this Section 5.1 is to be made in the same manner, at the same time, upon
occurrence of the same events, and subject to the same conditions provided under
the SouthTrust Corporation Pension Plan. In event of Banton's death, payment of
the Retirement Benefits described in this Section 5.1 shall be made in the same
manner, at the same time, upon the occurrence of the same events, subject to the
same conditions and to the same beneficiary as provided under the SouthTrust
Corporation Pension Plan.

                  5.2      Additional Retirement Benefit.

                           (a)      In addition to the Retirement Benefit
described in Section 5.1 hereinabove, effective January 1, 2004, SouthTrust
shall establish a bookkeeping account in the name of Banton and shall credit
such account with $500,000.00 (the "Additional Retirement Benefit"). Such
bookkeeping account shall be credited with interest at a rate equal to the
interest rate at which accounts are credited under the SouthTrust Deferred
Compensation Plan, as the same may be amended from time to time.

                           (b)      Commencing January 1, 2004, and continuing
on the first day of each calendar quarter thereafter until October 1, 2014,
SouthTrust shall pay Banton an amount equal to the balance of such bookkeeping
account divided by the number of such quarterly installments remaining. In the
event of Banton's death prior to October 1, 2014, the remaining quarterly
installments shall continue to be paid to Banton's designated beneficiary as
described in Section 5.2(c) herein below.

                           (c)      With respect to the Additional Retirement
Benefit described in this Section 5.2, Banton may designate one or more
individuals or entities as his beneficiary or change any

                                       3
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prior designation, such designation or change to be: (i) in writing; (ii) on
such form as the Administrator shall prescribe, and (iii) maintained by the
Administrator. In the absence of a valid beneficiary designation by Banton,
payment of the Additional Retirement Benefit described in this Section 5.2 shall
be made to Banton's estate. Any such beneficiary designation shall not apply to
the Retirement Benefit described in Section 5.1.

                                    ARTICLE 6

                                 ADMINISTRATION

                  6.1      Administrator. This Plan shall be administered by the
Administrator and the Administrator shall be the named fiduciary for the Plan.
The Administrator will have the full power to administer the Plan in all of its
details, subject to the applicable requirements of law. Any decisions or
determinations made by the Administrator with respect to this Plan shall be
binding and conclusive as to all parties

                  6.2      Administrator's Powers and Duties. The Administrator
shall have the powers and duties to:

                           (a)      Construe and interpret the provisions of the
Plan;

                           (b)      Adopt, amend, or revoke rules and
regulations for the administration of the Plan, provided they are not
inconsistent with the provisions of the Plan;

                           (c)      Provide appropriate parties with such
returns, reports, descriptions and statements as may be required by law, within
the times prescribed by law and to make them available for examination by Banton
when required by law;

                           (d)      Take such other action as may reasonably be
required to administer the Plan in accordance with its terms or as may be
provided for or required by law;

                           (e)      Withhold applicable taxes and file with the
Internal Revenue Service appropriate information returns, with respect to
distributions made from the Plan; and

                           (f)      Appoint and retain such persons, including a
trustee of the Trust, as may be necessary to carry out the functions of the
Administrator.

                           (g)      Upon the occurrence of a Change In Control,
the Administrator shall delegate and the Trustee shall accept any and all
administrative duties created by this Agreement.

                                    ARTICLE 7

                               CLAIMS FOR BENEFITS

                  7.1      Claims for benefits under this Plan shall be
submitted to the Administrator.

                  7.2      Determination of a Claim. Within 90 days after
receipt of the claim by the Administrator, the Administrator shall furnish to
the claimant written notice of the decision with respect to the claim. If
special circumstances require an extension of time of no more than 90 additional
days, then written notice will be given to the claimant before the end of the
original 90 day period and will (a) explain the reasons for the delay and (b)
specify when a determination of the claim is expected to be made. If the claim
is wholly or partially denied, the written notice shall set forth in a manner
reasonably

                                       4
<PAGE>

calculated to be understood by the claimant and shall include: (a) the specific
reason or reasons for the denial; (b) specific reference to pertinent Plan
provisions on which the denial is based; (c) a description of additional
material or information that should have been included with the claim, if any,
and explain its importance in the determination of the claim; and (d) an
explanation of this claims procedure. If the claimant does not receive a denial
notice within 90 days of the date he/she filed the claim (or a notice of delay
in the processing the claim), the claim shall be deemed denied, and such
claimant may appeal the denial in accordance with the procedures set forth
herein below.

                  7.3      Denial of a Claim. Within 60 days after receipt by
the claimant of written notification of denial of a claim, the claimant or
his/her duly authorized representative may appeal such denial by filing with the
Administrator a written application for a review of the denial of the claim. In
connection with such appeal, the claimant or his duly authorized representative:
(a) will have access to all written comments, documents, and records relating to
the claim upon request of the claimant and at no cost to the claimant; (b) may
submit all information, documents, and records, regardless of whether such
information was submitted or considered in the initial claim determination; and
(c) may request a hearing with the Administrator.

                  7.4      Review of Claim Decision. A decision on review of the
denial of the claim shall be made by the Administrator within 60 days after
receipt of a written request unless a hearing has been requested and will be
issued to the claimant in written or electronic form. If special circumstances
require an extension of time for processing of the appeal, the Administrator's
decision on review shall be rendered no later than 120 days after receipt of the
request for review. If special circumstances require an extension, written
notice will be given to the claimant before the end of the original 60 day
period and will (a) explain the reasons for the delay and (b) specify when a
determination of the claim on review is expected to be made. The claimant will
have access to and be permitted to obtain a copy of all documents and records
pertaining to his/her appeal. If the claim is denied on appeal, the notification
of the claimant will include (a) specific reasons for the decision written in a
manner reasonably calculated to be understood by the claimant; (b) contain
specific references to the pertinent portions of the documents governing the
Plan on which the decision is based; (c) a statement informing the claimant that
he/she may access or obtain copies of all relevant documents and records; and
(d) the procedures (if any) for a voluntary appeal, including the right of the
claimant to bring a civil action after an appeal.

                  7.5      Legal Action. No legal action may be commenced or
maintained against SouthTrust and/or the Bank more than 90 days after the
claimant is notified of the Administrator's decision on review pursuant to
Section 7.4 hereinabove.

                                    ARTICLE 8

                                  MISCELLANEOUS

                  8.1      Amendment to Plan. This Plan may be modified or
amended, in whole or in part, only in writing signed by the parties hereto.

                  8.2      Termination of Plan. This Plan may only be terminated
upon the prior written consent of Banton and SouthTrust.

                  8.3      Unsecured Promise. SouthTrust and Banton acknowledge
that this Plan shall create only an unsecured promise by SouthTrust to Banton to
pay the benefits set forth herein and the rights of Banton and any beneficiary
of his to receive such benefits shall be no greater than that of an unsecured
creditor of SouthTrust.

                                       5
<PAGE>

                  8.4      Assignment of Rights to Benefits. Neither Banton nor
any beneficiary of his shall have the right to transfer, assign, alienate,
pledge, or encumber any part of the benefits provided by this Plan, nor shall
such benefits be subject to seizure by legal process by any creditor of Banton
or any of his beneficiaries. Any attempt to effect such a diversion or seizure
shall be deemed null and void for all purposes hereunder.

                  8.5      Unfunded Plan. It is the intention of SouthTrust and
Banton that the Plan be unfunded for ERISA and tax purposes.

                  8.6      Right to Employment. This Plan shall not be construed
as giving Banton any right to continued employment or future employment with
SouthTrust and/or the Bank.

                  8.7      Successors and Assigns. This Plan shall be binding
upon and shall inure to the benefit of the parties hereto, and as to SouthTrust,
this Plan shall be binding upon and shall inure to the benefit of the successors
and assigns of SouthTrust, including any successor or assign of SouthTrust
resulting from any merger, consolidation or reorganization of SouthTrust, any
sale of assets of SouthTrust or any other business combination involving
SouthTrust, and as to Banton, this Plan shall be binding upon and insure to the
benefit of Banton's heirs, executors, administrators and personal
representatives.

                  8.8      Written Notice. Any notice or other communication
required or permitted under the Plan shall be in writing. If directed to
SouthTrust, the notice or communication shall be sent to the Board of SouthTrust
at the principal executive offices of SouthTrust. If directed to Banton, it
shall be sent to Banton at the last known address as it appears on SouthTrust's
records.

                  8.9      Entire Plan. This Plan, as completed and executed by
SouthTrust and Banton, shall constitute the entire Plan and Agreement between
SouthTrust and Banton.

                  8.10     Controlling Law. This Plan shall be governed and
construed in accordance with the laws of the State of Alabama, except to the
extent that the laws of the United States may be applicable.

                  8.11     Expenses. The costs of administering the Plan will be
                           paid by SouthTrust.

                  8.12     Captions. The captions or headings in this Plan are
made for convenience and general reference only and shall not be construed to
describe, define or limit the scope or intent of the provisions of this Plan.

                            (SIGNATURE PAGE FOLLOWS)

                                       6
<PAGE>

                  IN WITNESS WHEREOF, SouthTrust Corporation by and through its
duly authorized officers and Banton have caused this instrument to be executed
under seal on the 31st day of December, 2003.

                                                SOUTHTRUST CORPORATION

                                     By:       /s/ Wallace D. Malone, Jr.
                                         ---------------------------------------

                                         Its:    Chief Executive Officer

ATTEST:

  /s/ John D. Buchanan                             (SOUTHTRUST)
---------------------------
Its Secretary

[CORPORATE SEAL]

    /s/ Jill W. Shelton                              /s/ Julian W. Banton
---------------------------                  ----------------------------------
Witness                                                Julian W. Banton
                                                       (BANTON)

                                       7

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