Document:

Exhibit 10.1

Exhibit 10.1 

	 	October 1, 2007 

Mr. C. Dowd Ritter

[Address] 

	 	Re:	Termination of Employment Agreement 

Dear Dowd: 

        The
purpose of this AGREEMENT (the “Agreement”) is to set forth the
mutual understanding between Regions Financial Corporation (the
“Company”) and you in respect of the termination of the employment
agreement, dated October 4, 1999, between you and AmSouth Bancorporation
(“AmSouth”), as amended August 8, 2001, July 8, 2003 and April 23, 2004,
and as modified by the May 24, 2006 letter from you to the Board of Directors of AmSouth
(your employment agreement, as amended and modified, is referred to herein as your
“Employment Agreement”). 

     	1. 	
          Purpose, Effectiveness and Interpretation. 

          

     	  	
               (a)  Purpose. You and the Company desire to terminate your Employment
          Agreement, subject to the provisions of this Agreement. You should review this
          Agreement carefully for the terms and conditions that will apply. 

          

     	  	
               (b)  Effectiveness. If you agree to the terms and conditions of this
          Agreement, please execute and return a copy of this Agreement to the Executive
          Compensation Department of Regions. This Agreement will become effective on
          execution by both you and the Company. 

          

	C. Dowd Ritter 	-2- 

     	2. 	
          Termination of Employment Agreement; Retention Grant; Supplemental Retirement
          Agreement 

          

        If
this Agreement becomes effective, each of the following will occur: 

     	  	
               (a)  Termination of Your Employment Agreement. Your Employment Agreement will
               be terminated and neither you nor the Company or any of its affiliates shall
               have any obligation or liability of any kind under the Employment Agreement. By
               signing this Agreement, you are electing to forgo any payments and benefits you
               may otherwise be eligible to receive under the Employment Agreement, other than
               the payments and benefits under your Employment Agreement that are being
               preserved under the supplemental retirement agreement that you and the Company
               are entering into as of the effective date of this Agreement. 

               

     	  	
               (b)  Retention Grant. In consideration of your commitments as outlined above,
               the Company will grant you an award of 404,984 restricted stock units of
               the Company on a date as determined by the Compensation Committee of the
               Board after your acceptance of this Agreement. These restricted stock units will
               be substantially on the terms of the form of restricted stock unit award
               agreement attached to this Agreement. 

               

        This
Agreement may be executed in counterparts, each of which will constitute an original and
all of which, when taken together, will constitute one agreement. 

	C. Dowd Ritter 	-3- 

        If
you agree to the terms and conditions of this Agreement, please execute and return a copy
of this Agreement to the Executive Compensation Department of the Company. 

	   	REGIONS FINANCIAL CORPORATION  

 
	    	By:  	  
	    	    	
 
	    	
Name:

Title:

	

 

	    	Date:  	  
	    	    	
 

AGREED AND ACKNOWLEDGED: 

			
	  	
	
	
	C. Dowd Ritter  	
	 	 	 
	Date:Exhibit 10.1

Exhibit 10.2 

	 	October 1, 2007 

Mr. C. Dowd Ritter

[Address] 

	 	Re:	Supplemental Retirement Agreement 

Dear Dowd: 

        The
purpose of this AGREEMENT (the “Agreement”) is to set forth the
understanding between Regions Financial Corporation (the
“Company”) and you in respect of certain supplemental retirement benefits
and other benefits and obligations. This Agreement is being entered into in conjunction
with the Company and you agreeing, as of the effective date of this Agreement, to
terminate your employment agreement (the “Employment Agreement”). 

     	1. 	
          Purpose, Effectiveness and Interpretation. 

          

     	  	
               (a)  Purpose. The Company and you desire to set forth the terms of certain
                    supplemental retirement benefits and other benefits and obligations. You should
                    review this Agreement carefully for the terms and conditions that will apply. 

          

     	  	
               (b)  Interpretation. Some of the terms used in this Agreement are defined in
                    the attached Annex, which also includes some of the general provisions that
                    govern this Agreement. The Annex is a part of this Agreement, and you should
                    refer to the Annex as you review the rest of this Agreement. 

          

	  	-2- 

     	  	
               (b)  Effectiveness. If you agree to the terms and conditions of this
                    Agreement, please execute and return a copy of this Agreement to the Executive
                    Compensation Department of Regions. This Agreement will become effective on
                    execution by both you and the Company. 

          

     	2. 	
          Supplemental Retirement Benefits; Medical Coverage; Officer and Director
                    Insurance; Time and Form of Payment 

          

     	  	
               (a)  Supplemental Retirement Benefits. Upon termination of your employment
                    with the Company, you shall be entitled to receive a supplemental retirement
                    benefit (the “Retirement Benefit”) equal to the greater of (i)
                    the lump sum amount of your Employment Agreement Retirement Benefit and (ii) the
                    lump sum amount of your SERP Benefit. The lump sum amount of your Employment
                    Agreement Retirement Benefit shall be calculated based on the assumption that
                    the Employment Agreement Retirement Benefit is paid as a joint and 50% survivor
                    annuity, with the discount and mortality assumptions being the same as those
                    assumptions under the SERP, as in effect from time to time; provided, however,
                    that in the event of your death before termination of your employment with the
                    Company, your lump sum Employment Agreement Retirement Benefit shall be
                    calculated assuming you had retired before your death and had selected a joint
                    and 100% survivor annuity. The lump sum amount of your SERP Benefit shall be
                    calculated based on the assumptions under the SERP, as in effect from time to
                    time. 

               

     	  	
               (b)   Medical Coverage. Upon termination of your employment with the Company
                    for any reason, the Company shall continue to provide you and your then current
                    spouse with medical and dental benefits for the remainder of each of your lives
                    on a basis no less favorable than those benefits provided to you immediately
                    prior to such termination (your ‘Medical Benefits”). In accordance
                    with Section 409A of the Code, the amount of Medical Benefits that you and your
                    spouse receive during any calendar shall not affect the benefits to be provided
                    to you in any other calendar year and your right to receive the Medical Benefits
                    is not subject to liquidation or exchange for another benefit.

               

     	  	
               (c)  Officer and Director Insurance. The Company shall continue officer

               

	  	-3- 

     	  	
and
                    director liability insurance under substantially the same terms and conditions
                    as are in effect immediately prior to termination of your employment at no cost
                    to you until the statute of limitations expires on claims arising prior to such
                    termination and shall continue indemnification and advancement of litigation
                    expenses to the maximum extent and for the maximum period permitted by law;
                    provided, however, that the amount of expenses for which you may receive an
                    advancement during a calendar year shall not affect the amount of expenses for
                    which you are eligible for reimbursement in any other calendar year. Your right
                    to advancement for fees and expenses is not subject to liquidation or exchange
                    for another benefit.

               

     	  	
               (d)  Form and Time of Payment. The Retirement Benefit payable under Section
                    2(a) above shall be payable in a lump sum payment within 30 days following
                    termination of your employment with the Company. In the event of your death
                    prior to termination of your employment with the Company, the Retirement Benefit
                    shall be payable to your spouse, if she survives you, in a lump sum within 30
                    days following your death. Notwithstanding anything herein to the contrary, (A)
                    if you are a “specified employee” at the time you separate from
                    service with the Company and any payment or benefit payable to you under this
                    Agreement or the SERP or any other plan, program arrangement or agreement
                    maintained by the Company is determined to constitute non-qualified deferred
                    compensation, such payment shall be made or such benefit shall be provided on
                    the date that is six months after your separation from service with the Company,
                    all as determined in accordance with Section 409A of the Code, and (B) if you
                    separate from service with the Company on or before December 31, 2007, any
                    amount that you are entitled to receive under this Agreement will be paid to you
                    at the times contemplated under the Employment Agreement (as determined by the
                    Company in accordance with Section 409A of the Code). For purposes of this
                    Agreement, each reference to a joint and survivor annuity shall be based on the
                    assumption that the survivor is your surviving spouse, not an alternate payee.

               

	  	-4- 

     	  	
               (e)  Definitions. For purposes of this Agreement, the following terms have the
                    meaning indicated:

               

	  	        “Employment
Agreement Retirement Benefit” means an amount equal to the Total Retirement
Benefit less the Pension Plan Benefit. 

	  	        “Final
Average Pay” means the average of the sum of your highest annual base salary and
annual bonuses for three of the five years prior to your retirement. 

	  	        “Pension
Plan Benefit” means your benefit under the Company’s tax-qualified defined
benefit pension plan, payable as a joint and 50% survivor annuity. 

	  	        “
SERP”
means the AmSouth Bancorporation Supplemental Retirement Plan, as amended. 

	  	        “
SERP Benefit” means the benefit you would be entitled to receive under the SERP. 

	  	        “Total
Retirement Benefit” means an annual retirement benefit as set forth in the chart
below: 

	
Age at which

Retirement

Benefits Begin
 	
Accrual Factor for Replacement

% of Final Average Pay assuming

Retirement age 62 or older 
 	
Early Payment

Reduction Factor
 	
Total Retirement

Benefit
 

	59 	57% 	91% 	51.87% of Final Average Pay 

	60 	58% 	94% 	54.52% of Final Average Pay 

	61 	59% 	97% 	57.23% of Final Average Pay 

	62 or older 	60% 	100% 	60% of Final Average Pay 

     	3. 	
          Confidential Information; Noncompetition. 

          

     	  	
               (a)  Confidential Information. You shall hold in a fiduciary capacity for the
          benefit of the Company all secret or confidential information, knowledge or data
          relating to the Company or any of its affiliated companies,

               

	 	-5- 

     	  	
          and their respective
          businesses, which shall have been obtained by you during your employment by the
          Company or any of its affiliated companies and which shall not be or become
          public knowledge (other than by acts by you or your representatives in violation
          of this Agreement). After termination of your employment with the Company, you
          shall not, without the prior written consent of the Company or as may otherwise
          be required by law or legal process, communicate or divulge any such
          information, knowledge or data to anyone other than the Company and those
          designated by it.

               

     	  	
               (b)  Noncompetition. Without the prior written consent of the Company, during
          the period of your employment with the Company and for twenty-four (24) months
          following termination of your employment, you shall not, as an employee or an
          officer, engage directly or indirectly in any business or enterprise which is
          “in competition” with the Company or its successors or assigns. For
          purposes of this Agreement, a business or enterprise will be deemed to be
          “in competition” if it is a banking institution, the headquarters of
          which is within one hundred (100) miles from the location of your principal job
          location or office at the time of termination of employment. However, you shall
          be allowed to purchase and hold for investment less than three percent (3%) of
          the shares of any corporation whose shares are regularly traded on a national
          securities exchange or in the over-the-counter market.

               

     	  	
               (c)  In the event of a breach or threatened breach of this Section 3, you agree that
          the Company shall be entitled to injunctive relief in a court of appropriate
          jurisdiction to remedy any such breach or threatened breach. You acknowledge
          that damages would be inadequate and insufficient.

               

     	  	
               (d)  Any termination of your employment or of this Agreement shall have no effect on
          the continuing operation of this Section 3. In no event shall an asserted
          violation of the provisions of this Section 3 constitute a basis for deferring
          or withholding any amounts otherwise payable to you under this Agreement.

               

	  	-6- 

     	4. 	
          Effect of Excise Tax. 

          

     	  	
               (a)  General. This Section 4 will apply to all Payments, including any
          Payments you receive in respect of the merger of the Company and AmSouth
          Bancorporation. In the event of a determination that any Payments are subject to
          the Excise Tax, the Company shall pay to you an amount, within 30 days of the
          determination of the amount (but in any event no later than by the end of your
          taxable year next following the taxable year in which the Excise Tax is
          remitted), which, on an after-tax basis (including federal income and excise
          taxes, and state and local income taxes) equals the Excise Tax. However, if the
          total Payments do not exceed 110% of the Excise Limit, the total Payments will
          be reduced to the Excise Limit. For purposes of this Section 4, you shall
          be deemed to pay federal, state and local income taxes at the highest marginal
          rate of taxation for the calendar year in which the gross up payment is to be
          made, taking into account the maximum reduction in federal income taxes which
          could be obtained from deduction of state and local income taxes.

               

     	  	
               (b)  Determinations. All determinations required to be made under this Section
          4, including as to any underlying assumptions, will be made by the Accounting
          Firm. If your Payments are reduced to the Excise Limit, the Accounting Firm will
          provide you with a written opinion, in form and substance reasonably
          satisfactory to you, that (1) you are not required to pay any Excise Tax and (2)
          your not reporting any Excise Tax on your applicable federal income tax return
          will not result in the imposition of a negligence or similar penalty. The
          Company will bear all fees and expenses of the Accounting Firm, including any
          costs of retaining experts. Determinations by the Accounting Firm in accordance
          with this Section 4(b) will be binding other than as provided in Section 4(c).

               

     	  	
               (c)  Overpayment and Underpayment. As a result of uncertainty and complexities
          in applying Section 4999 of the Code, it is possible that there may be an
          Overpayment or an Underpayment. If the Accounting Firm, the Company (which
          includes the position taken by the Company or any of its affiliates (as
          constituted from time to time, the “Group”) on its federal
          income

               

	  	-7- 

     	  	
          tax return), the Internal Revenue Service, or a court determines that
          there has been an Underpayment, the Company will pay you the Underpayment within
          10 days of determination (but in any event no later than by the end of your
          taxable year next following the taxable year in which the Underpayment is
          remitted), together with interest at the applicable federal rate (as defined in
          Section 1274(d) of the Code) for the term of the Underpayment. If a final
          determination of a court or an Internal Revenue Service proceeding (that has
          been finally and conclusively resolved) establishes that there has been an
          Overpayment, the Overpayment will be deemed for all purposes to be a loan to you
          that was made on the date you received the Overpayment. You agree to repay the
          Overpayment on demand.

               

     	5. 	
          Fees and Expenses; Governing Law; Waiver of Jury Trial; Jurisdiction and
          Choice of Forum;  Counterparts. 

          

     	  	
               (a)  Fees and Expenses. The Company agrees to pay, to the full extent
               permitted by law, all legal fees and expenses reasonably incurred by you as a
               result of any contest by the Company, you or others of the validity or
               enforceability of, or liability under, any provision of this Agreement or any
               guarantee thereof. Reimbursement of your fees and expenses shall be made within
               30 days of the date you submit a request for reimbursement, but in no event
               shall any such amount be reimbursed after the last day of the calendar year
               following the calendar year in which you incurred such fees and expenses.
               However, the Company shall not be liable for any such fees or expenses if a
               court determines that the position taken by you with respect to such contest is
               an unreasonable position or is frivolous. In the event the determination
               described in the preceding sentence is made, you shall promptly repay to the
               Company any reimbursement of fees and expenses that you received from the
               Company before the date of such determination, together with interest at the
               applicable federal rate (as defined in Section 1274(d) of the Code). The amount
               of reimbursement for fees and expenses for which you may be reimbursed during a
               calendar year shall not affect the amount of fees and expenses for which you are
               eligible for reimbursement in any other calendar year. Your right to
               reimbursement for fees and expenses is not subject to liquidation or

               

	  	-8- 

     	  	
          exchange for another benefit.

               

     	  	
               (b)  Governing Law. This Agreement will be governed by and construed in
               accordance with the law of the State of Alabama applicable to contracts
               made and to be performed entirely within that state.

               

     	  	
               (c)  Waiver of Jury Trial. To the extent permitted by law, you and the
               Company waive any and all rights to a jury trial with respect to any
               matter related to your employment with the Company.

               

     	  	
               (d)  Jurisdiction and Choice of Forum. You and the Company irrevocably
               submit to the exclusive jurisdiction of any state or federal court located in
               Birmingham, Alabama over any contest related to this Agreement, your employment
               or termination of your employment. This includes any action or proceeding to
               compel arbitration or to enforce an arbitration award. Both you and the Company
               (1) acknowledge that the forum stated in this Section 5(d) has a reasonable
               relation to this Agreement and to the relationship between you and the Company
               and that the submission to the forum will apply even if the forum chooses to
               apply non-forum law, (2) waive, to the extent permitted by law, any objection to
               personal jurisdiction or to the laying of venue of any action or proceeding
               covered by this Section 5(d) in the forum stated in this Section, (3) agree not
               to commence any such action or proceeding in any forum other than the forum
               stated in this Section 5(d), and (4) agree that, to the extent permitted by law,
               a final and non-appealable judgment in any such action or proceeding in any such
               court will be conclusive and binding on you and the Company. However, nothing in
               this Agreement precludes you or the Company from bringing any action or
               proceeding in any court for the purpose of enforcing the provisions of this
               Section 5(d).

               

     	  	
               (e)  Counterparts. This Agreement may be executed in counterparts, each of
               which will constitute an original and all of which, when taken together, will
               constitute one agreement.

               

	  	-9- 

        If
you agree to the terms and conditions of this Agreement, please execute and return a copy
of this Agreement to the Executive Compensation Department of the Company. 

	   	REGIONS FINANCIAL CORPORATION  

 
	    	By:  	  
	    	    	
 
	    	
Name:

Title:

	

 

	    	Date:  	  
	    	    	
 

AGREED AND ACKNOWLEDGED: 

			
	  	
	
	
	C. Dowd Ritter  	
	 	 	 
	Date: 	 	
		
	

Annex to Agreement of
C. Dowd Ritter 

Some of the terms used in the
attached Agreement are defined in this Annex, which also includes some of the general
provisions that govern the Agreement. This Annex is a part of this Agreement, and you
should refer to this Annex as you review the Agreement. 

1. Definitions. 

        For
purposes of the Agreement, the following terms have the meanings indicated: 

	  	Terms Relating to Excise Tax  

	  	        “Accounting
Firm” means any independent, nationally recognized public accounting firm that
(1) the Company selects before a change in control or (2) that is reasonably acceptable to
you and selected by the surviving company after a change in control. 

	  	        “Excise
Limit” means the greatest amount of Payments that could be made to you without
giving rise to Excise Tax. 

	  	        “Excise
Tax” means the excise tax imposed by Section 4999 of the Code and any related
interest or penalties incurred by you. 

	  	        “Payment”
means any payment made or benefit provided, including any awards and distributions, to you
or for your benefit (i) by the Group, whether or not pursuant to this Agreement, or (ii)
by any other entity in connection with a change in the ownership or effective control of
any member of the Group or a change in the ownership of a substantial portion of the
assets of the Group. 

	  	        “Overpayment”
means any Payment that is above the amount provided in Section 4(a) of the Agreement. 

	  	        “Underpayment”
means any Payment that is not made, consistent with the determination of the Accounting
Firm or the Company pursuant to Section 4(d) of the Agreement, but that should have been
made pursuant to the correct

	C. Dowd Ritter 	-2- 

	  	application of Section 4(a) of the Agreement. 

2. Effect on Other
Agreements. 

          		    (a)       
               Prior Employment Agreements and Severance Rights. This Agreement will
               supersede your Employment Agreement and any earlier employment, severance or
               similar rights you may have with any member of the Group. 

               

          		    (b)       
               Effect on Other Agreements; Entire Agreement. This Agreement is the
               entire agreement between you and the Company with respect to the benefits
               contemplated by this Agreement and supersedes any earlier agreement, written or
               oral, with respect to the subject matter of this Agreement. In entering into
               this Agreement, no party has relied on or made any representation, warranty,
               inducement, promise or understanding that is not in this Agreement. 

               

3. Successors. 

          		    (a)       
               Assignment by You. You may not assign this Agreement without the
               Company’s consent. Also, except as required by law, your right to receive
               payments or benefits under this Agreement may not be subject to execution,
               attachment, levy or similar process. Any attempt to effect any of the preceding
               in violation of this Section 3(a), whether voluntary or involuntary, will be
               void. 

               

          		    (b)       
               Assumption by any Surviving Company. Before the effectiveness of any
               Business Combination, the Company will cause (i) the Surviving Company to
               unconditionally assume this Agreement in writing and (ii) a copy of the
               assumption to be provided to you. After the Business Combination, the Surviving
               Company will be treated for all purposes as the Company under this Agreement. 

               

4. General Provisions. 

     	  	
    (a)       
          Construction. (i) References to the following terms have the meanings
          stated:

               

     	  	
                  1.  
         To Sections are to sections of this Agreement unless

          

	C. Dowd Ritter 	-3- 

     	  	
          otherwise stated. 

          

     		       
         2.  
           To any contract (including this Agreement) are to the contract as
          amended, modified, supplemented or replaced from time to time. 

          

     		       
         3.  
           To any statute, rule or regulation are to the statute,
          rule or regulation as amended, modified, supplemented or replaced from time to
          time (and, in the case of statutes, include any rules and regulations
          promulgated under the statute) and to any section of any statute, rule
          or regulation include any successor to the section. 

          

     		       
         4.  
           To any governmental authority include any successor to the governmental
          authority. 

          

     	 	       
         5.  
           To any plan include any programs, practices and policies. 

          

     	 	       
         6.  
           To any entity include any corporation, limited liability company,
          partnership, association, business trust and similar organization and include
          any governmental authority. 

          

     	 	       
         7.  
           To any affiliate of any entity are to any person or other entity
          directly or indirectly controlling, controlled by or under common control with
          the first entity. 

          

          		    (ii)       
               The various headings in this Agreement are for convenience of reference
               only and in no way define, limit or describe the scope or intent of any
               provisions or Sections of the Agreement or this Annex. 

               

          		    (iii)       
               Unless the context requires otherwise, (A) words describing the singular
               number include the plural and vice versa, (B) words denoting any
               gender include all genders and (C) the words “include”,
               “includes” and “including” will be deemed to
               be followed by the words “without limitation.” 

               

          		    (iv)       
               It is your and the Group’s intention that this Agreement not be construed
               more strictly with regard to you or the Group. 

               

	C. Dowd Ritter 	-4- 

          		    (b)       
               Withholding. You and the Group will treat all payments to you under this
               Agreement as compensation for services. Accordingly, the Group may withhold from
               any payment any taxes that are required to be withheld under any law, rule or
               regulation. 

               

          		    (c)       
               Severability. If any provision of this Agreement is found by any court of
               competent jurisdiction (or legally empowered agency) to be illegal, invalid or
               unenforceable for any reason, then (i) the provision will be amended
               automatically to the minimum extent necessary to cure the illegality or
               invalidity and permit enforcement and (ii) the remainder of this Agreement will
               not be affected. 

               

          		    (d)       
               No Set-off or Mitigation. Your and the Company’s respective
               obligations under this Agreement will not be affected by any set-off,
               counterclaim, recoupment or other right you or any member of the Group may have
               against each other or anyone else. You do not need to seek other employment or
               take any other action to mitigate any amounts owed to you under this Agreement,
               and those amounts will not be reduced if you do obtain other employment. 

               

          		    (e)       
               Notices. All notices, requests, demands and other communications under
               this Agreement must be in writing and will be deemed given (i) on the business
               day sent, when delivered by hand or facsimile transmission (with confirmation)
               during normal business hours, (ii) on the business day after the business day
               sent, if delivered by a nationally recognized overnight courier or (iii) on the
               third business day after the business day sent if delivered by registered or
               certified mail, return receipt requested, in each case to the following address
               or number (or to such other addresses or numbers as may be specified by notice
               that conforms to this paragraph (e): 

               

	C. Dowd Ritter 	-5- 

        If
to you, to: 

	  	
                                    C. Dowd Ritter

                                    2949 Southwood Road

                                    Birmingham, AL  35223

        If to
the Company or any other member of the Group, to: 

	  	
Regions Financial Corporation

P.O. Box 10247

Birmingham, Alabama 35202

Attention: General Counsel

Facsimile: (205) 581-7629

        with
a copy to: 

	  	
                                    Sullivan & Cromwell

                                    125 Broad Street

                                    New York, New York   10004

                                    Attention:  Marc Trevino

                                    Facsimile:  212-558-3588

          		    (f)       
               Consideration. This Agreement is in consideration of the mutual covenants
               contained in it. You and the Company acknowledge the receipt and sufficiency of
               the consideration to this Agreement and intend this Agreement to be legally
               binding. 

               

          		    (g)       
               Amendments and Waivers. Any provision of this Agreement may be amended or
               waived but only if the amendment or waiver is in writing and signed, in the case
               of an amendment, by you and the Company or, in the case of a waiver, by the
               party that would have benefited from the provision waived. Except as this
               Agreement otherwise provides, no failure or delay by you or the Group to
               exercise any right or remedy under this Agreement will operate as a 

               

	C. Dowd Ritter 	-6- 

          		
waiver,
and no partial exercise of any right or remedy will preclude any further exercise.

               

          		    (h)       
               Third Party Beneficiaries. This Agreement will be binding on, inure to
               the benefit of and be enforceable by the parties and their respective heirs,
               personal representatives, successors and assigns. This Agreement does not confer
               any rights, remedies, obligations or liabilities to any entity or person other
               than you and the Company and your and the Company’s permitted successors
               and assigns, although this Agreement will inure to the benefit of the
               Group. 

               

          		    (j)       
               No Golden Parachute Payments; Application to the Appropriate Federal Banking
               Agency. If any Payment would otherwise be a golden parachute payment within
               the meaning of Section 18(k) of the Federal Deposit Insurance Act, the Payment
               will not be made unless permitted under applicable law. The Company will
               use best efforts promptly to apply to the appropriate federal banking agency for
               a determination that any golden parachute payment is permissible. Any Payment
               that is determined permissible will be paid in accordance with its terms or, if
               due before the date of determination, will be paid within 30 days of
               determination together with interest at the applicable federal rate (as defined
               in Section 1274(d) of the Code).

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00130-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00130-of-00352.parquet"}]]