<SEC-DOCUMENT>0001104659-22-003005.txt : 20220111
<SEC-HEADER>0001104659-22-003005.hdr.sgml : 20220111
<ACCEPTANCE-DATETIME>20220111091729
ACCESSION NUMBER:		0001104659-22-003005
CONFORMED SUBMISSION TYPE:	305B2
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20220111
DATE AS OF CHANGE:		20220111
EFFECTIVENESS DATE:		20220111

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SONOCO PRODUCTS CO
		CENTRAL INDEX KEY:			0000091767
		STANDARD INDUSTRIAL CLASSIFICATION:	PAPERBOARD CONTAINERS & BOXES [2650]
		IRS NUMBER:				570248420
		STATE OF INCORPORATION:			SC
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		305B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-232937
		FILM NUMBER:		22522889

	BUSINESS ADDRESS:	
		STREET 1:		ONE NORTH SECOND ST
		STREET 2:		P O BOX 160
		CITY:			HARTSVILLE
		STATE:			SC
		ZIP:			29551-0160
		BUSINESS PHONE:		8433837000

	MAIL ADDRESS:	
		STREET 1:		ONE N. SECOND STREET
		CITY:			HARTSVILLE
		STATE:			SC
		ZIP:			29550
</SEC-HEADER>
<DOCUMENT>
<TYPE>305B2
<SEQUENCE>1
<FILENAME>tm222507d1_305b2.htm
<DESCRIPTION>305B2
<TEXT>
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<!-- Field: Rule-Page --><DIV STYLE="margin-top: 12pt; margin-bottom: 3pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 2pt solid; border-bottom: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Washington, D.C. 20549 </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM T-1 </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>STATEMENT OF ELIGIBILITY </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>UNDER THE TRUST INDENTURE ACT OF 1939 </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE
</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD>
    <TD STYLE="padding: 0.25pt; font-size: 10pt"><B>CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION 305(b) (2) </B></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>REGIONS BANK </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(Exact name of trustee as specified in its charter)
</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt; text-align: center; width: 49%"><FONT STYLE="font-size: 10pt"><B>Alabama</B></FONT></TD>
    <TD STYLE="text-align: center; vertical-align: bottom; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font-size: 10pt; text-align: center; width: 49%"><FONT STYLE="font-size: 10pt"><B>63-0371391</B></FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: center; vertical-align: top"><B>(Jurisdiction of incorporation or<BR>
organization
if not a U.S. national bank)</B></TD>
    <TD STYLE="text-align: center; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: center; vertical-align: top"><B>(I.R.S. Employer<BR>
Identification No.)</B></TD></TR>
  <TR>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>1900 Fifth Avenue North, Birmingham, AL</B></FONT></TD>
    <TD STYLE="text-align: center; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>35203</B></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>(Address of principal executive offices)</B></FONT></TD>
    <TD STYLE="text-align: center; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>(Zip code)</B></FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Regions Bank </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>3773 Richmond Avenue, Suite 1100 </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Houston, Texas 77046 </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(713) 244-8042 </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(Name, address and telephone number of agent
for service) </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Sonoco Products Company </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(Exact name of obligor as specified in its charter)
</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt; text-align: center; width: 49%"><FONT STYLE="font-size: 10pt"><B>South Carolina</B></FONT></TD>
    <TD STYLE="text-align: center; vertical-align: bottom; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font-size: 10pt; text-align: center; width: 49%"><FONT STYLE="font-size: 10pt"><B>57-0248420</B></FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: center; vertical-align: top"><B>(State or other jurisdiction of<BR>
incorporation
or organization)</B></TD>
    <TD STYLE="text-align: center; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: center; vertical-align: top"><B>(I.R.S. Employer<BR>
Identification No.)</B></TD></TR>
  <TR>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>One North Second Street, Hartsville, SC</B></FONT></TD>
    <TD STYLE="text-align: center; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">29550</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>(Address of principal executive offices)</B></FONT></TD>
    <TD STYLE="text-align: center; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>(Zip code)</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Debt Securities </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Titles of the indenture securities)</P>









<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 9%; padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt"><B>Item 1.</B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt"><B><U>General Information.</U></B> Furnish the following information as to the trustee: </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 4%; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 5%; padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">(a)</FONT></TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Name and address of each examining or supervising authority to which it is subject. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">State of Alabama State Banking Department</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">PO Box 4600</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Montgomery, AL 36103-4600</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Federal Deposit Insurance Corporation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Washington, D.C.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Federal Reserve Bank of Atlanta</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Atlanta, Georgia 30309</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 4%; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 5%; padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">(b)</FONT></TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Whether it is authorized to exercise corporate trust powers. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Yes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 9%; padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt"><B>Item 2.</B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt"><B><U>Affiliations with Obligor.</U></B> If the obligor is an affiliate of the trustee, describe each such affiliation. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">None with respect to the trustee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 9%; padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt"><B>Items 3-15.</B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">No responses are included for Items 3 through 15. Responses to those Items are not required because, as provided in General Instruction B, the obligor is not in default on any securities issued under indentures under which Regions Bank is a trustee. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 9%; padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt"><B>Item 16.</B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt"><B><U>List of Exhibits.</U></B> List below all exhibits filed as a part of this Statement of Eligibility. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="text-align: left; vertical-align: top; font-size: 10pt; width: 10%"><FONT STYLE="font-size: 10pt">Exhibit 1.</FONT></TD>
    <TD STYLE="text-align: left; vertical-align: bottom; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top; font-size: 10pt; width: 89%"><FONT STYLE="font-size: 10pt">A copy of the Articles of Incorporation of the trustee now in effect.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="text-align: left; vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">Exhibit 2.</FONT></TD>
    <TD STYLE="text-align: left; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">The authority of Regions Bank to commence business was granted under the Articles of Incorporation for Regions Bank, incorporated herein by reference to Exhibit 1 of Form T-1.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="text-align: left; vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">Exhibit 3.</FONT></TD>
    <TD STYLE="text-align: left; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">The authorization to exercise corporate trust powers was granted under the Articles of Incorporation for Regions Bank, incorporated herein by reference to Exhibit 1 of Form T-1.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="text-align: left; vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">Exhibit 4.</FONT></TD>
    <TD STYLE="text-align: left; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">A copy of the bylaws of the trustee as now in effect.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="text-align: left; vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">Exhibit 5.</FONT></TD>
    <TD STYLE="text-align: left; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">Not applicable.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="text-align: left; vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">Exhibit 6.</FONT></TD>
    <TD STYLE="text-align: left; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">The consent of the trustee required by Section 321(b) of the Act.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="text-align: left; vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">Exhibit 7.</FONT></TD>
    <TD STYLE="text-align: left; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">A copy of the latest report of condition of the trustee published pursuant to law or the requirements of its supervising or examining authority.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="text-align: left; vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">Exhibit 8.</FONT></TD>
    <TD STYLE="text-align: left; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">Not applicable.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="text-align: left; vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">Exhibit 9.</FONT></TD>
    <TD STYLE="text-align: left; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt">Not applicable.</FONT></TD></TR>
  </TABLE>












<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SIGNATURE</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Pursuant to the requirements of the Trust Indenture Act of 1939, as
amended, the trustee, Regions Bank, a state chartered bank organized and existing under the laws of Alabama, has duly caused this statement
of eligibility to be signed on its behalf by the undersigned, thereunto duly authorized, all in the City of Jacksonville, and State of
Florida on January 11, 2022.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.25pt; font-size: 10pt; width: 50%">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">REGIONS BANK</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.25pt 0.25pt 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 0.25pt; padding-right: 0.25pt; padding-left: 0.25pt">/s/ Craig A. Kaye</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Craig A. Kaye</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Vice President</FONT></TD></TR>
  </TABLE>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>EXHIBIT 1 </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RESTATED ARTICLES OF INCORPORATION </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>OF </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>REGIONS BANK </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The name of this corporation shall be Regions Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The principal place of business shall be 1900 Fifth Avenue North, Birmingham,
Alabama. The general business of Regions Bank (the &#8220;Bank&#8221;) shall be conducted at its main office and its branches and other
facilities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Bank shall have the following objects, purposes and powers:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To sue and be sued, complain and defend, in its corporate name.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To have a corporate seal which may be altered at pleasure, and to use
the same by causing it, or a facsimile thereof, to be impressed or affixed or in any other manner reproduced.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To purchase, take, receive, lease, or otherwise acquire, own, hold,
improve, use and otherwise deal in and with, real or personal property, or any interest therein, wherever situated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To sell, convey, mortgage, pledge, lease, exchange, transfer and otherwise
dispose of all or any part of its property and assets, subject to the limitations hereinafter prescribed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To lend money and use its credit to assist its employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To purchase, take, receive, subscribe for, or otherwise acquire, own,
hold, vote, use, employ, sell, mortgage, lend, pledge, or otherwise dispose of, and otherwise use and deal in and with, shares or other
interests in, or obligations of, other domestic or foreign corporations, associations, partnerships or individuals, or direct or indirect
obligations of the United States or of any other government, state, territory, governmental district, or municipality or of any instrumentality
thereof as may be permitted by law or appropriate regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To make contracts, guarantees, and indemnity agreements and incur liabilities,
borrow money at such rates of interest as the corporation may determine, issue its notes, bonds, and other obligations, and secure any
of its obligations by mortgage, pledge of, or creation of security interests in, all or any of its property, franchises, or income, or
any interest therein, not inconsistent with the provisions of the Constitution of Alabama as the same may be amended from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To lend money for its corporate purposes, invest and reinvest its funds,
and take and hold real and personal property as security for the payment of funds so loaned or invested.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To conduct its business, carry on its operations and have offices and
exercise the powers granted by this Article, within or without the State of Alabama.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To elect or appoint and remove officers and agents of the Bank, and
define their duties and fix their compensation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To make and alter by its board of directors bylaws not inconsistent
with its articles of incorporation or with the laws of this state for the administration and regulation of the affairs of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To make donations for the public welfare or for charitable, scientific,
or educational purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To transact any lawful business which the board of directors shall
find will be in aid of governmental policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To pay pensions and establish pension plans, pension trusts, profit
sharing plans, stock bonus plans, stock option plans and other incentive plans for any or all of its directors, officers and employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To be a promoter, incorporator, partner, member, trustee, associate,
or manager of any domestic or foreign corporation, partnership, joint venture, trust, or other enterprise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To consolidate or merge, before or after the completion of its works
or plants, in the manner herein provided, with any other foreign or domestic corporation or corporations engaged in the business of banking
or trust companies doing a banking business subject to the limitations hereinafter prescribed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To have and exercise all powers permitted by the laws of Alabama necessary
or convenient to effect its purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To discount bills, notes or other evidences of debt.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To receive and pay out deposits, with or without interest, pay checks,
and impose charges for any services.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To receive on special deposit money, bullion or foreign coins or bonds
or other securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To buy and sell foreign and domestic exchanges, gold and silver bullion
or foreign coins, bonds, bills of exchange, notes and other negotiable paper.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To lend money on personal security or upon pledges of bonds, stocks
or other negotiable securities.</P>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To take and receive security by mortgage, security or otherwise on
property, real and personal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To become trustee for any purpose and be appointed and act as executor,
administrator, guardian, receiver, or fiduciary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To lease real and personal property upon specific request of a customer,
provided it complies with any applicable Alabama laws regulating leasing real property or improvements thereon to others.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To perform computer, management and travel agency services for others.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To subscribe to the capital stock and become a member of the federal
reserve system and comply with rules and regulations thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To do any business and exercise directly or through operating subsidiaries
any powers incident to the business of banks.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The duration of the corporation shall be perpetual.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board of Directors is expressly authorized from time to time to
fix the number of Directors which shall constitute the entire Board, subject to the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The number of Directors constituting the entire Board shall be fixed
from time to time by vote of a majority of the entire Board, provided, however, that the number of Directors shall not be reduced so as
to shorten the term of any Director at the time in office, and provided further, shall not be less than three nor more than twenty-five
(25). Each Director shall be the record owner of the requisite number of shares of common stock of the Bank&#8217;s parent bank holding
company fixed by the appropriate regulatory authorities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Notwithstanding any other provisions of the Articles of Incorporation
or the bylaws of the Bank (and notwithstanding the fact that some lesser percentage may be specified by law, these Restated Articles of
Incorporation or the bylaws of the Bank), any Director or the entire Board of Directors of the Bank may be removed at any time, with or
without cause by the affirmative vote of the holders of ninety percent (90%) or more of the outstanding shares of capital stock of the
Bank entitled to vote generally in the election of directors (considered for this purpose as one class) cast at a meeting of the stockholders
called for that purpose.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The aggregate number of shares of capital stock which the Bank shall
have authority to issue is thirty thousand five hundred forty six (30,546) shares, which shall be common stock, par value five dollars
($5.00) per share (the &#8220;Common Stock&#8221;). The Bank shall not issue fractional shares of stock, but shall pay in cash the fair
value of fractions of a share as of the time when those otherwise entitled to receive such fractions are determined.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Shareholders shall not have pre-emptive rights to purchase shares of
any class of capital stock of the Bank. The Bank, at any time and from time to time, may authorize and issue debt obligations, whether
or not subordinated, without the approval of the shareholders.</P>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Authority is hereby expressly granted to the Board of Directors from
time to time to issue any authorized but unissued shares of Common Stock for such consideration and on such terms as it may determine.
Every share of Common Stock of the Bank shall have one vote at any meeting of the shareholders and may be voted by the shareholders of
record either in person or by proxy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In the event of any liquidation, dissolution, or winding up of the
Bank or upon the distribution of the assets of the Bank, the assets of the Bank remaining after satisfaction of all obligations and liabilities
shall be divided and distributed among the holders of the Common Stock ratably. Neither the merger or consolidation of the Bank with another
corporation nor the sale or lease of all or substantially all of the assets of the Bank shall be deemed to be a liquidation, dissolution,
or winding up of the Bank or a distribution of its assets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The holders of Common Stock shall have the exclusive power to vote
and shall have one vote in respect of each share of such stock held by them.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Chief Executive Officer, Secretary, Board of Directors, or holder(s)
of at least 90% of the issued and outstanding voting stock of the Bank may call a special meeting of shareholders at any time. Unless
otherwise provided by the laws of Alabama, notice of the time, place, and purpose of every annual and special meeting of the shareholders
shall be given by first-class mail, postage prepaid, mailed at least ten days prior to the date of such meeting to each shareholder of
record at his address as shown upon the stock transfer book of this Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Bank reserves the right to amend, alter, change or repeal any provision
contained in these Restated Articles of Incorporation, in the manner now or hereafter provided by law, at any regular or special meeting
of the shareholders, and all rights conferred upon officers, directors and shareholders of the Bank hereby are granted subject to this
reservation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Bank shall indemnify its officers, directors, employees, and agents
to the fullest extent permitted by the Constitution and laws of the State of Alabama.</P>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">This amendment to and restatement of the Articles of Incorporation
was duly adopted by vote of the directors of the Bank pursuant to Section 10A-2-10.03 of the Alabama Business Corporation Law and was
approved by the sole shareholder in accordance with Section 10A-2-10.03, by unanimous consent of the holder of 21,546 shares of common
stock, constituting all of the shares of capital stock of the Bank outstanding, indisputably represented, and entitled to vote on the
amendment. The date of adoption of the Restated Articles of Incorporation was October 16, 2014.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">IN WITNESS WHEREOF, said Regions Bank has caused this certificate to
be signed by Fournier J. Gale, III, its Senior Executive Vice President, General Counsel and Corporate Secretary, this 16th day of October,
2014.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">REGIONS BANK</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt; width: 3%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0.25pt; vertical-align: top; width: 47%"><I>/s/ Fournier J. Gale, III</I></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Fournier J. Gale, III</FONT></TD></TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Senior Executive Vice President,
    General</FONT> <FONT STYLE="font-size: 10pt">Counsel and Corporate Secretary</FONT></TD></TR>
  </TABLE>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>STATE OF ALABAMA </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>MONTGOMERY COUNTY </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">I, John D. Harrison, as Superintendent of Banks for the State of Alabama,
do hereby certify that I have fully and duly examined the foregoing Articles of Amendment whereby the shareholder of Regions Bank, a banking
corporation located at Birmingham, Alabama, proposes to Restate the Articles of Incorporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">See attached Articles of Amendment which Restate the Articles of Incorporation
of Regions Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">I do hereby certify that said Amendment of the Articles of Incorporation
appear to be in substantial conformity with the requirements of law and they are hereby approved. Upon the filing of the same, together
with this Certificate of Approval, with the proper agency as required by law, the Restated Articles of Incorporation of said bank shall
be effective.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Given under my hand and seal of office this the 27th day of October,
2014.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.25pt 0.25pt 1pt; width: 50%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 0.25pt; padding-right: 0.25pt; padding-left: 0.25pt; width: 50%"><I>/s/ John D. Harrison</I></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">John D. Harrison</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Superintendent of Banks</FONT></TD></TR>
  </TABLE>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Jefferson County</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.25pt; font-size: 10pt; text-indent: 20pt; width: 50%"><FONT STYLE="font-size: 10pt">I, the Undersigned, as Judge of Probate in and for said County, in said State, hereby certify that the
foregoing is a full, true and correct copy of the instrument with the filing of same as appears of record in this office in vol. <U>201417
</U>page <U>22836</U>. Given under my hand and official seal, this the <U>28th</U> day of <U>October</U>, <U>2014</U>.</FONT></TD>
    <TD STYLE="padding: 0.25pt; font-size: 10pt; text-indent: 20pt; width: 50%">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.25pt"><I>/s/ Alan L. King</I></TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Judge of Probate</FONT></TD>
    <TD STYLE="padding: 0.25pt; font-size: 10pt">&nbsp;</TD></TR>
  </TABLE>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>EXHIBIT 4 </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">BY-LAWS OF</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">REGIONS BANK</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(As amended and restated August 6, 2020)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE I. OFFICES </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 1. <U>Registered Office</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The registered office of Regions Bank (the &#8220;Bank&#8221;) shall
b maintained at the office of the Corporation Service Company, Inc., in the City of Montgomery, in the County of Montgomery, in the State
of Alabama, or such other location as may be designated by the Board of Directors. Corporation Service Company, Inc. shall be the registered
agent of the Bank unless and until a successor registered agent is appointed by the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 2. <U>Other Offices</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Bank may have other offices at such places as the Board of Directors
may from time to time appoint or the business of the Bank may require.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 3. <U>Principal Place of Business</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The principal place of business of the Bank shall be in Birmingham,
Alabama.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE II. MEETINGS OF STOCKHOLDERS </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 1. <U>Annual Meeting</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Annual meetings of stockholders for the election of members of the
Board of Directors (&#8220;Directors&#8221;) and for such other business as the Board of Directors may determine, shall be held at such
place, time and date as the Board of Directors, by resolution, shall determine.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 2. <U>Special Meeting</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Chief Executive Officer, Secretary, Board of Directors or holder
(s) of at least ninety percent (90%) of the issued and outstanding voting stock of the Bank may call a special meeting of stockholders
at any time. Special meetings of stockholders may be held at such place, time and date as shall be stated in the notice of the meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 3. <U>Voting</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The vote of a majority of the votes cast by the shares entitled to
vote on any matter at a meeting of stockholders at which a quorum is present shall be the act of the stockholders on that matter, except
as otherwise required by law or by the articles of incorporation of the Bank.</P>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 4. <U>Quorum</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">At each meeting of stockholders, except where otherwise provided by
applicable law, the Certificate of Incorporation or these By-Laws, the holders of a majority of the outstanding shares of the Bank entitled
to vote on a matter at the meeting, represented in person or by proxy, shall constitute a quorum. If less than a majority of the outstanding
shares are represented, a majority of the shares so represented may adjourn the meeting from time to time without further notice, but
until a quorum is secured no other business may be transacted. The stockholders present at a duly organized meeting may continue to transact
business until an adjournment notwithstanding the withdrawal of enough stockholders to leave less than a quorum.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 5. <U>Notice of Meeting. </U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Written or printed notice stating the place, day and time of the meeting
and, in case of a special meeting of stockholders, the purpose or purposes of the meeting, shall be delivered not less than ten (10) nor
more than sixty (60) days before the date of the meeting to each stockholder of record entitled to vote at such meeting. The notice shall
also include the record date for determining the stockholders entitled to vote at the meeting, if that date is different from the record
date for determining stockholders entitled to notice of the meeting. Such notice may be communicated in person, by telephone, teletype,
telecopier, facsimile transmission or other form of electronic communication, or by mail or private carrier. The notice shall be deemed
to have been delivered (i) if mailed postage prepaid and correctly addressed to a stockholder, upon deposit in the United States mail;
(ii) if mailed by United States mail postage prepaid and correctly addressed to a recipient other than a stockholder, the earliest of
when it is actually received or (A) if sent by registered or certified mail, return receipt requested, the date shown on the return receipt
signed by or on behalf of the addressee or (B) five (5) days after it is deposited in the United States mail; or (iii) if an electronic
transmission, when (A) it enters an information processing system that the recipient has designated or uses for the purposes of receiving
electronic transmissions or information of the type sent, and from which the recipient is able to retrieve the electronic transmission
and (B) it is in a form capable of being processed by that system. The attendance of a stockholder at a meeting shall constitute a waiver
of lack of notice or defective notice of such meeting, unless the stockholder expresses such objection at the beginning of the meeting,
and shall constitute a waiver of any objection to the consideration of a particular matter that is not within the purpose or purposes
described in the notice, unless the stockholder objects to considering the matter before action is taken thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 6. <U>Informal Action by Stockholders. </U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Any action required or permitted to be taken at any meeting of stockholders
may be taken without a meeting, and without prior notice, if one or more consents in writing setting forth the action so taken are signed
by the holders of outstanding stock having not less than the minimum number of votes that would be required to authorize or take the action
at a meeting at which all shares of stock entitled to vote on the action were present and voted. The action must be evidenced by one or
more written consents describing the action taken, signed by the stockholders approving the action and delivered to the Bank for filing
by the Bank with the minutes or corporate records. No written consent shall be effective to take the corporate action referred to therein
unless, within sixty (60) days of the earliest date on which a consent is delivered to the Bank as required by this section, written consents
signed by sufficient stockholders to take the action have been delivered to the Bank. A written consent may be revoked by a writing to
that effect delivered to the Bank before unrevoked written consents sufficient in number to take the corporate action have been delivered
to the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">A consent signed pursuant to the provisions of this section has the
effect of a vote taken at a meeting and may be described as such in any document. The action taken by written consent shall be effective
when written consents signed by sufficient stockholders to take the action have been delivered to the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If action is taken by less than unanimous written consent of the stockholders,
the Bank shall give its nonconsenting stockholders written notice of the action not more than ten (10) days after written consents sufficient
to take the action have been delivered to the Bank. The notice must reasonably describe the action taken and contain or be accompanied
by the same material that would have been required to be sent to stockholders in a notice of a meeting at which the action would have
been submitted to the stockholders for action.</P>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE III. DIRECTORS </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 1. <U>Number of Term</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The number of Directors that shall constitute the whole Board of Directors
shall be fixed, from time to time, by resolutions adopted by the Board of Directors, but shall not be less than five (5) persons or more
than twenty-five (25) persons. The number of Directors shall not be reduced so as to shorten the term of any Director in office at the
time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Directors elected at each annual or special meeting or appointed pursuant
to Article III, Section 4 of these By-Laws shall hold office until the next annual meeting and until his or her successor shall have been
elected and qualified, or until his or her earlier retirement, death, resignation or removal. Directors need not be residents of Alabama.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 2. <U>Chairman of the Board and Vice Chairman of the Board</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board of Directors shall by majority vote designate from time to
time from among its members a Chair of the Board of Directors. The Chair of the Board of Directors shall preside at all meetings of the
stockholders and of the Board of Directors. He or she shall have and perform such duties as prescribed by these By-Laws and by the Board
of Directors. The position of Chair of the Board of Directors is a Board position; provided, however, the position of Chair of the Board
of Directors may be held by a person who is also an officer of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In the absence of the Chair of the Board of Directors, or in the case
he or she is unable to preside, the Lead Independent Director, if at the time a Director of the Bank has been designated by the Board
of Directors as such, shall have and exercise all powers and duties of the Chair of the Board of Directors and shall preside at all meetings
of the Board of Directors. If at any Board of Directors meeting neither of such persons is present or able to act, the Board of Directors
shall select one of its members as acting chair of the meeting or any portion thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 3. <U>Resignations</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Any Director may resign at any time. All resignations shall be made
in writing, and shall take effect at the time of receipt by the Chair of the Board of Directors, Chief Executive Officer, President or
Secretary or at such other time as may be specified therein. The acceptance of a resignation shall not be necessary to make it effective.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 4. <U>Vacancies</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If the office of any Director becomes vacant, including by reason of
resignation or removal, or the size of the Board of Directors is increased, the remaining Directors in office, even if less than a quorum,
by a majority vote, may appoint any qualified person to fill such vacancy or new position, and such person shall hold office for the unexpired
term and until his or her successor shall be duly chosen.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 5. <U>Removal</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Any Director may be removed at any time, with or without cause, by
the affirmative vote of the holders of ninety percent (90%) or more of the outstanding shares of capital stock of the Bank entitled to
vote generally in the election of directors (considered for this purpose as one class) cast at a meeting of stockholders called for that
purpose.</P>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 6. <U>Powers</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The business and affairs of the Bank shall be managed by or under the
direction of the Board of Directors, except as may be otherwise provided by applicable law, the Certificate of Incorporation of the Bank
or pursuant to these By-Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 7. <U>Meetings</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Regular meetings of the Board of Directors may be held without notice
at such places and times as shall be determined from time to time by the Board of Directors; provided, however, that such regular meetings
shall be held at intervals in compliance with the Alabama Banking Code, Section 5-1A-1 <I>et seq. </I>of the Code of Alabama 1975, as
amended (together with any act amendatory thereof, supplementary thereto or substituted therefor, hereinafter referred to as the &#8220;Banking
Code&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Special meetings of the Board of Directors may be called by the Chair
of the Board of Directors, Lead Independent Director, Chief Executive Officer or President, or Secretary on the request of any two members
of the Board of Directors, on at least two (2) days&#8217; notice to each Director and shall be held at such place or places as may be
determined by the Board of Directors, or as shall be stated in the notice of such meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Unless otherwise restricted by the Certificate of Incorporation or
these By-Laws, members of the Board of Directors, or any committee designated by the Board of Directors, may participate in a meeting
of the Board of Directors, or any committee, by means of conference telephone, video or similar communications equipment by means of which
all persons participating in the meeting can hear each other, and such participation in a meeting shall constitute presence in person
at the meeting. Notice of any special meeting of the Board of Directors need not be given personally, and may be given by United States
mail, postage prepaid or by any form of electronic communication, and shall be deemed to have been given on the date such notice is transmitted
by the Bank (which, if notice is mailed, shall be the date when such notice is deposited in the United States mail, postage prepaid, directed
to the applicable Director at such Director&#8217;s address as it appears on the records of the Bank).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 8. <U>Quorum</U></B><U>; <B>Vote Required for Action</B>.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">A majority of the Directors shall constitute a quorum for the transaction
of business. If at any meeting of the Board of Directors there shall be less than a quorum present, a majority of those present may adjourn
the meeting from time to time until a quorum is obtained, and no further notice thereof need be given other than by announcement at the
meeting which shall be so adjourned. The vote of a majority of the Directors present at a meeting at which a quorum is present shall be
the act of the Board of Directors unless the Certificate of Incorporation or these By-Laws shall require a vote of a greater number.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 9. <U>Compensation</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Unless otherwise restricted by the Certificate of Incorporation or
these By-Laws, the Board of Directors shall have the authority to fix the compensation of Directors. Nothing herein contained shall be
construed to preclude any Director from serving the Bank in any other capacity as an officer, agent or otherwise, and receiving compensation
therefor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 10. <U>Action Without Meeting</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Any action required or permitted to be taken at any meeting of the
Board of Directors, or of any committee thereof, may be taken without a meeting, if prior to such action a written consent thereto is
signed by all members of the Board of Directors, or of such committee as the case may be, and such written consent is filed with the minutes
of proceedings of the Board of Directors or committee. Action taken under this section is the act of the Board of Directors when one or
more consents signed by all of the Directors are delivered to the Bank. The consent may specify a later time as the time at which the
action taken is to be effective. A Director&#8217;s consent may be withdrawn by a revocation signed by the Director and delivered to the
Bank before delivery to the Bank of unrevoked written consents signed by all of the Directors. A consent signed under this section has
the effect of action taken at a meeting of the Board of Directors and may be described as such in any document.</P>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 11. <U>Committees</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">A majority of the Board of Directors shall have the authority to designate
one or more committees, each committee to consist of one or more of the Directors of the Bank. The Board of Directors may designate one
or more Directors as alternate members of any committee, who may replace any absent or disqualified member at any meeting of the committee.
Any committee of the Board of Directors, to the extent provided in the resolutions of the Board of Directors or in these By-Laws, shall
have and may exercise the powers of the Board of Directors in the management of the business and affairs of the Bank and may authorize
the seal of the Bank to be affixed to all papers that may require it, in each case to the fullest extent permitted by applicable law.
In the absence or disqualification of any member of a committee from voting at any meeting of such committee, the remaining member or
members thereof present at such meeting and not disqualified from voting, whether or not the remaining member or members constitute a
quorum, may unanimously appoint another member of the Board of Directors to act at such meeting in the place of any such absent or disqualified
member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 12. <U>Eligibility</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">No person shall be eligible to serve as Director of the Bank unless
such person shall be the owner of shares of stock of the parent holding company of the number and held in the manner sufficient to meet
the requirements of any applicable law or regulation in effect requiring the ownership of Directors&#8217; qualifying shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 13. <U>Directors Protected</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In accordance with the Alabama Business Corporation Law, Chapter 2A
of Title 10A of the Code of Alabama (1975), or any statute amendatory or supplemental thereof (the &#8220;Corporation Law&#8221;) and
specifically Section 10A-2A-8.30, each Director shall, in the performance of his or her duties, be fully protected in relying in good
faith upon information, opinions, reports or statements, including financial statements and other financial data, made to the Directors
by the officers or employees of the Bank; legal counsel, public accountants, certified public accountants or other persons as to matters
the Director reasonably believes are within the person&#8217;s professional or expert competence; or a committee of the Board of Directors
of which he or she is not a member if the Director reasonably believes the committee merits confidence, or in relying in good faith upon
other records or books of account of the Bank.</P>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE IV. OFFICERS </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 1. <U>Officers, Elections, Terms</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The officers of the Bank shall be a Chief Executive Officer; a President;
one or more vice presidents or directors (referring in this context to service in an officer capacity), who may be designated Senior Executive
Vice Presidents, Executive Vice Presidents, Executive Managing Directors, Senior Vice Presidents, Managing Directors, Vice Presidents,
Directors, and Assistant Vice Presidents; a Secretary; one or more Assistant Secretaries; a Chief Financial Officer; a Controller; an
Auditor; and such other officers as may be deemed appropriate. All of such officers shall be appointed annually by the Board of Directors
to serve for a term of one (1) year and until their respective successors are appointed and qualified or until such officer&#8217;s earlier
death, resignation, retirement or removal, except that the Board of Directors may delegate the authority to appoint officers holding the
position of Senior Executive Vice President and below in accordance with procedures established or modified by the Board from time to
time. None of the officers of the Bank need be Directors. More than one office may be held by the same person. The conduct of the business
and affairs of the Bank by the officers shall be subject to the oversight of the Board of Directors and of any committee of the Board
of Directors having authority over the subject matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 2. <U>Chief Executive Officer</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board of Directors shall appoint a Chief Executive Officer of the
Bank. The Chief Executive Officer is the most senior executive officer of the Bank, and shall be vested with authority to act for the
Bank in all matters and shall have general supervision of the Bank and of its business affairs, including authority over the detailed
operations of the Bank and over its personnel, with full power and authority during intervals between sessions of the Board of Directors
to do and perform in the name of the Bank all acts and deeds necessary or proper, in his or her opinion, to be done and performed and
to execute for and in the name of the Bank all instruments, agreements and deeds that may be authorized to be executed on behalf of the
Bank or may be required by law. The Chief Executive Officer may, but need not, also hold the office of President.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 3. <U>President</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The President shall have, and may exercise, the authority to act for
the Bank in all ordinary matters and perform other such duties as directed by the By-Laws, the Board of Directors or the Chief Executive
Officer. Among the officers of the Bank, the President is subordinate to only the Chief Executive Officer and is senior to the other officers
of the Bank. The authority of the President shall include authority over the detailed operations of the Bank and over its personnel with
full power and authority during intervals between sessions of the Board of Directors to do and perform in the name of the Bank all acts
and deeds necessary or proper, in his or her opinion, to be done and performed and to execute for and in the name of the Bank all instruments,
agreements and deeds that may be authorized to be executed on behalf of the Bank or may be required by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 4. <U>Vice Presidents</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The vice presidents or directors, who may be designated as Senior Executive
Vice Presidents, Executive Vice Presidents, Executive Managing Directors, Senior Vice Presidents, Managing Directors, Vice Presidents,
Directors, and Assistant Vice Presidents, shall, subject to the control of the Chief Executive Officer or the President, have and may
exercise the authority vested in them in all proper matters, including authority over the detailed operations of the Bank and over its
personnel.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 5. <U>Chief Financial Officer</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Chief Financial Officer, or his or her designee, shall have and
perform such duties as are incident to the office of Chief Financial Officer and such other duties as may from time to time be assigned
to him or her by the Board of Directors, the Chief Executive Officer or the President.</P>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 6. <U>Secretary and Assistant Secretary</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Secretary shall keep minutes of all meetings of the stockholders
and the Board of Directors unless otherwise directed by either of those bodies. The Secretary, or in his or her absence, any Assistant
Secretary, shall attend to the giving and serving of all notices of the Bank. The Secretary shall perform all of the duties incident to
the office of Secretary and shall do and perform such other duties as may from time to time be assigned by the Board of Directors, the
Chair of the Board of Directors, the Chief Executive Officer or the President.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 7. <U>Controller</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Controller shall, under the direction of the Chief Executive Officer,
the President, the Chief Financial Officer or other more senior officer, have general supervision and authority over all reports required
of the Bank by law or by any public body or officer or regulatory authority pertaining to the condition of the Bank and its assets and
liabilities. The Controller shall have general supervision of the books and accounts of the Bank and its methods and systems of recording
and keeping accounts of its business transactions and of its assets and liabilities. The Controller shall be responsible for preparing
statements showing the financial condition of the Bank and shall furnish such reports and financial records as may be required of him
or her by the Board of Directors or by the Chief Executive Officer, the President, the Chief Financial Officer or other more senior officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 8. <U>Auditor</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Auditor&#8217;s office may be filled by an employee of the Bank
or his or her duties may be performed by an employee or committee of the parent company of the Bank. The Auditor shall have general supervision
of the auditing of the books and accounts of the Bank, and shall continuously and from time to time check and verify the Bank&#8217;s
transactions, its assets and liabilities, and the accounts and doings of the officers, agents and employees of the Bank with respect thereto.
The Auditor, whether an employee of the Bank or of its parent, shall be directly accountable to and under the jurisdiction of the Board
of Directors and, if applicable, its designated committee, acting independently of all officers, agents and employees of the Bank. The
Auditor shall render reports covering matters in his or her charge regularly and upon request to the Board and, if applicable, its designated
committee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 9. <U>Other Officers and Agents</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board of Directors may appoint such other officers and agents as
it may deem advisable, such as General Counsel, who shall exercise such powers and perform such duties as shall be determined from time
to time by the Board of Directors. The functions of a cashier of the Bank may be performed by the Controller or any other officer of the
Bank whose area of responsibility includes the function to be performed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 10. <U>Management Policymaking Committee. </U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Pursuant to the By-Laws of Regions Financial Corporation, the Chief
Executive Officer shall establish and name (and may rename from time to time) an executive management committee to develop, publish and
implement policies and procedures for the operation of Regions Financial Corporation and its subsidiaries and affiliates, including the
Bank.</P>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 11. <U>Officer in Charge of Wealth Management</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The officer in charge of Wealth Management shall be designated as such
by the Board of Directors and shall exercise general supervision and management over the affairs of Private Wealth Management, Institutional
Services and Wealth Management Middle Office, which groups are responsible for exercise of the Bank&#8217;s trust powers. Such officer
is hereby empowered to appoint all necessary agents or attorneys; also to make, execute and acknowledge all checks, bonds, certificates,
deeds, mortgages, notes, releases, leases, agreements, contracts, bills of sale, assignments, transfers, powers of attorney or of substitution,
proxies to vote stock, or any other instrument in writing that may be necessary in the purchase, sale, mortgage, lease, assignment, transfer,
management or handling, in any way of any property of any description held or controlled by the Bank in any fiduciary capacity. Said officer
shall have such other duties and powers as shall be designated by the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 12. <U>Other Officers in Private Wealth Management, Institutional
Services, and Wealth Management Middle Office </U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The officer in charge of Wealth Management shall appoint officers responsible
for the activities of Private Wealth Management, Institutional Services and Wealth Management Middle Office. Various other officers as
designated by the officers responsible for the activities of Private Wealth Management, Institutional Services and Wealth Management Middle
Office are empowered and authorized to make, execute and acknowledge all checks, bonds, certificates, deeds, mortgages, notes, releases,
leases, agreements, contracts, bills of sale, assignments, transfers, powers of attorney or substitution, proxies to vote stock or any
other instrument in writing that may be necessary to the purchase, sale, mortgage, lease, assignments, transfer, management or handling
in any way, of any property of any description held or controlled by the Bank in any fiduciary capacity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 13. <U>Removal and Retirement of Officers</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">At its pleasure, the Board of Directors may remove any officer from
office at any time by a majority vote of the Board of Directors; provided, however, that the terms of any employment or compensation contract
shall be honored according to its terms. An individual&#8217;s status as an officer will terminate without the necessity of any other
action or ratification immediately upon termination for any reason of the individual&#8217;s employment by the Bank. Any officer may resign
at any time by delivering notice (whether written or verbal) to the Bank. Such resignation shall be effective immediately unless the notice
of resignation specifies a later effective date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE V. MISCELLANEOUS </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 1. <U>Certificates of Stock</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Certificates of stock of the Bank shall be signed by the President
and the Secretary of the Bank, which signatures may be represented by a facsimile signature. The certificate may be sealed with the seal
of the Bank or an engraved or printed facsimile thereof. The certificate represents the number of shares of stock registered in certificate
form owned by such holder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 2. <U>Lost Certificates</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In case of the loss or destruction of any certificate of stock, the
holder or owner of same shall give notice thereof to the Chief Executive Officer, the President, any Senior Executive Vice President or
the Secretary of the Bank and, if such holder or owner shall desire the issue of a new certificate in the place of the one lost or destroyed,
he or she shall make an affidavit of such loss or destruction and deliver the same to any one of said officers and accompany the same
with a bond with surety satisfactory to the Bank to indemnify the Bank and save it harmless against any loss, cost or damage in case such
certificate should thereafter be presented to the Bank, which affidavit and bond shall be, at the discretion of the deciding party listed
in this Section 2, unless so ordered by a court having jurisdiction over the matter, approved or rejected by the Board of Directors, the
Chief Executive Officer, the President or a Senior Executive Vice President before the issue of any new certificate.</P>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 3. <U>Transfer of Shares</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Title to a certificate and to the shares represented thereby can be
transferred only by delivery of the certificate endorsed either in blank or to a specified person by the person appearing by the certificate
to be the owner of the shares represented thereby, or by delivery of the certificate and a separate document containing a written assignment
of the certificate or a power of attorney to sell, assign, or transfer the same or the shares represented thereby, signed by the person
appearing by the certificate to be the owner of the shares represented thereby. Such assignment or power of attorney may be either in
blank or to a specified person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 4. <U>Fractional Shares</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">No fractional part of a share of stock shall ever be issued by this
Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 5. <U>Stockholders Record Date</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In order that the Bank may determine the stockholders entitled to notice
of or to vote at any meeting of stockholders or any adjournment thereof, or entitled to receive any rights in respect of any change, conversion
or exchange of stock or for any other lawful action, the Board of Directors may fix, in advance, a record date, which shall not be more
than sixty (60) nor less than ten (10) days before the date of such meeting, nor more than sixty (60) days prior to any other action.
A determination of stockholders of record entitled to notice of or to vote at a meeting of stockholders shall apply to adjournment of
the meeting; provided, however, that the Board of Directors may fix a new record date for the adjourned meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 6. <U>Dividends</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Subject to the provisions of the Certificate of Incorporation, at any
regular or special meeting the Board of Directors may, out of funds legally available therefor, declare dividends upon the capital stock
of the Bank as and when it deems expedient. Before declaring any dividend, there may be set apart out of any fund of the Bank available
for dividends, such sum or sums as the Directors, from time to time in their discretion, deem proper for working capital; as a reserve
fund to meet contingencies; for equalizing dividends; or for such other purposes as the Directors shall deem conducive to the interests
of the Bank. No dividends shall be declared that exceed the amounts authorized by applicable laws and regulations or are otherwise contrary
to law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 7. <U>Seal</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Bank may have a corporate seal, which shall have the name of the
Bank inscribed thereon and shall be in such form as prescribed by the Board of Directors from time to time. The seal may also include
appropriate descriptors, such as the words: &#8220;An Alabama Banking Corporation.&#8221; The Secretary of the Bank shall have custody
of the seal and is authorized to affix the same to instruments, documents and papers as required by law or as customary or appropriate
in the Secretary&#8217;s judgment and discretion. Without limiting the general authority of the Board of Directors of the Bank to name,
appoint, remove and define the duties of officers of the Bank, the Secretary is further authorized to cause reproductions of the seal
to be made, distributed to and used by officers and employees of the Bank whose duties and responsibilities involve the execution and
delivery of instruments, documents and papers bearing the seal of the Bank. In this regard, the Secretary is further authorized to establish,
implement, interpret and enforce policies and procedures governing the use of the seal and the authorization by the Secretary of officers
and employees of the Bank to have custody of and to use the seal. Such policies and procedures may include (i) the right of the Secretary
to appoint any Bank employee as an Assistant Secretary of the Bank, if such appointment would, in the Secretary&#8217;s judgment, be convenient
with respect to such employee&#8217;s custody and use of a seal and/or (ii) the right of the Secretary to authorize Bank employees to
have and use seals as delegates of the Secretary without appointing such employees as Assistant Secretaries of the Bank.</P>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 8. <U>Fiscal Year</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The fiscal year of the Bank shall be the calendar year.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 9. <U>Checks, Drafts, Transfers, etc</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Chief Executive Officer, the President, any vice president or director,
any Assistant Vice President, any Branch Manager, any Financial Relationship Specialist, any Financial Relationship Consultant or any
other employee designated by the Board of Directors is authorized and empowered on behalf of the Bank and in its name to sign and endorse
checks and warrants; to execute and deliver any and all documents that are necessary or desirable in connection with the opening of customer
deposit accounts with the Bank, including, without limitation, documents requested or required by a third party in connection with the
opening or rollover of individual retirement accounts to the Bank or otherwise; draw drafts; issue and sign cashier&#8217;s checks; guarantee
signatures; give receipts for money due and payable to the Bank; and sign such other papers and do such other acts as are necessary in
the performance of his or her duties. The authority conveyed to any employee designated by the Board of Directors may be limited by general
or specific resolution of the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 10. <U>Notice and Waiver of Notice</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Whenever any notice whatever is required to be given under the provisions
of any law or under the provisions of the Certificate of Incorporation of the Bank or these By-Laws, a waiver thereof in writing, signed
by the person or persons entitled to notice, whether before or after the time stated therein, shall be deemed equivalent thereto. Attendance
of a person at a meeting shall constitute a waiver of notice of such meeting, except when the person attends a meeting for the express
purpose of objecting, at the beginning of the meeting, to the transaction of business at the meeting because the meeting is not lawfully
called or convened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 11. <U>Right of Indemnity</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To the full extent provided for and in accordance with the Corporation
Law, and specifically Section 10A-2A-8.50 <I>et seq.</I>, the Bank shall indemnify and hold harmless each Director and each officer now
or hereafter serving the Bank against any loss and reasonable expenses actually and necessarily incurred by him or her in connection with
the defense of any claim, or any action, suit or proceeding against him or her or in which he or she is made a party, by reason of him
or her being or having been a Director or officer of the Bank, or who, while a Director or officer of the Bank, is or was serving at the
Bank&#8217;s request as a director, officer, partner, trustee, employee or agent of another foreign or domestic corporation, partnership,
joint venture, trust, employee benefit plan or other enterprise. Such right of indemnity shall not be deemed exclusive of any other rights
to which such Director or officer may be entitled under any statute, article of incorporation, rule of law, other bylaw, agreement, vote
of stockholders or directors, or otherwise. Nor shall anything herein contained restrict the right of the Bank to indemnify or reimburse
any officer or Director in any proper case even though not specifically provided for herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Notwithstanding anything to the contrary, the Bank shall not make or
agree to make any indemnification payment to a Director or officer or any other institution-affiliated party (as such term is defined
in 12 CFR &sect; 359.1) with respect to (i) any civil money penalty or judgment resulting from any administrative or civil action instituted
by any federal banking agency, except in full compliance with 12 CFR Part 359, (ii) any assessment, order of restitution, penalty or similar
liability imposed under authority of the Banking Code, or (iii) any liability for violation of Section 10A-2A-8.32 of the Corporation
Law. In advance of final disposition, the Bank may, but is not required to, pay for or reimburse the reasonable expenses incurred by a
person who may become eligible for indemnification under this Article V, Section 11, provided the conditions set forth in Section 10A-2A-8.53
of the Corporation Law (and, if applicable, 12 CFR &sect; 359.5) shall have been satisfied.</P>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Bank may purchase and maintain insurance on behalf of said Directors
or officers against liability asserted against or incurred by a Director or officer acting in such capacity as described in these By-Laws.
Such insurance coverage shall not be used to pay or reimburse a person for the cost of (i) any judgment or civil money penalty assessed
against such person in an administrative proceeding or civil action commenced by any federal banking agency or (ii) any assessment or
penalty imposed under authority of the Banking Code. Such insurance coverage may be used to pay any legal or professional expenses incurred
in connection with such proceeding or action or the amount of any restitution to the Bank. Any insurance coverage of legal or professional
expenses will be coordinated with the Bank&#8217;s determination whether to advance expenses in advance of final disposition, taking into
account the terms and conditions of the coverage and the requirements of Section 10A-2A-8.53 of the Corporation Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 12. <U>Execution of Instruments and Documents</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Chief Executive Officer; the President; any Senior Executive Vice
President, Executive Vice President, Senior Vice President or Vice President; or any officer holding the title of Executive Managing Director,
Managing Director or Director is authorized, in his or her discretion, to do and perform any and all corporate and official acts in carrying
on the business of the Bank, including, but not limited to, the authority to make, execute, acknowledge, accept and deliver any and all
deeds, mortgages, releases, bills of sale, assignments, transfers, leases (as lessor or lessee), powers of attorney or of substitution,
servicing or sub-servicing agreements, vendor agreements, contracts, proxies to vote stock or any other instrument in writing that may
be necessary in the purchase, sale, lease, assignment, transfer, discount, management or handling in any way of any property of any description
held, controlled or used by Bank or to be held, controlled or used by Bank, either in its own or in its fiduciary capacity and including
the authority from time to time to open bank accounts with the Bank or any other institution; to borrow money in such amounts for such
lengths of time, at such rates of interest and upon such terms and conditions as any said officer may deem proper and to evidence the
indebtedness thereby created by executing and delivering in the name of the Bank promissory notes or other appropriate evidences of indebtedness;
and to guarantee the obligations of any subsidiary or affiliate of the Bank. The enumeration herein of particular powers shall not restrict
in any way the general powers and authority of said officers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">By way of example and not limitation, such officers of the Bank are
authorized to execute, accept, deliver and issue, on behalf of the Bank and as binding obligations of the Bank, such agreements and instruments
as may be within the officer&#8217;s area of responsibility, including, as applicable, agreements and related documents (such as schedules,
confirmations, transfers, assignments, acknowledgments and other documents) relating to derivative transactions, loan or letter of credit
transactions, syndications, participations, trades, purchase and sale or discount transactions, transfers and assignments, servicing and
sub-servicing agreements, vendor agreements, contracts, securitizations and transactions of whatever kind or description arising in the
conduct of the Bank&#8217;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The authority to execute and deliver documents, instruments and agreements
may be limited by resolution of the Board of Directors or a committee of the Board of Directors, by the Chief Executive Officer or by
the President, by reference to subject matter, category, amount, geographical location or any other criteria and may be made subject to
such policies, procedures and levels of approval as may be adopted or amended from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 13. <U>Voting Bank&#8217;s Securities</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Unless otherwise ordered by the Board of Directors, the Chief Executive
Officer, the President, any Executive Vice President or Executive Managing Director or above, the Controller, the Bank&#8217;s General
Counsel and any other officer as may be designated by the Board of Directors shall have full power and authority on behalf of the Bank
(i) to attend and to act and vote or (ii) to execute a proxy or proxies empowering others to attend and to act and vote, at any meetings
of security holders of any of the corporations, partnerships, limited liability companies or other entities in which the Bank may hold
securities and, at such meetings, such officer shall possess and may exercise any and all rights and powers incident to the ownership
of such securities which, as the owner thereof, the Bank might have possessed and exercised, if present.</P>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 14. <U>Bonds of Officers and Employees</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board of Directors shall, pursuant to the Banking Code, designate
the officers and employees who shall be required to give bond and fix the amounts thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 15. <U>Satisfaction of Loans</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On payment of sums lent, for which security shall have been taken either
by way of mortgage or other lien on real or personal property or by the pledge of collateral, whether said loans have been made from funds
of the Bank or from funds held in fiduciary capacity, any officer of the Bank shall have the power and authority to sign or execute any
and all collateral release documents that may be necessary or desirable for the purpose of releasing property or property rights held
by the Bank as collateral for obligations to the Bank that are paid in full or otherwise satisfied or settled and enter the fact of payment
or satisfaction on the margin of the record of any such security or in any other legal manner to cancel such indebtedness and to release
said security, and the Chief Executive Officer, the President or any Vice President or Director of the Bank shall have power and authority
to execute a power of attorney authorizing the cancellation, release or satisfaction of any mortgage or other security given to the Bank
in its corporate or fiduciary capacity, by such person as he or she may in his or her discretion appoint.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE VI. AMENDMENTS </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Except as otherwise provided herein or in the Certificate of Incorporation
of the Bank, these By-Laws may be amended or repealed by the affirmative vote of a majority of the Directors then holding office at any
regular or special meeting of the Board of Directors, and the stockholders may make, alter or repeal any By-Laws, whether or not adopted
by them.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE VII. EMERGENCY BY-LAWS </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 1. <U>Emergency By-Laws. </U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">This Article VII shall be operative if a quorum of the Bank&#8217;s
Directors cannot readily be assembled because of some catastrophic event (an &#8220;emergency&#8221;), notwithstanding any different or
conflicting provisions in these By-Laws, the Certificate of Incorporation or the Code of Alabama. To the extent not inconsistent with
the provisions of this Article VII, the By-Laws provided in the other Articles of these By-Laws and the provisions of the Certificate
of Incorporation shall remain in effect during such emergency, and upon termination of such emergency, the provisions of this Article
VII shall cease to be operative.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 2. <U>Meetings. </U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">During any emergency, a meeting of the Board of Directors, or any committee
thereof, may be called by any member of the Board of Directors, the President, a Senior Executive Vice President, the Secretary or an
Assistant Secretary. Notice of the time and place of the meeting shall be given by any available means of communication by the individual
calling the meeting to such of the Directors and/or Designated Officers, as defined in Section 3 of this Article VII, as it may be feasible
to reach. Such notice shall be given at such time in advance of the meeting as, in the judgment of the individual calling the meeting,
circumstances permit. As a result of such emergency, the Board of Directors may determine that a meeting of stockholders not be held at
any place, but instead be held solely by means of remote communication in accordance with the Corporation Law.</P>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 3. <U>Quorum. </U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">At any meeting of the Board, or any committee thereof, called in accordance
with Section 2 of this Article VII, the presence or participation of two Directors or one Director and a Designated Officer shall constitute
a quorum for the transaction of business. In the event that no Directors are able to attend the meeting of the Board of Directors, then
the Designated Officers in attendance shall serve as directors for the meeting, without any additional quorum requirement and will have
full powers to act as directors of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board of Directors or the committees thereof, as the case may be,
shall, from time to time but in any event prior to such time or times as an emergency may have occurred, designate the officers of the
Bank in a numbered list (the &#8220;Designated Officers&#8221;) who shall be deemed, in the order in which they appear on such list, directors
of the Bank for purposes of obtaining a quorum during an emergency, if a quorum of Directors cannot otherwise be obtained.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 4. <U>By-Laws. </U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">At any meeting called in accordance with Section 2 of this Article
VII, the Board of Directors or a committee thereof, as the case may be, may modify, amend or add to the provisions of this Article VII
so as to make any provision that may be practical or necessary for the circumstances of the emergency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 5. <U>Liability. </U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">No officer, Director or employee of the Bank acting in accordance with
the provisions of this Article VII shall be liable except for willful misconduct.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 6. <U>Repeal or Change. </U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The provisions of this Article VII shall be subject to repeal or change
by further action of the Board of Directors or by action of the stockholders, but no such repeal or change shall modify the provisions
of Section 5 of this Article VII with regard to action taken prior to the time of such repeal or change.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Section 7. <U>Continued Operations.</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In the event of an emergency declared by the President of the United
States or the person performing his or her functions, the officers and employees of the Bank will continue to conduct the affairs of the
Bank under such guidance from the Directors as may be available except as to matters which by statute require specific approval of the
Board of Directors and subject to conformance with any governmental directives or directives of the Federal Deposit Insurance Corporation
during the emergency.</P>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>EXHIBIT 6 </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">CONSENT</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In accordance with Section 321 (b) of the Trust Indenture Act of 1939,
Regions Bank hereby consents that reports of examination of Regions Bank by Federal, State, Territorial or District regulatory authorities
may be furnished by such regulatory authorities to Securities and Exchange Commission upon request therefor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dated: January 11, 2022</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 10pt; font-size: 10pt; text-indent: -10pt; width: 50%">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 10pt; font-size: 10pt; text-indent: -10pt; width: 50%"><FONT STYLE="font-size: 10pt">REGIONS BANK</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.25pt 0.25pt 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 0.25pt; padding-right: 0.25pt; padding-left: 0.25pt">/s/ Craig A. Kaye</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 10pt; font-size: 10pt; text-indent: -10pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 10pt; font-size: 10pt; text-indent: -10pt"><FONT STYLE="font-size: 10pt">Craig A. Kaye</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 10pt; font-size: 10pt; text-indent: -10pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt 0.25pt 0.25pt 10pt; font-size: 10pt; text-indent: -10pt"><FONT STYLE="font-size: 10pt">Vice President</FONT></TD></TR>
  </TABLE>






<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>EXHIBIT 7 </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Consolidated Report of Condition for Insured
Banks and Savings Associations </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>REGIONS BANK </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">As of the close of business on September 30, 2021:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold">ASSETS</TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Thousands of Dollars</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 87%; font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Cash and balances due from depository institutions:</TD><TD STYLE="width: 1%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right">27,617,000</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-indent: -10pt; padding-left: 10pt">Securities:</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">30,264,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Federal funds sold and securities purchased under agreement to resell:</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">0</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Loans and leases held for sale:</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">925,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Loans and leases net of unearned income and allowance:</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">81,842,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Trading Assets:</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">9,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Premises and fixed assets:</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">2,285,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Other real estate owned:</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">17,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Investments in unconsolidated subsidiaries and associated companies:</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">119,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Direct and indirect investments in real estate ventures:</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">0</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Intangible assets:</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">5,219,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Other assets:</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">7,046,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Total Assets:</TD><TD STYLE="font-size: 10pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; font-weight: bold; text-align: right">155,343,000</TD><TD STYLE="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold">LIABILITIES</TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Thousands of Dollars</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 87%; font-size: 10pt; font-weight: bold; text-indent: -10pt; padding-left: 10pt">Deposits</TD><TD STYLE="width: 1%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right">133,779,000</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Federal funds purchased and securities sold under agreements to repurchase</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">0</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Trading liabilities:</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">0</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Other borrowed money:</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">33,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Subordinated notes and debentures:</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">496,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Other Liabilities:</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">2,933,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Total Liabilities</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">137,241,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold">EQUITY CAPITAL</TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Thousands of Dollars</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 87%; font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Common Stock</TD><TD STYLE="width: 1%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right">0</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-indent: -10pt; padding-left: 10pt">Surplus</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">16,399,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Retained Earnings</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">1,153,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Accumulated other comprehensive income</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">532,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Total Equity Capital</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">18,102,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Total Liabilities and Equity Capital</TD><TD STYLE="font-size: 10pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; font-weight: bold; text-align: right">155,343,000</TD><TD STYLE="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</TD></TR>
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