Month: September 2023

Viatris at UNGA

All countries face risks and potential health threats from an increasing range of factors including infectious diseases, food contamination and threats associated with climate change, extreme weather events and deforestation. Strengthening prevention and preparedness activities can pre-emptively avoid outbreaks, or contain them early on, reduce the possibility of conflicts becoming complex humanitarian health crises, and mitigate the impact of natural disasters.

The United Nations General Assembly (UNGA) 2023 High-level Meeting (HLM) on pandemic prevention, preparedness and response is a unique opportunity for global leaders to place health high on the political agenda and commit to bolstering resilient health systems for pandemic preparedness.

At Viatris, we are working with stakeholders across the globe to prepare for future pandemics. The work includes understanding how healthcare providers and systems can better help patients and respond to the needs of communities.

Building resilient health systems that can meet patient needs on an ongoing basis and respond rapidly and equitably to surges of infectious disease is critical. Our diverse efforts to advance this preparation include the following:

Viatris represents the private sector on the Board of the Global Fund to fight AIDS, TB and Malaria, a unique public-private partnership and one of the largest international financing mechanisms for healthcare delivery. The Global Fund comprises 30% of the international financing for HIV programs, 75% for TB programs and 60% for malaria programs.1 In response to COVID-19, the Global Fund also became a primary funder of programs for COVID-19 and pandemic preparedness in low-income countries. The unique partnership model of the Global Fund brings together the public and private sectors with impacted communities to develop people-centered access solutions.Viatris has worked to understand not only the physical health effects of the pandemic, but also the mental effects. For example, in Brazil we sponsored a study of more than 2,000 workers of the impact of COVID-19 on mental health and wellbeing. The research was conducted by the Getúlio Vargas Foundation and the University of São Paulo. The findings are being used to help shape mental health and oncology policies as well as raise awareness of the important role of patient involvement.Building on our work born from the pandemic that identified gaps and potential solutions for integrating care of HIV and NCDs, we leveraged our partnership with the NCD Alliance in 2022 to advocate and raise awareness of the issues at events including the UN Global Assembly (UNGA) 2022 and the International AIDS Society annual conference. We helped develop an advocacy toolkit targeted at national and regional NCD alliances to unlock local funding for NCDs and its comorbidities.We collaborated in Japan with Minacare and a specialist in health, health policy and internal medicine on the first study investigating the changes in physician visits and medication prescriptions for NCDs before and during the COVID-19 pandemic. The findings will inform decision makers about the management of NCDs in future pandemics.

For more information, see our 2022 Sustainability Report.

A year since first interviewing small business owner Carlos Castro about how T‑Mobile’s 5G business internet and phone plans helped him innovate and evolve during the most difficult times of the pandemic, we asked his take on the current state of Hispanic small businesses and why he thinks celebrating Hispanic Heritage Month is more important than ever.

It’s been one year since we last spoke to Carlos Castro about his business, Todos Neighborhood Market, and his excitement over recently opening a second location in his home of Northern Virginia. Carlos had come out the worst of the pandemic with his beloved business not only intact, but thriving, something that he says was not easy to achieve and was made possible thanks to his understanding of the evolving technologic landscape that could facilitate his growth with T-Mobile’s Business Group’s help.

“I’m excited to speak about the state of things in our community, especially during Hispanic Heritage Month, because I think it’s as important as ever to celebrate a time that recognizes that we exist,” says Carlos. “It recognizes that we have something to contribute, and I know we have a lot that we can offer to both our community and the economy of our country. So this year, to me, it’s even more important than ever before because people hear so many negative things, and we need to put out the positive.”

Always a businessman at heart, Carlos had focused his entrepreneurial efforts on opening a supermarket that specialized in niche foods for members of the diverse residents where he resides in Northern Virginia. Knowing how food brings people together, he says he always envisioned the market as being a hub for networking and support for the community.

After overcoming the most trying economic times during the pandemic, his story was an important testament to the resilience of Hispanic small business owners in the face of adversity. It was also an example of the positive outlook that the United States Hispanic Chamber of Commerce has reported from the business community at a time when the nearly 5 million Hispanic-owned businesses in the United States contributed more than $800 billion annually, and made up nearly one in four businesses in the county.

Carlos fled to the United States from El Salvador in the 1980s during the country’s civil war. He opened the first Todos Supermarket in 1990 to cater to Northern Virginia’s growing Hispanic population with roots in Latin America. For Todos Neighborhood Market, the pandemic magnified the importance of clear and timely communication among store managers, employees and other team members. As founder and CEO of the supermarket, Carlos has about 180 employees in its two locations, and he says T-Mobile’s 5G business internet and phone plans proved vital to communicating business priorities, working with vendors and running an efficient operation.

Despite new challenges affecting small businesses, Carlos’ positivity about the future remains bright, and we caught up with him again at the start of this year’s Hispanic Heritage Month — Sept. 15 – Oct. 15 — to get his personal perspective on how things have changed and to hear why he thinks it’s more important than ever to support Hispanic owned businesses.

How has business been since we last spoke? How are you and your employees doing a year later?

Business continues to grow and we continue to see opportunities. I think Covid helped us realize how important it is to love our neighbors and to make sure during hardship we are proud of who we were. My team did so much to protect the community and protect me even as someone in his late 60s. Actually, I just gave them a bonus. We call it the Covid bonus! We had our first company gala in four years, and then I announced to them that they all were getting a bonus for surviving the pandemic by working together to try to protect each other and protect our community. I think we’re a better society for having gone through it and I still see opportunities. We’re still fighting to make sure that tomorrow is a little better than today. It’s a battle, but it’s a battle we enjoy.

What do you see as the biggest challenge today as a small business?

I think living a normal life today is more difficult for reasons other than the pandemic now because inflation is so high. We have kept raising salaries and at times it doesn’t seem to ever be enough.

In the economic environment that we are living now, as much as I hate to talk about the negative, I’ve seen shoplifting increase dramatically. A lot of companies have lost money from it. It’s why when you go to a store and notice things that were kept out in the open are now under their lock because people feel desperate and risk taking what they need.

Even the cost of doing minor repairs has changed. Inflation is really something that has us all worried, businesses and residents, because you go to the supermarket to try to get food, and now you’re spending two or three hundred dollars on something that not long ago cost sixty to seventy five dollars.

What would you want to say to small Hispanic businesses owners starting out today?

We have a call to action to help each other and to make sure that we are supporting each other in our own environments, such as in a company, to treat each other like family. It’s even more important today. With all the challenges I mentioned of inflation and the political climate, I’m constantly keeping an eye on things to make sure that we’re adjusting the salaries where we need to adjust them, sometimes two and three times in three months, to make sure that we all can live in an honorable way.

Of course, I hope things improve soon, but either way we cannot afford to give up. Many of us come from poor countries, we know what it is to struggle. I saw the pandemic close a lot of small businesses, but more are surviving and trying to evolve. What’s difficult is that some businesses that were viable before the pandemic are unable to remain successful in the same ways. With all the changes in the economy and what’s going on in the market that is evolving so rapidly, it’s made it more difficult for small businesses to use the old models for success.

But the thing that I need to emphasize is don’t give up. If the business is failing, find ways to innovate because you’re already an entrepreneur. You just need to reinvent yourself and find a solution to what you have in your hands. We opened the second supermarket location last year and because of the increased cost of labor and maintenance due to inflation, the numbers that we were working with no longer work today. So, we’re trying to figure out how we’re going to make sure that from now on we can make them work and we are doing more marketing and trying the best we can to reshape our future. And that’s for any industry. The world is changing as we speak but you can evolve too.

Giving up is not an option. We have to keep in mind that we owe it to ourselves and to our community — now more than ever, our community needs our support. Being such a large minority group, we have a lot of power in our hands if we actively participate in our community, and I cannot ask our business community enough for that support because it’s so much needed at this time. My experience has been that the more you give, the better the results you get.

As published in Qualcomm’s 2022 Corporate Responsibility Report

Wireless Reach, our technology for good initiative, brings advanced wireless technologies to people and communities who need it most. The initiative focuses on pioneering uses of mobile innovations to demonstrate how leading-edge technologies, coupled with flexible connectivity solutions, including 4G LTE and 5G, can accelerate sustainable and inclusive development.

Through Wireless Reach, we provide grant funding to support programs that use Qualcomm-enabled technologies to improve people’s lives. To be eligible, programs must address a widespread community need in a strategic market for our Company; be aligned with government information and communication technology (ICT) goals in education, healthcare, environmental and/or other relevant policy objective(s); include strategic stakeholders; and have measurable outcomes and a viable plan to reach scalability and sustainability. Wireless Reach focuses on the following areas of need:

Education: Support high-quality education for all communities, regardless of income status or location, and the potential of “always on, always connected” mobile devices to dramatically improve teaching and learning.Healthcare: Leverage mobile broadband to enable point-of-care devices to provide access to information, reduce costs, increase efficiencies, facilitate remote care in even the most resource-scarce settings and better connect people to their healthcare providers.Entrepreneurship: Enable financial inclusion and reduce inequalities by empowering entrepreneurs to sell products across geographic areas, reach new consumers and access market information and mobile payment systems.Public Safety: Aid access to critical information and communication between mobile users and law enforcement, decreasing crime rates, decreasing emergency response times and supporting disaster preparedness and response.Environmental Sustainability: Address various factors exacerbating climate change, from informing individual-level actions regarding resource management to using data to transform industry practices and policies.

Our 2025 goals serve as milestones to our long-term success, and Wireless Reach is a key part of these efforts. Through Wireless Reach, we aim to enrich the lives of 27 million people by continuing to bring technology to underserved communities around the world.

Learn more in Qualcomm’s 2022 Corporate Responsibility Report

As originally published by GoDaddy’s Venture Forward research initiative

Snapshot of the State of Microbusinesses

A deep dive into the latest numbers and trends of online microbusinesses, their outsized impact, and hotspots of growth by city.

Venture Forward quantifies the presence and impact of over 21 million online microbusinesses on their local economies, providing a unique view into the attitudes, demographics, and needs of the entrepreneurs who create and operate them.

GoDaddy knows that to truly advocate and empower entrepreneurs, you first have to really understand them. So in 2018, we began studying closely and analyzing millions of microbusinesses, defined as an entity with a discrete domain name with an active website, and the majority of whom have fewer than 10 employees. We measured their effect on incomes and unemployment, together with renowned academics at the University of Iowa and University of Arizona, and established they had an outsized impact on these and other economic health indicators.

In 2019, we began surveying the entrepreneurs who own these ventures, nationally and across cities, at least once a year. These surveys help us better understand their mindsets and circumstances.

In 2020, we built a proprietary Microbusiness Activity Index with economists at UCLA Anderson Forecast and created a data hub to update and share our data publicly so those advocating for and studying entrepreneurs could access more information, including measurements of microbusiness density by geography, down to the ZIP code. We update this data on a quarterly basis.

In 2021, we expanded our research to the United Kingdom, and are working now to broaden our coverage elsewhere around the world.

For more details on our research methodology and other findings, please read About us on the Venture Forward website or see our answer to Frequently Asked Questions.

“Tiny Digital Businesses Play Key Role in Local Economies” 
— New York Times April 2020, covering Venture Forward

U.S. Microbusiness Concentration

Microbusinesses Have Major Impact

$489: Each additional microbusiness per 100 people in a county increases household median income by almost $500/year. 
 ~7: About seven new jobs are created by each microbusiness entrepreneur on a county-level.

Recent Snapshot: Microbusiness Density by City (Q2 2023)

Small Cities (Micropolitans with pop. < 250k)Microbusinesses per 100 people (Q2 2023): 4.2% All Cities: 79%Midsized Cities (Metropolitans with pop. 250k – 2m)Microbusinesses per 100 people (Q2 2023): 6.3% All Cities: 17%Large Cities (Metropolitans with pop. 2m+)Microbusinesses per 100 people (Q2 2023): 10.2% All Cities: 4%

Three-Year Growth: Change in Microbusiness Density by (Q2 2020 – Q2 2023) County

Rural (< 100 ppl./square mile)Change in Microbusinesses Density (Q2 2020 – Q2 2023): +14%% All Counties: 60%Suburban (100 – 500 ppl./square mile)Change in Microbusinesses Density (Q2 2020 – Q2 2023): +6%% All Counties: 28%Urban (>500 ppl./square mile)Change in Microbusinesses Density (Q2 2020 – Q2 2023): +6%% All Counties: 12%

Which U.S. Cities Rank Highest in Microbusinesses? 
Cities* Ranked by Microbusiness Counts and Concentration June 2023

Top 10 Cities (by Count) 
Microbusiness Count

New York, NY: 469,294Las Vegas, NV: 323,390Miami, FL: 319,595Los Angeles, CA: 297,083Chicago, IL: 289,701Houston, TX: 239,359Brooklyn, NY: 201,388San Diego, CA: 195,264Austin, TX: 191,029Fort Lauderdale, FL: 163,085 

Top 10 Cities (by Density) 
Density Count

Scottsdale, AZ: 38Irvine, CA: 38 
Tulsa, OK: 37New York, NY: 35Las Vegas, NV: 27Fort Lauderdale, FL: 25Pittsburgh, PA: 25Miami, FL: 22Austin, TX: 22Irving, TX: 20
*Cities with populations over 250K

GoDaddy Venture Forward Report | Summer 2023 | U.S. Edition

This report is powered by the latest data from Venture Forward, a GoDaddy research initiative to quantify the presence and impact of over 21 million online microbusinesses on their local economies, while shining a light on the entrepreneurs behind them. Our goal is to empower anyone who advocates for entrepreneurs with robust data and insights that can’t be found elsewhere.

By Nestor Mato | September 1, 2023

Regions Bank announced a series of financial services to help people and businesses impacted by Hurricane Idalia. The services cover a wide range of communities1 throughout affected areas in Florida, Georgia and South Carolina.

“Our branches are back up and running, and our teams are ready to welcome customers, listen to their needs, and identify ways we can help,” said Steve Nivet, Regions’ Consumer Banking regional executive serving Florida and additional states. “While most of the communities where we operate escaped the worst of Idalia’s impacts, flooding and high winds were widespread, so we’re offering these services to help make the cleanup and recovery easier.”

Special Bank Services:

Disaster-recovery financial services that are now in effect for a limited time in the impacted areas1 include:

Regions Mortgage Disaster Relief Purchase and Renovation loan programsRegions fees will be waived when customers use other banks’ ATMs in the impacted areas for at least seven days. (Note: Fees charged by other banks or ATM owners may still apply.)No check-cashing fee for FEMA-issued checks when cashed in a Regions branch2Personal and business loan payment assistance3Payment deferrals for current credit card holders3Business loan payment deferrals of up to 90 days3One penalty-free CD withdrawal upon request (unless within seven days of issuance or renewal)An interest rate discount of 0.50% on new personal unsecured loans when customers apply in a branch or by phone4An interest rate discount of up to 0.50% on auto loans when customers apply in-branch or by phone5

“Our teams not only work but live in communities that are affected. With the support and resources of the entire Regions Bank organization, we will do everything we can to quickly recover,” said Sharon Hightower, Regions’ Consumer Banking regional executive serving Georgia, South Carolina and additional states. “As large as the affected areas are, so is the outpouring of support. We hope to help ease any financial burdens due to the storm.”

In addition to Regions’ branch network, banking services remain available around the clock through Regions.com, the Regions Mobile App and 1-800-REGIONS.

Here for You:

In addition to the above disaster-recovery financial services, Regions Bank teams can be contacted at the following numbers for customized guidance on a range of lending products, including:

Mortgages, home equity loans and lines: 1-800-748-9498Other consumer loans: 1-866-298-1113Any other banking needs: 1-800-411-9393

About Regions Financial Corporation
Regions Financial Corporation (NYSE:RF), with $156 billion in assets, is a member of the S&P 500 Index and is one of the nation’s largest full-service providers of consumer and commercial banking, wealth management, and mortgage products and services. Regions serves customers across the South, Midwest and Texas, and through its subsidiary, Regions Bank, operates more than 1,250 banking offices and more than 2,000 ATMs. Regions Bank is an Equal Housing Lender and Member FDIC. Additional information about Regions and its full line of products and services can be found at www.regions.com.

1Offers are available for a limited time to individuals and businesses affected by Hurricane Idalia and remnants of the storm in the following ZIP codes; the current list of 525 ZIP codes may be expanded as additional impacts from the remnants of Idalia are experienced and further damage assessments are concluded. Offers may be subject to other exclusions and restrictions and are subject to change or termination without notice. All loans and lines, deferrals, extensions or forbearances are subject to required documentation and credit approval. Residency restrictions may apply. Special interest rates determined by applicant’s credit profile may not extend to products offered by third parties, such as Avant. Initially, impacted ZIP codes in Regions’ retail banking footprint include the following list, which is subject to expansion: 29438, 29446, 29901, 29902, 29903, 29904, 29905, 29906, 29907, 29909, 29910, 29914, 29915, 29920, 29925, 29926, 29927, 29928, 29931, 29935, 29936, 29938, 29940, 29941, 30427, 31302, 31307, 31308, 31312, 31318, 31321, 31322, 31326, 31328, 31401, 31402, 31403, 31404, 31405, 31406, 31407, 31408, 31409, 31410, 31412, 31414, 31415, 31416, 31418, 31420, 31421, 31510, 31513, 31518, 31545, 31551, 31552, 31555, 31556, 31560, 31563, 31564, 31598, 31599, 31601, 31602, 31603, 31604, 31605, 31620, 31623, 31624, 31625, 31626, 31627, 31629, 31632, 31635, 31638, 31639, 31641, 31642, 31643, 31645, 31649, 31698, 31699, 31720, 31722, 31757, 31778, 31788, 31792, 32134, 32182, 32192, 32301, 32302, 32303, 32304, 32305, 32306, 32307, 32308, 32309, 32310, 32311, 32312, 32313, 32314, 32315, 32316, 32317, 32318, 32322, 32323, 32326, 32327, 32328, 32333, 32337, 32343, 32344, 32345, 32346, 32358, 32361, 32362, 32399, 32617, 33538, 34420, 34421, 34470, 34471, 34472, 34478, 34479, 34480, 34483, 34484, 34488, 34489, 34491, 31301, 31304, 31305, 31309, 31310, 31313, 31314, 31315, 31316, 31319, 31320, 31323, 31324, 31327, 31331, 31333, 31411, 31419, 31501, 31502, 31503, 31516, 31520, 31521, 31522, 31523, 31524, 31525, 31527, 31537, 31542, 31543, 31546, 31547, 31548, 31550, 31553, 31557, 31558, 31561, 31562, 31565, 31566, 31568, 31569, 31606, 31630, 31631, 31634, 31636, 31648, 32008, 32009, 32011, 32013, 32024, 32025, 32030, 32034, 32035, 32038, 32040, 32041, 32042, 32044, 32046, 32050, 32052, 32053, 32054, 32055, 32056, 32058, 32059, 32060, 32061, 32062, 32063, 32064, 32065, 32066, 32068, 32071, 32083, 32087, 32091, 32094, 32096, 32097, 32113, 32138, 32140, 32148, 32149, 32160, 32185, 32219, 32220, 32221, 32222, 32234, 32331, 32336, 32340, 32341, 32347, 32348, 32350, 32355, 32356, 32357, 32359, 32601, 32602, 32603, 32604, 32605, 32606, 32607, 32608, 32609, 32610, 32611, 32612, 32614, 32615, 32616, 32618, 32619, 32621, 32622, 32625, 32626, 32627, 32628, 32631, 32633, 32634, 32635, 32639, 32640, 32641, 32643, 32644, 32648, 32653, 32654, 32655, 32656, 32658, 32662, 32663, 32664, 32666, 32667, 32668, 32669, 32680, 32681, 32683, 32686, 32692, 32693, 32694, 32696, 32697, 33544, 33548, 33549, 33556, 33558, 33559, 33601, 33602, 33603, 33604, 33605, 33606, 33607, 33609, 33610, 33611, 33612, 33613, 33614, 33615, 33616, 33617, 33618, 33620, 33622, 33623, 33624, 33625, 33626, 33629, 33630, 33631, 33633, 33634, 33635, 33646, 33647, 33650, 33655, 33664, 33672, 33673, 33674, 33675, 33677, 33679, 33680, 33681, 33682, 33684, 33685, 33686, 33688, 33694, 33701, 33702, 33703, 33704, 33705, 33707, 33708, 33709, 33710, 33711, 33712, 33713, 33714, 33716, 33729, 33730, 33731, 33732, 33733, 33734, 33742, 33743, 33744, 33755, 33756, 33757, 33758, 33759, 33760, 33761, 33762, 33763, 33764, 33765, 33766, 33767, 33769, 33770, 33771, 33772, 33773, 33774, 33775, 33776, 33777, 33778, 33779, 33780, 33781, 33782, 33784, 33785, 33786, 34423, 34428, 34429, 34430, 34431, 34432, 34433, 34434, 34436, 34441, 34442, 34445, 34446, 34447, 34448, 34449, 34450, 34451, 34452, 34453, 34460, 34461, 34464, 34465, 34473, 34474, 34475, 34476, 34477, 34481, 34482, 34487, 34498, 34601, 34602, 34603, 34604, 34605, 34606, 34607, 34608, 34609, 34610, 34611, 34613, 34614, 34636, 34637, 34638, 34639, 34652, 34653, 34654, 34655, 34656, 34660, 34661, 34667, 34668, 34669, 34673, 34674, 34677, 34679, 34680, 34681, 34682, 34683, 34684, 34685, 34688, 34689, 34690, 34691, 34692, 34695, 34697, 34698, 29438, 29446, 29901, 29902, 29903, 29904, 29905, 29906, 29907, 29909, 29910, 29914, 29915, 29920, 29925, 29926, 29927, 29928, 29931, 29935, 29936, 29938, 29940, 29941, 30427, 31302, 31307, 31308, 31312, 31318, 31321, 31322, 31326, 31328, 31401, 31402, 31403, 31404, 31405, 31406, 31407, 31408, 31409, 31410, 31412, 31414, 31415, 31416, 31418, 31420, 31421, 31510, 31513, 31518, 31545, 31551, 31552, 31555, 31556, 31560, 31563, 31564, 31598, 31599, 31601, 31602, 31603, 31604, 31605, 31620, 31623, 31624, 31625, 31626, 31627, 31629, 31632, 31635, 31638, 31639, 31641, 31642, 31643, 31645, 31649, 31698, 31699, 31720, 31722, 31757, 31778, 31788, 31792, 32134, 32182, 32192, 32301, 32302, 32303, 32304, 32305, 32306, 32307, 32308, 32309, 32310, 32311, 32312, 32313, 32314, 32315, 32316, 32317, 32318, 32322, 32323, 32326, 32327, 32328, 32333, 32337, 32343, 32344, 32345, 32346, 32358, 32361, 32362, 32399, 32617, 33538, 34420, 34421, 34470, 34471, 34472, 34478, 34479, 34480, 34483, 34484, 34488, 34489, 34491, 31301, 31304, 31305, 31309, 31310, 31313, 31314, 31315, 31316, 31319, 31320, 31323, 31324, 31327, 31331, 31333, 31411, 31419, 31501, 31502, 31503, 31516, 31520, 31521, 31522, 31523, 31524, 31525, 31527, 31537, 31542, 31543, 31546, 31547, 31548, 31550, 31553, 31557, 31558, 31561, 31562, 31565, 31566, 31568, 31569, 31606, 31630, 31631, 31634, 31636, 31648, 32008, 32009, 32011, 32013, 32024, 32025, 32030, 32034, 32035, 32038, 32040, 32041, 32042, 32044, 32046, 32050, 32052, 32053, 32054, 32055, 32056, 32058, 32059, 32060, 32061, 32062, 32063, 32064, 32065, 32066, 32068, 32071, 32083, 32087, 32091, 32094, 32096, 32097, 32113, 32138, 32140, 32148, 32149, 32160, 32185, 32219, 32220, 32221, 32222, 32234, 32331, 32336, 32340, 32341, 32347, 32348, 32350, 32355, 32356, 32357, 32359, 32601, 32602, 32603, 32604, 32605, 32606, 32607, 32608, 32609, 32610, 32611, 32612, 32614, 32615, 32616, 32618, 32619, 32621, 32622, 32625, 32626, 32627, 32628, 32631, 32633, 32634, 32635, 32639, 32640, 32641, 32643, 32644, 32648, 32653, 32654, 32655, 32656, 32658, 32662, 32663, 32664, 32666, 32667, 32668, 32669, 32680, 32681, 32683, 32686, 32692, 32693, 32694, 32696, 32697, 33544, 33548, 33549, 33556, 33558, 33559, 33601, 33602, 33603, 33604, 33605, 33606, 33607, 33609, 33610, 33611, 33612, 33613, 33614, 33615, 33616, 33617, 33618, 33620, 33622, 33623, 33624, 33625, 33626, 33629, 33630, 33631, 33633, 33634, 33635, 33646, 33647, 33650, 33655, 33664, 33672, 33673, 33674, 33675, 33677, 33679, 33680, 33681, 33682, 33684, 33685, 33686, 33688, 33694, 33701, 33702, 33703, 33704, 33705, 33707, 33708, 33709, 33710, 33711, 33712, 33713, 33714, 33716, 33729, 33730, 33731, 33732, 33733, 33734, 33742, 33743, 33744, 33755, 33756, 33757, 33758, 33759, 33760, 33761, 33762, 33763, 33764, 33765, 33766, 33767, 33769, 33770, 33771, 33772, 33773, 33774, 33775, 33776, 33777, 33778, 33779, 33780, 33781, 33782, 33784, 33785, 33786, 34423, 34428, 34429, 34430, 34431, 34432, 34433, 34434, 34436, 34441, 34442, 34445, 34446, 34447, 34448, 34449, 34450, 34451, 34452, 34453, 34460, 34461, 34464, 34465, 34473, 34474, 34475, 34476, 34477, 34481, 34482, 34487, 34498, 34601, 34602, 34603, 34604, 34605, 34606, 34607, 34608, 34609, 34610, 34611, 34613, 34614, 34636, 34637, 34638, 34639, 34652, 34653, 34654, 34655, 34656, 34660, 34661, 34667, 34668, 34669, 34673, 34674, 34677, 34679, 34680, 34681, 34682, 34683, 34684, 34685, 34688, 34689, 34690, 34691, 34692, 34695, 34697, 34698.

2The FEMA check no-check-cashing-fee offer is available only to Regions customers; if you are not a Regions customer, you must enroll in Regions Now Banking. No checking account is required to enroll in Now Banking. Regions reserves the right to refuse to cash any check.

3May be subject to credit approval. Interest will continue to accrue during the period that the payment is skipped or deferred. For installment loans, deferring or skipping payment may extend the maturity of your loan but will not automatically extend any optional insurance. Forbearances, skipped payments and deferrals (a) may vary by customer, (b) postpone – rather than forgive – certain payment obligations and (c) may require payment in full of the postponed payments at the end of the forbearance or deferral period, in addition to any other amounts that come due, unless you make other arrangements with Regions to resolve the delinquency.

4New personal unsecured loan rate discounts may not be combined with other special offers or discounts.

5Auto loan rate discount of up to 0.50% includes 0.25% disaster relief rate discount with an additional 0.25% rate discount when you enroll in auto debit payments from an existing Regions checking account. Auto loan rate discounts cannot be combined with other special offers or discounts. | Regions and the Regions logo are registered trademarks of Regions Bank. The LifeGreen color is a trademark of Regions Bank.