QUANTUMONLINE.COM SECURITY DESCRIPTION:  Zions Bancorporation, 7.20% Series J Fixed/Floating Rate Non-Cumulative Perpetual Preferred Stock, liquidation preference $1,000 per share, redeemable at the issuer's option on or after 9/15/2023 at $1,000 per share plus declared and unpaid dividends, and with no stated maturity. Non-cumulative fixed distributions of 7.20% per annum ($72 per annum or $36 per semi-annually) will be paid semi-annually through 9/15/2023 on 3/15 & 9/15 to holders of record that will be 3/1 & 9/1 respectively (NOTE: the ex-dividend date is one business day prior to the record date). On and after 9/15/2023 the non-cumulative distributions will be paid quarterly on 3/15, 6/15, 9/15 & 12/15 at a floating rate equal to the Three-Month LIBOR Three Month Term SOFR plus 0.26161% plus 4.44%. The dividends are non-cumulative and if the board of directors does not declare a dividend or the company fails to pay a dividend declared by the board for any quarterly dividend period, the holder will not be entitled to receive any dividend for that quarterly period and the undeclared or unpaid dividend will not accumulate. Dividends paid by this preferred security are eligible for the preferential income tax rate of 15% to a maximum of 20% depending on the holder's tax bracket (and under IRS specified holding restrictions) and are also eligible for the dividends received deduction for corporate holders (see page S-41 of the prospectus for further information). This security is possibly subject to an early call as a result of the occurrence of a regulatory capital treatment event which no longer allows the company to include the funds originating from this security as Tier 1 capital on their balance sheet (see the prospectus for further information). This security was rated as B1 by Moody’s and BB by S&P at the date of its IPO. In regard to the payment of dividends and upon liquidation, the preferred shares rank junior to the company's senior debt, equally with other preferreds of the company, and senior to the common shares of the company. See the IPO prospectus for further information on the preferred stock by clicking on the ‘Link to IPO Prospectus’ provided below.

Stock Exchange	Cpn Rate Ann Amt	LiqPref CallPrice	Call Date Matur Date	Moodys/S&P Dated	Distribution Dates	15% Tax Rate
	FixFloat $72.00	$1,000.00 $1,000.00	9/15/2023 NONE	NR BB+ 5/26/2025	3/15 & 9/15 Click for MW ExDiv Date Click for Yahoo ExDiv Date	YES

Notes:  Nov. 14, 2024 -- the Zions board of directors has authorized the following capital actions: Full redemption of its Series G Preferred Stock (CUSIP: 989701859) at a redemption price equal to $1,000 per share (equivalent to $25 per depositary share), plus any declared and unpaid dividends, without accumulation of any undeclared dividends; Full redemption of its Series I Preferred Stock (CUSIP: 989701BD8) at a redemption price equal to $1,000 per share, plus any declared and unpaid dividends, without accumulation of any undeclared dividends; Full redemption of its Series J Preferred Stock (CUSIP: 989701BF3) at a redemption price equal to $1,000 per share, plus any declared and unpaid dividends, without accumulation of any undeclared dividends; and Full redemption of $87,890,550 aggregate principal amount of 6.95% Fixed-to-Floating Rate Subordinated Notes due September 15, 2028 (CUSIP: 989701818) at a redemption price equal to the principal amount being redeemed plus any accrued interest. The 7.20% preferred shares were issued on 8/8/2013 and started trading on the Other OTC market 8/12/2013 under the ticker symbol ZIONO. The Series J Preferred Shares will not be listed on any national securities exchange.

Company's Online Information Links

HOME PAGE:     https://www.zionsbancorporation.com/
Company's Investor Relations Information	Go to Investor Relations Information
Company's Online News Releases	Go to News Releases
Online Company Profile	Go to Online Profile

Company's Online SEC EDGAR Filings

Company's SEC EDGAR Filings

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Company's Email Address Links

Email Address	james.abbott@zionsbancorp.com
Email Request Form on Website	Go to Email Form

Address and Phone Numbers

Address:   One South Main, 15th Floor, Salt Lake City, UT 84133
Main Phone Number	801-844-8208
Fax Number	801-524-4659
Investor Relations   James Abbott	801-844-7637
Toll Free Phone Number	Unknown

CEO - Harris H. Simmons

CFO - Paul E. Burdiss