ZIONS BANCORPORATION, NATIONAL ASSOCIATION

Zions Bancorporation, National Association (NASDAQ: ZION) operates as a regional bank headquartered in Salt Lake City, Utah, serving customers across 11 Western states including Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company maintains a website at www.zionsbancorporation.com.

With approximately $89 billion in total assets and annual net revenue of $3.4 billion, Zions Bancorporation serves more than one million customers through 407 branches and digital channels. The organization employs 9,195 full-time equivalent employees and operates through seven separately managed, geographically defined affiliate banks, each maintaining its own local brand and management team: Zions Bank, California Bank & Trust, Amegy Bank, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington.

The company's business segments include commercial and small business banking, capital markets and investment banking, commercial real estate lending, retail banking, and wealth management. Commercial and small business banking encompasses lending, leasing, depository services, cash management, and merchant processing. Capital markets offerings include loan syndication, risk management services, securities underwriting, and mergers and acquisitions advisory. The commercial real estate division provides term and construction financing secured by multifamily, industrial, retail, office, and residential properties. Retail banking delivers residential mortgages, home equity lines of credit, personal loans, depository accounts, and consumer credit cards. Wealth management provides investment management, fiduciary services, and estate planning solutions.

Zions Bancorporation competes in a highly competitive environment against commercial banks, credit unions, financial technology companies, and private credit funds. The company emphasizes local authority and accountability, leveraging deep community relationships and locally informed pricing to differentiate its service offerings. The organization maintains robust governance frameworks addressing credit risk, interest rate and market risk, liquidity risk, operational risk, cybersecurity risk, and compliance with extensive federal and state banking regulations administered by the Office of the Comptroller of the Currency, Consumer Financial Protection Bureau, and Federal Deposit Insurance Corporation.