| Free Writing Prospectus (To the Prospectus dated April 4, 2011, as supplemented by the Preliminary Prospectus Supplement dated October 28, 2013) |
Filed Pursuant to Rule 433 Registration Statement No. 333-173299 October 30, 2013 |
Zions Direct Auctions - View Auction Page 1 of 2 ABOUT PRODUCTS & SERVICES AUCTIONS BOND STORE TRADING UNIVERSITY THINK CUSTOMER SERVICE OPEN ACCOUNT LOGIN 1.800.524.8875 AUCTIONS DIRECTORY ISSUERS AUCTIONS UNIVERSITY DEMOS HOME :: HOME :: AUCTION #11715 View Auction Zions Bancorporation / 10 Year Corporates Subordinated Notes | Fixed-to-Floating Rate | May be redeemed in whole or in part any time on or after November 15, 2018 | Kroll BBB- | S&P:BB+ | Fitch:BB+ | DBRS:BBH Please disregard the yield to maturity because the rate will float during the last 5 years. Auction Status: ACCEPTING BIDS Security Type: Corporate Bonds Auction Start: 10/30/2013 9:00 AM EDT Issue Type: Primary Auction End: 10/31/2013 3:00 PM EDT Coupon To be determined in auction Last Update: 10/30/2013 9:00:14 AM EDT Maturity Date: 11/15/2023 Offering Documents Auction Details ISSUE INFORMATION BIDDING INFORMATION Call Feature: Callable Auction Phase: Sizing First Call Date: 11/15/2018 Current Principal Offered: $ 25,000,000.00 First Call Price: 100.000000 Current Units Offered: 25,000 Settlement Date: 11/5/2013 Number of Bidders: 0 First Interest Date: 5/15/2014 Number of Bids: 0 Int. Frequency: Semi-Annually Fixed Price: 100.000000 Day Basis: 30/360 Current Market-Clearing Yield: 6.000% Minimum Offering: $ 25,000,000.00 Current Yield to Maturity: 6.000% Maximum Offering: $ 162,000,000.00 Current Yield to Call: 6.000% Sizing Phase End: 10/31/2013 1:00 PM EDT Denomination: $ 1,000.00 Before submitting bids in this auction you must Register or Sign In. Bid Multiple: Multiples of 0.05 Min. Yield: 5.650% Max. Yield: 6.000% Fixed Price: 100.000000 Note: This page will check for updates every minute. Zions Bancorporation has filed a registration statement (Registration Statement No. 333-173299, including a prospectus) with the SEC for the offering to which this communication relates. Before you invest, you should read the prospectus dated April 4, 2011 contained in that registration statement, the preliminary prospectus supplement dated October 28, 2013, and other documents Zions Bancorporation has filed with the SEC for more complete information about Zions Bancorporation and this offering. You may get these documents for free by visiting EDGAR on the SEC Web site at www.sec.gov. Alternatively, Zions Bancorporation, any underwriter or any dealer participating in this offering will arrange to send you a copy of these documents by calling Deutsche Bank Securities Inc. toll-free at 1-800-503-4611, Goldman, Sachs & Co. toll-free at 1-866-471-2526, Merrill Lynch, Pierce, Fenner & Smith Incorporated toll free at 1-800-294-1322, Macquarie Capital (USA) Inc. toll-free at 1-888-268-3937 or by visiting Zions Direct’s auction website at www.zionsdirect.com. *The current Market-Clearing Yield/Final Auction Yield is calculated as Yield to Worst (YTW) which is the lowest yield of yield to maturity, yield to call, yield to put, or other yields when a bond is callable, puttable, exchangeable, or has other features. If a bond is called, put or exchanged before maturity, the bondholder only earns interest on the time that has elapsed between purchasing the bond and its early redemption. The resulting yield is less than what would have been earned had the bond been held until maturity. NEWSLETTER Get market information, auction updates, new-issue alerts, and more. It’s weekly and it’s free! Email Address Investment Products: Not FDIC Insured No Bank Guarantee May Lose Value Bank Deposits and Certificates of Deposit (CDs) are FDIC Insured up to Applicable Limits Securities products and services offered by Zions Direct, Member FINRA / SIPC, a non-bank subsidiary of Zions Bank. Affiliates of Zions Bank or other issuers may purchase CDs or securities through the auction process. The market clearing yield may be lower due to the participation of an affiliate in the auction which may benefit the affiliated issuer. Our Affiliates: Zions Direct Amegybank of Texes California Bank The Commerce Bank The Commerce Bank of Washington National Bank Nevada State Bank Vectra Bank Zions Bank OTHER PRODUCTS CONTACT US ABOUT US SITE MAP PRIVACY POLICY TERMS AND CONDITIONS Please direct questions regarding the website or bidding procedures to the Auction Administrator. https://www.auctions.zionsdirect.com/auction/11715/summary 10/30/2013
Zions Direct Auctions - View Auction Page 2 of 2 You may also call our Investment Center at 800-524-8875 from 8am to Midnight Eastern Time. Powered by Grant Street Group Secured entrust Verify Zions https://www.auctions.zionsdirect.com/auction/11715/summary 10/30/2013
Zions Direct Auctions - Bidding Qualification Page 1 of 1 ABOUT PRODUCTS & SERVICES AUCTIONS BOND STORE TRADING UNIVERSITY THINK CUSTOMER SERVICE OPEN ACCOUNT LOGOUT 1.800.524.8875 AUCTIONS DIRECTORY ISSUERS AUCTIONS UNIVERSITY DEMOS MY ACCOUNT ZDREVIEW :: HOME :: HOME :: AUCTION #11715 Bidding Qualification Zions Bancorporation / 10 Year Corporates Subordinated Notes | Fixed-to-Floating Rate | May be redeemed in whole or in part any time on or after November 15, 2018 | Kroll BBB-DBRS:BBH Please confirm your agreement with each of the following by checking the box next to each statement. I agree that the following contact information is correct: NAME: ZD Review E-MAIL: auctions@zionsdirect.com TELEPHONE: 8015248875 I have accessed or received the Offering Documents. I understand that the Corporate Notes that I am bidding for are securities and are not insured by the FDIC, are not deposits of any bank and may lose value. All securities are subject to investment risks, including possible loss of the principal invested. By participating in this auction, I declare that my investment objective(s), time horizon and risk tolerance allow for the purchase of the securities being offered. Furthermore, I authorize Zions Direct to update my investor profile, if needed, to align my profile with this purchase. I understand that Zions Direct is committed to conducting fair, open, and transparent auctions for the benefit of all participants. Zions Direct will not tolerate or conduct business with anyone who attempts to disrupt or manipulate the process for any auction. I agree that by participating in this auction I will not be engaging in any such attempt. I Agree I DO NOT Agree Zions Bancorporation has filed a registration statement (Registration Statement No. 333-173299, including a prospectus) with the SEC for the offering to which this communication relates. Before you invest, you should read the prospectus dated April 4, 2011 contained in that registration statement, the preliminary prospectus supplement dated October 28, 2013, and other documents Zions Bancorporation has filed with the SEC for more complete information about Zions Bancorporation and this offering. You may get these documents for free by visiting EDGAR on the SEC Web site at www.sec.gov. Alternatively, Zions Bancorporation, any underwriter or any dealer participating in this offering will arrange to send you a copy of these documents by calling Deutsche Bank Securities Inc. toll-free at 1-800-503-4611, Goldman, Sachs & Co. toll-free at 1-866-471-2526, Merrill Lynch, Pierce, Fenner & Smith Incorporated toll free at 1-800-294-1322, Macquarie Capital (USA) Inc. toll-free at 1-888-268-3937 or by visiting Zions Direct’s auction website at www.zionsdirect.com. *The current Market-Clearing Yield/Final Auction Yield is calculated as Yield to Worst (YTW) which is the lowest yield of yield to maturity, yield to call, yield to put, or other yields when a bond is callable, puttable, exchangeable, or has other features. If a bond is called, put or exchanged before maturity, the bondholder only earns interest on the time that has elapsed between purchasing the bond and its early redemption. The resulting yield is less than what would have been earned had the bond been held until maturity. NEWSLETTER Get market information, auction updates, new-issue alerts, and more. It’s weekly and it’s free! Email Address Investment Products: Not FDIC Insured No Bank Guarantee May Lose Value Bank Deposits and Certificates of Deposit (CDs) are FDIC Insured up to Applicable Limits Securities products and services offered by Zions Direct, Member FINRA / SIPC, a non-bank subsidiary of Zions Bank. Affiliates of Zions Bank or other issuers may purchase CDs or securities through the auction process. The market clearing yield may be lower due to the participation of an affiliate in the auction which may benefit the affiliated issuer. Zions Direct Amegybank of Texes California Bank The Commerce Bank The Commerce Bank of Washington National Bank Nevada State Bank Vectra Bank Zions Bank Our Affiliates: OTHER PRODUCTS CONTACT US ABOUT US SITE MAP PRIVACY POLICY TERMS AND CONDITIONS Please direct questions regarding the website or bidding procedures to the Auction Administrator. You may also call our Investment Center at 800-524-8875 from 8am to Midnight Eastern Time. Powered by Grant Strret Group Entrust Verify Zions https://www.auctions.zionsdirect.com/auction/11715/bidding_qualification 10/30/2013
Zions Direct Auctions - Bid Page Page 1 of 2 ABOUT PRODUCTS & SERVICES AUCTIONS BOND STORE TRADING UNIVERSITY THINK CUSTOMER SERVICE OPEN ACCOUNT LOGOUT 1.800.524.8875 AUCTIONS DIRECTORY ISSUERS AUCTIONS UNIVERSITY DEMOS MY ACCOUNT ZDREVIEW :: HOME :: HOME :: AUCTION #11715 Bid Page Zions Bancorporation / 10 Year Corporates Subordinated Notes | Fixed-to-Floating Rate | May be redeemed in whole or in part any time on or after November 15, 2018 | Kroll BBB- | S&P:BB+ | Fitch:BB+ | DBRS:BBH Please disregard the yield to maturity because the rate will float during the last 5 years. Auction Status: ACCEPTING BIDS Security Type: Corporate Bonds Auction Start: 10/30/2013 9:00 AM EDT Issue Type: Primary Auction End: 10/31/2013 3:00 PM EDT Coupon To be determined in auction Last Update: 10/30/2013 9:03:45 AM EDT Maturity Date: 11/15/2023 Offering Documents Auction Details ZDREVIEW Current Market-Clearing Yield*: 6.000% AUCTION Non- “In the Amount Competitive BIDS Units Yield YTC YTM Price Bid Submitted Money” Due 1 100.000000 Bid Row: + - Bid Limit: $ 5,000.00 Calculate/Refresh Submit Auction Activity Current Market-Clearing Yield*: 6.000% Potential Potential Bidder Units Yield Fixed Price Timestamp Award Amount Due #30297 6,100 -- 100.000000 10/30/2013 9:00:28 AM 6,100 units $ 6,100,000.00 #37508 250 -- 100.000000 10/30/2013 9:02:51 AM 250 units $ 250,000.00 #30297 500 6.000% 100.000000 10/30/2013 9:01:07 AM 500 units $ 500,000.00 Auction Totals: 6,850 units $ 6,850,000.00 Note: This page will check for updates every minute. Zions Bancorporation has filed a registration statement (Registration Statement No. 333-173299, including a prospectus) with the SEC for the offering to which this communication relates. Before you invest, you should read the prospectus dated April 4, 2011 contained in that registration statement, the preliminary prospectus supplement dated October 28, 2013, and other documents Zions Bancorporation has filed with the SEC for more complete information about Zions Bancorporation and this offering. You may get these documents for free by visiting EDGAR on the SEC Web site at www.sec.gov. Alternatively, Zions Bancorporation, any underwriter or any dealer participating in this offering will arrange to send you a copy of these documents by calling Deutsche Bank Securities Inc. toll-free at 1-800-503-4611, Goldman, Sachs & Co. toll-free at 1-866-471-2526, Merrill Lynch, Pierce, Fenner & Smith Incorporated toll free at 1-800-294-1322, Macquarie Capital (USA) Inc. toll-free at 1-888-268-3937 or by visiting Zions Direct’s auction website at www.zionsdirect.com. *The current Market-Clearing Yield/Final Auction Yield is calculated as Yield to Worst (YTW) which is the lowest yield of yield to maturity, yield to call, yield to put, or other yields when a bond is callable, puttable, exchangeable, or has other features. If a bond is called, put or exchanged before maturity, the bondholder only earns interest on the time that has elapsed between purchasing the bond and its early redemption. The resulting yield is less than what would have been earned had the bond been held until maturity. NEWSLETTER Get market information, auction updates, new-issue alerts, and more. It’s weekly and it’s free! Email Address Investment Products: Not FDIC Insured No Bank Guarantee May Lose Value Bank Deposits and Certificates of Deposit (CDs) are FDIC Insured up to Applicable Limits Securities products and services offered by Zions Direct, Member FINRA / SIPC, a non-bank subsidiary of Zions Bank. Affiliates of Zions Bank or other issuers may purchase CDs or securities through the auction process. The market clearing yield may be lower due to the participation of an affiliate in the auction which may benefit the affiliated issuer. Zions Direct Amegybank of Texes California Bank The Commerce Bank The Commerce Bank of Washington National Bank Nevada State Bank Vectra Bank Zions Bank Our Affiliates: https://www.auctions.zionsdirect.com/auction/11715/bid 10/30/2013
Zions Direct Auctions - Bid Page Page 2 of 2 OTHER PRODUCTS CONTACT US ABOUT US SITE MAP PRIVACY POLICY TERMS AND CONDITIONS Please direct questions regarding the website or bidding procedures to the Auction Administrator. You may also call our Investment Center at 800-524-8875 from 8am to Midnight Eastern Time. Powered by Grant Street Group Zions Direct https://www.auctions.zionsdirect.com/auction/11715/bid 10/30/2013
Zions Direct Auctions - Review & Confirm Bid Submission Page 1 of 1 ABOUT PRODUCTS & SERVICES AUCTIONS BOND STORE TRADING UNIVERSITY THINK CUSTOMER SERVICE OPEN ACCOUNT LOGOUT 1.800.524.8875 AUCTIONS DIRECTORY ISSUERS AUCTIONS UNIVERSITY DEMOS MY ACCOUNT ZDREVIEW :: HOME :: HOME :: AUCTION #11715 Review & Confirm Bid Submission Zions Bancorporation / 10 Year Corporates Subordinated Notes | Fixed-to-Floating Rate | May be redeemed in whole or in part any time on or after November 15, 2018 | Kroll BBB- | S&P:BB+ | Fitch:BB+ | DBRS:BBH Bidder Bid # Units @ Price Yield Max. Award Max. Amt. Due Status ZDREVIEW 1 1 @ 100.000000 6.000% 1 Units $ 1,000.00 NEW Bid Limit: $ 5,000.00 I understand that I could be responsible for up to $ 1,000.00 on my award. I confirm the bids shown in the table above. Cancel Confirm i Zions Bancorporation has filed a registration statement (Registration Statement No. 333-173299, including a prospectus) with the SEC for the offering to which this communication relates. Before you invest, you should read the prospectus dated April 4, 2011 contained in that registration statement, the preliminary prospectus supplement dated October 28, 2013, and other documents Zions Bancorporation has filed with the SEC for more complete information about Zions Bancorporation and this offering. You may get these documents for free by visiting EDGAR on the SEC Web site at www.sec.gov. Alternatively, Zions Bancorporation, any underwriter or any dealer participating in this offering will arrange to send you a copy of these documents by calling Deutsche Bank Securities Inc. toll-free at 1-800-503-4611, Goldman, Sachs & Co. toll-free at 1-866-471-2526, Merrill Lynch, Pierce, Fenner & Smith Incorporated toll free at 1-800-294-1322, Macquarie Capital (USA) Inc. toll-free at 1-888-268-3937 or by visiting Zions Direct’s auction website at www.zionsdirect.com. *The current Market-Clearing Yield/Final Auction Yield is calculated as Yield to Worst (YTW) which is the lowest yield of yield to maturity, yield to call, yield to put, or other yields when a bond is callable, puttable, exchangeable, or has other features. If a bond is called, put or exchanged before maturity, the bondholder only earns interest on the time that has elapsed between purchasing the bond and its early redemption. The resulting yield is less than what would have been earned had the bond been held until maturity. NEWSLETTER Get market information, auction updates, new-issue alerts, and more. It’s weekly and it’s free! Email Address Investment Products: Not FDIC Insured No Bank Guarantee May Lose Value Bank Deposits and Certificates of Deposit (CDs) are FDIC Insured up to Applicable Limits Securities products and services offered by Zions Direct, Member FINRA / SIPC, a non-bank subsidiary of Zions Bank. Affiliates of Zions Bank or other issuers may purchase CDs or securities through the auction process. The market clearing yield may be lower due to the participation of an affiliate in the auction which may benefit the affiliated issuer. Powered by Grant Street Group Secured Entrust Verify Zions Direct OTHER PRODUCTS CONTACT US ABOUT US SITE MAP PRIVACY POLICY TERMS AND CONDITIONS Please direct questions regarding the website or bidding procedures to the Auction Administrator. You may also call our Investment Center at 800-524-8875 from 8am to Midnight Eastern Time. https://www.auctions.zionsdirect.com/auction/11715/bid 10/30/2013