| Free Writing Prospectus (To the Prospectus dated April 4, 2011, as supplemented by the Prospectus Supplement dated May 13, 2013) |
Filed Pursuant to Rule 433 Registration Statement No. 333-173299 May 15, 2013 |
Zions Direct Auctions - View Auction 5/15/13 12:11 PM 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 #9591 View Auction Zions Bancorporation / Preferred Stock Series I Fixed/Floating Rate Non-Cumulative Perpetual Preferred, Non-Callable 10 Years, S&P:BB | Fitch:B | DBRS:B(low) | Kroll:BB The public offering price of each share will be $1,000. Auction Status: ACCEPTING BIDS Security Type: Preferred Stock Auction Start: 5/15/2013 9:00 AM EDT Coupon To be determined in auction Auction End: 5/16/2013 4:00 PM EDT Last Update: 5/15/2013 2:11:11 PM EDT Offering Documents Auction Details ISSUE INFORMATION BIDDING INFORMATION CUSIP Number: 989701BD8 Auction Phase: Sizing Minimum Offering: 100,000 Current Principal Offered: $ 191,506,000.00 Maximum Offering: 250,000 Current Units Offered: 191,506 Sizing Phase End: 5/16/2013 11:00 AM EDT Number of Bidders: 62 Bid Multiple: Multiples of 0.05 Number of Bids: 94 Min. Yield: 5.450% Fixed Price: $ 1,000.00 Max. Yield: 5.950% Current Market-Clearing Yield: 5.950% Fixed Price: $ 1,000.00 Before submitting bids in this auction you must About the Issuer Register or Sign In. 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 May 13, 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 and other documents Zions Bancorporation has filed for free by visiting EDGAR on the SEC Web site at www.sec.gov. Alternatively, you may request 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, Keefe, Bruyette & Woods, Inc. toll free at 1-800-966-1559 or Macquarie Capital (USA) Inc. toll-free at 1-888-268-3967. 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: https://www.auctions.zionsdirect.com/auction/9591/summary Page 1 of 2
Zions Direct Auctions - View Auction 5/15/13 12:11 PM 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/9591/summary Page 2 of 2
Zions Direct Auctions - Bidding Qualification 5/15/13 12:10 PM 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 ZDTEST2 :: HOME :: HOME :: AUCTION #9591 Bidding Qualification Zions Bancorporation / Preferred Stock Series I Fixed/Floating Rate Non-Cumulative Perpetual Preferred, Non-Callable 10 Years, S&P:BB | Fitch:B | DBRS:B(low) | Kroll:BB 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: zions test account E-MAIL: auctions@zionsdirect.com TELEPHONE: 800-524-8875 I have accessed or received the Offering Documents. I understand that the depositary shares and underlying shares of this series Preferred Stock available through Zions Direct Auctions are securities and are not insured by the FDIC, are not deposits of any bank or the issuer and may lose value. All securities are subject to investment risk, including possible loss of your investment. 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, while application will be made to list the depositary shares on the New York Stock Exchange, no assurance can be given that the depositary shares will be approved for listing. If the depositary shares are approved for listing, I understand that trading is expected to commence within 30 days of the intial delivery date of the depositary shares. 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 May 13, 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 and other documents Zions Bancorporation has filed for free by visiting EDGAR on the SEC Web site at www.sec.gov. Alternatively, you may request 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, Keefe, Bruyette & Woods, Inc. toll free at 1-800-966-1559 or Macquarie Capital (USA) Inc. toll-free at 1-888-268-3967. 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: 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/9591/bidding_qualification Page 1 of 2
Zions Direct Auctions - Bidding Qualification 5/15/13 12:10 PM https://www.auctions.zionsdirect.com/auction/9591/bidding_qualification Page 2 of 2
Zions Direct Auctions - Bid Page 5/15/13 12:10 PM 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 ZDTEST2 :: HOME :: HOME :: AUCTION #9591 Bid Page Zions Bancorporation / Preferred Stock Series I Fixed/Floating Rate Non-Cumulative Perpetual Preferred, Non-Callable 10 Years, S&P:BB | Fitch:B | DBRS:B(low) | Kroll:BB The public offering price of each share will be $1,000. Auction Status: ACCEPTING BIDS Security Type: Preferred Stock Auction Start: 5/15/2013 9:00 AM EDT Coupon To be determined in auction Auction End: 5/16/2013 4:00 PM EDT Last Update: 5/15/2013 2:10:38 PM EDT Offering Documents Auction Details ISSUE INFORMATION BIDDING INFORMATION CUSIP Number: 989701BD8 Auction Phase: Sizing Minimum Offering: 100,000 Current Principal Offered: $ 191,506,000.00 Maximum Offering: 250,000 Current Units Offered: 191,506 Sizing Phase End: 5/16/2013 11:00 AM EDT Number of Bidders: 62 Bid Multiple: Multiples of 0.05 Number of Bids: 94 Min. Yield: 5.450% Fixed Price: $ 1,000.00 Max. Yield: 5.950% Current Market-Clearing Yield: 5.950% Fixed Price: $ 1,000.00 About the Issuer ZDTEST2 Current Market-Clearing Yield: 5.950% Non-Competitive Submitted “In the Money” Amount Due AUCTION BIDS Units Yield Price Bid 1 $ 1,000.00 2 $ 1,000.00 3 $ 1,000.00 4 $ 1,000.00 5 $ 1,000.00 Bid Limit: $ 250,000.00 Calculate/Refresh Submit Auction Activity Current Market-Clearing Yield: 5.950% Potential Potential Bidder Units Yield Fixed Price Timestamp Award Amount Due #34591 250 -- $ 1,000.00 5/15/2013 9:00:43 AM 250 units $ 250,000.00 #34593 558 -- $ 1,000.00 5/15/2013 9:01:16 AM 558 units $ 558,000.00 https://www.auctions.zionsdirect.com/auction/9591/bid Page 1 of 4
Zions Direct Auctions - Bid Page 5/15/13 12:10 PM #28519 10 -- $ 1,000.00 5/15/2013 9:02:30 AM 10 units $ 10,000.00 #31345 2,500 -- $ 1,000.00 5/15/2013 9:02:34 AM 2,500 units $ 2,500,000.00 #34592 283 -- $ 1,000.00 5/15/2013 9:02:38 AM 283 units $ 283,000.00 #27844 1,000 -- $ 1,000.00 5/15/2013 9:03:23 AM 1,000 units $ 1,000,000.00 #30762 4,000 -- $ 1,000.00 5/15/2013 9:08:42 AM 4,000 units $ 4,000,000.00 #13718 4 -- $ 1,000.00 5/15/2013 9:24:59 AM 4 units $ 4,000.00 #34498 1,350 -- $ 1,000.00 5/15/2013 9:37:13 AM 1,350 units $ 1,350,000.00 #30376 30,000 -- $ 1,000.00 5/15/2013 9:40:43 AM 30,000 units $ 30,000,000.00 #32909 20 -- $ 1,000.00 5/15/2013 9:41:52 AM 20 units $ 20,000.00 #33812 9,531 -- $ 1,000.00 5/15/2013 9:57:09 AM 9,531 units $ 9,531,000.00 #33699 25 -- $ 1,000.00 5/15/2013 10:10:17 AM 25 units $ 25,000.00 #22212 5 -- $ 1,000.00 5/15/2013 10:20:56 AM 5 units $ 5,000.00 #22333 10 -- $ 1,000.00 5/15/2013 10:23:56 AM 10 units $ 10,000.00 #34498 50 -- $ 1,000.00 5/15/2013 10:36:48 AM 50 units $ 50,000.00 #34497 100 -- $ 1,000.00 5/15/2013 10:43:56 AM 100 units $ 100,000.00 #34497 100 -- $ 1,000.00 5/15/2013 10:43:56 AM 100 units $ 100,000.00 #34497 100 -- $ 1,000.00 5/15/2013 10:43:56 AM 100 units $ 100,000.00 #34497 100 -- $ 1,000.00 5/15/2013 10:43:56 AM 100 units $ 100,000.00 #34497 100 -- $ 1,000.00 5/15/2013 10:43:56 AM 100 units $ 100,000.00 #11607 5 -- $ 1,000.00 5/15/2013 10:47:35 AM 5 units $ 5,000.00 #34506 500 -- $ 1,000.00 5/15/2013 10:52:59 AM 500 units $ 500,000.00 #34506 250 -- $ 1,000.00 5/15/2013 10:52:59 AM 250 units $ 250,000.00 #34506 250 -- $ 1,000.00 5/15/2013 10:52:59 AM 250 units $ 250,000.00 #34515 100 -- $ 1,000.00 5/15/2013 11:06:00 AM 100 units $ 100,000.00 #13278 100 -- $ 1,000.00 5/15/2013 11:06:31 AM 100 units $ 100,000.00 #30762 2,000 -- $ 1,000.00 5/15/2013 11:16:49 AM 2,000 units $ 2,000,000.00 #34507 250 -- $ 1,000.00 5/15/2013 11:19:39 AM 250 units $ 250,000.00 #34515 950 -- $ 1,000.00 5/15/2013 11:40:39 AM 950 units $ 950,000.00 #33748 25 -- $ 1,000.00 5/15/2013 11:41:08 AM 25 units $ 25,000.00 #22941 30 -- $ 1,000.00 5/15/2013 11:45:28 AM 30 units $ 30,000.00 #33700 50 -- $ 1,000.00 5/15/2013 12:15:42 PM 50 units $ 50,000.00 #33664 5 -- $ 1,000.00 5/15/2013 12:28:50 PM 5 units $ 5,000.00 #33749 50 -- $ 1,000.00 5/15/2013 12:40:20 PM 50 units $ 50,000.00 https://www.auctions.zionsdirect.com/auction/9591/bid Page 2 of 4
Zions Direct Auctions - Bid Page 5/15/13 12:10 PM #30763 50 -- $ 1,000.00 5/15/2013 12:48:38 PM 50 units $ 50,000.00 #33701 200 -- $ 1,000.00 5/15/2013 12:48:43 PM 200 units $ 200,000.00 #33812 3,538 -- $ 1,000.00 5/15/2013 1:10:49 PM 3,538 units $ 3,538,000.00 #33750 23 -- $ 1,000.00 5/15/2013 1:13:47 PM 23 units $ 23,000.00 #33751 7 -- $ 1,000.00 5/15/2013 1:15:41 PM 7 units $ 7,000.00 #33752 50 -- $ 1,000.00 5/15/2013 2:02:34 PM 50 units $ 50,000.00 #33793 5,000 -- $ 1,000.00 5/15/2013 9:22:15 AM 5,000 units $ 5,000,000.00 #6290 2 -- $ 1,000.00 5/15/2013 10:51:12 AM 2 units $ 2,000.00 #13950 2 -- $ 1,000.00 5/15/2013 10:54:47 AM 2 units $ 2,000.00 #9610 5 -- $ 1,000.00 5/15/2013 11:18:00 AM 5 units $ 5,000.00 #22124 11 -- $ 1,000.00 5/15/2013 9:51:00 AM 11 units $ 11,000.00 #21162 20 -- $ 1,000.00 5/15/2013 12:08:31 PM 20 units $ 20,000.00 #34498 1,000 -- $ 1,000.00 5/15/2013 9:37:13 AM 1,000 units $ 1,000,000.00 #34498 2,000 -- $ 1,000.00 5/15/2013 11:02:15 AM 2,000 units $ 2,000,000.00 #30758 1,000 -- $ 1,000.00 5/15/2013 11:13:05 AM 1,000 units $ 1,000,000.00 Auction Totals: 191,506 units $ 191,506,000.00 Page 1 of 2 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 May 13, 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 and other documents Zions Bancorporation has filed for free by visiting EDGAR on the SEC Web site at www.sec.gov. Alternatively, you may request 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, Keefe, Bruyette & Woods, Inc. toll free at 1-800-966-1559 or Macquarie Capital (USA) Inc. toll-free at 1-888-268-3967. 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: 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/9591/bid Page 3 of 4
Zions Direct Auctions - Bid Page 5/15/13 12:10 PM You may also call our Investment Center at 800-524-8875 from 8am to Midnight Eastern Time. https://www.auctions.zionsdirect.com/auction/9591/bid Page 4 of 4
Zions Direct Auctions - Review & Confirm Bid Submission 5/15/13 12:11 PM 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 ZDTEST2 :: HOME :: HOME :: AUCTION #9591 Review & Confirm Bid Submission Zions Bancorporation / Preferred Stock Series I Fixed/Floating Rate Non-Cumulative Perpetual Preferred, Non-Callable 10 Years, S&P:BB | Fitch:B | DBRS:B(low) | Kroll:BB Bidder Bid # Units @ Price Yield Max. Award Max. Amt. Due Status ZDTEST2 1 1 @ $ 1,000.00 5.450% 1 Units $ 1,000.00 NEW Bid Limit: $ 250,000.00 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 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 May 13, 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 and other documents Zions Bancorporation has filed for free by visiting EDGAR on the SEC Web site at www.sec.gov. Alternatively, you may request 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, Keefe, Bruyette & Woods, Inc. toll free at 1-800-966-1559 or Macquarie Capital (USA) Inc. toll-free at 1-888-268-3967. 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: 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/9591/bid Page 1 of 1