Zions Bancorporation Investor Presentation — April 2021

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Financial Review2Forward -Looking Statements; Use of Non -GAAP Financial Measures

Forward Looking Information

These materials include “forward -looking statements” as that term is defined in the Private Securities Litigation Reform Act of 1995. These statements are based on management’s current

expectations and assumptions regarding future events or determinations, all of which are subject to known and unknown risks, uncertainties and other factors that may cause our actual

results, performance or achievements, market trends, industry results or regulatory outcomes to differ materially from those expressed or implied by such forward -looking statements.

Without limiting the foregoing, the words “forecasts,” “targets,” “anticipates,” “believes,” “can,” “continue,” “could,” “est imates,” “expects,” “intends,” “may,” “might,” “plans,” “projects,”

“should,” “would,” “will” and the negative thereof and similar words and expressions are intended to identify forward -looking st atements. Forward -looking statements by their nature

address matters that are, to different degrees, uncertain, such as statements about future financial and operating results. A ctual results and outcomes may differ materially from those

presented, either expressed or implied, in the presentation. Important risk factors that may cause such material differences areoften related to changes in general economic, regulatory,

and industry conditions; changes and uncertainties in fiscal, monetary, regulatory, trade and tax policies and legislative an d regulatory changes; changes in interest rates and uncertainty

regarding the transition away from the London Interbank Offered Rate ("LIBOR") toward other alternative reference rates; the quality and composition of our loan and securities portfolios;

competitive pressures and other factors that may affect aspects of our business, such as pricing and demand for our products and services; our ability to execute our strategic plans, manage

our risks, and achieve our business objectives; our ability to develop and maintain information security systems, technologie s and controls designed to guard against fraud, cyber and privacy

risks; and the effects of the COVID -19 pandemic and similar outbreaks that may occur in the future and governmental responses to such matters. These factors, among others, are discussed

in the Bank’s most recent Annual Report on Form 10 -K and Quarterly Report on Form 10 -Q, filed with the Securities and Exchange C ommission (SEC) and available at the SEC’s Internet site

(https://www.sec.gov/). In addition, you may obtain documents filed with the SEC by the Bank free of charge by contacting: In vestor Relations, Zions Bancorporation, N.A., One South Main