Zions Bancorporation Investor Presentation — October 2021

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

Forward Looking Information

This presentation includes “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. Forward -looking statements include, among others:

▪ statements with respect to the Bank’s beliefs, plans, objectives, goals, targets, commitments, designs, guidelines, expectati ons, anticipations, and future financial condition,

results of operations and performance; and

▪ statements preceded by, followed by, or that include the words “may,” “might,” “can,” “continue,” “could,” “should,” “would,” “believe,” “anticipate,” “estimate,” “forecasts,”

“expect,” “intend,” “target,” “commit,” “design,” “plan,” “projects,” “will,” and the negative thereof and similar words.

Forward -looking statements are not guarantees of future performance, nor should they be relied upon as representing management’s views as of any subsequent date. Actual results and

outcomes may differ materially from those presented. Important risk factors that may cause such material differences include changes in general economic, regulatory, and industry

conditions; changes and uncertainties in fiscal, monetary, regulatory, trade and tax policies and legislative and 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 co mpo sition 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, technologies and contr olsdesigned to guard against fraud, cyber and privacy risks; and

the effects of the COVID -19 pandemic or other national or international crises or conflicts that may occur in the future and gov ernmental 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 Sec urities and Exchange Commission (SEC) and available at