Free Writing Prospectus

Free Writing Prospectus

(To the Prospectus dated April 4, 2011, as supplemented by

the Prospectus Supplement dated March 18, 2013)

       

Filed Pursuant to Rule 433

Registration Statement No. 333-173299

March 21, 2013

 

LOGO

 

Free Writing Prospectus

(To the Prospectus dated April 4, 2011, as supplemented by

the Prospectus Supplement dated March 18, 2013)

Filed Pursuant to Rule 433

Registration Statement No. 333-173299

March 21, 2013

Page 1 of 2

Zions Direct Auctions - View Auction 3/21/13 11:36 AM

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 #8927

View Auction

Zions Bancorporation / 3 Year Corporates

Non-redeemable prior to May 16, 2014, then callable at par on interest payment dates thereafter. | BBB- (Fitch); BBB (low) (DBRS); BBB- (S&P); and BBB (Kroll)

Auction Status: ACCEPTING BIDS Security Type: Corporate Bonds Auction Start: 3/18/2013 11:30 AM EDT Issue Type: Primary Auction End: 3/26/2013 1:30 PM EDT Coupon To be determined in auction

Last Update: 3/21/2013 1:35:50 PM EDT Maturity Date: 5/16/2016

Offering Documents

Auction Details

ISSUE INFORMATION BIDDING INFORMATION

Call Feature: Callable Auction Phase: Sizing First Call Date: 5/16/2014 Current Principal Offered: $ 10,000,000.00 First Call Price: 100.000000 Current Units Offered: 10,000 Settlement Date: 3/28/2013 Number of Bidders: 35 First Interest Date: 11/16/2013 Number of Bids: 40 Int. Frequency: Semi-Annually Fixed Price: 100.000000 Day Basis: 30/360 Current Market-Clearing Yield: 2.750% CUSIP Number: 98970ECG2 Current Yield to Maturity: % Min. Principal Offered: $ 10,000,000.00 Current Yield to Call: %

Max. Principal Offered: $ 23,000,000.00 Before submitting bids in this auction you must

Resizing Period End: 3/26/2013 12:30 PM EDT

Denomination: $ 1,000.00 Register or Sign In.

Bid Multiple: Multiples of 0.05

Min. Yield: 2.000% Max. Yield: 2.750% 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 March 18, 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.

*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

https://www.auctions.zionsdirect.com/auction/8927/summary

LOGO

 

Zions Direct Auctions - View Auction 3/21/13 11:36 AM

which may benefit the affiliated issuer.

Our Affiliates:HER 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/8927/summary

Page 2 of 2

LOGO

 

Zions Direct Auctions - Bidding Qualification 3/21/13 11:37 AM

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 #8927

Bidding Qualification

Zions Bancorporation / 3 Year Corporates

Non-redeemable prior to May 16, 2014, then callable at par on interest payment dates thereafter. | BBB- (Fitch); BBB (low) (DBRS); BBB-

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 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 March 18, 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.

*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:

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/8927/bidding_qualification Page 1 of 2

LOGO

 

Zions Direct Auctions - Bidding Qualification 3/21/13 11:37 A

Mhttps://www.auctions.zionsdirect.com/auction/8927/bidding_qualification Page 2 of 2

LOGO

 

Zions Direct Auctions - Bid Page 3/21/13 11:37 AM

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 #8927

Bid Page

Zions Bancorporation / 3 Year Corporates

Non-redeemable prior to May 16, 2014, then callable at par on interest payment dates thereafter. | BBB- (Fitch); BBB (low) (DBRS); BBB- (S&P); and BBB (Kroll)

Auction Status: ACCEPTING BIDS Security Type: Corporate Bonds Auction Start: 3/18/2013 11:30 AM EDT Issue Type: Primary Auction End: 3/26/2013 1:30 PM EDT Coupon To be determined in auction

Last Update: 3/21/2013 1:37:26 PM EDT Maturity Date: 5/16/2016

Offering Documents

Auction Details

ZDTEST2 Current Market-Clearing Yield*: 2.750%

Non-

AUCTION Competitive “In the Amount BIDS Units Yield YTC YTM Price Bid Submitted Money” Due

1 100.000000

2 100.000000

3 100.000000

4 100.000000

5 100.000000

Bid Limit: $ 250,000.00 Calculate/Refresh Submit

Auction Activity Current Market-Clearing Yield*: 2.750%

Potential Potential Bidder Units Yield Fixed Price Timestamp Award Amount Due

#14040 10 -- 100.000000 3/18/2013 3:45:49 PM 10 units $ 10,000.00 #32953 229 -- 100.000000 3/19/2013 1:30:18 PM 229 units $ 229,000.00 #33157 21 -- 100.000000 3/19/2013 1:54:55 PM 21 units $ 21,000.00 #31456 10 -- 100.000000 3/20/2013 3:04:43 PM 10 units $ 10,000.00 #33160 20 -- 100.000000 3/20/2013 5:56:46 PM 20 units $ 20,000.00 #33161 250 -- 100.000000 3/20/2013 6:20:48 PM 250 units $ 250,000.00 #33162 53 -- 100.000000 3/20/2013 6:35:16 PM 53 units $ 53,000.00 #29176 25 -- 100.000000 3/21/2013 10:55:22 AM 25 units $ 25,000.00 #14416 25 -- 100.000000 3/21/2013 11:07:16 AM 25 units $ 25,000.00

https://www.auctions.zionsdirect.com/auction/8927/bid Page 1 of 3

LOGO

 

Zions Direct Auctions - Bid Page 3/21/13 11:37 AM

#32956 20 -- 100.000000 3/21/2013 11:11:52 AM 20 units $ 20,000.00 #30297 200 -- 100.000000 3/18/2013 1:39:42 PM 200 units $ 200,000.00 #6290 9 -- 100.000000 3/19/2013 5:52:08 PM 9 units $ 9,000.00 #13950 14 -- 100.000000 3/19/2013 5:54:58 PM 14 units $ 14,000.00 #32970 250 -- 100.000000 3/20/2013 12:57:13 PM 250 units $ 250,000.00 #32969 250 -- 100.000000 3/20/2013 1:00:24 PM 250 units $ 250,000.00 #32968 100 -- 100.000000 3/20/2013 1:05:23 PM 100 units $ 100,000.00 #32965 250 -- 100.000000 3/20/2013 4:59:08 PM 250 units $ 250,000.00 #32966 300 -- 100.000000 3/20/2013 5:03:13 PM 300 units $ 300,000.00 #32967 50 -- 100.000000 3/20/2013 5:05:29 PM 50 units $ 50,000.00 #32971 1,000 -- 100.000000 3/18/2013 4:55:46 PM 1,000 units $ 1,000,000.00 #30297 200 -- 100.000000 3/18/2013 1:39:42 PM 200 units $ 200,000.00 #32954 50 -- 100.000000 3/18/2013 6:46:10 PM 50 units $ 50,000.00 #23428 2 -- 100.000000 3/20/2013 1:37:05 PM 2 units $ 2,000.00 #32955 40 -- 100.000000 3/20/2013 12:49:49 PM 40 units $ 40,000.00 #30297 200 -- 100.000000 3/18/2013 1:39:42 PM 200 units $ 200,000.00 #33135 677 -- 100.000000 3/19/2013 4:31:13 PM 677 units $ 677,000.00 #22070 1 -- 100.000000 3/20/2013 2:49:03 PM 1 unit $ 1,000.00 #30297 200 -- 100.000000 3/18/2013 1:39:42 PM 200 units $ 200,000.00 #32952 100 -- 100.000000 3/18/2013 4:01:14 PM 100 units $ 100,000.00 #32909 25 -- 100.000000 3/18/2013 2:27:02 PM 25 units $ 25,000.00 #30297 200 -- 100.000000 3/18/2013 1:39:42 PM 200 units $ 200,000.00 #32021 500 2.750% 100.000000 3/18/2013 2:35:21 PM 500 units $ 500,000.00 #28214 500 2.750% 100.000000 3/18/2013 2:51:49 PM 500 units $ 500,000.00 #30353 1,000 2.750% 100.000000 3/18/2013 4:08:09 PM 1,000 units $ 1,000,000.00 #27035 25 2.750% 100.000000 3/18/2013 5:12:03 PM 25 units $ 25,000.00 #13571 25 2.750% 100.000000 3/18/2013 5:50:42 PM 25 units $ 25,000.00 #18373 10 2.750% 100.000000 3/19/2013 2:44:41 PM 10 units $ 10,000.00 #29981 2,000 2.750% 100.000000 3/19/2013 3:18:39 PM 2,000 units $ 2,000,000.00 #25080 50 2.750% 100.000000 3/19/2013 4:50:37 PM 50 units $ 50,000.00 #13571 20 2.750% 100.000000 3/21/2013 11:41:31 AM 20 units $ 20,000.00

Auction Totals: 8,911 units $ 8,911,000.00

Note: This page will check for updates every minute.

https://www.auctions.zionsdirect.com/auction/8927/bid Page 2 of 3

LOGO

 

Zions Direct Auctions - Bid Page 3/21/13 11:37 AM

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 March 18, 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.

*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:

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/8927/bid Page 3 of 3

LOGO

 

Zions Direct Auctions - Review & Confirm Bid Submission 3/21/13 11:37 AM

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 #8927

Review & Confirm Bid Submission

Zions Bancorporation / 3 Year Corporates

Non-redeemable prior to May 16, 2014, then callable at par on interest payment dates thereafter. | BBB- (Fitch); BBB (low) (DBRS); BBB- (S&P); and BBB (Kroll)

Bidder Bid # Units @ Price Yield Max. Award Max. Amt. Due Status

ZDTEST2 1 1 @ 100.000000 2.750% 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 March 18, 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.

*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:

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/8927/bid Page 1 of 1