FWP

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

May 17, 2013

 

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Z000099 :: HOME :: HOME :: MANAGE AUCTIONS :: AUCTION #9645 Manage Auctions Create Auction Dashboard Markdown Help Auction #9645 View Auction View Parameters View Report View Participants View Audit Log Modify Auction Approve Auction End Resizing Phase Manage Documents View Calculator View Auction Auction Status: NOT DISPLAYED Auction Start: 5/17/2013 11:30 AM EDT Auction End: 5/23/2013 12:00 PM EDT Last Update: 5/16/2013 2:38:59 PM EDT Security Type: Corporate Bonds Issue Type: Primary Coupon To be determined in auction Maturity Date: 5/30/2018 Offering Documents ISSUE INFORMATION Call Feature: Callable First Call Date: 5/30/2015 First Call Price: 100.000000 Settlement Date: 5/30/2013 First Interest Date: 11/30/2013 Int. Frequency: Semi-Annually Day Basis: 30/360 CUSIP Number: 98970EBY4 Minimum Offering: $ 5,000,000.00 Maximum Offering: $ 50,000,000.00 Sizing Phase End: 5/22/2013 12:00 PM EDT Denomination: $ 1,000.00 Bid Multiple: Multiples of 0.05 Min. Yield: 2.500% Max. Yield: 3.350% Fixed Price: 100.000000 BIDDING INFORMATION Auction Phase: Sizing Current Principal Offered: $ 5,000,000.00 Current Units Offered: 5,000 Number of Bidders: 0 Number of Bids: 0 Fixed Price: 100.000000 Current Market-Clearing Yield: 3.350% Current Yield to Maturity: 3.350% Current Yield to Call: 3.350% Non-redeemable prior to May 30, 2015, then callable at par on interest payment dates thereafter. | BBB- (Fitch); BBB (low) (DBRS); BBB- (S&P); and BBB (Kroll) Auction Details Bids Current Market-Clearing Yield: 3.350% Bidder Name Acct. # Units Yield Fixed Price Timestamp Awarded Amount Due No bids have been submitted. Direct Orders # Name Act. # Units Yield Timestamp Awarded Due No Direct Orders have been submitted. Zions Bancorporation / 5 Year Corporates Note: This page will check for updates every 15 seconds. 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. Our Affiliates: 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. NEWSLETTER Get market information, auction updates, new-issue alerts, and more. It’s weekly and it’s free! Email Address AUCTIONS DIRECTORY MANAGE AUCTIONS MANAGE USERS MANAGE SITE MY ACCOUNT ABOUT PRODUCTS & SERVICES AUCTIONS BOND STORE TRADING UNIVERSITY THINK CUSTOMER SERVICE OPEN ACCOUNT LOGOUT 1.800.524.8875 1 of 2 5/16/2013 1:08 PM

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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.

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:: HOME :: HOME :: AUCTION #9645

*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.

Bid Page

Auction Status: ACCEPTING BIDS

Auction Start: 5/17/2013 11:30 AM EDT

Auction End: 5/23/2013 12:00 PM EDT

Last Update: 5/17/2013 2:06:08 PM EDT

Security Type: Corporate Bonds

Issue Type: Primary

Coupon To be determined in auction

Maturity Date: 5/30/2018

Offering

Documents

Bid Limit: $ 5,000.00 Calculate/Refresh Submit

Non-redeemable prior to May 30, 2015, then callable at par on interest payment dates thereafter. | BBB- (Fitch); BBB (low) (DBRS); BBB- (S&P); and BBB

(Kroll)

ZDREVIEW Current Market-Clearing Yield*: 3.350%

AUCTION

BIDS Units Yield YTC YTM Price

Non-Competitive

Bid Submitted

“In the

Money”

Amount

Due

1

 

3.350% 3.350% 100.000000

2

 

100.000000

3

 

100.000000

4

 

100.000000

5

 

100.000000

Auction Activity Current Market-Clearing Yield*: 3.350%

Bidder Units Yield Fixed Price Timestamp

Potential

Award

Potential

Amount Due

#28214 500 — 100.000000 5/17/2013 1:16:26 PM 500 units $ 500,000.00

#24099 10 — 100.000000 5/17/2013 1:06:29 PM 10 units $ 10,000.00

#31345 500 — 100.000000 5/17/2013 1:13:17 PM 500 units $ 500,000.00

Auction Totals: 1,010 units $ 1,010,000.00

Zions Bancorporation / 5 Year Corporates

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.

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.

NEWSLETTER Get market information, auction updates, new-issue alerts, and more. It’s weekly and it’s

free!

Email Address

AUCTIONS DIRECTORY ISSUERS AUCTIONS UNIVERSITY DEMOS MY ACCOUNT

ABOUT PRODUCTS & SERVICES AUCTIONS BOND STORE TRADING UNIVERSITY THINK CUSTOMER SERVICE

OPEN ACCOUNT LOGOUT

1.800.524.8875

1

 

of 2 5/17/2013 12:07 PM

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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.

2

 

of 2 5/17/2013 12:07 PM

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:: HOME :: HOME :: AUCTION #9645

*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.

Bidding Qualification

Non-redeemable prior to May 30, 2015, 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: 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 AgreI Agreee I DO NOT Agree

Zions Bancorporation / 5 Year Corporates

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.

Our Affiliates:

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.

NEWSLETTER Get market information, auction updates, new-issue alerts, and more. It’s weekly and it’s free! Email Address

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.

AUCTIONS DIRECTORY ISSUERS AUCTIONS UNIVERSITY DEMOS MY ACCOUNT

ABOUT PRODUCTS & SERVICES AUCTIONS BOND STORE TRADING UNIVERSITY THINK CUSTOMER SERVICE

OPEN ACCOUNT LOGOUT

1.800.524.8875

https://www.auctions.zionsdirect.com/auction/9645/bidding_qualification 5/17/2013

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:: HOME :: HOME :: AUCTION #9645

*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.

Review & Confirm Bid Submission

Bid Limit: $ 5,000.00

I confirm the bids shown in the table above.

Cancel ConfirConfirm

Non-redeemable prior to May 30, 2015, 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

ZDREVIEW 1 1 @ 100.000000 3.350% 1 Units $ 1,000.00 NEW

I understand that I could be responsible for up to $ 1,000.00 on my award.

Zions Bancorporation / 5 Year Corporates

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.

Our Affiliates:

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.

NEWSLETTER Get market information, auction updates, new-issue alerts, and more. It’s weekly and it’s free! Email Address

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.

AUCTIONS DIRECTORY ISSUERS AUCTIONS UNIVERSITY DEMOS MY ACCOUNT

ABOUT PRODUCTS & SERVICES AUCTIONS BOND STORE TRADING UNIVERSITY THINK CUSTOMER SERVICE

OPEN ACCOUNT LOGOUT

1.800.524.8875

https://www.auctions.zionsdirect.com/auction/9645/bid 5/17/2013