| Free Writing Prospectus |
Filed Pursuant to Rule 433 | |
| (To the Prospectus dated April 4, 2011, as supplemented by |
Registration Statement No. 333-173299 | |
| the Prospectus Supplement dated June 18, 2012) |
November 28, 2012 |
Zions Direct Auctions - Results 11/28/12 11:32 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 :: AUCTION #7622 Results Zions Bancorporation Senior Note / 3 Year Corporates Non-redeemable prior to November 16, 2013, then callable at par on interest payment dates thereafter. | BBB- (S&P); BBB- (Fitch); and BBB(low) (DBRS). Auction Status: CLOSED Security Type: Corporate Bonds Auction Start: 11/16/2012 1:30 PM EST Issue Type: Primary Auction End: 11/28/2012 1:30 PM EST Coupon 2.550% Last Update: 11/28/2012 1:31:48 PM EST Maturity Date: 11/16/2015 Offering Documents ISSUE INFORMATION BIDDING INFORMATION Auction Details Call Feature: Callable Number of Bidders: 67 First Call Date: 11/16/2013 Number of Bids: 72 First Call Price: 100.000000 Amt. of Bids: $ 13,006,000.00 Settlement Date: 12/3/2012 Coverage: 65.03% First Interest Date: 5/16/2013 Highest Bid: 100.752056 Int. Accrual Date: 11/14/2012 Lowest Bid: 99.500000 Int. Frequency: Semi-Annually Bid Spread: 1.252056 Day Basis: 30/360 Num. Bids Accepted: 72 CUSIP Number: 98970EBU2 Num. Bidders with Bids Accepted: 67 Principal Offered: $ 20,000,000.00 Highest Bid Accepted: 100.752056 Units Offered: 20000 Lowest Bid Accepted: 99.500000 Denomination: $ 1,000.00 Min. Price: 99.500000 Max. Price: 101.500000 Min. Yield: 0.964% Max. Yield: 2.727% Bids Final Market-Clearing Yield*: 2.727% Final Market-Clearing Price: 99.500000 Accrued Amount Bidder Units Price Yield Timestamp Awarded Principal Interest Due #21441 5 100.752056 1.750% 11/26/2012 12:46:19 AM 5 units $ 4,975.00 $ 6.73 $ 4,981.73 #2284 27 100.704746 1.800% 11/19/2012 3:24:49 PM 27 units $ 26,865.00 $ 36.34 $ 26,901.34 #28439 10 100.515844 2.000% 11/20/2012 5:21:03 PM 10 units $ 9,950.00 $ 13.46 $ 9,963.46 #8671 15 100.280477 2.250% 11/21/2012 3:48:21 PM 15 units $ 14,925.00 $ 20.19 $ 14,945.19 #32361 60 100.280477 2.250% 11/27/2012 6:52:51 PM 60 units $ 59,700.00 $ 80.75 $ 59,780.75 #25483 9 100.255108 2.277% 11/28/2012 1:01:08 PM 9 units $ 8,955.00 $ 12.11 $ 8,967.11 #32358 40 100.093728 2.449% 11/27/2012 6:42:11 PM 40 units $ 39,800.00 $ 53.83 $ 39,853.83 #32109 200 100.092791 2.450% 11/26/2012 3:31:21 PM 200 units $ 199,000.00 $ 269.17 $ 199,269.17 #32110 100 100.092791 2.450% 11/26/2012 3:41:27 PM 100 units $ 99,500.00 $ 134.58 $ 99,634.58 https://www.auctions.zionsdirect.com/auction/7622/results Page 1 of 3
Zions Direct Auctions - Results 11/28/12 11:32 AM #32107 500 100.092791 2.450% 11/26/2012 5:05:48 PM 500 units $ 497,500.00 $ 672.92 $ 498,172.92 #32108 250 100.092791 2.450% 11/26/2012 5:09:26 PM 250 units $ 248,750.00 $ 336.46 $ 249,086.46 #32106 700 100.092791 2.450% 11/26/2012 5:24:23 PM 700 units $ 696,500.00 $ 942.08 $ 697,442.08 #32028 100 100.092791 2.450% 11/28/2012 11:31:31 AM 100 units $ 99,500.00 $ 134.58 $ 99,634.58 #27100 5 100.055318 2.490% 11/17/2012 10:26:47 AM 5 units $ 4,975.00 $ 6.73 $ 4,981.73 #32353 10 100.046889 2.499% 11/27/2012 5:02:14 PM 10 units $ 9,950.00 $ 13.46 $ 9,963.46 #32355 10 100.046889 2.499% 11/27/2012 6:40:11 PM 10 units $ 9,950.00 $ 13.46 $ 9,963.46 #32356 10 100.046889 2.499% 11/27/2012 6:40:44 PM 10 units $ 9,950.00 $ 13.46 $ 9,963.46 #32357 4 100.046889 2.499% 11/27/2012 6:41:20 PM 4 units $ 3,980.00 $ 5.38 $ 3,985.38 #32359 25 100.046889 2.499% 11/27/2012 6:42:54 PM 25 units $ 24,875.00 $ 33.65 $ 24,908.65 #32360 25 100.046889 2.499% 11/27/2012 6:43:38 PM 25 units $ 24,875.00 $ 33.65 $ 24,908.65 #29224 1 100.045953 2.500% 11/19/2012 10:19:11 AM 1 unit $ 995.00 $ 1.35 $ 996.35 #32308 70 100.045953 2.500% 11/19/2012 2:14:46 PM 70 units $ 69,650.00 $ 94.21 $ 69,744.21 #32309 100 100.045953 2.500% 11/19/2012 2:15:34 PM 100 units $ 99,500.00 $ 134.58 $ 99,634.58 #32310 50 100.045953 2.500% 11/19/2012 2:16:07 PM 50 units $ 49,750.00 $ 67.29 $ 49,817.29 #32311 4 100.045953 2.500% 11/19/2012 2:16:47 PM 4 units $ 3,980.00 $ 5.38 $ 3,985.38 #32312 4 100.045953 2.500% 11/19/2012 2:17:33 PM 4 units $ 3,980.00 $ 5.38 $ 3,985.38 #32313 41 100.045953 2.500% 11/19/2012 2:18:20 PM 41 units $ 40,795.00 $ 55.18 $ 40,850.18 #32314 20 100.045953 2.500% 11/19/2012 2:18:57 PM 20 units $ 19,900.00 $ 26.92 $ 19,926.92 #32315 2 100.045953 2.500% 11/19/2012 2:19:36 PM 2 units $ 1,990.00 $ 2.69 $ 1,992.69 #32316 13 100.045953 2.500% 11/19/2012 2:20:20 PM 13 units $ 12,935.00 $ 17.50 $ 12,952.50 #32317 7 100.045953 2.500% 11/19/2012 2:20:56 PM 7 units $ 6,965.00 $ 9.42 $ 6,974.42 #32318 7 100.045953 2.500% 11/19/2012 2:21:26 PM 7 units $ 6,965.00 $ 9.42 $ 6,974.42 #32319 21 100.045953 2.500% 11/19/2012 7:58:49 PM 21 units $ 20,895.00 $ 28.26 $ 20,923.26 #32320 5 100.045953 2.500% 11/19/2012 7:59:47 PM 5 units $ 4,975.00 $ 6.73 $ 4,981.73 #32321 5 100.045953 2.500% 11/19/2012 8:00:49 PM 5 units $ 4,975.00 $ 6.73 $ 4,981.73 #32035 50 100.045953 2.500% 11/20/2012 1:56:10 PM 50 units $ 49,750.00 $ 67.29 $ 49,817.29 #32333 10 100.045953 2.500% 11/21/2012 4:28:40 PM 10 units $ 9,950.00 $ 13.46 $ 9,963.46 #32334 5 100.045953 2.500% 11/21/2012 4:29:22 PM 5 units $ 4,975.00 $ 6.73 $ 4,981.73 #32335 10 100.045953 2.500% 11/21/2012 4:29:58 PM 10 units $ 9,950.00 $ 13.46 $ 9,963.46 #26699 10 100.045953 2.500% 11/23/2012 1:28:05 PM 10 units $ 9,950.00 $ 13.46 $ 9,963.46 #32351 50 100.045953 2.500% 11/27/2012 2:45:37 PM 50 units $ 49,750.00 $ 67.29 $ 49,817.29 #13196 2,000 100.000000 2.549% 11/20/2012 2:15:49 PM 2,000 units $ 1,990,000.00 $ 2,691.67 $ 1,992,691.67 https://www.auctions.zionsdirect.com/auction/7622/results Page 2 of 3
Zions Direct Auctions - Results 11/28/12 11:32 AM #32331 300 100.000000 2.549% 11/23/2012 10:40:26 AM 300 units $ 298,500.00 $ 403.75 $ 298,903.75 #29784 250 100.000000 2.549% 11/26/2012 11:21:45 AM 250 units $ 248,750.00 $ 336.46 $ 249,086.46 #30297 500 100.000000 2.549% 11/27/2012 10:23:17 AM 500 units $ 497,500.00 $ 672.92 $ 498,172.92 #32363 2 100.000000 2.549% 11/28/2012 11:38:53 AM 2 units $ 1,990.00 $ 2.69 $ 1,992.69 #32036 100 100.000000 2.549% 11/28/2012 12:47:07 PM 100 units $ 99,500.00 $ 134.58 $ 99,634.58 #20935 5 99.999149 2.550% 11/26/2012 1:15:43 AM 5 units $ 4,975.00 $ 6.73 $ 4,981.73 #32112 200 99.999149 2.550% 11/28/2012 12:54:54 PM 200 units $ 199,000.00 $ 269.17 $ 199,269.17 #32113 100 99.999149 2.550% 11/28/2012 1:21:17 PM 100 units $ 99,500.00 $ 134.58 $ 99,634.58 Auction Totals: 13,006 units $ 12,940,970.00 $ 17,503.99 $ 12,958,473.99 Page 1 of 2 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 June 18, 2012 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. 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. Page 3 of 3
Zions Direct Auctions - Results 11/28/12 11:32 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 :: AUCTION #7622 Results Zions Bancorporation Senior Note / 3 Year Corporates Non-redeemable prior to November 16, 2013, then callable at par on interest payment dates thereafter. | BBB- (S&P); BBB- (Fitch); and BBB(low) (DBRS). Auction Status: CLOSED Security Type: Corporate Bonds Auction Start: 11/16/2012 1:30 PM EST Issue Type: Primary Auction End: 11/28/2012 1:30 PM EST Coupon 2.550% Last Update: 11/28/2012 1:32:05 PM EST Maturity Date: 11/16/2015 Auction Details Bids Final Market-Clearing Yield*: 2.727% Final Market-Clearing Price: 99.500000 Accrued Amount Bidder Units Price Yield Timestamp Awarded Principal Interest Due #26452 13 99.985013 2.555% 11/20/2012 6:11:51 PM 13 units $ 12,935.00 $ 17.50 $ 12,952.50 #30297 500 99.875000 2.594% 11/27/2012 10:23:17 AM 500 units $ 497,500.00 $ 672.92 $ 498,172.92 #32111 246 99.857900 2.600% 11/28/2012 12:38:33 PM 246 units $ 244,770.00 $ 331.08 $ 245,101.08 #28214 500 99.770000 2.631% 11/28/2012 9:20:48 AM 500 units $ 497,500.00 $ 672.92 $ 498,172.92 #30297 500 99.750000 2.638% 11/27/2012 10:23:17 AM 500 units $ 497,500.00 $ 672.92 $ 498,172.92 #29772 500 99.750000 2.638% 11/28/2012 10:09:03 AM 500 units $ 497,500.00 $ 672.92 $ 498,172.92 #32189 2,000 99.716889 2.650% 11/28/2012 1:20:33 PM 2,000 units $ 1,990,000.00 $ 2,691.67 $ 1,992,691.67 #21906 25 99.700000 2.656% 11/24/2012 7:51:58 AM 25 units $ 24,875.00 $ 33.65 $ 24,908.65 #19072 20 99.700000 2.656% 11/26/2012 11:42:23 AM 20 units $ 19,900.00 $ 26.92 $ 19,926.92 #17916 1,500 99.625000 2.683% 11/28/2012 10:42:41 AM 1,500 units $ 1,492,500.00 $ 2,018.75 $ 1,494,518.75 #19253 30 99.600000 2.692% 11/24/2012 7:11:46 PM 30 units $ 29,850.00 $ 40.38 $ 29,890.38 #21441 15 99.576115 2.700% 11/26/2012 12:47:24 AM 15 units $ 14,925.00 $ 20.19 $ 14,945.19 #14033 5 99.547989 2.710% 11/28/2012 12:54:58 PM 5 units $ 4,975.00 $ 6.73 $ 4,981.73 #21477 30 99.519872 2.720% 11/28/2012 12:18:21 PM 30 units $ 29,850.00 $ 40.38 $ 29,890.38 #21217 1 99.516100 2.721% 11/28/2012 9:05:31 AM 1 unit $ 995.00 $ 1.35 $ 996.35 #28825 18 99.500196 2.727% 11/24/2012 5:04:25 PM 18 units $ 17,910.00 $ 24.23 $ 17,934.23 #29898 25 99.500196 2.727% 11/26/2012 4:49:29 PM 25 units $ 24,875.00 $ 33.65 $ 24,908.65 #21477 10 99.500196 2.727% 11/28/2012 1:21:21 PM 10 units $ 9,950.00 $ 13.46 $ 9,963.46 #23424 11 99.500196 2.727% 11/28/2012 1:29:29 PM 11 units $ 10,945.00 $ 14.80 $ 10,959.80 #30297 500 99.500000 2.727% 11/27/2012 10:23:17 AM 500 units $ 497,500.00 $ 672.92 $ 498,172.92 https:/www.auctions.zionsdirect.comauction7622/results?csrf_toke…86a7c8b4466156a81fde0&sort=price&sort_
direction=desc&page=2&pages=2 Page 1 of 2
Zions Direct Auctions - Results 11/28/12 11:32 AM #30297 500 99.500000 2.727% 11/27/2012 10:23:17 AM 500 units $ 497,500.00 $ 672.92 $ 498,172.92 #27514 500 99.500000 2.727% 11/28/2012 9:47:45 AM 500 units $ 497,500.00 $ 672.92 $ 498,172.92 #30893 10 99.500000 2.727% 11/28/2012 10:36:51 AM 10 units $ 9,950.00 $ 13.46 $ 9,963.46 Auction Totals: 13,006 units $ 12,940,970.00 $ 17,503.99 $ 12,958,473.99 Page 2 of 2 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 June 18, 2012 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. 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/7622/results?csrf_toke…86a7c8b4466156a81fde0&sort=price&sort_direction=desc&page=2&pages=2 Page 2 of 2