Fourth Quarter 2023 Financial Review ZIONS BANCORPORATION January 22, 2024 Forward-Looking Statements; Use of Non-GAAP Financial Measures 2 Forward Looking Information This earnings release 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 fa ...