Fourth Quarter 2020 Financial Review ZIONS BANCORPORATION January 19, 2021 Forward-Looking Statements; Use of Non-GAAP Financial Measures 2 Forward Looking Information These materials include "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 th ...