Zions Bancorporation, N.A. acts as an agent when selling money market mutual funds. Although the funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund. Money market mutual funds are sold by prospectus only. Before investing, you should carefully read the prospectus and consider the fund's investment objectives, risks, charges and expenses.

The Bank may retain a portion of the dividends paid by the money market mutual fund as a fee for the administration of the sweep program (a “Spread”). The money market mutual fund yield and the Spread retained by the Bank are calculated on a daily basis and paid monthly. If the money market mutual fund yield paid by the fund company drops below the Spread amount disclosed above on any given day, then the Bank will accordingly reduce its Spread taken that day so the client’s principal investment is not negatively impacted. The performance of the money market mutual fund, as reported by the fund company, does not reflect the deduction of the Spread taken by the Bank; if it were reflected, the Spread would reduce the performance reported by the fund company. The Bank will notify the client of any change to the Spread or Monthly Sweep Fee with a minimum of 30 days’ advance written notice.

Investment products offered through Zions Bancorporation, N.A. are NOT FDIC insured, are NOT deposits of, or other obligations of, or guaranteed by Zions Bancorporation, N.A., its affiliates, or any other bank, and MAY be subject to investment risks, including the possible loss of principal value or amount invested.

Zions Bancorporation, N.A. operates under the trade names Amegy Bank, California Bank & Trust, The Commerce Bank of Washington, The Commerce Bank of Oregon, National Bank of Arizona, Nevada State Bank, Vectra Bank and Zions Bank.

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