Vectra Bank Colorado Questions and Answers

Vectra Bank is chartered in Farmington, N.M. Our corporate headquarters are located in Denver, and we operate 39 locations throughout Colorado and one in Farmington, New Mexico.

Vectra Bank opened for business in Denver in 1988 as an independent bank. Over the next 10 years, Vectra grew to include 17 banks in the Denver/Boulder area. In 1998, Zions Bancorporation (NASDAQ: ZION) acquired Vectra Bank and completed a series of additional acquisitions in Colorado that knitted together some of the most successful banks statewide. Today, Vectra Bank Colorado is part of the Zions group of locally managed, regional banking networks operating in 10 Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah and Washington.

Vectra Bank Colorado specializes in proactive banking solutions that meet the needs of Colorado's small and middle–market businesses and their owners, managers and employees. We offer a full range of innovative banking, lending and treasury management products for individuals and businesses, as well as nonprofit organizations.

Our bankers know their customers and understand the broader environment in which all Colorado businesses operate. Knowledge is the foundation on which we build our business.

Vectra customizes an account mix for every bank client. Our bankers provide a quarterly account review for every business customer, large or small. The bank’s comprehensive services include:

• Commercial and Corporate Banking
• Business Banking
• Private Banking
• Mortgages & Personal Banking
• Treasury Management
• Merchant Services
• Foreign Exchange Services
• Commercial Real Estate Financing
• Lease Financing
• Factoring & Swaps

Vectra Wealth Advisor Services* focuses on the financial needs of affluent clients, their families and businesses. This team works together to coordinate the financial resources and customized solutions to help protect client assets, financial planning through all stages of life and to achieve goals for the future. Our services include:

• Financial Planning Services
• Investments
• Insurance Solutions
• Trust Services
• Family Business Planning

*Wealth Advisor Services, Investments, Insurance & Trust Services

Wealth advisory services are offered through Contango Capital Advisors, Inc. (Contango), which operates as Vectra Wealth Advisors in Colorado. Contango is a registered investment adviser, a non-bank affiliate of Vectra Bank and a non-bank subsidiary of Zions Bancorporation. Some representatives of Vectra Wealth Advisors are also representatives of Zions Direct, which is a member of FINRA/SIPC and a non–bank subsidiary of Zions Bank. Some investment services are offered through Zions Trust, National Association (Zions Trust), also a subsidiary of Zions Bank and affiliate of Contango.

Investment products and services offered by or through Contango and Zions Trust are not insured by the FDIC or any federal or state governmental agency, are not deposits or other obligations of, or guaranteed by, Vectra Bank, Zions Bancorporation or its affiliates, and may be subject to investment risks, including the possible loss of principal value or amount invested.

Insurance services are offered through Zions Insurance Agency, Inc., a licensed affiliate of Vectra Bank and Zions Bank. Insurance products are offered through various non–affiliated licensed agencies selected by Zions Insurance Agency. Insurance products and services are not insured by the FDIC or any federal or state governmental agency, are not deposits or other obligations of, or guaranteed by Vectra, Zions, Zions Bancorporation or its affiliates, and are subject to the claims-paying ability of the issuer.

Vectra Bank Colorado is a mid–size bank in Colorado. While growth and asset size are important to us, our focus is on serving the right customers, not the most customers. Therefore, our size ranking in comparison is far less important to us than our overall performance.

Vectra Bank is an affiliate of Zions Bancorporation (NASDAQ: ZION). Vectra Bank joined Zions Bancorporation in 1998. Zions is one of the nation’s premier financial services companies, consisting of a collection of great banks in select high-growth markets. Under local management teams and community identities, Zions operates over 500 full–service banking offices in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah and Washington.

In addition, Zions is a national leader in SBA lending, public finance advisory services, and agricultural finance. The company is included in the S&P 500 Index.

Where can I access the latest information about Vectra's financial performance? Zions Bancorporation reports on its earnings on a quarterly basis. Visit the Zions Bancorporation Web site at www.zionsbancorporation.com to obtain in-depth information about the Bancorporation's financial performance.

Yes. Vectra Bank employees and leadership believe it is important to return contributions to the communities that do business with our bank. Each year, our local branch leaders determine which organizations we can support. Those decisions are made locally to extend the greatest aid where it is most needed. For information about our giving program, please contact your local banker.

Every year, Vectra Bank employees volunteer thousands of hours to dozens of community organizations. Our commitment to the communities where we live and work extends from our most senior executives through to every bank employee.

• Through partnerships with organizations such as the Colorado Housing and Finance Authority, Housing Colorado and various other economic development organizations, Vectra has created opportunities such as home ownership and small–business loans for thousands of underserved and low–income families statewide.
• Vectra Bank employees volunteer as teachers with Junior Achievement, which educates youth about business, economics and succeeding in a global economy.
• Our local bank branches contribute to their communities in unique ways. For example, shows featuring local artists frequently grace bank lobbies in Pueblo and Aspen. In 2007, our employees in Colorado Springs and Pueblo volunteered to help donate a home to a needy family for the “Extreme Makeover: Home Edition” TV program.
• In 2005, in the wake of Hurricane Katrina, Vectra Bank formed an extraordinary partnership with the Red Cross. Vectra Bank's Remote Deposits tool allowed the Red Cross to seamlessly receive and process the millions of dollars in donations that flowed in to the organization — getting help to needy Americans that much faster.
• Every year, Vectra Bank hosts an Economic Forecast breakfast, free to the business community, that brings our corporate economist, Jeff Thredgold, to present his views of the coming year’s economic position.