Exhibit 4.13 SBT BANKSHARES, INC. NON-QUALIFIED STOCK OPTION AGREEMENT THIS NON-QUALIFIED STOCK OPTION AGREEMENT ("Agreement"), made this 17th day of April, 1995, between SBT BANKSHARES, INC., a Colorado corporation, (hereinafter called "the...Non-Qualified Stock Option Agreement • December 7th, 1998 • Zions Bancorporation /Ut/ • National commercial banks
