ZIONS BANCORPORATION Senior Medium-Term Notes Subordinated Medium-Term Notes DISTRIBUTION AGREEMENTDistribution Agreement • September 11th, 2002 • Zions Bancorporation /Ut/ • National commercial banks • New York
and other information referred to below, a reading of the latest available interim financial statements of the Company and its subsidiaries, inspection of the minute books of the Company and its subsidiaries since the date of the latest audited financial statements included or incorporated by reference in the Prospectus as amended or supplemented, inquiries of officials of the Company and its subsidiaries responsible for financial and accounting matters and such other inquiries and procedures as may be specified in such letter, nothing came to their attention that caused them to believe that:
