Document:

Amendment to the Trust Agreement dated January 6, 2005

 EXHIBIT 10.13 
  
 AMENDMENT TO THE TRUST AGREEMENT 
 Establishing the 
 ZIONS BANCORPORATION DEFERRED COMPENSATION PLANS TRUST 
  
 WHEREAS, effective October 1, 2002, the Zions Bancorporation Deferred Compensation Plan Trust
(hereinafter called the “Trust”) was established by and between Zions Bancorporation (hereinafter called the “Employer”), and CIGNA Bank & Trust Company, FSB, a federal savings bank with its principal office and place
of business in the City of Hartford, Connecticut; in connection with and as part of the Zions Bancorporation Deferred Compensation Plan (hereinafter called the “Plan”); and 
  
 WHEREAS, effective April 1, 2004, in connection with the sale of CIGNA’s retirement business to Prudential Financial, Inc., CIGNA Bank
& Trust Company, FSB merged with another banking institution owned by Prudential Financial, Inc. to form Prudential Bank & Trust, FSB (hereinafter called the “Trustee”); and 
  
 WHEREAS, effective December 31, 2004, the Employer wishes to amend the Trust Agreement and
create a Schedule of Covered Plans (Exhibit A of the Trust Agreement) to include in the Trust additional plans the Employer has added under its Group Annuity Contract as a result of non-qualified deferred compensation legislative changes;

  
 NOW THEREFORE, the Trust Agreement is hereby amended effective April 1, 2004
as follows: 
  

	1.	The face page of the Trust Agreement is amended by deleting the name of the Trustee, CIGNA Bank & Trust Company, FSB, and by replacing it in its entirety with Prudential Bank
& Trust, FSB. 

  

	2.	The first paragraph of the Trust Agreement is amended by deleting the name of the Trustee and by replacing it in its entirety with Prudential Bank & Trust, FSB, a
federally-chartered thrift with its principal office and place of business in the City of Hartford, Connecticut. 

  
 NOW THEREFORE, the Trust Agreement is hereby amended effective December 31, 2004 as follows: 
  

	1.	A Schedule of Covered Plans (Exhibit A of the Trust Agreement) is created and attached hereto and forms a part hereof. 

  

	2.	The name of the Plan, Zions Bancorporation Deferred Compensation Plan, in the second paragraph of the Trust Agreement is deleted and replaced in its entirety by Zions Bancorporation
Deferred Compensation Plans. 

	3.	The face page and Section 1(d) of the Trust Agreement is amended by deleting the name of the Trust, Zions Bancorporation Deferred Compensation Plan Trust, and by replacing it in its
entirety with Zions Bancorporation Deferred Compensation Plans Trust. 

 IN WITNESS WHEREOF, this amendment has been executed on the dates indicated below. 
  

							
	 EMPLOYER
	 	 PRUDENTIAL BANK & TRUST, FSB

				
	 By
	 	     /s/ Diana M. Andersen

	 	 By
	 	     /s/ Andrew F. Levesque

				
	 Its
	 	     V.P. & Dir – Corp Benefits

	 	 Its
	 	     Trust Officer

				
	 Date
	 	     12/30/2004

	 	 Date
	 	     1/6/2005

				
	 Attest
	 	
	 	 Attest
	 	     /s/ Joan M. Bobbitt

 EXHIBIT A 
  
 SCHEDULE OF COVERED PLANS 
  

	1.	Zions Bancorporation Deferred Compensation Plan 

  

	2.	Zions Bancorporation Post 2004 Deferred Compensation Plan 

  

	3.	Zions Bancorporation Excess Benefit Plan 

  

	4.	Zions Bancorporation Post 2004 Excess Benefit PlanAmendment to the Trust Agreement dated January 6, 2005

 EXHIBIT 10.14 
  
 AMENDMENT TO THE TRUST AGREEMENT 
 Establishing the 
 ZIONS BANCORPORATION DEFERRED COMPENSATION PLANS FOR 
 DIRECTORS TRUST 
  
 WHEREAS, effective April 29, 2003, the Zions Bancorporation Deferred Compensation Plan for Directors Trust (hereinafter called the “Trust”) was established by
and between Zions Bancorporation (hereinafter called the “Employer”), and CIGNA Bank & Trust Company, FSB, a federal savings bank with its principal office and place of business in the City of Hartford, Connecticut; in connection with
and as part of the Zions Bancorporation Deferred Compensation Plan for Directors (hereinafter called the “Plan”); and 
  
 WHEREAS, effective April 1, 2004, in connection with the sale of CIGNA’s retirement business to Prudential Financial, Inc., CIGNA Bank & Trust Company, FSB
merged with another banking institution owned by Prudential Financial, Inc. to form Prudential Bank & Trust, FSB (hereinafter called the “Trustee”); and 
  
 WHEREAS, effective December 31, 2004, the Employer wishes to amend the Trust Agreement and create a Schedule of Covered Plans (Exhibit A of
the Trust Agreement) to include in the Trust additional plans the Employer has added under its Group Annuity Contract as a result of non-qualified deferred compensation legislative changes; 
  
 NOW THEREFORE, the Trust Agreement is hereby amended effective April 1, 2004 as follows:

  

	1.	The face page of the Trust Agreement is amended by deleting the name of the Trustee, CIGNA Bank & Trust Company, FSB, and by replacing it in its entirety with Prudential Bank
& Trust, FSB. 

  

	2.	The first paragraph of the Trust Agreement is amended by deleting the name of the Trustee and by replacing it in its entirety with Prudential Bank & Trust, FSB, a
federally-chartered thrift with its principal office and place of business in the City of Hartford, Connecticut. 

  
 NOW THEREFORE, the Trust Agreement is hereby amended effective December 31, 2004 as follows: 
  

	1.	A Schedule of Covered Plans (Exhibit A of the Trust Agreement) is created and attached hereto and forms a part hereof. 

  

	2.	The name of the Plan, Zions Bancorporation Deferred Compensation Plan for Directors, in the second paragraph of the Trust Agreement is deleted and replaced in its entirety by Zions
Bancorporation Deferred Compensation Plans for Directors. 

  

	3.	The face page and Section 1(d) of the Trust Agreement is amended by deleting the name of the Trust, Zions Bancorporation Deferred Compensation Plan for Directors Trust, and by
replacing it in its entirety with Zions Bancorporation Deferred Compensation Plans for Directors Trust. 

 IN WITNESS WHEREOF, this amendment has been executed on the dates indicated below. 
  

							
	 EMPLOYER
	 	 PRUDENTIAL BANK & TRUST, FSB

				
	 By
	 	     /s/ Diana M. Andersen

	 	 By
	 	     /s/ Andrew F. Levesque

				
	 Its
	 	 V.P. & Dir – Corp Benefits

	 	 Its
	 	     Trust Officer

				
	 Date
	 	     12/30/2004

	 	 Date
	 	     1/6/2005

				
	 Attest
	 	
	 	 Attest
	 	     /s/ Joan M. Bobbitt

  
  

 EXHIBIT A 
  
 SCHEDULE OF COVERED PLANS 
  

	1.	Zions Bancorporation Deferred Compensation Plan for Directors 

  

	2.	Zions Bancorporation Post 2004 Deferred Compensation Plan for DirectorsFirst Amendment to the Zions Bancorporation Payshelter

 EXHIBIT 10.19 
  
 FIRST AMENDMENT 
 TO THE

 ZIONS BANCORPORATION 
 PAYSHELTER 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN 
  
 This First Amendment to the Zions Bancorporation Payshelter 401(k) and Employee Stock Ownership Plan (the “Plan”) is made and entered into this 20th day of November, 2003, by the Zions Bancorporation Benefits Committee for
and on behalf of Zions Bancorporation, hereinafter referred to as the “Employer.” 
  
 W I T N E S S E T H: 
  
 WHEREAS,
the Employer has heretofore entered into the Plan, which Plan has been amended and restated in its entirety effective for the Plan Year commencing on January 1, 2003, and for all plan years thereafter, and 
  
 WHEREAS, the Employer has reserved the right to amend the Plan in whole or in
part, and 
  
 WHEREAS, the Zions Bancorporation Benefits
Committee, for and on behalf of the Employer, now desires to amend the Plan to clarify the circumstances under which an employee is entitled to receive an allocation of employer non-elective contributions and further to clarify how vesting service
will be credited under the Plan, including vesting service based on prior service of an employee with a company acquired by the Employer, 
  
 NOW THEREFORE, in consideration of the foregoing premises and mutual covenants herein contained, the Zions Bancorporation Benefits Committee amends the
Plan as follows (changes are noted in bold italics): 
  

	 	1.	Section 3.10 is amended to read as follows: 

  
 3.10 “Year of Vesting Service” shall mean: 
  

	 	(a)	for Plan Years commencing prior to January 1, 2002, a Vesting Computation Period during which an Employee has completed at least one (1) Hour of Service. For
Plan Years commencing on or after January 1, 2002, “Year of Vesting Service” shall mean a Vesting Computation Period during which an Employee has completed at least one thousand (1000) Hours of Service. Subject to
Section 11.05 a Participant’s Years of Vesting Service shall be determined based on all Vesting Computation Periods containing or beginning after his Employment Commencement Date or Re- employment Commencement Date, provided that service prior
to the date an Employee has attained Age 18 shall not be taken into 

	 	 
account. Any individual who was a Leased Employee and who subsequently becomes an Eligible Employee shall be credited with all Years of Service as a Leased
Employee for purposes of determining Years of Vesting Service. 

  

	 	(b)	with respect to a Merged Employee for Plan Years commencing prior to the Merger Date, a calendar year during which the Merged Employee has completed at least one (1) hour of
service for the Merged Employer. For Plan Years commencing on or after the Merger Date, “Year of Vesting Service” shall mean a Vesting Computation Period during which the Merged Employee completes at least one thousand (1000) Hours of
Service. All creditable Years of Vesting Service determined under the above rules for a Merged Employee shall be credited under this Plan as of the Merged Employee’s Employment Commencement Date. For purposes of this Section 3.10:

  

	 	(1)	“Merged Employee” shall mean an Employee who immediately prior to his Employment Commencement Date, was employed by a Merged Employer. 

  

	 	(2)	“Merged Employer” shall mean an entity which was acquired by (whether as a stock or asset acquisition) or merged into the Plan Sponsor or another Employer who has
adopted this Plan.  

  

	 	(3)	“Merger Date” shall mean the date designated in any agreement or contract of merger, sale or acquisition as the date on which the acquisition of the Merged Employer
by the Plan Sponsor or Employer is considered complete. 

  

	 	2.	Section 6.02(c) is amended to read as follows: 

  

	 	(c)	 Employer Non-Elective Contributions made pursuant to Section 5.07 shall be allocated on each Annual Valuation Date to each Participant’s Account who satisfies
the requirements of Section 6.04(b). The Employer’s Non-Elective Contribution shall be credited to the Accounts of eligible Participants in an amount equal to that percentage of each annual Employer Non-Elective Contribution to this Plan which
is in the same proportion that each Participant’s Annual Compensation for the Plan Year for which the Employer makes the Non-Elective Contribution bears to the total Annual Compensation of all Participants for the Plan Year. For purposes of
this Section 6.02(c) only Compensation paid to the Employee from and after the date applicable to the Participant as provided in sub-section 6.04(c) shall be taken into account. At the 

  

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time the Employer makes its Non-Elective Contribution the Employer shall designate to the Administrator the Plan Year for which the Non-Elective Contribution
shall be deemed to have been made (which may be the current Plan Year or the immediately prior Plan Year, as the Employer deems appropriate). If the Employer makes no designation, the Employer’s Non-Elective Contribution shall be deemed to have
been made for the Plan Year which begins concurrent with or within the taxable year of the Employer for which the Employer claims a deduction under Code §404. 

  

	 	3.	Section 6.04(b) is amended and a new sub-section (c) is added to Section 6.04 to read as follows: 

  

	 	(b)	Except as otherwise provided in this Section 6.04, the Administrator shall determine allocations of Employer Non-Elective Contributions on the basis of the Plan Year. In allocating
Employer Non-Elective Contributions to a Participant’s Account, the Administrator shall take into account only Compensation paid the Employee from and after the date applicable to the Participant as provided in sub-section (c)
below. For any Plan Year Employer Non-Elective Contributions shall be allocated only to Accounts of Participants who complete at least one thousand (1000) Hours of Service during the Plan Year and who are employed by the Employer on the last
day of the Plan Year. The rules set forth in subsection (c) below shall also apply in determining when the Participant is eligible to receive an Employer Non-elective Contribution.  

  

	 	(c)	If an Employee becomes a Participant in the Plan prior to the first anniversary of his Employment Commencement Date, he shall not receive an allocation of Employer
Non-Elective Contributions (regardless of the number of his Hours of Service or the amount of his Elective Deferrals) for any period prior to the earlier of January 1 or July 1 following the first anniversary of his Employment Commencement Date.
From and after the applicable date the Participant shall be entitled to an allocation of Employer Non-Elective Contributions for the Plan Year, without regard to whether the Participant has been continuously employed from his Employment Commencement
Date, provided the Participant first satisfies the Hours of Service and employment requirements of sub-section (b) above.  

  
 4. This Amendment shall be effective January 1, 2003, and for all Plan Years commencing thereafter, and shall apply to all employees employed by the
Employer on or after that date and to all participants who have an account balance in the Plan on or after that date. 
  

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	 	5.	In all other respects the Plan is ratified and approved. 

  
 IN WITNESS WHEREOF, the Zions Bancorporation Benefits Committee has caused this Amendment to the Plan to be duly executed as of the date and year first
above written. 
  

			
	 Zions Bancorporation Benefits Committee

		
	 By:
	 	 /s/ Merrill Wall

	 Its:
	 	  

  

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