Zions Bancorporation, National Association (NASDAQ:ZION) Q4 2020 Earnings Conference Call January 19, 2021 5:30 PM ET Company Participants James Abbott - Director, Investor Relations Harris Simmons - Chairman and CEO Scott McLean - President and COO Paul Burdiss - Chief Financial Officer Keith Maio - Chief Risk Officer Michael Morris - Chief Credit Officer Conference Call Participants Erika Najarian - Bank of America Dave Rochester - Compass Point Ken Zerbe - Morgan Stanley John Pancari - Evercore ISI Jenni ...