Product Offerings

Conduit Lending Program

Loan Amount

$5,000,000 to $150,000,000

Loan to Value

Up to 75% of appraised value with total leverage up to 85%
including mezzanine will be considered on a deal-by-deal basis

Property Types

Office, industrial, retail, multi-family, lodging, manufactured
housing, self-storage, student housing, mixed use, and other
commercial types (deal specific)

Geographic Scope

National

Security

First Mortgage

Term

5, 7, and 10 years

Amortization

Up to 30-year amortization, with interest only (deal specific)

Rate Type

Fixed Rate

Recourse

Non-recourse except for customary carve-outs

Standard Reserves

Taxes, insurance, replacement reserves (based on PCA report),
and rollover reserves (when applicable)

Prepayment

Defeasance / yield maintenance

Assumptions

Permitted

Borrowing Entity

Single purpose entity

Fees

Par

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Additional Information

Disclosures

Loans subject to credit approval, terms and conditions apply. See banker for details.

Zions Capital Markets is the trade name for certain business activities of Zions Bancorporation, N.A. and its divisions and subsidiaries, including Zions Direct, Inc., member FINRA/SIPC. Corporate and commercial banking activities performed by Zions Bancorporation, N.A.

Investment banking, securities underwriting and brokerage activities offered through Zions Direct, Inc. and are (1) NOT insured by the FDIC or any federal or state governmental agency, are (2) NOT deposits or other obligations of, or guaranteed by, Zions Bancorporation or its affiliates, and (3) MAY be subject to investment risks, including the possible loss of principal value or amount invested.

Employees of Zions Bancorporation, N.A. participate in an incentive compensation program under which the employee may receive a fee of more than a nominal amount for referring a customer to Zions Direct, Inc. and payment of this fee may be contingent on whether the referral results in a transaction with Zions Direct, Inc.

Zions Bancorporation, N.A. is registered as a municipal securities dealer with the SEC (Securities Exchange Commission) and the MSRB (Municipal Securities Rulemaking Board) as required by section 15B of the Securities Exchange Act. The MSRB protects investors, state and local governments and other municipal entities, and the public interest, by regulating municipal securities firms, banks and municipal advisors that engage in municipal securities and advisory activities.

Additional information about the protections provided by MSRB Rules as well as procedures to file a formal complaint surrounding any suspected violation or unfair practice by a regulated entity, may be found in the MSRB’s Investor Brochure located at www.msrb.org.