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Claire A. Huang, a director of ZIONS BANCORPORATION, NATIONAL ASSOCIATION (ZION), received 532.275 phantom stock units under a deferred compensation arrangement. The phantom units are settled in cash upon the earlier of death or retirement, creating a future cash obligation tied to the company’s common stock value. After the grant, Ms. Huang is reported to directly beneficially own 31,074.542 shares of common stock. The transaction was reported as an acquisition of a derivative-style award rather than a direct stock purchase, and the form was submitted by a single reporting person filing through an authorized attorney-in-fact.