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Zions Bancorporation provides banking and related services primarily in Utah, Idaho, California, Nevada, Arizona, Colorado, and Washington. It provides various commercial and retail banking, and mortgage lending products and services. As of March 31, 2005, the company operated 6 banks with 386 domestic branches, and 472 ATMs. Zions provides commercial loans, lease financing, cash management, lockbox, customized draft processing, and other special financial services for business and other commercial banking customers. It also provides personal banking services to individuals, including bankcard, student, and other installment loans; mortgages; home equity lines of credit; checking accounts; savings accounts; time certificates of various types and maturities; trust services; safe deposit facilities; direct deposit; and 24-hour ATM access. In addition, the company provides services to certain market segments through its Women's Financial, Private Client Services, and Executive Banking Groups. It provides small business administration loans to small businesses throughout the United States. Zions owns an equity interest in the Federal Agricultural Mortgage Corporation that originates secondary market agricultural real estate mortgage loans. The company offers municipal finance advisory and underwriting services, and also electronic bond trading. Zions also controls four venture capital companies that provide early-stage capital, primarily for start-up companies located in the western United States. The company was organized in 1955 and is headquartered in Salt Lake City, Utah.