----

----

| (a)   | “Act”      means the Securities Exchange Act of 1934, as  amended. |
|-----------------|--------------------------------------------------------------------------------|

| (b)   | “Affiliate”      means (i) the Company’s wholly and majority owned subsidiaries,      including but not limited to United Western Bank, (ii) any entity that,      directly or indirectly through one or more intermediaries, is controlled      by the Company and (iii) any entity in which the Company has a      significant equity interest, as determined by the    Committee. |
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| (c)   | “Award”      means any Stock Option, Stock Appreciation Right, Restricted Stock,      Performance Unit, supplemental cash payment or other award granted under      the Plan. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d)   | “Award      Agreement” means any written agreement, contract or other instrument or      document evidencing any Award granted under the  Plan. |
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| (e)   | “Board”      means the Board of Directors of theCompany. |
|-----------------|----------------------------------------------------------------------|

| (f)   | “Cause”      means, unless otherwise determined by the Committee and reflected in the      applicable Award Agreement, the Committee’s determination that any one or      more of the following has occurred: (i) the willful and continued      failure by a Participant to substantially perform his or her duties (other      than any such failure resulting from the Participant’s Disability, death      or Retirement), after a written demand for substantial performance is      delivered by the Committee to the Participant that specifically identifies      the manner in which the Committee believes that the Participant has not      substantially performed his or her duties, and the Participant has failed      to remedy the situation within thirty (30) calendar days of receiving such      notice or (ii) a Participant’s conviction for committing an act of      fraud, embezzlement, theft or another act constituting a felony or a crime      involving moral turpitude or (iii) substantial dependence or      addiction to any drug illegally taken or to alcohol that is in either      event materially and demonstrably injurious to the Company or      (iv) the engaging by a Participant in gross misconduct materially and      demonstrably injurious to the Company.  No act or failure to act      on a Participant’s part shall be considered “willful” unless done, or      omitted to be done, by the Participant not in good faith and without      reasonable belief that his action or omission was in the best interest of      the Company.  Cause shall be determined by the Committee in its      sole discretion pursuant to the exercise of good faith and reasonable      judgment. |
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| (g)   | “Code”      means the Internal Revenue Code of 1986, as amended, or any successor      statute thereto. |
|-----------------|---------------------------------------------------------------------------------------------------------------------|

| (h)   | “Commission”      means the Securities and ExchangeCommission. |
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| (i)   | “Committee”      means the Compensation Committee of theBoard. |
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| (j)   | “Common      Stock” means the common stock, par value $0.0001 per share, of the      Company. |
|-----------------|-----------------------------------------------------------------------------------------------------------|

| (k)   | “Disability”      means total and permanent disability as determined under the Company’s      long-term disability plan, irrespective of whether the Participant is      covered by that plan. |
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| (l)   | “Disinterested      Person” means an individual who qualifies as both a “non-employee      director” (as defined in Rule 16b-3(b)(3) as promulgated by the      Commission under the Act, or any successor definition adopted by the      Commission) and an “outside director” as defined in Section 162(m) of      the Code and the regulations promulgated thereunder, or any successor      definition thereto). |
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| (m)   | “Early      Retirement” means retirement from active employment with the Company or      its Affiliates prior to the date that the Participant reaches the age      established by the Company generally for retirement of Company employees      which retirement is treated as a retirement by the Company, in its sole      discretion. |
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| (n)   | “Eligible      Person” means any Employee, director (including any Non-Employee Director)      or person providing services, including consulting services, to the      Company or any Affiliate whom the Committee determines, in its discretion,      to be an Eligible Person, based on the Committee’s assessment that such      person’s decisions, actions and/or counsel could significantly affect the      performance of the Company and its Affiliates, provided, however, that all      Eligible Persons who are not Employees or directors must be natural      persons providing bona fide services to the Company that are not in      connection with the offer or sale of securities in a capital raising      transaction and that do not directly or indirectly promote or maintain a      market for the Company’ssecurities. |
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| (o)   | “Employee”      means any employee of the Company or its Affiliates, including officers of      the Company or its Affiliates.  Non-Employee Directors shall not      be considered Employees for purposes of the  Plan. |
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| (p)   | “Fair      Market Value” means, as of any given date, the closing price of the Common      Stock (or if no transactions were reported on such date on the next      preceding date on which transactions were reported) in the principal      market in which such Common Stock is traded on such  date. |
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| (q)   | “Incentive      Stock Option” means any Stock Option intended to be and designated by the      Committee as an “incentive stock option” within the meaning of      Section 422 of the Code. |
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| (r)   | “Nonqualified      Stock Option” means any Stock Option that is not an Incentive Stock      Option. |
|-----------------|-----------------------------------------------------------------------------------------------------------------|

| (s)   | “Normal      Retirement” means retirement from active employment with the Company or      its Affiliates on or after the date on which the Participant reaches the      age of 65. |
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| (t)   | “Participant”      means an Eligible Person granted an Award under the  Plan. |
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| (u)   | “Performance      Units” means an Award granted to a Participant pursuant to Section 9      hereof contingent upon achieving certain performance    targets. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (v)   | “Person”      means any individual, Company, partnership, association or      trust. |
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| (w)   | “Restricted      Stock” means an Award of shares of Common Stock granted to a Participant      pursuant to and subject to the restrictions set forth in Section 10      hereof. |
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| (x)   | “Retirement”      means Early Retirement and NormalRetirement. |
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| (y)   | “Stock      Appreciation Right” means a right granted under Section 8 hereof,      which entitles the holder to receive cash or Common Stock in an amount      equal to the excess of (i) the Fair Market Value of a specified      number of shares of Common Stock at the time of exercise over      (ii) the price specified in thegrant. |
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| (z)   | “Stock      Option” means any option to purchase shares of Common Stock granted      pursuant to Section 7 hereof. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------|

| (aa)   | “Ten      Percent Shareholder” means a Person who owns (after taking into account      the attribution rules of Section 424(d) of the Code or any successor      provision of the Code) more than ten percent (10%) of the total combined      voting power of all classes of stock of the  Company. |
|------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a)   | The      Plan shall be administered by the Committee.  The Committee      shall be appointed by the Board and shall consist of three or more members      of the Board who are Disinterested Persons.  The Committee shall      have full and final authority in its discretion (i) to interpret the      provisions of the Plan (and any Award Agreement and any other agreement or      instrument relating to the Plan) and to decide all questions of fact      arising in its application, (ii) to designate Participants, (iii) to      determine the Participants to whom Awards shall be made under the Plan,      (iv) to determine the type of Award to be made and the amount, size, terms      and conditions of each such Award, (v) to determine and establish      additional terms and conditions not inconsistent with the Plan for any      Award Agreements entered into with Participants in connection with the      Plan, (vi) to determine the time when Awards will be granted and when      rights may be exercised, which may be after termination of employment,      (vii) to adopt, alter and repeal such administrative rules, guidelines and      practices governing the Plan as it shall, from time to time, deem      advisable and (viii) to make all other determinations necessary or      advisable for the administration of thePlan. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | A      majority of the Committee shall constitute a quorum, and the action of a      majority of members of the Committee present at any meeting at which a      quorum is present shall be the act of the Committee.  The      Committee may also act by unanimous written consent.  Any      decision made, or action taken, by the Committee arising out of or in      connection with the interpretation and administration of the Plan shall be      final and conclusive; provided, however, that any such decision made or      action taken by the Committee may be reviewed by the Board, in which event      the determination of the Board shall be final and      conclusive.  This provision shall not be construed to grant to      any Person any right to review by the Board of any decision made or action      taken by the Committee. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (c)   | Neither      the Committee nor any member thereof shall be liable for any act,      omission, interpretation, construction or determination made in connection      with the Plan in good faith, and the members of the Committee shall be      entitled to indemnification and advancement of expenses by the Company in      respect of any claim, loss, damage or expense (including attorneys’ fees)      arising therefrom to the full extent permitted by the Company’s Articles      of Incorporation and Bylaws and as may be otherwise required by law and      under any directors’ and officers’ liability insurance that may be in      effect from time to time, or as a majority of the Board then in office may      determine from time to time, as evidenced by a written resolution      thereof.  In addition, no member of the Committee and no      Employee shall be liable for any act, or failure to act hereunder, by any      other member or other Employee or by any agent to whom duties in      connection with the administration of this Plan have been delegated or for      any act or failure to act by such member or Employee, in all events except      in circumstances involving such member’s or Employee’s bad faith, gross      negligence, intentional fraud or violation of a  statute. |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d)   | In      addition to the Board’s delegation of authority to administer the Plan      generally to the Committee, the Board also delegates to the Chief      Executive Officer, so long as he or she is a member of the Board, the      authority to allocate Awards among individual Participants in those      instances where the Committee has granted Awards, in the aggregate, to a      group or class of Participants and has authorized the Chief Executive      Officer to make such allocations so long as (i) the Participants are not      officers or directors of the Company and (ii) such delegation is not      limited by applicable Colorado corporate law, compliance with SEC Rule      16b-3, Section 162(m) of the Code, or other similar      requirements. |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a)   | The      total number of shares of Common Stock reserved and available for      distribution under the Plan shall be One Million      (1,000,000).  Such shares may consist of, in whole or in part,      authorized and unissued shares or shares previously issued that have been      repurchased by the Company.  Except as otherwise provided      herein, any shares subject to a Stock Option or right that for any reason      expires or terminates unexercised as to such shares and any shares of      Restricted Stock which are forfeited by a Participant or otherwise      reacquired by the Company shall again be available for award under the      Plan. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (b)   | The      maximum number of shares of Common Stock subject to Awards that may be      granted under the Plan to any one participant in any one year is Five      Hundred Thousand (500,000) (subject to appropriate adjustments to reflect      changes in the capitalization of the Company pursuant to Section 5(c) of      the Plan). |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c)   | In      the event of any change in the outstanding number of shares of Common      Stock by reason of a stock dividend or distribution, recapitalization,      merger, consolidation, split-up, combination, exchange of shares or      otherwise, the Committee shall adjust the number of shares of Common Stock      which may be issued under the Plan and the Committee shall provide for an      equitable adjustment of any shares issuable pursuant to Awards outstanding      under the Plan.  Any adjustments of the number of shares for any      purpose under the Plan shall be determined in accordance with the rules      governing modifications, extensions, substitutions and assumptions of      stock rights described in Treasury Regulation Section      1.409A-1(b)(5)(v)(D), as it may be amended from time to    time. |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (a)   | Option      Price.  The option price per share of Common Stock      purchasable under a Stock Option shall be determined by the Committee at      the time of grant but shall not be less than the Fair Market Value of the      Common Stock on the date of the grant of the Stock Option; provided,      however, if the Stock Option is an Incentive Stock Option granted to a Ten      Percent Shareholder, the option price for each share of Common Stock      subject to such Incentive Stock Option shall not be less than one hundred      ten percent (110%) of the Fair Market Value of a share of Common Stock on      the date such Incentive Stock Option is      granted.  Notwithstanding the foregoing and except as permitted      by the provisions of Sections 5(c) and 13 hereof, the Committee shall      not have the power to (i) amend the terms of previously granted Stock      Options to reduce the option price per share subject to such Stock Option      or (ii) cancel such Stock Options and grant substitute Stock Options with      a lower price per share than the cancelled Stock Options.  If      and to the extent that a Stock Option by its terms purports to be granted      at a price lower than that permitted by the Plan, such Stock Option shall      be deemed for all purposes to have been granted at the lowest price that      would in fact have been permitted by the Plan at the time of      grant. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | Option      Term.  The term of each Stock Option shall be fixed by      the Committee, but no Incentive Stock Option shall be exercisable more      than ten (10) years after the date such Incentive Stock Option is granted;      provided, however, that if a Stock Option is an Incentive Stock Option      granted to a Ten Percent Shareholder, such Incentive Stock Option shall      not be exercisable more than five (5) years after the date such Incentive      Stock Option is granted. |
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| (c)   | Exercisability and      Vesting.  Subject to Section 7(g) hereof with      respect to Incentive Stock Options, Stock Options shall be exercisable at      such time or times and subject to such terms and conditions as shall be      determined by the Committee.  If any Stock Option is exercisable      only in installments, the Committee, in its discretion, may waive such      installment exercise provisions at any time, in whole or in part, based on      performance and/or such other factors as the Committee may determine in      its sole discretion.  If and to the extent that any Stock Option      has become exercisable, it shall be deemed to be vested and fully      exercisable until such time as it expires in accordance with its terms or      terminates pursuant to any provision of the  Plan. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d)   | Method      of Exercise.  Stock Options may be exercised in whole or      in part at any time after vesting and before expiration or termination      (the “Option Period”) by giving written notice of exercise to the Company      specifying the number of shares to be purchased, accompanied by payment in      full of the purchase price, in cash, by check payable to the Company or      such other instrument as may be acceptable to the Committee.  As      determined by the Committee, in its sole discretion, at or after the time      of grant, payment in full or in part may also be made in the form of      unrestricted Common Stock owned by the Participant (based on the Fair      Market Value of the Common Stock on the date the Stock Option is      exercised, as determined by the Committee) or such other form of payment      as may be deemed acceptable by the Committee.  No shares of      Common Stock resulting from the exercise of a Stock Option shall be issued      until full payment therefor has beenmade. |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e)   | Voluntary Termination and      Termination by the Company for Cause.  Unless otherwise      determined by the Committee and reflected in the applicable Award      Agreement, an employment contract or other applicable agreement between      the Participant and the Company or an Affiliate, a Participant granted a      Stock Option who voluntarily terminates employment, other than by reason      of Retirement, or whose employment is terminated involuntarily for Cause,      will forfeit all rights under such Stock Option at the time of such      termination. |
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----

| (f)   | Termination for Any Reason      Other Than Cause and Voluntary Termination.  The rights      of any Participant granted a Stock Option, whose employment is terminated      for any reason other than as set forth in subsection (e), above shall      be exercisable for a period of ninety (90) days after such termination      unless the Committee determines, in its discretion, to shorten or extend      such period, as reflected in the applicable Award Agreement or another      agreement between the Participant and the Company or an Affiliate, but in      no event shall the Stock Option be exercisable after the end of the Stock      Option term provided for in Section7(b). |
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| (g)   | Limit on Value of Incentive      Stock Option First Exercisable Annually.  The aggregate      Fair Market Value (determined at the time of grant) of the Common Stock      for which Incentive Stock Options are exercisable for the first time by a      Participant during any calendar year under the Plan (and/or any other      stock option plans of the Company or any Affiliate) shall not exceed One      Hundred Thousand and No/l00 Dollars($100,000). |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a)   | Award.  A      Stock Appreciation Right shall entitle the Participant to receive upon      exercise the excess of (i) the Fair Market Value of a specified      number of shares of Common Stock at the time of exercise over (ii) a      specified price which shall not be less than one hundred percent (100%) of      the Fair Market Value of the Common Stock at the time the Stock      Appreciation Right was granted.  A Stock Appreciation Right may      be granted in connection with all or any portion of a previously or      contemporaneously granted Stock Option (including, in addition to Stock      Options granted under the Plan, stock options granted under other plans of      the Company), or not in connection with a Stock  Option. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | Term.  Stock      Appreciation Rights shall be granted for a period of not more than ten      (10) years, and shall be exercisable in whole or in part at such time or      times and subject to such other terms and conditions as shall be      prescribed by the Committee. |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c)   | Payment.  Upon      exercise of a Stock Appreciation Right, payment shall be made in the form      of Common Stock (at the Fair Market Value on the date of exercise), in      cash, or in a combination thereof, as the Committee may      determine. |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d)   | Effect on      Shares.  The exercise of a Stock Appreciation Right shall      be treated as the issuance of a share of Common Stock for purposes of      calculating the maximum number of shares that have been issued under the      Plan. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e)   | Stock Appreciation Right      Granted with Incentive Stock Option.  A Stock      Appreciation Right granted in connection with an Incentive Stock Option      may be exercised only if and when the Fair Market Value of the Common      Stock subject to the Incentive Stock Option exceeds the exercise price of      such Stock Option. |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (f)   | Voluntary Termination and      Termination by the Company for Cause.  Unless otherwise      determined by the Committee and reflected in the applicable Award      Agreement, an employment contract or other applicable agreement between      the Participant and the Company or an Affiliate, a Participant granted a      Stock Appreciation Right who voluntarily terminates employment, other than      by reason of Retirement, or whose employment is terminated involuntarily      for Cause, will forfeit all rights under such Stock Appreciation Right at      the time of such termination.  Notwithstanding any provision in      any Award Agreement, employment contract or other applicable agreement      between the Participant and the Company or an Affiliate, in no event shall      a Stock Appreciation Right be exercisable after the end of the Stock      Appreciation Right term provided for in Section  8(b). |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (g)   | Termination for Any Reason      Other Than Cause and Voluntary Termination.  The rights      of any Participant granted a Stock Appreciation Right, whose employment is      terminated for any reason other than as set forth in subsection (f),      above shall be exercisable for a period of ninety (90) days after such      termination unless the Committee determines, in its discretion, to shorten      or extend such period, as reflected in the applicable Award Agreement or      another agreement between the Participant and the Company or an      Affiliate.  Notwithstanding any provision in any Award      Agreement, employment contract or other applicable agreement between the      Participant and the Company or an Affiliate, in no event shall a Stock      Appreciation Right be exercisable after the end of the Stock Appreciation      Right term provided for in Section8(b). |
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| (a)   | Performance      Period.  The performance period for a Performance Unit      shall be established by the Committee and shall be not more than ten (10)      years. |
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| (b)   | Valuation of      Units.  A value for each Performance Unit shall be      established by the Committee, together with principal, minimum and any      interim performance targets to be achieved with respect to the Performance      Unit during the performance period.  The Participant shall be      entitled to receive one hundred percent (100%) of the value of the      Performance Unit if the principal target is achieved during the      performance period, but shall be entitled to receive no value for such      Performance Unit if the minimum target is not achieved during the      performance period.  The Participant shall be entitled to      receive one or more stated portions of the value of the Performance Unit      for specified interim performance targets during the performance period      that meets or exceeds the minimum target but fails to meet the principal      target. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (c)   | Performance      Goals.  The Committee may establish performance goals      based on any business criteria deemed appropriate by the Committee      including but not limited to: (i) net earnings; (ii) earnings per      share; (iii) net deposit or loan growth; (iv) net income (before or after      taxes); (v) net operating profit; (vi) return measures (including return      on assets, capital (including tangible or intangible), equity or sales;      (vii) cash flow (including operating cash flow and free cash flow); (viii)      cash flow return on investments; (ix) earnings before or after taxes,      interest, depreciation and/or amortization; (x) internal rate of return or      increase in net present value; (xi) gross margins; (xii) operating margin;      (xiii) share price (including growth measures and total stockholder      return); (xiv) expense targets; (xv) working capital targets including      targets relating to loan growth, collections, charge-offs, and tier 1      and tier 2 capital measures; (xvi) planning accuracy (as measured by      comparing planned results to actual results); (xvii) key operational      measures (including delivery performance, quality measurements, employee      metrics and market share expansion); and (xviii) ratios, such as earnings      to shareholders’ equity, earnings to total capital, capital to assets, or      operating expenses to totalrevenue. |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d)   | Adjustments.  At      any time prior to payment of the Performance Units, the Committee may      adjust previously established performance goals and other terms and      conditions to reflect major unforeseen events such as changes in laws,      regulations or accounting policies or procedures, mergers, acquisitions or      divestitures or extraordinary, unusual or nonrecurring items or events,      subject to the limitations of Section 162(m) of the Code and the      regulations promulgated thereunder with respect to those Performance Units      which are structured to qualify for an exception to the limitations on      deductibility imposed by Section 162(m) of the Code and the      regulations promulgated thereunder (as discussed      below).  However, any changes or adjustments to Performance      Units pursuant to this paragraph shall be made in a manner that is      intended to avoid adverse tax consequences under Section 409A of the Code.      If applicable tax and securities laws permit, the Committee may utilize      Performance Goals not listed in Section 10(a) without obtaining      stockholder approval. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e)   | Payments of Performance      Units.  Following the conclusion of each performance      period, the Committee shall determine the extent to which performance      goals have been attained for such period as well as whether the other      terms and conditions established by the Committee have been      met.  With respect to Performance Units denominated in cash, the      Committee shall determine what, if any, payment is due with respect to the      Performance Units and whether such payment shall be made in cash, in      Common Stock, or partially in cash and partially in Common      Stock.  Any payments made in Common Stock shall be calculated      based on the Fair Market Value of the Common Stock on the date of      payment.  Payments shall be made as promptly as practicable      following the end of the performance period, but no later than the date      which is two and one-half (2-1/2) months following the end of the      performance period.  With respect to Performance Units      denominated in shares of Common Stock, the Committee shall determine the      extent to which either (i) shares previously transferred to the      Participant on the date of the Award (in the form of Restricted Stock in      accordance with Section 10 below) shall be forfeited, if the relevant      performance goal is not attained or (ii) shares shall be transferred to      the Participant, if the relevant performance goal is      attained. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (f)   | Voluntary Termination and      Termination by the Company.  Unless otherwise determined      by the Committee and reflected in the applicable Award Agreement, an      employment contract or other applicable agreement between the Participant      and the Company or an Affiliate, a Participant granted a Performance Unit      who voluntarily terminates employment or whose employment is terminated      involuntarily, will forfeit all rights under such Performance Unit at the      time of such termination. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (g)   | Section 162(m)      Provisions. The Committee shall determine whether to award any      Performance Units in a manner intended to result in “qualified      performance-based compensation” within the meaning of Section 162(m) of      the Code and the regulations promulgated thereunder (a “Qualifying      Performance Unit”).  The maximum amount payable under a      Performance Unit will depend on the value of the Performance Unit;      provided, however, the maximum amount payable with respect to Qualifying      Performance Units awarded to any single Participant in any given      performance period shall be Three Million and No/100 Dollars ($3,000,000)      notwithstanding the terms of such Performance  Unit. |
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| (a)   | Administration.  Shares      of Restricted Stock may be issued either alone or in addition to other      Awards granted under the Plan.  The Committee shall determine      the Eligible Persons to whom and the time or times at which grants of      Restricted Stock will be made, the number of shares to be awarded, the      period of time during which the transfer of such shares is restricted and      all other terms and conditions of such Awards, which terms and conditions      shall not be inconsistent with the terms and conditions of the      Plan.  The Committee may also condition the grant of Restricted      Stock, and the terms and conditions applicable to such Restricted Stock,      upon the attainment of specified performance goals (as described in      Section 9(c)), or such other criteria as the Committee may determine, in      its sole discretion.  The provisions of Restricted Stock Awards      need not be the same with respect to each  Participant. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | Awards      and Certificates.  Each Award of shares of Restricted      Stock shall be evidenced by an Award Agreement (a “Restricted Stock Award      Agreement”) in a form that is not inconsistent with the Plan and that the      Committee may from time to time approve. The Committee shall determine the      methodology and procedures for recording any Restricted Stock issuances in      the name of a Participant who is awarded Restricted    Stock. |
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| (i)   | Awards      of Restricted Stock must be accepted within a period of ninety (90) days      (or such shorter period as the Committee may specify) after the award date      by executing a Restricted Stock AwardAgreement. |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c)   | Restrictions and      Conditions.  The shares of Restricted Stock awarded      pursuant to this Section 10 shall be subject to the following restrictions      and conditions: |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (i)   | Subject      to the provisions of this Plan and the Restricted Stock Award Agreements,      from the date of grant through such period as may be set by the Committee      (the “Restriction Period”), the Participant shall not be permitted to      sell, transfer, pledge or assign shares of Restricted Stock awarded under      the Plan.  The Committee may, in its sole discretion, provide      for the lapse of such restrictions in installments and may accelerate or      waive such restrictions in whole or in part based on performance and/or      such other factors as the Committee may determine, in its sole      discretion. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (ii)   | Except      as provided in subsection (c)(i) of this Section 10, the Participant shall      have, with respect to the shares of Restricted Stock, all of the rights of      a stockholder of the Company, including the right to vote and to receive      any dividends.  Dividends paid in stock of the Company or stock      received in connection with a stock split with respect to Restricted Stock      shall be subject to the same restrictions as on such Restricted      Stock.  Certificates for shares of unrestricted Common Stock      shall be delivered to the Participant after, and only after, the period of      forfeiture shall expire without forfeiture in respect of such shares of      Restricted Stock. |
|------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (iii)   | Subject      to the provisions of the Restricted Stock Award Agreement or other      applicable agreement, and this Section 10, upon termination of employment      for any reason during the Restriction Period, all shares still subject to      restriction shall be forfeited by the Participant;    provided. |
|-------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (iv)   | The      Committee may, in its sole discretion, waive in whole or in part any or      all restrictions with respect to such Participant’s shares of Restricted      Stock. |
|------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a)   | In      the case of a Stock Option, the excess of the Fair Market Value of a share      of Common Stock on the date of exercise over the option price multiplied      by the number of shares for which such Stock Option is exercised,      or |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | In      the case of a Stock Appreciation Right, Performance Unit or Restricted      Stock Award, the value of the shares and other consideration issued in      payment of such Award. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| (a)   | Governmental or Other      Regulations.  Each Award under the Plan shall be subject      to the requirement that if, at any time, the Committee shall determine      that (i) the listing, registration or qualification of the shares of      Common Stock subject or related thereto upon any securities exchange or      under any state or federal law, (ii) the consent or approval of any      government regulatory authority, or (iii) an agreement by the recipient of      an Award with respect to the disposition of shares of Common Stock, is      necessary or desirable as a condition of, or in connection with, the      granting of such Award or the issue or purchase of shares of Common Stock      thereunder, such Award may not be consummated in whole or in part unless      such listing, registration, qualification, consent, approval or agreement      shall have been effected or obtained free of any conditions not acceptable      to the Committee.  A Participant shall agree, as a condition of      receiving any Award under the Plan, to execute any documents, make any      representations, agree to restrictions on stock transferability and take      any actions which in the opinion of legal counsel to the Company is      required by any applicable law, ruling or  regulation. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | Rights of a      Stockholder.  The recipient of any Award under the Plan,      unless otherwise provided by the Plan, shall have no rights as a      stockholder with respect thereto unless and until certificates for shares      of Common Stock are issued to therecipient. |
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| (c)   | No Additional      Rights.  Nothing set forth in this Plan shall prevent the      Board from adopting other or additional compensation arrangements, subject      to stockholder approval if such approval is required; and such      arrangements may be either generally applicable or applicable only in      specific cases.  Nothing in the Plan or in any agreement entered      into pursuant to the Plan shall confer upon any Participant the right to      continue in the employment of the Company or its Affiliates, or affect any      right which the Company or such Affiliates may have to terminate the      employment of the Participant. |
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| (d)   | Withholding.  Whenever      the Company proposes or is required to issue or transfer shares of Common      Stock under the Plan, the Company shall have the right to require the      recipient to remit to the Company, or provide indemnification satisfactory      to the Company for, an amount sufficient to satisfy any federal, state or      local withholding tax requirements prior to the issuance or delivery of      any certificate or certificates for such shares.  Whenever      payments are to be made in cash, such payments shall be net of an amount      sufficient to satisfy any federal, state or local withholding tax      requirements.  In the discretion of the Committee, the Company      may allow a Participant to cause any such withholding obligation to be      satisfied by electing to have the Company withhold shares otherwise      available for delivery to the Participant; provided, however, that such      shares shall have a Fair Market Value on the date the tax is to be      determined in an amount equal to the minimum statutory total tax which      could be imposed on thetransaction. |
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| (e)   | Non-Assignability.      Unless otherwise determined by the Committee and reflected in the      applicable Award Agreement, no Award under the Plan shall be assignable or      transferable by a Participant except by will or by the laws of descent and      distribution and all Awards shall be exercisable, during the Participant’s      lifetime, only by the Participant or by the Participant’s legal guardian.      A transferee of an Award shall have only those rights that the Participant      would have had had the Award not been transferred. In addition, if the      Committee allows an Award to be transferable or assignable, such Award      shall be subject to such additional terms and conditions as the Committee      deems appropriate. |
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| (f)   | Unfunded Status of      Plan.  The Plan is intended to constitute an “unfunded”      plan for incentive and deferred compensation.  With respect to      any payments not yet made to a Participant by the Company, nothing set      forth herein shall give any such Participant any rights that are greater      than those of a general creditor of the Company.  In its sole      discretion, the Committee may authorize the creation of trusts or other      arrangements to meet the obligations created under the Plan to deliver      Common Stock or payments in lieu of or with respect to Awards hereunder;      provided, however, that the existence of such trusts or other arrangements      is consistent with the unfunded status of the  Plan. |
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| (g)   | Non-Uniform      Determination.  The Committee’s determinations under the      Plan (including, without limitation, determinations of the Eligible      Persons to receive Awards, the form, amount and timing of such Awards, the      terms and provisions of Awards and the Award Agreements, and the      establishment of values and performance targets) need not be uniform and      may be made by it selectively among Eligible Persons who receive, or are      eligible to receive, Awards under the Plan, whether or not such Eligible      Persons are similarly situated.  Notwithstanding anything      contained in the Plan, the Company may make loans to Participants in      connection with Awards under the Plan or otherwise to the extent permitted      by law. |
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| (h)   | Amendment or      Termination.  The Board may amend, modify, suspend or      terminate the Plan at any time; provided, however, that without      stockholder approval, the Board may not increase the maximum number of      shares which may be issued under the Plan (except increases pursuant to      Sections 5(c) and 13 hereof), change the class of Persons eligible to      receive Awards, extend the period specified in the Plan during which an      Award may be exercised, extend the term of the Plan or change the minimum      option price. The termination or any modification, suspension or amendment      of the Plan shall not adversely affect a Participant’s rights under an      Award previously granted without the consent of such      Participant.  The Committee may amend the terms of any Award      theretofore granted, prospectively or retroactively, but no such amendment      shall impair the rights of any Participant or permitted transferee without      his or her consent. |
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| (i)   | Use of      Proceeds.  The proceeds received by the Company from the      sale of Common Stock pursuant to the sale or exercise of Awards under the      Plan shall be added to the Company’s general funds and used for general      corporate purposes. |
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| (j)   | Section 16.  It      is intended that the Plan and any grants made to a Person subject to      Section 16 of the Act meet all of the requirements of Rule 16b-3      thereunder.  If any provision of the Plan or any Award hereunder      would disqualify the Plan or such Award, or would otherwise not comply      with Rule 16b-3, such provision or Award shall be construed or deemed      to be amended to conform toRule 16b-3. |
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| (k)   | No Restriction on Right of      Company to Effect Corporate Changes.  Nothing in the Plan      shall affect the right or power of the Company or its stockholders to make      or authorize any or all adjustments, recapitalizations, reorganizations or      other changes in the Company’s capital structure or its business, or any      merger or consolidation of the Company, or any issue of stock or of      options, warrants or rights to purchase stock or of bonds, debentures,      preferred or prior preference stocks whose rights are superior to or      affect the Common Stock or the rights thereof or which are convertible      into or exchangeable for Common Stock, or the dissolution or liquidation      of the Company, or any sale or transfer of all or any part of its assets      or business, or any other corporate act or proceeding, whether of a      similar character or otherwise. |
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| (l)   | Award Agreement. The      prospective recipient of a Stock Option Award or a Stock Appreciation      Right Award under the Plan shall not have the right to exercise any      portion of such Award, unless and until such recipient has executed an      Award Agreement evidencing the Award and has delivered a fully executed      copy thereof to the Company, and has otherwise complied with the      then-applicable terms and conditions.  The prospective recipient      of an Award under the Plan (other than a Stock Option Award or a Stock      Appreciation Right Award) shall not have any rights with respect to such      Award, unless and until such recipient has executed an Award Agreement      evidencing the Award and has delivered a fully executed copy thereof to      the Company, and has otherwise complied with the then-applicable terms and      conditions. |
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| (m)   | Construction of      Plan.  The validity, interpretation, and administration      of the Plan and of any rules, regulations, determinations, or decisions      made thereunder, and the rights of any and all Persons having or claiming      to have any interest therein or thereunder, shall be determined      exclusively in accordance with the laws of the State of      Colorado. |
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| (n)   | Duration of the      Plan.  The Plan shall remain in effect until all Awards      under the Plan have been satisfied by the issuance of shares or the      payment of cash, but no Award shall be granted more than ten (10) years      after the effective date hereof. |
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| (o)   | Section 409A of the      Code.  The Plan shall be administered, operated, and      interpreted such that all Awards granted hereunder are not considered      deferred compensation subject to Section 409A of the Code and the      Committee shall have the discretion to modify or amend any Award granted      hereunder and any Award Agreement (and may do so retroactively); provided      that any such modification or amendment is necessary to cause such Award      to be exempt from Section 409A of the Code and is not materially      prejudicial to the Company and the affected  Participant. |
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