Document:

EXHIBIT
      10.12

    

    FOREST
      PARK

    

    OFFICE
      BUILDING LEASE

    

    THIS
      LEASE is made and executed this 27th day of September, 2005, between FOREST
      PARK
      REALTY INVESTMENTS, LLC, A Colorado limited liability company (hereinafter
      referred to as "Landlord"), and Patria
      Corporation, Inc. ("Tenant").

    

    
      	 	
              1.

            	
              PREMISES:

            

    

    

    Landlord
      hereby leases to Tenant and Tenant hereby rents from Landlord those certain
      premises designated on the Plan attached hereto as Exhibit "A" (the "Premises"),
      and by this reference made a part hereof, said Premises consisting of
      approximately 1,423
      rentable
      square feet of space comprising of Suite #G-120
      in the
      building and located in the garden level of 5350 Leetsdale Drive, Denver,
      Colorado 80246, (hereinafter the "Building"), together with a non-exclusive
      license, subject to the provisions hereof, to use all appurtenances thereunto,
      including, but not limited to, plaza areas, and any other areas designated
      by
      Landlord for use by tenants of the building. (The Building, plaza areas, other
      areas and appurtenances, plus the real property on which the same is situated
      being more particularly described in Exhibit "B" attached hereto, and by this
      reference made a part hereof are hereinafter collectively sometimes called
      the
      "Building Complex.") Said letting and renting are upon and subject to the terms,
      covenants and conditions set forth herein, and Tenant covenants as a material
      part of the consideration for this Lease to keep and perform each and all of
      said terms, covenants, and conditions by it to be kept and performed, and this
      Lease is made upon the condition of such performance subject to liens,
      covenants, easements and restrictions of record.

    

    
      	 	
              2.

            	
              TERM:

            

    

    

    The
      term
      of this Lease shall commence at 12:00 Noon on November
      1, 2005
      and
      terminate at 12:00 Noon on October
      31, 2010,
      unless
      sooner terminated pursuant to this lease.

    

    
      	
            	3.	
              RENT:

            

    

    

    Subject
      to the provisions hereinafter set forth, Tenant shall pay to Landlord, as base
      rent for the term of this Lease, the sum of Eighty
      Three Thousand Two Hundred Forty five and no/100
      Dollars
      ($83,245.00)
      in coin
      or currency of United States (the "Base Rent") which sum shall be payable in
      sixty
      (60)
      monthly
      installments as follows:

    

    Year
      1
  (11/1/05
      - 10/31/06) = $10.70
      per rsf or $1,268.84/mo.

    Year
      2  (11/1/06
      - 10/31/07) = $11.20
      per rsf or $1,328.13/mo.

    Year
      3  (11/1/07
      - 10/31/08) = $11.70
      per rsf or $1,387.42/mo.

    Year
      4  (11/1/08
      - 10/31/09) = $12.20
      per rsf or $1,446.71/mo.

    Year
      5  (11/1/09
      - 10/31/10) = $12.70
      per rsf or $1,506.00/mo.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    Rent
      for
      the first three months (November 2005 through January 2006) in the amount of
      $3,806.52 shall be payable at the time this lease is executed. Thereafter,
      regular rent payments shall continue as of February 1, 2006, plus any excise,
      privilege, gross receipts or sales tax levied on the rentals or the receipt
      thereof by Landlord. If Tenant takes possession not on the first day of the
      month, then the installments of the Base Rent for the first and last months
      of
      the term hereof shall be prorated based upon the number of days during each
      of
      said months that the Lease terms are in effect. All other installments of the
      Base Rent shall be payable on the first day of each calendar month during the
      term hereof. All Base Rent or other rentals or sums due hereunder shall be
      paid
      in advance without deduction or offset at the office of Landlord or to such
      other person or at such other place as Landlord may designate in writing. In
      the
      event that the Base Rents due Landlord are paid later than the fifth day of
      the
      month when due, a late fee of ten percent (10%) of the installment due shall
      be
      due and payable by Tenant as additional rent. The parties agree that calculation
      of the exact costs Landlord will incur if Tenant makes late payments would
      be
      difficult to determine, but will include processing and accounting charges
      and
      late charges which may be imposed upon Landlord under the terms of any mortgage
      or deed of trust constituting a lien on the Premises. The parties agree that
      the
      late fee provided herein is a fair and reasonable estimate of the costs Landlord
      will incur.

     

    

    If
      any
      rents or other amounts owing under this Lease are not paid within twenty (20)
      days after they are due, such amounts shall bear interest at the rate of
      eighteen percent (18%) per annum from the due date of such payment, until
      received by Landlord. Similarly, any amounts paid by Landlord to cure any
      defaults of Tenant under this Lease, which Landlord shall have the right, but
      not the obligation to do, shall, if not repaid by Tenant within ten (10) days
      or
      demand by Landlord thereafter bear interest at the above rate until received
      by
      Landlord.

    

    
      	 	
              4.

            	
              OPERATING
                EXPENSE AND TAX
                ADJUSTMENTS:

            

    

    

    It
      is
      hereby agreed that during each calendar year of the term hereof, Tenant shall
      pay to Landlord Tenant's Prorata Share of the amount of the increase in the
      Operating Expenses and Real Estate Taxes for the immediately preceding calendar
      year over Tenant's Prorata Share of the Base Operating Expenses and Base Real
      Estate Taxes (as herein below defined). It is hereby agreed that the
      determination of increase in Operating Expenses shall be segregated from the
      determination of increase of Real Estate Taxes, and one shall not be netted
      against the other.

    

    A. Tenant's
      Prorata Share:
      Based on
      the premises occupied by Tenant, "Tenant's Prorata Share" shall be equal to
      1.29
      percent
      (1.29%) of the rentable space in the property. At such time, if ever, any space
      is added to the Lease as hereinbelow provided, Tenant's Prorata Share shall
      be
      increased accordingly.

    

    B. Operating
      Expenses and Real Estate Taxes:
      The
      Landlord herewith agrees to expend as its share of Operating Expenses paid
      for
      and sustained by the Landlord during any calendar year an amount not greater
      than the actual expenses in the year 2005, said amount being referred to as
      the
      Base Operating Expenses. This amount shall constitute the maximum payable by
      the
      Landlord as its contribution toward Operating Expenses.

     

    
      
        
        

      

      
        -2-

        
          

        

      

      
        
        

      

    

    

    "Operating
      Expenses" shall mean all operating expenses of any kind or nature with respect
      to the Building Complex and shall include, but not be limited to, the cost
      of
      building supplies; costs incurred in connection with all energy sources for
      the
      Building such as propane, butane, natural gas, steam, electricity, solar energy
      and fuel oil; the costs of water and sewer service, janitorial services, general
      maintenance and repair of the Building Complex, including the heating and air
      conditioning systems and structural components of the Building (as used in
      the
      Lease, "Structural Components" shall mean and include: the structural members
      of
      the Building, all mechanical, electrical, plumbing, heating, and air
      conditioning systems; and elevators); snow removal, trash collection,
      landscaping, maintenance, repair and striping of all parking areas used by
      tenants of the Building; insurance, including fire and extended coverage and
      public liability insurance and any rental insurance and all risk insurance
      (should Landlord decide to carry the same)(but Tenant shall have no interest
      in
      such insurance or the proceeds thereof); labor costs incurred in the operating
      and maintenance of the Building Complex, including wages and other payments;
      costs to Landlord for workmen's compensation and disability insurance, payroll
      taxes and welfare fringe benefits; professional building management fees, legal
      accounting, inspection and consultation fees incurred in connection with the
      Building Complex; any expense attributable to costs incurred by Landlord for
      any
      capital improvements or Structural Component repairs to the Building Complex
      required by any change in the laws, ordinances, rules, regulations or otherwise
      which were not in effect on the date Landlord obtained its building permit
      to
      construct the Building Complex required by any governmental or
      quasi-governmental authority having jurisdiction over the Building Complex,
      which costs shall be amortized over the useful life of the capital improvement
      or Structural Component repaired; capital expenditures or repairs of an energy,
      conservation or security nature, or to accommodate the Americans with
      Disabilities legislation or any expense required by any change in laws, rules,
      regulations, orders or any other governmental or quasi-governmental authority
      having jurisdiction, in which case such expenditures shall be amortized over
      the
      life of the improvements; and any costs incurred by Landlord in making capital
      improvements or other modification to the Building Complex or any part thereof
      which reduces the Operating expenses, which costs shall be amortized over the
      useful life of such improvement or modification; provided, however, the annual
      amortization amount shall not exceed the reduction in Operating Expenses as
      projected by Landlord's accountant for the relevant year, and the amortization
      schedule shall be extended accordingly, if necessary. If the Building is not
      fully occupied during any calendar year, the Operating Expenses for the year
      in
      question shall be adjusted to reflect a ninety-five percent (95%) occupancy
      of
      the Building. Operating Expenses shall expressly exclude costs of maintenance
      and repair reimbursed by insurance proceeds, alterations or other specific
      costs
      attributable solely to other tenants' space in the Building and billed to such
      tenants, leasing commissions, advertising expenses and other costs incurred
      in
      leasing space in the Building, and any interest on borrowed money or debt
      amortization.

    

    Operating
      Expenses shall expressly exclude costs of maintenance and repair reimbursed
      by
      insurance proceeds, alterations or other specific costs attributable solely
      to
      other tenants’ space in the Building Complex, leasing commissions, marketing
      costs, advertising expenses and other costs incurred in leasing space in the
      Complex, depreciation, amortization, any interest on borrowed money or
      debt.

     

    
      
        
        

      

      
        -3-

        
          

        

      

      
        
        

      

    

    

    "Real
      Estate Taxes" shall include: (a) any form of assessment (including any so-called
      "special" assessment), license fee, license tax, business license fee, business
      license tax, commercial rental tax, levy, charge, penalty or tax, imposed by
      any
      authority having the direct power to tax, including any city, county, state
      or
      federal government, or any school, agricultural, lighting, water, drainage
      or
      other improvement or special district thereof, against the Premises, the
      Building or Building Complex, or any legal or equitable interest of Landlord
      therein; (b) any tax on Landlord's right to rent the Premises or against
      Landlord's business of leasing the Premises; and (c) any assessment, tax, fee,
      levy or charge in substitution, partially or totally, of or in addition to
      any
      assessment, tax, fee, levy or charge previously included within the definition
      of Real Estate Taxes which may be imposed by governmental agencies for such
      services as fire protection, street, sidewalk and road maintenance, refuse
      removal and for other governmental services formerly provided without charge
      to
      property owners of occupants. It is the intention of Landlord and Tenant that
      all such new and increased assessments, taxes, fees, levies and charges be
      included within the definition of Real Estate Taxes for purposes of this Lease.
      The following shall also be included within the Lease; provided, however, that
      Tenant shall pay Landlord the entire amount thereof: (i) any tax allocable
      to or
      measured by the area of the Premises or the rental payable hereunder, including
      without limitation, any gross income, privilege, sales or excise tax levied
      by
      the State, any political subdivision thereof, city, municipal or federal
      government, with respect to the receipt of such rental, or upon or with respect
      to the possession, leasing, operating, management, maintenance, alteration,
      repair use or occupancy by Tenant of the premises or any portion thereof, and
      (ii) any tax upon this transaction or any document to which Tenant is a party,
      creating or transferring an interest or an estate in the Premises. "Real Estate
      Taxes" shall not include Landlord's federal or state income, franchise,
      inheritance or estate taxes.

    

    C. Adjustment
      Mechanism -- Operating Expenses and Real Estate Taxes:
      Within
      ninety (90) days after the end of each calendar year, or as close to such date
      as possible, the Landlord shall furnish the Tenant in writing with a comparative
      statement showing the calculations described in this Section 4 above and state
      the increases, if any, in operating expenses for the then current year.
      Commencing with the next month following such statement, the Tenant shall pay
      the Landlord a lump sum equal to one-twelfth (1/12th) of the annual increase
      for
      each month of the immediate preceding calendar year and for each month of the
      current calendar year which has passed since the Commencement Date of this
      Lease. With the same payment, the Tenant shall commence payment to the landlord
      of one-twelfth (1/12th) of the annual increase by adding that amount to the
      regular monthly rent installments. The increased monthly rent installments
      shall
      continue until the Landlord gives the Tenant the next written notice calculating
      any additional rent increases for future calendar years upon which the same
      procedures for payment shall apply. If the total additional rent payments by
      the
      Tenant to the landlord for any further calendar years are found at year end
      to
      vary from the actual additional rents due for that year, the Tenant shall pay
      the Landlord any deficiency as additional rent upon notice of the actual amount,
      and the Landlord shall credit any excess to the next succeeding additional
      rent
      installments becoming due. Any such excess in the least year of the Lease will
      be refunded by the Landlord to the Tenant within sixty (60) days after the
      expiration of the Lease, but only if the Tenant is not in default and has
      vacated the Premises.

     

    
      
        
        

      

      
        -4-

        
          

        

      

      
        
        

      

    

    

    Even
      though the term of this Lease has expired and the Tenant has vacated the
      Premises, when the final determination is made of the Tenant's share of
      Operating Expenses and/or Real Estate Taxes for the year in which this Lease
      terminates, within sixty (60) days the Tenant shall pay any increase due over
      the estimated Operating Expenses and Taxes and conversely, within sixty (60)
      days the Tenant shall be rebated any overpayment due under the estimated
      Operating Expenses and Taxes.

    

    Notwithstanding
      anything contained within this Section to the contrary, Tenant shall not be
      relieved of its obligation to pay to Landlord any amount due pursuant to this
      Section 4 should Landlord fail, for any reason, to provide its comparative
      statement within the time provided for hereinabove.

    

    Notwithstanding
      anything contained in this Section 4, the rental payable by the Tenant shall
      in
      no event be less than the rental specified in Section 3 hereof.

    

    
      	
            	5.	
              CHARACTER
                OF OCCUPANCY:

            

    

    

    The
      Premises are to be used for general offices of a financial institution with
      a
      depository operation (including by way of example and not by way of limitation,
      legal offices and all accounting, billing and administrative tasks associated
      therein) and for no other purpose without the prior written consent of Landlord,
      which consent will not be unreasonably withheld.

    

    Further,
      Tenant shall not use or permit the Premises to be used for any ultra hazardous
      purpose which will increase the existing rate of insurance upon the Building
      or
      the Building Complex, pursuant to insurance regulations of the Colorado State
      Insurance Commissioner, or result in a cancellation of any insurance policy
      covering the building, the Building Complex, or any part thereof, pursuant
      to
      generally accepted insurance industry underwriting procedures; provided,
      however, that if such use is necessary to Tenant's business, Tenant may use
      the
      Premises for such ultra hazardous purpose if Tenant makes arrangements for
      alternative insurance upon the Building and/or the Building Complex equivalent
      to Landlord's existing insurance and Tenant pays all insurance premiums in
      excess of those which would have been due by Landlord under Landlord's
      equivalent alternative insurance. Tenant shall not use any apparatus, machinery
      or device in or about the Premises which shall make any noise or set up any
      vibration, with the exception of security systems, mailing equipment, standard
      depository institution equipment and computers, which will materially disturb
      other tenants. Other than standard office and financial institution equipment
      (including computer equipment), Tenant shall not in any way increase the amount
      of electricity, gas or water agreed to be furnished or supplied under this
      Lease; and Tenant further agrees not to connect with electrical wires or water
      pipes any other apparatus, machinery or device without prior consent of Landlord
      which consent shall not be unreasonably withheld. Tenant shall not commit waste
      nor suffer or permit waste to be committed nor permit any nuisance in or about
      the Premises.

    

    Tenant
      and employees and all persons visiting or doing business with the Tenant in
      the
      Leased Premises shall be bound by and shall observe the Rules and Regulations
      attached to this Lease as Exhibit "C". Landlord may propose and submit to Tenant
      for Tenant's approval such further and other reasonable written rules and
      regulations relating to the Building Complex or the Leased Premises which
      Landlord shall deem appropriate. Such proposed rules and regulations shall
      become effective upon approval by Tenant, which approval shall not be
      unreasonably withheld for a period in excess of thirty (30) days of receiving
      written notice from Landlord of such proposed rules or regulations, giving
      Landlord a written explanation of the basis for Tenant's disapproval. Any such
      additional rules and regulations shall, upon approval by Tenant, be deemed
      to be
      incorporated and formed into this Lease. Any uncured default in the performance
      or observance of the rules and regulations shall be in default hereunder and
      Landlord shall have all remedies provided for in this Lease in the event of
      default by Tenant. Landlord, however, shall not be responsible to Tenant for
      non-observance by any other tenant or person of any such rules and regulations;
      provided, however, that Landlord has and continues to make reasonable efforts
      to
      obtain compliance with such rules and regulations by all other
      tenants.

     

    
      
        
        

      

      
        -5-

        
          

        

      

      
        
        

      

    

    

    Tenant
      shall not use the Premises or permit anything to be done in or about the
      Premises which will, in any way, conflict with any law, statute, ordinance
      or
      governmental rule or regulation now in force or which may hereafter be enacted
      or promulgated.

     

    
      	 	
              6.

            	
              SERVICE
                AND UTILITIES:

            

    

    

    Landlord
      agrees, without charge, except as provided herein, and in accordance with
      standards from time to time prevailing for office buildings in the Metro Denver,
      Colorado area, to use reasonable efforts to furnish water to the Building for
      use in lavatories and drinking fountains (and to the Premises if the plans
      for
      the Premises so provide); to furnish heated or cooled air to the Premises as,
      in
      the judgment of Landlord, may be reasonably required for the comfortable use
      and
      occupancy of the Premises during ordinary business hours (7:00 A.M. to 6:00
      P.M.
      Monday through Friday and 7:00 A.M. to 12:00 Noon Saturday, excluding legal
      holidays); to provide janitorial services for the Premises (except such
      janitorial services as Tenant may elect to supply directly), such janitorial
      services to be provided five (5) times a week, excluding legal holidays; and
      during ordinary business hours to furnish electric current for lighting the
      Premises and public halls. Such janitorial services shall not include an
      obligation by Landlord to provide for the cleaning of private bathrooms nor
      require shampooing of Tenant's floor coverings or cleaning Tenant's draperies
      or
      other improvements which are not defined as building standard. In regard to
      electricity, it is understood that Tenant shall use such electric current only
      for building standard lighting, desktop computers and servers, copiers,
      scanners, facsimiles, modems, and equipment typically used in a depository
      institution, which shall not at any time exceed the capacity of the standard
      watts per square foot guideline established for landlord by its electrical
      consultants, and to the extent that electric current is used for any other
      purpose, including computer areas, Tenant's rent may be increased from time
      to
      time by Landlord in such amounts as Landlord reasonably determines to cover
      the
      actual costs of such increased use. If Tenant shall require water, electric
      current, heat or air conditioning in excess of that usually furnished or
      supplied for use of the Premises as general office space, as determined solely
      by Landlord, Tenant shall first procure the consent of Landlord for the use
      thereof, which consent shall not be unreasonably withheld. Tenant agrees to
      pay
      to Landlord such amounts as Landlord reasonably determines are necessary to
      cover the actual costs of such increased use. In the event of excessive water
      or
      electric use by Tenant, Landlord may, at its option and at Tenant's expense,
      require a water meter or electric current meter to be installed in the premises
      to assist Landlord in determining the amount by which Tenant's rent should
      be
      increased. The cost of such meters and installation, maintenance and repair
      thereof shall be paid for by tenant. Such increases shall be paid monthly.
      Tenant may request Landlord to furnish utilities and services for use by Tenant,
      it customers and employees during times other than normal business hours.
      Landlord shall not unreasonably withhold approval of the request, provided
      Tenant shall pay as additional rent the actual cost of such utilities and
      services and shall comply with Landlord's Rules and Regulations with respect
      to
      use of the utilities and services during extended hours.

     

    
      
        
        

      

      
        -6-

        
          

        

      

      
        
        

      

    

    

    Wherever
      machines or equipment which generate heat either as a prime purpose or as an
      incidental effect are used by Tenant in the Premises which affect the
      temperature otherwise maintained by the air conditioning system, Landlord
      reserves the right to install supplementary air conditioning units in the
      Premises, and the cost therefor, including the cost of installation, operating
      and maintenance thereof shall be paid by Tenant to Landlord upon demand by
      Landlord.

    

    Tenant
      agrees that Landlord shall not be liable for failure to supply any such heating,
      air conditioning, elevator, electrical, janitorial, lighting or other services
      during any period when Landlord uses reasonable diligence to supply such
      services, or during any period Landlord is required to reduce or curtail such
      services pursuant to any applicable laws, rules or regulations nor or hereafter
      in force or effect, it being understood that Landlord may discontinue, reduce
      or
      curtail such services, or any of them (either temporarily or permanently),
      at
      such times as it may be necessary by reason of accident, unavailability of
      employees or materials at reasonable cost, repairs, alterations, improvements,
      strikes, lockouts, riots, acts of God, application of applicable laws, statutes,
      rules and regulations, governmental or utility moratoriums, or curtailments,
      or
      due to any other happening beyond the control of Landlord. In the event of
      any
      such interruption, reduction or discontinuance of Landlord's services (either
      temporary or permanent), Landlord shall not be liable for damages to persons
      or
      property as a result thereof, nor shall the occurrence of any such event in
      any
      way be construed as an eviction of Tenant, or cause or permit an abatement,
      reduction or setoff of rent, or operate to release Tenant from any of Tenant's
      obligations hereunder.

    

    Prior
      to
      delinquency, Tenant shall pay for all telephone, cable and data/ communication
      service, and all other materials and services not expressly required to be
      paid
      by Landlord which may be furnished to or used by Tenant in, on or about the
      Premises during the term of this Lease.

    

    7.    QUIET
      ENJOYMENT:

    

    Subject
      to the liens and the burdens of record, Landlord agrees to warrant and defend
      Tenant in the quiet enjoyment and possession of the Premises during the term
      of
      this Lease so long as Tenant complies with the provisions hereof.

     

    
      
        
        

      

      
        -7-

        
          

        

      

      
        
        

      

    

    

    
      	 	
              8.

            	
              MAINTENANCE,
                REPAIRS, ALTERATIONS AND
                ADDITIONS

            

    

    

    A.
      Maintenance
      and Repairs:
      Landlord shall maintain in good order, condition and repair the external and
      structural parts of the Building, heating, ventilating, air conditioning,
      plumbing, sewer and electrical systems of the Building and all other portions
      of
      the Building Complex not the obligation of Tenant or any other tenant in the
      Building; provided, however, that Landlord shall not be liable for any damages
      direct, indirect or consequential, or for damages for personal discomfort,
      illness or inconvenience of the Tenant, or the Tenant's employees, invitees
      or
      other persons by reason of failures of such equipment, facilities or systems
      or
      reasonable delays in the performance of such repairs, replacements and
      maintenance, unless caused by the gross negligence of the Landlord, its
      servants, agents or employees.

    

    Tenant,
      at Tenant's sole cost and expense, except for services furnished by Landlord
      pursuant to Section 6 hereof, shall maintain the Premises in good order,
      condition and repair including the interior surfaces of the ceilings, walls
      and
      floors, all doors, interior windows, all plumbing pipes, electrical wiring,
      switches, fixtures and special items in excess of building standard furnishings
      and equipment installed by or at the expense of Tenant. Tenant expressly waives
      the benefits of any statute, ordinances or other rule of law now or hereafter
      in
      effect which would otherwise afford Tenant the right to make repairs at
      Landlord's expense or to terminate this Lease because of landlord's failure
      to
      keep the Premises in good order, condition and repair.

    

    In
      the
      event Tenant fails to maintain the Premises in good order, condition and repair,
      Landlord shall give Tenant notice to do such acts as are reasonably required
      to
      so maintain the Premises. In the event Tenant fails to promptly commence, upon
      demand by Landlord, such work and diligently prosecute it to completion, then
      landlord shall have the right, but shall not be required, after reasonable
      notice, except in the case of emergency, to do such acts and expend such funds
      as are reasonably required to perform such work. Landlord shall have no
      liability to Tenant for any damage, inconvenience or interference with the
      use
      of the Premises by Tenant as a result of performing any such work. Tenant shall
      pay to Landlord on demand the cost of such work plus fifteen percent
      (15%).

    

    Tenant
      shall pay on demand the cost of replacement of any glass broken on the Leased
      Premises by virtue of the negligence of the Tenant, its employees or invitees,
      including outside windows and doors on the perimeter of the Leased Premises
      during the continuance of this Lease, unless the glass shall be broken by
      Landlord, its employees or agents.

    

    Landlord
      and Tenant shall each do all acts required to comply with all applicable laws,
      ordinances, regulations and rules of any public authority relating to their
      respective maintenance obligations as set forth herein.

    

    B.
      Alterations
      and Additions:
      Tenant
      shall make no alterations, additions or improvements to the Premises or any
      part
      thereof without obtaining the prior written consent of Landlord, which consent
      shall not be withheld if the alterations, additions or improvements are of
      a
      non-structural, non-electrical, or non-mechanical nature or cost less than
      $25,000; provided, however, that all alterations, additions or improvements
      are
      of a quality which equal or exceed the then current building standard and
      further provided that Tenant must notify Landlord of the work to be done in
      advance thereof. Except for the foregoing, Landlord's consent cannot be withheld
      for any reason. Landlord may impose, as a condition to the aforesaid consent,
      such requirements as Landlord may deem necessary in its reasonable discretion,
      including without limitation thereof, the manner in which the work is done,
      a
      right to require Tenant to use Landlord's contractor or a right of approval
      of
      the contractor by whom the work is to be performed, the times during which
      the
      work is to be accomplished, the right to require Tenant to provide Landlord
      with
      plans and specifications in regard to the work, and the right to require Tenant
      to pay Landlord for the cost of reviewing such plans, not to exceed $500 per
      review.

     

    
      
        
        

      

      
        -8-

        
          

        

      

      
        
        

      

    

    

    All
      alterations and additions to the Premises including, by way of illustration
      but
      not by limitation, all partitions, paneling, carpeting, drapes or other window
      coverings and light fixtures (but not including movable office furniture not
      attached to the Building) shall be deemed a part of the real estate and the
      property of Landlord and shall remain upon and be surrendered with the Premises
      as part thereof without molestation, disturbance or injury at the end of said
      term, whether by lapse of time or otherwise, unless Landlord, by notice given
      to
      Tenant no later than thirty (30) days prior to the end of the term, shall elect
      to have Tenant remove all or any of such alterations or additions (which are
      not
      included as Building Standard Improvements) and in such event, Tenant shall
      promptly remove, at its sole cost and expense, such alterations and additions
      and restore the Premises to the condition in which the Premises were prior
      to
      the making of the same, reasonable wear and tear excepted. Notwithstanding
      the
      foregoing, Tenant shall not be required to remove or restore those improvements
      made at the commencement of this Lease and Tenant’s initial improvements made in
      the first year of the Lease term.

    

    If
      Landlord authorizes persons requested by Tenant to perform any alterations,
      repairs, modifications or additions to the Premises, prior to the commencement
      of any such work, Tenant shall on request deliver to Landlord such payment
      and
      performance bonds or other security which Landlord may require, and certificates
      issued by insurance companies qualified to do business in the State of Colorado,
      evidencing that workmen's compensation, public liability insurance and property
      damage insurance, all in amounts, with companies and on forms satisfactory
      to
      Landlord, are in force and effect and maintained by all contractors and
      subcontractors engaged by Tenant to perform such work. All such policies shall
      name Landlord as an additional insured. Each such certificate shall provide
      that
      the same may not be canceled or modified without thirty (30) days prior written
      notice to Landlord. Further, Tenant shall permit Landlord to post the Premises
      so that Landlord may avail itself of the provisions of the Colorado Mechanic's
      Lien Law, and shall comply with all requirements related to prevention of
      mechanic’s liens as stated in Section 10 hereafter.

    

    C.
      Miscellaneous:
      Landlord may, but shall not be obligated to make, any improvements to or repairs
      of any kind or character on the Premises during the term of this Lease, except
      such repairs as may be necessary for normal maintenance operations.
      Notwithstanding the foregoing, Landlord shall repair and maintain the structural
      portions of the Building, including the basic plumbing, air conditioning,
      heating, electrical systems, and elevator systems installed by Landlord, unless
      the conditions requiring such maintenance and repairs is caused in part or
      in
      whole by the act, neglect, fault or omission of any duty by the Tenant, its
      agents, servants, employees or invitees, in which case Tenant shall pay Landlord
      the cost of such maintenance and repairs plus an additional charge of fifteen
      percent (15%) to cover Landlord's overhead, which work shall be performed by
      Landlord and/or its contractors.

     

    
      
        
        

      

      
        -9-

        
          

        

      

      
        
        

      

    

    

    9.    ENTRY
      BY LANDLORD.

    

    Landlord
      and its agents shall have the right to enter the Premises during normal business
      hours (subject, however, to Tenant’s reasonable security requirements which may
      prohibit access except when accompanied by Tenant’s authorized security
      personnel) for the purpose of examining or inspecting the same, to supply
      janitorial services and any other services to be provided by Landlord or Tenant
      hereunder, to obtain access to under-floor ducts, utility access panels, and
      mechanical shafts (which Tenant agrees not to obstruct), to check, calibrate,
      adjust, and balance controls and other parts of the heating, ventilating, and
      climate control system, to show the same to prospective purchasers or tenants
      of
      the Building, and to make such alterations, repairs, improvements or additions
      to the Premises or to the Building of which they are a part as Landlord may
      deem
      necessary or desirable. Landlord shall not be liable to Tenant or be obligated
      to compensate Tenant for any inconvenience which Tenant may experience as a
      result of such entry. In the event of an emergency, if Tenant shall not be
      personally present to open and permit an entry into the Premises at any time
      when such entry by Landlord is necessary or permitted hereunder, Landlord may
      enter by means of a master key without liability to Tenant except for any
      failure to exercise due care for Tenant's property, and without affecting this
      Lease. If, during the last month of the term hereof, Tenant shall have removed
      substantially all of its property therefrom, Landlord may immediately enter
      and
      alter, renovate and redecorate the Premises without elimination or abatement
      of
      rent or incurring liability to Tenant for any compensation. Such entry shall
      not
      be construed as a manifestation by the Landlord of an intent to terminate this
      Lease Agreement. Landlord, during the entire term of this Lease, shall have
      the
      right, upon ninety (90) days' prior written notice to Tenant, to change the
      number, designation or name of the Building without liability to Tenant. Tenant
      shall not, without the prior consent of landlord, change the locks or install
      additional locks on any entry door or doors to the Premises. Tenant shall permit
      Landlord or its agents to exhibit and show the Premises to prospective tenants
      during ordinary business hours during the last six (6) months of the term of
      this Lease or any renewal thereof.

    

    10.    MECHANIC'S
      LIENS:

    

    Tenant
      shall pay or cause to be paid all costs for work done by Tenant or caused to
      be
      done by Tenant on the Premises of a character which will or may result in liens
      on Landlord's interest therein, and Tenant will keep the Premises and Building
      Complex free and clear of all mechanic's liens and other liens on account of
      work done or claimed to have been done for Tenant or persons claiming under
      it.
      Tenant hereby agrees to indemnify, defend and save Landlord harmless of and
      from
      all liability, loss, damage, costs or expenses, including attorneys' fees,
      and
      interest incurred on account of any claims of any nature whatsoever, including
      claims on lien of laborers, materialmen or others for work actually or allegedly
      performed for, or materials or supplies actually or allegedly furnished to,
      Tenant or persons claiming under Tenant. Should any liens be filed or recorded
      against the Premises or any portion of the Building Complex or any action
      affecting the title thereof be commenced, Tenant shall cause such liens to
      be
      removed of record within five (5) days after notice from Landlord. If Tenant
      desires to contest any claim of lien, it shall furnish Landlord with security
      adequate to the Landlord [which shall equal at least one hundred fifty percent
      (150%) of the amount of the claim], plus estimated costs and interest; and
      if a
      final judgment establishing the validity or existence of any lien for any amount
      is entered, and if Tenant shall be in default in paying any charge for which
      a
      mechanic's lien or suit to foreclose a lien has been recorded or filed, and
      shall not have given Landlord security as aforesaid, then Landlord may (but
      without being required to do so) pay such lien or claim and any costs, and
      the
      amount so paid, together with reasonable attorneys' fees incurred in connection
      therewith, shall be immediately due from Tenant to Landlord. Landlord shall
      have
      the right at all times to post and keep posted on the Premises any notices
      permitted or required by law which Landlord shall deem proper for the protection
      of Landlord and the Premises, or any other party having an interest therein,
      from mechanic's and materialmen's liens. Tenant shall give written notice to
      Landlord at least thirty (30) days prior to the commencement of any work
      relating to alterations or additions to the Premises, and if requested by
      Landlord, provide partial lien waivers relating to the work to be performed
      as
      and when the work is performed.

     

    
      
        
        

      

      
        -10-

        
          

        

      

      
        
        

      

    

    

    
      	 	
              11.

            	
              DAMAGE
                to PROPERTY, INJURY to PERSONS, and TENANT'S
                INSURANCE:

            

    

    

    Tenant,
      as a material part of the consideration to be rendered to Landlord under this
      Lease, hereby waives all claims of liability Tenant or Tenant's successors
      or
      assigns may have against Landlord, and Tenant hereby indemnifies and agrees
      to
      hold Landlord harmless from and to defend Landlord against any and all claims
      of
      liability for any injury (including death) or damage to any person or property
      whatsoever: (1) occurring in, on or about the Premises or any part thereof;
      and/or (2) occurring in, on or about the Building Complex, to the extent such
      injury or damage is caused in part or in whole by the act, neglect, fault or
      omission to act on the part of Tenant, its agents, contractors, employees,
      or
      invitees. Tenant further indemnifies and agrees to hold Landlord harmless from
      and against any and all claims arising from any breach or default in the
      performance of any obligation on Tenant's part to be performed under the terms
      of this Lease, or arising from any act or negligence of Tenant, or any of its
      agents contractors, employees or invitees from and against all costs, attorney's
      fees, expenses and liabilities incurred in or about any such claim or any action
      or proceeding brought thereon. Landlord shall not be liable to Tenant for any
      damage by or from any act or negligence of any co-tenant or other occupant
      of
      the building, or by any owner or occupant of adjoining or contiguous property.
      Tenant agrees to pay for all damage to the Building Complex, as well as all
      damage to tenants or occupants thereof, caused by Tenant's misuse or neglect
      of
      the Premises or any portion of the Building Complex. If Tenant shall obtain
      risk
      insurance on any of its property, such insurance shall permit Tenant to waive
      any rights of subrogation and Tenant hereby waves such rights.

     

    Neither
      Landlord nor its agents shall be liable for any damage to property entrusted
      to
      Landlord, its agents or employees of the building manager, if any, nor for
      the
      loss or damage to any property by theft or otherwise, by any means whatsoever,
      nor for any injury (including death) or damage to persons or property resulting
      from fire, explosion, falling plaster, steam, gas, electricity, smoke, hail,
      snow, lightning, earthquake, war, water or rain which may leak from any part
      of
      the Building or from the pipes, appliances or plumbing works therein or from
      the
      roof, street or subsurface or from any other place or resulting from dampness
      or
      any other cause whatsoever; provided, however, nothing contained herein shall
      be
      construed to relieve the Landlord from liability for any personal injury
      resulting from its gross negligence or that of its agents, servants or
      employees. Landlord or its agents shall not be liable for interference with
      the
      lights, view or other incorporated hereditaments. Tenant shall give prompt
      notice to Landlord in case of fire or accidents in the Premises or in the
      Building or of defects therein or in the fixtures or equipment.

     

    
      
        
        

      

      
        -11-

        
          

        

      

      
        
        

      

    

    

    In
      case
      any action or proceeding is brought against Landlord by reason of any obligation
      on Tenant's part to be performed under the terms of this Lease, or arising
      from
      any act or negligence of Tenant, or of its agents or employees, Tenant, upon
      notice from Landlord, shall defend the same at Tenant's expense by counsel
      reasonably satisfactory to Landlord. Landlord shall bear all costs associated
      with the defense of any claims to the extent such claims arise from the
      negligence, fault or neglect of Landlord.

    

    Tenant
      agrees to carry and maintain, for the mutual benefit of Landlord and Tenant,
      with Landlord named as an additional insured, during the term of this Lease
      and
      any extension hereof:

    

    A. General
      Public liability insurance against claims for personal injury, sickness or
      disease, including death and property damage in or about the Premises, such
      insurance to afford protection to the limit of not less than $1,000,000.00
      in
      respect to each person, and to the limit of not less than $1,000,000.00 in
      respect to any one occurrence causing bodily injury or death, and to the limit
      of not less than $300,000.00 in respect to property damage.

    

    B. Casualty
      insurance, including extended coverage, sprinkler leakage, and coverage for
      fire
      and smoke damage on all of Tenant's leasehold improvements and personal property
      in or about the Premises or Building, in an amount of not less than ninety
      percent (90%) of the replacement cost. Any proceeds shall be used for the repair
      or replacement of leasehold improvements damaged or destroyed during the term
      of
      this Lease.

    

    C. Workmen's
      compensation insurance insuring Tenant from all claims for personal injury
      and
      death in such amounts as may, from time to time, be sufficient to pay the
      maximum accumulated award allowed by Colorado law.

    

    All
      such
      insurance shall be procured from a responsible insurance company or companies
      authorized to do business in Colorado and otherwise satisfactory to Landlord.
      All such policies shall provide that the same may not be canceled or altered
      except upon thirty (30) days prior written notice to Landlord. Tenant shall
      deliver to Landlord, ten (10) days prior to taking occupancy of the Premises,
      copies of policies or certificates evidencing the existence and amount of such
      insurance with loss payable clauses satisfactory to Landlord. If Tenant fails
      to
      obtain and maintain said insurance, Landlord shall have the right (but not
      the
      obligation) to effect such insurance at the expense of Tenant as additional
      rent. Such payment shall be due with the next monthly rental
      payment.

     

    
      
        
        

      

      
        -12-

        
          

        

      

      
        
        

      

    

    

    12.    DAMAGE
      OR DESTRUCTION TO BUILDING:

    

    In
      the
      event the Premises or the Building is damaged by fire or other insured casualty,
      and the insurance proceeds in an amount sufficient to repair the damages have
      been made available therefor by the holder or holders of any mortgages or deeds
      of trust covering the Building, the damage shall be repaired by and at the
      expense of Landlord to the extent of such insurance proceeds available therefor,
      provided such repairs and restoration can, in Landlord's sole opinion, be made
      within one hundred twenty (120) days after the occurrence of such damage without
      the payment of overtime or other premiums; and until such repairs and
      restoration are completed, the rent shall be abated in proportion to the part
      of
      the Premises which is unusable by Tenant in the conduct of its business. [But
      there shall be no abatement of rent by reason of any portion of the Premises
      being unusable for a period equal to three (3) days or less.] If the damage
      is
      due to the fault or neglect of Tenant or its employees, agents or invitees,
      there shall be no abatement of rent.

    

    Landlord
      agrees to notify Tenant within sixty (60) days after such casualty of its
      estimates that it will be unable to repair and restore the Premises within
      said
      one hundred twenty (120) day period. Such notice will set forth the approximate
      length of time Landlord estimates will be required to complete such repairs
      and
      restoration. Notwithstanding anything to the contrary contained herein, if
      Landlord cannot make such repairs and restoration within said one hundred twenty
      (120) day period, then either party may, by written notice to the other, cancel
      this Lease as of the date of occurrence of such damage, provided such notice
      is
      given to the other party within fifteen (15) days after Landlord notifies Tenant
      of the estimated time for completion of such repairs and restoration. However,
      even if repairs and restoration cannot, in Landlord's sole opinion, be made
      within said one hundred twenty (120) days, Landlord may, at its option, elect
      to
      make such repairs and restoration within a reasonable time, and in such event,
      provided no notice has been given by Tenant evidencing its intent to terminate
      this Lease, this Lease shall continue in effect and the rent shall be
      apportioned in the manner provided above.

    

    Except
      as
      provided in Section 12, there shall be no abatement of rent and no liability
      of
      Landlord by reason of any injury to or interference with Tenant's business
      or
      property arising from the making of any repairs, alterations or improvements
      in
      or to the fixtures, appurtenances and equipment therein. Tenant understands
      the
      Landlord will not carry insurance of any kind on Tenant's furniture and
      furnishings or on any fixtures or equipment removable by Tenant under the
      provisions of this Lease, and that Landlord shall not be obligated to repair
      any
      damage thereto or replace the same. Landlord shall not be required to repair
      any
      injury or damage by fire or other cause, or to make any repairs or replacements
      of improvements installed in the Premises by or for Tenant in excess of building
      standard items originally installed by Landlord, including but not limited
      to
      panels, decorative items, office fixtures, railings, floor coverings or other
      property. Further notwithstanding anything to the contrary contained in this
      Section 12, Landlord shall have no obligation to repair, reconstruct or restore
      the Premises when the damage described in this Section occurs during the last
      twelve (12) months of the term of this Lease or any extension
      thereof.

    

    In
      case
      sufficient insurance proceeds are unavailable or the Building throughout shall
      be so injured or damaged, whether by fire or otherwise, to the extent of thirty
      percent (30%) or more of replacement cost thereof [though said Premises may
      not
      be affected, or if affected, can be repaired within one hundred twenty (120)
      days], the Landlord, within sixty (60) days after the happening of such injury,
      shall decide not to reconstruct or rebuild the Building, then, notwithstanding
      anything contained herein to the contrary, upon notice in writing to that effect
      given by Landlord to Tenant within said sixty (60) days, Tenant shall pay the
      rent, properly apportioned up to the date of the damage; this Lease shall
      terminate from the date of delivery of said written notice; and both parties
      hereto shall be freed and discharged from all further obligations hereunder.
      A
      total destruction of the building shall automatically terminate this
      Lease.

     

    
      
        
        

      

      
        -13-

        
          

        

      

      
        
        

      

    

    

    13.    CONDEMNATION:

    

    If
      any
      portion of the Premises which materially affects Tenant's ability to continue
      to
      use the remainder thereof for the purposes set forth herein, or any portion
      of
      the Building which shall render the Premises untenantable shall be taken by
      right of eminent domain or by condemnation or shall be conveyed in lieu of
      any
      such taking, then this Lease, at the option of either Landlord or Tenant
      exercised by either party giving notice to the other of such termination within
      thirty (30) days after such taking or conveyance, shall forthwith cease and
      terminate, and the rent shall be duly apportioned as of the date of such taking
      or conveyance. Tenant thereupon shall surrender to Landlord the Premises and
      all
      interest therein under this Lease, and Landlord may re-enter and take possession
      of the Premises or remove Tenant therefrom. If any portion of the Premises
      or
      area appurtenant thereto is taken which does not materially affect Tenant's
      right to use the remainder of the Premises for the purpose set forth herein,
      this Lease shall continue in full force and effect, and Landlord shall promptly
      perform any repair or restoration work required to restore the Premises, insofar
      as possible, to its former condition, and the rental owing hereunder shall
      be
      adjusted, if necessary, in such just manner and proportion as the part so taken
      (and its effect on Tenant's ability to the use the remainder of the Premises)
      bears to the whole. In the event of taking or conveyance as described herein,
      Landlord shall receive the entire award or consideration for the lands,
      improvements and value of the leasehold so taken. 

    

    14.    ASSIGNMENT
      AND SUBLETTING:

    

    Tenant
      shall not permit any part of the Premises to be used or occupied by any persons
      other than Tenant, and the employees of Tenant, nor permit any part of the
      Premises to be used or occupied by any licensee or concessionaire, or permit
      any
      persons to be upon the Premises other than Tenant, and their respective
      employees, customers and others having lawful business with them.

    

    Tenant
      shall not assign nor sublet nor part with the possession of all or part of
      the
      Premises without the prior written consent of Landlord; provided, however,
      such
      consent to any assignment or subletting shall not relieve Tenant from its
      obligations as primary obligor (and not as surety or guarantor) for the payment
      of all rental due hereunder and for the full and faithful observance and
      performance of the covenants, terms and conditions herein contained. The sale
      of
      all or a majority of the stock of Tenant, if Tenant is a corporation, shall
      constitute an assignment of the Lease for purposes of this paragraph. Consent
      of
      the Landlord to an assignment or subletting shall not in any may be construed
      to
      relieve the Tenant from obtaining the consent of the Landlord to any further
      assignment or subletting. Nothwithstanding the foregoing, in the event of a
      sale
      of all or substantially all of the assets of Tenant and an assumption of the
      obligations of this Lease by such purchaser, Landlord’s consent shall be deemed
      given and the original tenant hereunder shall be released of its obligations
      hereunder. Landlord’s consent shall not be required if such assignee is an
      entity related to Tenant.

     

    
      
        
        

      

      
        -14-

        
          

        

      

      
        
        

      

    

    

    In
      the
      event Tenant should desire to assign this Lease or sublet the Premises or any
      part thereof, Tenant shall give Landlord written notice of such desire at least
      sixty (60) days in advance of the date on which Tenant desires to make such
      assignment or sublease. At this time, Tenant shall submit to Landlord the name
      of the proposed assignee or subtenant and such information as to the nature
      of
      its business and its financial responsibility and standing as Landlord may
      reasonably require, and the effective date of the proposed assignment. Landlord
      shall, within thirty (30) days of receipt of such request and information from
      Tenant, notify Tenant in writing that Landlord elects either:

    

    A.
      To
      terminate the Lease as to the space so affected as of the date so specified
      by
      Tenant in which event Tenant will be relieved of all further obligation
      hereunder as to such space (however if Landlord notifies Tenant that it will
      terminate this lease, Tenant may withdraw its written notice and Landlord shall
      not have the right to terminate this lease); or

    

    B.
      To
      permit Tenant to assign or sublet such space, subject, however, to subsequent
      written approval of the proposed assignee or subtenant by Landlord; provided,
      however, that if the rental rate agreed upon between Tenant and its subtenant
      is
      greater than the rental rate that Tenant must pay Landlord, then such excess
      rental shall be deemed additional rent owed by Tenant to Landlord and shall
      be
      paid by Tenant to Landlord in the same manner that Tenant pays Rent as described
      in Sections 3 and 4 of this Lease; or

    

    C.
      To
      refuse to consent to Tenant's assignment or subleasing such space and to
      continue this Lease in full force and effect as to the entire Leased Premises,
      such consent not to be unreasonably withheld.

    

    If
      Landlord shall fail to notify Tenant in writing of such election within said
      thirty (30) day period, Landlord shall be deemed to have elected option C above.
      Any attempted assignment or sublease by Tenant in violation of the terms and
      covenants of this Section 14 shall be considered a material breach of the Lease
      Agreement.

    

    15.    ESTOPPEL
      CERTIFICATE. 

    

    Tenant
      agrees, prior to its occupancy of the Premises and thereafter, at any time
      and
      from time to time, upon not less than ten (10) days written request by Landlord,
      to execute, acknowledge and deliver to Landlord an estoppel certificate
      certifying that this Lease is unmodified and in full force and effect (or if
      there have been modifications, that the same is in full force and effect as
      modified, and stating the modifications), that there have been no defaults
      thereunder by Landlord or Tenant (or if there have been defaults, setting forth
      the nature thereof), the date to which the rent and other charges have been
      paid
      in advance, if any, and such other matters as reasonably requested by Landlord,
      it being intended that any such statement delivered pursuant to the paragraph
      may be relied upon by any prospective purchaser of all or any portion of
      Landlord's interest herein, or a holder of any mortgage or deed of trust
      encumbering the Building Complex. Tenant's failure to deliver such statement
      within such time shall constitute an event of default (as that term is defined
      elsewhere in this Lease).

     

    
      
        
        

      

      
        -15-

        
          

        

      

      
        
        

      

    

    

    16.    DEFAULT.

    

    The
      happening of any one or more of the following events shall constitute an "event
      of default":

    

    A.
      The
      failure by Tenant to pay any installment of Base Rent or other charge when
      due,
      including the Expense and Tax Adjustments set forth in Section 4 of this Lease,
      when such failure is not cured within 10 days after receipt by Tenant of written
      notice from landlord of such failure. Time is of the essence of this
      Lease;

    

    B.
      This
      Lease or the estate of Tenant hereunder shall be transferred to or shall pass
      to
      any other person or party except in the manner herein provided;

    

    C.
      This
      Lease or the Premises or any part thereof shall be taken upon execution or
      by
      other process of law directed against Tenant, or shall be taken upon or subject
      to any attachment at the instance of any creditor or claimant against Tenant,
      and said attachment shall not be discharged or disposed of within fifteen (15)
      days after the levy thereof;

    

    D.
      Tenant
      shall file a petition in bankruptcy or insolvency or for reorganization or
      arrangement under the bankruptcy laws of the United States or under any
      insolvency act of any state, or shall voluntarily take advantage of any such
      law
      or act by answer or otherwise, or shall be dissolved or shall make an assignment
      for the benefit of creditors;

    

    E.
      Involuntary proceedings under any such bankruptcy law or insolvency act for
      the
      dissolution of Tenant shall be instituted against Tenant, or a receiver or
      trustee shall be appointed of all or substantially all of the property of
      Tenant, and such proceeding shall not be dismissed or such receivership or
      trusteeship vacated within sixty (60) days after such institution or
      appointment;

    

    F.
      Tenant
      shall fail to take possession of the Premises within ninety (90) days of the
      term commencement date;

    

    G.
      Tenant
      shall fail to perform any of the other agreements, terms, covenants or
      conditions hereof on Tenant's part to be performed, and such non-performance
      shall continue for a period of ten (10) days after notice thereof by Landlord
      to
      Tenant, or if such performance cannot be reasonably had within such ten (10)
      day
      period, Tenant shall not in good faith have commenced such performance within
      such ten (10) day period and shall not diligently proceed therewith to
      completion; and

    

    H.
      Any
      event described elsewhere in this Lease as an event of default which remains
      uncured after written notice from Landlord to Tenant. Upon the happening of
      any
      event of default as hereinabove described, the Landlord shall have the right,
      at
      its election, then or at any time thereafter and while any such event of default
      shall continue, either:

     

    
      
        
        

      

      
        -16-

        
          

        

      

      
        
        

      

    

    

    (1)
      To
      give Tenant written notice of intention to terminate this Lease on the date
      of
      such given notice or on any later date specified therein, and on the date
      specified in such notice, whereupon Tenant's right to possession of the Premises
      shall cease, and this Lease shall thereupon be terminated, except as to Tenant's
      liability, as if the expiration of the term fixed in such notice where the
      end
      of the term herein originally demised; or

    

    (2)
      To
      re-enter and take possession of the Premises or any part thereof, and repossess
      the same as of Landlord's former estate and expel Tenant and those claiming
      through or under Tenant, and remove the effects of both or either, using such
      force for such purposes as may be necessary, without being liable for
      prosecution thereof, without being deemed guilty of any manner of trespass,
      and
      without prejudice to any remedies for arrears of rent or preceding breach of
      covenants or conditions. Should Landlord elect to re-enter as provided in the
      Subparagraph (2) or should Landlord take possession pursuant to legal
      proceedings or pursuant to any notice provided for by law, Landlord may, from
      time to time, without terminating this Lease, relet the Premises or any part
      thereof in Landlord's or Tenant's name, but for the account of Tenant, for
      such
      term or terms (which may be greater or less than the period which would
      otherwise have constituted the balance of the term of this Lease) and on such
      conditions and upon such other terms (which may include concessions of free
      rent
      and alteration and repair of the Premises) as Landlord in its reasonable
      discretion, may determine, and Landlord may collect and receive the rents
      therefor. Landlord shall in no way be responsible or liable for any failure
      to
      relet the Premises, or any part thereof, or for any failure to collect any
      rent
      due upon such reletting. No such re-entry or taking possession of the Premises
      by Landlord shall be construed as an election on Landlord's part to terminate
      this Lease unless a written notice of such intention be given to Tenant. No
      notice from Landlord hereunder or under a forcible entry and detainer statute
      or
      similar law shall constitute an election by Landlord to terminate this Lease
      unless such notice specifically so states. Landlord reserves the right following
      any such re-entry and/or reletting to exercise its right to terminate this
      Lease
      by giving Tenant such written notice, in which event the Lease will terminate
      as
      specified in said notice.

     

    In
      the
      event that Landlord does not elect to terminate this Lease as permitted in
      Subparagraph (1) of this Section, but on the contrary, elects to take possession
      as provided in Subparagraph (2) hereof, Tenant shall pay to Landlord (i) the
      rent and other sums as herein provided, which would be payable hereunder if
      such
      repossession had not occurred, less (ii) the net proceeds, if any, of any
      reletting of the Premises after deducting all Landlord's reasonable expenses
      in
      connection with such reletting, including, but without limitation, all
      repossession costs, brokerage commissions, legal expenses, attorneys' fees,
      expenses of employees, alteration and repair costs and expenses of preparation
      for such reletting. If, in connection with any reletting, the new lease term
      extends beyond the existing term, or the premises covered thereby include other
      premises not part of the Premises, a fair apportionment of the rent received
      from such reletting shall be made by Landlord binding on Tenant, and the
      expenses incurred in connection therewith as provided aforesaid will be made
      in
      determining the net proceeds from such reletting, any rent concessions will
      be
      apportioned over the term of the new lease. Tenant shall pay such rent and
      other
      sums to Landlord monthly on the days on which the rent would have been payable
      hereunder if possession had not be retaken and Landlord shall be entitled to
      receive the same from Tenant on each such day.

     

    
      
        
        

      

      
        -17-

        
          

        

      

      
        
        

      

    

    

    Nothing
      herein shall preclude Landlord at its election from recovering, at a minimum,
      the fair rental value of the Premises as damages for the failure of Tenant
      to
      pay the agreed upon rentals.

    

    In
      the
      event, however, the Lease is terminated (except as provided in Section 12 and
      13
      on damage and destruction or condemnation), Tenant shall remain liable to
      Landlord for damages in an amount equal to the rent and other sums which would
      have been owing by Tenant hereunder for the balance of the term had this Lease
      not been terminated, less the net proceeds, if any, of any reletting of the
      Premises by Landlord subsequent to such termination, after deducting all
      Landlord's expenses in connection with such reletting, including, but without
      limitation, the expenses enumerated above. Landlord shall be entitled to collect
      such damages from Tenant monthly on the days on which the rent and other amounts
      would have been payable hereunder if this Lease had not been terminated, and
      Landlord shall be entitled to receive the same from Tenant on each such day.
      Alternatively, at the option of Landlord, in the event this Lease is terminated,
      Landlord shall be entitled to recover forthwith against Tenant as damages for
      loss of the bargain and not as a penalty, an aggregate sum which, at the time
      of
      such termination of this Lease, represents the excess, if any, of the aggregate
      of the rent and all other sums payable by Tenant hereunder that would have
      accrued for the balance of the term over the aggregate rental value of the
      Premises (such rental value to be computed on the basis of a tenant paying
      not
      only a rent to Landlord for the use and occupation of the Premises, but also
      such other charges as are required to be paid by Tenant under the terms of
      this
      Lease) for the balance of such term.

    

    Suit
      or
      suits for the recovery of the amounts and damages set forth hereinafter may
      be
      brought by Landlord, from time to time, at Landlord's election; and nothing
      herein shall be deemed to require Landlord to await the date whereon this Lease
      or the term hereof would have expired by limitation had there been no such
      default by Tenant, or no such termination, as the case may be. Each right and
      remedy provided for in this Lease shall be cumulative and shall be in addition
      to every other right or remedy provided for in this Lease or now or hereafter
      existing at law or in equity or by statute or otherwise, including but not
      limited to, suits for injunctive relief and specific performance. The exercise
      or beginning of the exercise by Landlord of any one or more of the rights or
      remedies provided for in this Lease or now or hereafter existing at law or
      in
      equity or by statue or otherwise shall not preclude the simultaneous or later
      exercise by Landlord of any or all other rights or remedies provided for in
      this
      Lease or now or hereafter existing at law or in equity or by statute or
      otherwise. All costs incurred by Landlord in connection with collecting any
      amounts and damages owing by Tenant pursuant to the provisions of this Lease
      or
      to enforce any provision of this Lease, including reasonable attorneys' fees
      from the date any such matter is turned over to an attorney, shall also be
      recoverable by Landlord from Tenant.

    

    No
      failure by Landlord to insist upon the strict performance of any agreement,
      term, covenant or condition hereof or to exercise any right or remedy consequent
      upon a breach thereof, and acceptance of full or partial rent during the
      continuance of any such breach, shall constitute a waiver of any such breach
      or
      any such agreement, term, covenant or condition. No agreement, term, covenant
      or
      condition hereof to be performed or complied with by Tenant and no breach
      thereof, shall be waived, altered or modified except by a written instrument
      executed by Landlord. No waiver of any breach shall affect or alter this Lease,
      but each and every agreement, term, covenant and condition hereof shall continue
      in full force and effect with respect to any other then existing or subsequent
      breach thereof. Notwithstanding any termination of this Lease, the same shall
      continue in force and effect as to any provisions hereof which require
      observance or performance of Landlord or Tenant subsequent to
      termination.

     

    
      
        
        

      

      
        -18-

        
          

        

      

      
        
        

      

    

    

    Nothing
      contained in this Section shall limit or prejudice the right of Landlord to
      prove and obtain as liquidated damages in any bankruptcy, insolvency,
      receivership, reorganization or dissolution proceeding, an amount equal to
      the
      maximum allowed by any statute or rule or law governing such proceeding and
      in
      effect at the time when such damages are to be proved, whether or not such
      amount be greater, equal to or less than the amounts recoverable, either as
      damages or rent, referred to in any of the preceding provisions of Section
      16.

    

    Notwithstanding
      anything contained hereinabove in Section 16 to the contrary, any such
      proceeding or action involving bankruptcy, insolvency, reorganization,
      arrangement, assignment for the benefit of creditors, or appointment of a
      receiver or trustee, as outlined in Paragraphs D and E above, shall be
      considered to be an event of default only when such proceeding, action or remedy
      shall be taken or brought by or against the then holder of the leasehold estate
      under this Lease.

    

    17.    REFURBISHING
      OF PREMISES:

    

    Landlord
      has agreed to refurbish the Premises only to the extent as more fully set forth
      in the Refurbishing Addendum between Landlord and Tenant attached hereto as
      Exhibit D and incorporated by reference herein. Other than as set forth in
      such
      Refurbishing Addendum, Landlord shall have no obligations for the completion
      of
      the Premises, and Tenant shall accept the Premises in their "as is" condition
      immediately prior to the date of occupancy of the Premises by the Tenant except
      for those items set forth in the estoppel letter received by Landlord from
      Tenant at that time. In any event, Landlord shall not have any obligation to
      repair or replace any portions of the interior of the Premises which are damaged
      or wear out during the term hereof, regardless of the cause therefor, including,
      but not limited to, carpeting, draperies, window coverings, wall covering,
      painting or any of Tenant's property or betterments in the Premises. If the
      Premises are not ready for occupancy on the date upon which the term hereby
      demised is to begin, the rent under this Lease shall not commence until the
      Premises are ready for occupancy, whereupon this Lease, and all of the
      covenants, conditions and agreements herein contained shall be in full force
      and
      effect; and the expiration of the term hereof shall be postponed for an
      equivalent period of time; and the postponement of rent herein provided to
      be
      paid by Tenant for such period prior to the delivery of the Premises to Tenant
      ready for occupancy shall be in full settlement for all claims which Tenant
      might otherwise have by reason of said Premises not being ready for occupancy
      on
      the date of the beginning of the term as set forth herein. Notwithstanding
      the
      foregoing, in the event that the Premises are not ready for occupancy on or
      before April 1, 2006, Tenant may terminate this lease upon written notice to
      Landlord. Tenant may occupy the Premises prior to the commencement of the Lease
      term provided (a) it has obtained Landlord's prior written consent thereto,
      (b)
      it will not hinder in any way the Tenant improvement work, if any, to be
      performed by Landlord and will cooperate with all reasonable requests of workmen
      and Landlord in conjunction therewith and (c) rent for such period shall be
      at
      the monthly rate (prorated accordingly) set forth in Section 3 hereof. Upon
      Tenant's occupancy of the Premises all of the provisions of this Lease shall
      be
      in full force and effect. "Ready for occupancy," as that term is used herein,
      shall mean the date that Landlord shall have substantially completed the
      Premises or any remodeling work to be performed by Landlord to the extent agreed
      to in the Construction Procedures Agreement. The certificate of the architect
      (or other representative of Landlord) in charge of supervising the completion
      of
      remodeling of the Premises shall control conclusively the date upon which the
      Premises are ready for occupancy and the obligation to pay rent begins as
      aforesaid.

     

    
      
        
        

      

      
        -19-

        
          

        

      

      
        
        

      

    

    

    If,
      as a
      result of the postponement of the commencement of the term, the term would
      begin
      other than on the date set forth in Section 2 hereof, the Commencement Date
      shall be postponed and Tenant shall pay proportionate rent at the same monthly
      rate set forth herein (also in advance) for such partial month and all other
      terms and conditions of this Lease shall be in force and effect during such
      partial month. As soon as the term commences, Landlord and Tenant shall execute
      an addendum to this Lease, which may be requested by either party, setting
      forth
      the exact dates of commencement and expiration of the term hereof.

    

    18.    ACCEPTANCE
      OF PREMISES BY TENANT:

    

    Taking
      possession of the Premises by Tenant shall be conclusive evidence as against
      Tenant that said Premises were in the condition agreed upon between Landlord
      and
      Tenant, and acknowledgement of satisfactory completion of the fix-up work which
      Landlord has agreed in writing to perform.

    

    19.    REMOVAL
      OF TENANT'S PROPERTY:

    

    All
      movable furniture and personal effects of Tenant not removed from the Premises
      upon the vacation or abandonment thereof or upon the termination of this Lease
      for any cause whatsoever shall conclusively be deemed to have been abandoned
      and
      may be appropriated, sold, stored, destroyed or otherwise disposed of by
      Landlord without notice to Tenant or any other person and without obligation
      to
      account therefore; and Tenant shall pay Landlord for all expenses incurred
      in
      connection with the disposition of such property.

    

     

    20.    HOLDING
      OVER:

    

    Should
      Tenant, without Landlord's written consent, hold over after the termination
      of
      this Lease, Tenant shall become a tenant from month to month only upon each
      and
      all of the terms herein provided as may be applicable to such month-to-month
      tenancy and any such holding over shall not constitute an extension of this
      Lease. During such holding over, Tenant shall pay rental equal to two hundred
      percent (200%) of the last monthly rental rate (or such lesser amount which
      Landlord may determine) and all the other monetary charges as provided herein.
      Such tenancy shall continue until terminated by Landlord or until Tenant shall
      have given to Landlord a written notice at least thirty (30) days prior to
      the
      date of termination of such monthly tenancy of its intention to terminate such
      tenancy.

     

    
      
        
        

      

      
        -20-

        
          

        

      

      
        
        

      

    

    

    21.    CONTROL
      OF COMMON AREAS.

    

    All
      automobile parking areas, driveways, entrances and exits thereto and other
      facilities furnished by Landlord, including all parking areas, plaza areas,
      truckway or driveways, loading areas, pedestrian walkways and ramps, landscaped
      areas, stairways and other areas and improvements provided by Landlord both
      inside and outside the Building (all of the foregoing are hereinafter
      collectively referred to as "Common Areas") for the general use in common of
      tenants, their officers, employees, agents, invitees, licensees, visitors and
      customers (all of the foregoing are hereinafter collectively referred to as
      "Permitted Users"), shall be at all times subject to the exclusive control
      and
      management of Landlord, and Landlord shall have the right at any time and from
      time to time to establish, modify and enforce reasonable rules and regulations
      with respect to all such Common Areas. Landlord shall have the right to
      construct, maintain and operate facilities within the Common Areas; to employ
      personnel to operate and police same; from time to time to change the area,
      level, location and arrangement of parking areas and other Common Areas; to
      restrict parking by and enforce parking charges (by operation of meters or
      otherwise) against Permitted Users; to close all or any portion of the Common
      Areas to such extent as may, in the opinion of Landlord's counsel, be legally
      sufficient to prevent a dedication thereof or the accrual of any right to any
      person or the public therein; to discourage non-customer parking; to charge
      a
      fee for visitor or customer parking, but Landlord shall not be obligated to
      provide such parking; and to do and perform such other acts in and to the common
      Areas as, in the use of good business judgment, Landlord shall determine to
      be
      advisable with a view to the improvement of the convenience and use thereof
      by
      the Permitted Users. Reference in this Section to parking areas shall in no
      way
      be construed as giving Tenant any rights and/or privileges in connection with
      such parking areas. All expenses incurred by Landlord in the maintenance and
      operation of the Common Areas shall be includable in the definition of
      "Operating Expenses" set forth in Section 4B hereof.

    

    22.    SURRENDER
      AND NOTICE:

    

    Upon
      the
      expiration or other termination of the term of this Lease, Tenant shall promptly
      quit and surrender to Landlord the Premises broom clean, in good order and
      condition, ordinary wear and tear and loss by fire or other casualty (unless
      caused, whether by action or inaction by Tenant, its agents, servants, employees
      or invitees) excepted, and Tenant shall remove all of its movable furniture
      and
      other effects and such alterations, additions and improvements as Landlord
      shall
      require Tenant to remove pursuant to Section 9 hereof. In the event Tenant
      fails
      to vacate the Premises on a timely basis as required, Tenant shall be
      responsible to Landlord for all costs incurred by Landlord as a result of such
      failure, including, but not limited to, any amounts required to be paid to
      third
      parties who were to have occupied the Premises.

    

    23.    SUBORDINATION
      AND ATTORNMENT:

    

    This
      Lease, at Landlord's option, shall be subordinate to any mortgage, deed of
      trust
      (now or hereafter placed upon the Building Complex), ground lease or declaration
      of covenants (hereafter placed upon the Building Complex) regarding maintenance
      and use of any areas contained in any portion of the Building Complex, and
      to
      any and all advances made under any mortgage or deed of trust and to all
      renewals, modifications, consolidations, replacements and extensions hereof.
      Tenant agrees, with respect to any of the foregoing documents, that no
      documentation other than this Lease shall be required to evidence such
      subordination except that in the event that Tenant is required to execute a
      subordination agreement in favor of any lender of the building, Tenant shall
      not
      be required to execute any such subordination unless such lender shall provide
      Tenant with a non-disturbance agreement providing that in the vent of any
      foreclosure, so long as Tenant is not in default, Tenant’s right to possession
      of the Premises shall not be disturbed by any foreclosure. Tenant agrees to
      execute such documents as may be required to effectuate such subordination
      of
      the lien of any mortgage or deed of trust, as the case may be, and by failing
      to
      do so within ten (10) days after written demand, Tenant does hereby make,
      constitute and irrevocably appoint Landlord as Tenant's attorney-in-fact and
      in
      Tenant's name, place and stead, to do so. This power of attorney is coupled
      with
      an interest. Tenant hereby attorns to all successor owners of the Building,
      whether or not such ownership is acquired as a result of a sale, through
      foreclosure of a deed of trust or mortgage or otherwise.

     

    
      
        
        

      

      
        -21-

        
          

        

      

      
        
        

      

    

    

    24.    PAYMENTS
      AFTER TERMINATION:

    

    No
      payments of money by Tenant to Landlord after the termination of this Lease,
      in
      any manner, or after giving of any notice of default (other than a demand for
      payment of money) by Landlord to Tenant shall reinstate, continue or extend
      the
      term of this Lease or affect any notice given to Tenant prior to the payment
      of
      such money, it being agreed that after the service of notice of the commencement
      of a suit or other final judgment granting Landlord possession of the Premises,
      Landlord may receive and collect any sums of rent due, or any other sums of
      money due under the terms of this Lease, or otherwise exercise its rights and
      remedies hereunder. The payment of such sums of money, whether as rent or
      otherwise, shall not waive said notice, or in any manner affect any pending
      suit
      or judgment theretofore obtained.

     

    25.    AUTHORITIES
      FOR ACTION AND NOTICE:

    

    A.
      Except
      as herein otherwise provided, Landlord may act in any matter provided for herein
      by and through its building manager or any other person who shall from time
      to
      time be designated by Landlord in writing.

    

    B.
      All
      notices or demand required or permitted to be given to Landlord hereunder shall
      be in writing, and shall be deemed duly served when deposited in the United
      States mail, with proper postage prepaid, certified or registered, return
      receipt requested, addressed to Landlord at its principal office in the
      Building, or at the most recent address of which Landlord has notified Tenant
      in
      writing. All notices or demands required to be given to Tenant hereunder shall
      be in writing, and shall be deemed duly serviced when deposited in the United
      States mail, with proper postage prepaid, certified or registered, return
      receipt requested, addressed to:
      Patria Corporation, Inc., 5350 Leetsdale Drive, Suite #G-120, Denver, CO
      80246.
      If
      Tenant fails to so designate an address, such notice may be mailed to Tenant's
      premises in the Building. Either party shall have the right to designate in
      writing served as above, provided a different address to which notice is to
      be
      mailed. The foregoing shall in no event prohibit notice from being given as
      provided in Rule 4 of the Colorado Rules of Civil Procedure, as the same may
      be
      amended from time to time.

     

    
      
        
        

      

      
        -22-

        
          

        

      

      
        
        

      

    

    

    26.    SECURITY
      DEPOSIT:

    

    It
      is
      agreed that Tenant, concurrently with the execution of this Lease, has deposited
      with Landlord and will keep on deposit at all times during the term hereof,
      the
      sum of Twenty
      Five Thousand and no/100
      Dollars
      ($25,000.00),
      the
      receipt of which is hereby acknowledged, as security for the payments by Tenant
      of the rent herein agreed to be paid and for the faithful performance of all
      the
      terms, conditions and covenants of this Lease. If, at any time during the term
      hereof, Tenant shall be in default in the performance of any provisions of
      this
      Lease, Landlord shall have the right to use said deposit, or so much thereof
      as
      is necessary, in payment of any rent in default as aforesaid, reimbursement
      of
      any expense incurred by Landlord in refurbishing the premises and leasing costs,
      and in payment of any damages incurred Landlord by reason of Tenant's default.
      In such event, Tenant shall, on written demand of Landlord, forthwith remit
      to
      Landlord a sufficient amount in cash to restore and deposit to its original
      amount. In the event said deposit has not been utilized as aforesaid, said
      deposit, or as much thereof as has not been utilized for such purposes, shall
      be
      refunded to Tenant, without interest, upon full performance of this Lease by
      Tenant as follows:

    
      
        a. 
          $10,000
          ninety days after tenant takes occupancy, provided the OCC has approved
          the bank
          charter by that date, or upon such approval if delayed beyond the initial
          90
          days of occupancy.

        b. an
          additional $10,000 at the end of the first year of the lease
          term

      

    

    c. $3,500
      at
      the end of the second year of the lease term

    d. the
      balance of $1,500 shall be held by Landlord throughout the duration of the
      lease
      term and refunded in accordance with the provisions of the lease.

    Landlord
      shall have the right to commingle said deposit with other funds of Landlord.
      Landlord may deliver the funds deposited herein by Tenant to any purchaser
      of
      Landlord's interest in the Premises in the event such interest be sold, and
      thereupon Landlord shall be discharged from further liability with respect
      to
      such deposit. If claims of Landlord exceed said deposit, Tenant shall remain
      liable for the balance of such claims.

    

    
      	 	
              27.

            	
              ENVIRONMENTAL
                INDEMNITY

            

    

    

    Tenant,
      its successors, assigns and guarantors shall indemnify, defend, reimburse and
      hold harmless Landlord from and against any and all "Environmental Damages"
      arising from the presence or use of "Hazardous Materials" caused, permitted
      or
      suffered directly by Tenant's use or occupancy of the Leased Premises or arising
      in any manner whatsoever out of the violation by Tenant of any "Environmental
      Requirements" pertaining to the Leased Premises and the activities thereon,
      or
      the breach of any warranty or covenant or the inaccuracy of any representation
      of Tenant contained in this Lease.

     

    
      
        
        

      

      
        -23-

        
          

        

      

      
        
        

      

    

     

    A. "Hazardous
      Materials" means any substance:

    

    a. The
      presence of which requires investigation or remediation under any federal,
      state
      or local statute, regulation, ordinance, order, action, policy or common law;
      or

    

    b. Which
      is
      or becomes defined as "hazardous waste", hazardous substance", pollutant or
      contaminant under any federal, state or local statute, regulation, rule or
      ordinance or amendments thereto including, without limitation, the Comprehensive
      Environmental Response, Compensation and Liability Act ("CERCLA") (42 U.S.C.
§§
9601 et
      seq.)
      and/or
      the Resource Conservation and Recovery Act (42 U.S.C. §§ 6901 et
      seq.);
      or

    

    c. Which
      is
      toxic, explosive, corrosive, flammable, infectious, radioactive, carcinogenic,
      mutagenic or otherwise hazardous and is or becomes regulated by any governmental
      authority or instrumentality of the United States, the State of Colorado or
      the
      county of the Shopping Center, or

    

    d. The
      presence of which in, on or about the Leased Premises causes or threatens to
      cause a nuisance upon the Leased Premises or to adjacent properties or poses
      or
      threatens to pose a hazard to health or safety of persons on or about the Leased
      Premises; or

    

    e. The
      presence of which on adjacent properties could constitute a trespass by Tenant;
      or

    

    f. Without
      limitation which contains gasoline, diesel fuel or other petroleum
      hydrocarbons.

    

    B. "Environmental
      Requirements" means all applicable present and future statutes, regulations,
      rules, ordinances, codes, licenses, permits, orders, approvals and similar
      items
      of all governmental authorities or instrumentalities of the United States,
      Colorado, the county of the Shopping Center location and all applicable
      judicial, administrative and regulatory decrees, judgments or orders relating
      to
      the protection of human health or the environment.

    

    C. "Environmental
      Damages" means all claims, judgments, damages, losses, penalties, fines
      liabilities, encumbrances, liens, costs and expenses of whatever kind or nature,
      contingent or otherwise, matured or unmatured, foreseeable or unforeseeable,
      including without limitation reasonable attorney's and consultants' fees, any
      of
      which are incurred at any time as a result of Tenant's use or occupancy of
      the
      Leased Premises or violation of any Environmental Requirement in, on or about
      the Leased Premises or any portion thereof.

     

    
      
        
        

      

      
        -24-

        
          

        

      

      
        
        

      

    

    

    D. The
      obligations of Tenant, its successors, assigns and guarantors in this paragraph
      shall survive the expiration or termination of this Lease.

    

    E. If
      Tenant
      shall become aware of or receive notice or other communication concerning any
      actual, alleged, suspected or threatened violation of Environmental Requirements
      or liability for Environmental Damages in connection with the Leased Premises
      or
      past or present activities of any person thereon, then, within ten (10) days
      of
      becoming aware of or the receipt of notice or other communication, Tenant shall
      deliver to Landlord a written description of same, together with copies of
      any
      supporting documents.

    

    F. Nothing
      contained herein shall obligate Tenant to remediate or indemnify Landlord,
      directly or indirectly through operating expenses for any environmental
      condition existing in, on or under the property at the commencement of this
      lease or caused by anyone unrelated to Tenant.

     

    
      	 	
              28.

            	
              ADA
                COMPLIANCE

            

    

    

    Notwithstanding
      anything to the contrary, Tenant shall be responsible for any alterations,
      modifications or improvements to the premises which may be required under the
      Americans with Disabilities Act (ADA) to the extent such are required as a
      result of any alterations or improvements or additions made to the premises
      by
      or on behalf of Tenant, or as a result of Tenant employing any individual with
      a
      disability as defined by the ADA

    

    29.    MISCELLANEOUS:

    

    A.
      The
      Rules and Regulations attached hereto and marked Exhibit "C", as well as such
      Rules and Regulations may be amended, deleted, modified, altered or enlarged
      by
      Landlord for the safety, care and cleanliness of the Premises and the
      preservation of good order thereon, are hereby expressly made a part hereof;
      and
      Tenant agrees to obey all such rules and regulations. The violation of any
      of
      such rules and regulations by Tenant shall be deemed an event of default of
      this
      Lease by Tenant, affording Landlord all those remedies set out herein. Landlord
      shall not be responsible to Tenant for the nonperformance of any other tenant
      or
      occupant of the building of any of said rules and regulations.

    

    B.
      The
      term "Landlord", as used in this Lease, so far as covenants or obligations
      on
      the part of Landlord are concerned, shall be limited to mean and include only
      the Owner or Owners of the Building at the time in question; and in the event
      of
      any transfer or transfers of the title thereto, Landlord herein named (and
      in
      the case of any subsequent transfers or conveyances, the then grantor) shall
      be
      automatically released from and after the date of such transfer or conveyance,
      of all liability as respects the performance of any covenants or obligations
      on
      the part of Landlord contained in this Lease thereafter to be performed,
      provided that any funds in the hands of Landlord or the then grantor at the
      time
      of such transfer in which Tenant has an interest shall be turned over to the
      grantee; and any amount then due and payable to Tenant by Landlord or the then
      grantor under any provisions of this Lease shall be paid to Tenant.

     

    
      
        
        

      

      
        -25-

        
          

        

      

      
        
        

      

    

    

    C.
      Tenant
      agrees that for the purposes of completing or making repairs or alterations
      in
      any portion of the Building, Landlord may use one or more of the street
      entrances, the halls passageways and elevators of the Building, subject to
      Tenant's reasonable right to access the premises at all times.

    

    D.
      This
      Lease shall be construed as though the covenants herein between Landlord and
      Tenant are independent, and not dependent; and Tenant shall not be entitled
      to
      any setoff of the rent or other amounts owing hereunder against Landlord if
      Landlord fails to perform its obligations set forth herein; provided, however,
      the foregoing shall in no way impair the right of Tenant to commence a separate
      action against Landlord for any violation by Landlord of the provisions hereof
      so long as notice is first given to Landlord and an opportunity granted to
      Landlord to correct such violation.

    

    E.
      If any
      clause or provisions of this Lease is illegal, invalid, or unenforceable under
      present or future laws effective during the term of this Lease, then and in
      that
      event, it is the intention of the parties hereto that the remainder of this
      Lease shall not be affected thereby; and it is also the intention of the parties
      to the Lease that in lieu of each clause or provision of this Lease that is
      illegal, invalid or unenforceable, there shall be added as a part of this Lease
      a legal, valid and enforceable clause or provision as similar in terms of such
      illegal, invalid or unenforceable clause or provision as may be
      possible.

    

    F.
      The
      captions of each Section are added as a matter of convenience only and shall
      be
      considered of no effect in the construction of any provision or provisions
      of
      this Lease.

     

    G.
      Except
      as herein specifically set forth, all terms, conditions and covenants to be
      observed and performed by the parties hereto shall be applicable to and binding
      upon their respective heirs, administrators, executors, successors and assigns.
      The terms, conditions and covenants hereof shall also be considered to be
      covenants running with the land and shall inure to the benefit of and be binding
      upon the parties hereto and their respective successors and permitted
      assigns.

    

    H.
      Tenant
      specifically agrees to look solely to Landlord's interest in the Building for
      recovery of any judgment from the Landlord, it being agreed that Landlord shall
      never be personally liable for any such judgment, including any personal assets
      of the partnership comprising of Landlord or any assets of the individual
      partners of the partnership forming "Landlord." The provision contained in
      the
      foregoing sentence is not intended to, and shall not, limit any right that
      Tenant might otherwise have to obtain injunctive relief against Landlord or
      Landlord's successors in interest or any suit or action in connection with
      enforcement or collection of amounts which may become owing or payable under
      or
      on account of insurance maintained by Landlord.

     

    
      
        
        

      

      
        -26-

        
          

        

      

      
        
        

      

    

    

    I.
      No act
      or thing done by Landlord or Landlord's agent during the term hereof, including,
      but not limited to, any agreement to accept surrender of the Premises or to
      amend or modify this Lease, shall be deemed to be binding upon Landlord unless
      such act or things shall be by a party designated in writing by Landlord as
      so
      authorized to act. The delivery of keys to Landlord, or Landlord's agent,
      employees or officers shall not operate as a termination of this Lease or a
      surrender of the Premises. No payment by Tenant, or receipt by Landlord, of
      a
      lesser amount than the monthly rent herein stipulated, shall be deemed to be
      other than on account of the earliest stipulated rent, nor shall any endorsement
      or statement on any check or any letter accompanying any check, or payment
      as
      rent, be deemed an accord and satisfaction; and Landlord may accept such check
      or payment without prejudice to Landlord's right to recover the balance of
      such
      rent or pursue any other remedy available to Landlord.

    

    J.
      Landlord shall have the right to change the number, designation or name of
      the
      Building on ninety (90) days notice to Tenant (and without liability to Tenant)
      to construct other buildings or improvements in any plaza or other area
      designated by Landlord for use by tenants, or to change the location, character,
      or make alterations of, or additions to, any of said plazas or other
      areas.

    

    K.
      Tenant
      acknowledges and agrees that it has not relied upon any statement,
      representations, agreements or warranties except such as are expressed in this
      Lease, and that no amendment or modification of the Lease shall be valid or
      binding unless expressed in writing and executed by Landlord and Tenant in
      the
      same manner as the execution of this Lease.

    

    L.
      Time
      is of the essence hereof.

    

    M.
      Tenant
      and the party executing this Lease on behalf of Tenant represent to Landlord
      that such party is authorized to do so by requisite action of Tenant's board
      of
      directors, or partners as the case may be, and agree upon request to deliver
      to
      Landlord a resolution or similar document to that effect. 

    

    N.
      Any
      obligations of the Landlord or Tenant hereunder which is delayed or not
      performed due to acts of God, strike, riot, war, weather, failure to obtain
      labor and materials at a reasonable cost or any other reason beyond the control
      of the Landlord or Tenant shall not constitute a default hereunder and shall
      be
      performed within a reasonable time after the end of such cause for delay or
      non-performance.

    

    O.
      Tenant
      shall not record this Lease or a memorandum hereof without the prior written
      consent of Landlord. In the event that Tenant violates this provision, this
      Lease, at the option of Landlord, shall be null, void, and of no further force
      and effect if Tenant fails to execute documents requested by Landlord to negate
      the effect of such recordation, except that Tenant shall be liable to Landlord
      for liquidated damages, in the amount of the remaining rental to be paid
      hereunder.

    

    P.
      This
      Lease may be executed in counterparts. Each counterpart shall be deemed to
      be an
      original hereof. There shall be executed at least three (3) additional
      counterparts.

     

    
      
        
        

      

      
        -27-

        
          

        

      

      
        
        

      

    

    

    Q.
      The
      Tenant does hereby specifically allow and permit the Landlord to execute an
      Assignment Agreement including a General Assignment of Rents and to specifically
      assign this particular Lease.

     

    R.
      This
      Lease shall be deemed to have been made in and shall be construed in accordance
      with the laws of the State of Colorado.

    

    S.
      Unless
      the context otherwise requires, the word "Landlord" wherever it is used herein
      shall be construed to include and shall mean Landlord, it successors and/or
      assigns, and the word "Tenant" shall be construed to include and shall mean
      Tenant, and when there are two or more tenants, or two or ore persons bound
      by
      Tenant's covenants herein contained, their obligations hereunder shall be joint
      and several.

    

    T.
      Exhibits, plats and riders, if any, signed by Landlord and Tenant and endorsed
      on or affixed to this Lease are a part hereof.

    

    U.
      The
      marginal headings and titles to the Sections of this Lease are not a part of
      this Lease and shall have no effect upon the construction or interpretation
      of
      any part hereof.

    

    V.
      Tenant
      warrants and agrees to save and hold Landlord harmless from any and all leasing
      commissions (including renewals, extensions or options), costs and liability
      with respect to the Premises claimed by any real estate broker except those
      brokers retained by Landlord and those brokers identified in writing by Tenant
      to Landlord.

    

    W.
      This
      Lease contains all of the agreements of the parties hereto with respect to
      any
      matter covered in this Lease, and no prior agreements or understandings shall
      be
      effective for any purpose. No provisions of this Lease may be amended or added
      to except by an agreement in writing signed by the parties hereto or their
      respective successors in interest. This Lease shall not be effective or binding
      on any party until fully executed by both parties and delivered by each party
      to
      the other.

    

    X.
      No
      representation or recommendation has been made by Landlord or the real estate
      broker or its agents or employees either as to the legal sufficiency, legal
      effect, or tax consequences of this Lease or the transactions relative
      thereto.

    

    Y.
      In the
      event of any action or proceeding brought by either party against the other
      under this Lease, the prevailing party shall be entitled to recover all costs
      and expenses including the fees of its attorneys in such amount as the court
      may
      adjudge reasonable.

    

    Z.
      Tenant
      shall not use the name of the Building for any purpose other than as an address
      of the business to be conducted by the Tenant in the Premises. Tenant shall
      not
      use photographs, television or movie film of the Building for advertising or
      other promotional purposes.

     

    
      
        
        

      

      
        -28-

        
          

        

      

      
        
        

      

    

    

    AA.
      Except for signage outside of its office suite, Tenant shall not install, paint,
      display, place or affix any sign, picture, advertisement or notice on any part
      of the outside of the Building or in the interior of the Leased Premises which
      is visible from the outside of the Building or from outside of the Leased
      Premises. Landlord will prescribe a uniform pattern of identification signs
      for
      tenants to be placed in the corridors outside of the Leased
      Premises.

    

    BB.
      Whenever and to the extent that Landlord shall be unable to fulfill, or shall
      be
      delayed or restricted in the fulfillment of any obligation hereunder in respect
      to the supply or provision of any service or utility or the doing of any work
      or
      the making of any repairs by reason of being unable to obtain the material,
      goods, equipment service, utility or labor required to enable it to fulfill
      such
      obligation or by reason of any statute, law or any regulation or order passed
      or
      made pursuant thereto or by reason of the order or direction of any
      administrator, controller or board, or any governmental officer or other
      authority, or by reason of not being able to obtain any permission or authority
      required thereby, or during periods of inspection, alteration or improvement
      of
      the Building, or by reason of any other cause beyond its control, whether of
      the
      foregoing character or not, Landlord shall be entitled to extend the time of
      fulfillment of such obligation by a time equal to the duration of such delay
      or
      restriction, and Tenant shall not be entitled to compensation for any
      inconvenience, nuisance or discomfort thereby occasioned.

     

    
      
        
        

      

      
        -29-

        
          

        

      

      
        
        

      

    

     

    IN
      WITNESS WHEREOF, the parties hereto have executed this Lease on the dates
      specified by their respective signatures.

    

    LANDLORD:
      FOREST PARK REALTY INVESTMENTS, LLC

    

    

    By              
      /s/ Joseph
      Fried                                                         
    

    Joseph
      Fried - Managing Agent

    Address:  
      1600
      Broadway, Suite #1550

    Denver,
      CO 80202

    

    TENANT: PATRIA
      CORPORATION, INC.

    

    

    By:            
       /s/ James
      Foster                                                            
  

    James
      Perez
      Foster                                   
 - Chairman

    

     

    By:             
      /s/ Robert
      Fenton                                                           

    Robert
      Fenton                                           
 - President 

     

    
      
        
        

      

      
        -30-

        
          

        

      

      
        
        

      

    

    

    EXHIBIT
      "A"

    TO

    FOREST
      PARK OFFICE LEASE

    FLOOR
      PLAN

     

     

     

     

    
      
        
        

      

      
        -31-

        
          

        

      

      
        
        

      

    

     

    EXHIBIT
      "B"

    TO

    FOREST
      PARK OFFICE LEASE

    LEGAL
      DESCRIPTION

    

    

    5350
      LEETSDALE DRIVE

    

    All
      that
      part of Lots 1 and 2, Booths Subdivision, City and County of Denver, State
      of
      Colorado, described as follows: Beginning at the Southeast corner said Lot
      2;
      thence Westerly along the South line of said Lot 2, 276.60 feet; thence
      Northerly parallel to the East line of said Lot 2, 190.08 feet; thence
      Northeasterly on an angle to the right of 13°15'19",
      232.16 feet to a point on the Southerly right of way line of Leetsdale Drive;
      thence Southeasterly along said Southerly right of way line 229.48 feet of
      said
      Lots 1 and 2, 362.70 feet to the Point of Beginning. Contains 2.37 acres, more
      or less.

    

    

    5250
      LEETSDALE DRIVE

    

    All
      that
      part of Lots 1 and 2, Booths Subdivision, City and County of Denver, State
      of
      Colorado, described as follows: Beginning at the Southwest corner of said Lot
      2;
      thence Easterly along the South line of said Lot 2, 16.00 feet to the True
      Point
      of Beginning; thence continuing Easterly along the South line of said Lot 2,
      339.6 feet more or less to a point 276.60 feet West of the Southeast corner
      of
      said Lot 2; thence Northerly, parallel to the East line of said Lot 2, 190.08
      feet; thence Northeasterly on an angle to the right of 13°15'19",
      232.16 feet to a point on the Southerly right of way line of Leetsdale Drive;
      thence Northwesterly along said Southerly right of way line 404.51 feet to
      a
      point on Southeasterly line of a parcel described in Book 2126 at Page 507;
      thence Southwesterly along said Southeasterly line 18.30 feet to a point on
      the
      West line of said Lot 1; thence Southerly along the West line of said Lots
      1 and
      2, 258.41 feet; thence Southeasterly on an angle to the left of 03°48'51",
      240.53 feet to the True Point of Beginning. Contains 3.939 acres, more or
      less.

     

    
      
        
        

      

      
        -32-

        
          

        

      

      
        
        

      

    

    EXHIBIT
      "C"

    TO

    FOREST
      PARK OFFICE LEASE

    RULES
      AND REGULATIONS

    

    The
      Rules
      and Regulations set forth in this Exhibit shall be and hereby are made a part
      of
      the Lease to which they are attached. Whenever the term "Tenant" is used in
      these Rules and Regulations, it shall be deemed to include Tenant, its employees
      or agents, and any other persons permitted by Tenant to occupy or enter the
      Premises. The following Rules and Regulations may from time to time be modified
      by Landlord.

    

    1.    OBSTRUCTION:

    

    The
      sidewalks, entries, passages, corridors, halls, lobbies, stairways, elevators
      and other common facilities of the Building shall be controlled by Landlord
      and
      shall not be obstructed by Tenant or used for any purpose other than ingress
      of
      egress to and from the Premises. Tenant shall not place any item in any of
      such
      locations, whether or not any such item constitutes an obstruction, without
      the
      prior written consent of Landlord. Landlord shall have the right to remove
      any
      obstruction or any such item without notice to Tenant and at the expense of
      Tenant.

    

    2.    ORDINARY
      BUSINESS HOURS:

    

    The
      ordinary business hours of the Building shall be from 7:00 A.M. to 6:00 P.M.,
      Monday through Friday of each week, and from 7:00 A.M. to 12:00 Noon on
      Saturday, if requested by Tenant, excluding the legal holidays of New Years'
      Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day and Christmas
      Day.

    

    3.    DELIVERIES:

    

    Tenant
      shall insure that all deliveries of supplies to the Premises shall be made
      only
      upon the elevator designated by Landlord for deliveries and only during the
      ordinary business hours of the Building.

    

    4.    MOVING:

    

    Furniture
      and equipment shall be moved in or out of the Building only upon the elevator
      designated by Landlord for moving, and then only during such hours and in such
      manner as may be prescribed by Landlord. Landlord shall have the right to
      approve or disapprove the movers or moving company employed by Tenant, and
      Tenant shall cause such movers to use only the loading facilities and elevator
      designated by Landlord.

    

    5.    HEAVY
      ARTICLES:

    

    No
      safe
      or article, the weight of which may, in the reasonable opinion of the Landlord,
      constitute a hazard or damage to the Building or its equipment shall be moved
      into the Premises. Safes and other heavy equipment, the weight of which will
      not
      constitute a hazard or damage the Building or its equipment shall be moved
      into,
      from or about the Building only during such hours and in such manner as shall
      be
      prescribed by Landlord, and Landlord shall have the right to designate the
      location of such articles in the Premises.

     

    
      
        
        

      

      
        -33-

        
          

        

      

      
        
        

      

    

    

    6.    NUISANCE:

    

    Tenant
      shall not do or permit anything to be done on the Premises or in the Building
      or
      bring or keep anything therein which would in any way constitute a nuisance
      or
      waste, or obstruct or interfere with the rights of other tenants of the
      Building, or in any way injure or annoy them, or conflict with the laws relating
      to fire, or with any regulations of the fire department, or with any insurance
      policy upon the Building or any part thereof, or conflict with any of the laws,
      codes, rules or ordinances of any governmental authority having jurisdiction
      over the Building.

    

    7.    BUILDING
      SECURITY:

    

    Landlord
      may restrict access to and from the Premises and the Building outside the
      ordinary business hours of the Building for reasons of building security.
      Landlord may require identification of persons entering and leaving the Building
      and, for this purpose, may issue building passes to tenants of the
      Building.

    

    8.    PASS
      KEY:

    

    The
      Building Manager may at all times keep a pass key to the Premises, and he and
      other agents of the Landlord shall during normal business hours (or outside
      business hours in the event of an emergency) be allowed admittance to the
      Premises; subject, however, to Tenant's reasonable security requirements which
      may prohibit access except when accompanied by Tenant's authorized security
      personnel.

    

    9.    LOCKS
      AND KEYS FOR PREMISES:

    

    Subject
      always to Tenant's reasonable security requirements, no additional lock or
      locks
      shall be placed by Tenant on any door in the Building and no existing lock
      shall
      be changed unless written consent of Landlord shall first have been obtained.
      A
      reasonable number of keys to the Premises and to the toilet rooms, if locked
      by
      Landlord, will be furnished by Landlord, and Tenant shall not have any duplicate
      key made. At the termination of this tenancy, Tenant shall promptly return
      to
      Landlord all keys to offices and toilet rooms.

    

    10.    USE
      OF WATER FIXTURES:

    

    Water
      closets and other water fixtures shall not be used for any purpose other than
      that for which the same are intended, and any damage resulting to same from
      misuse on the part of Tenant shall be paid for by Tenant. No person shall waste
      water in any manner.

     

    
      
        
        

      

      
        -34-

        
          

        

      

      
        
        

      

    

    

    11.    NO
      ANIMALS OR EXCESSIVE NOISE:

    

    With
      the
      exception of seeing eye dogs for the blind, no animals shall be allowed in
      the
      offices, halls, corridors or elevators of the Building. No person shall disturb
      the occupants of this or adjoining buildings or space by the use of any radio
      or
      musical instrument or by the making of loud or improper noises.

    

    12.    BICYCLES:

    

    Bicycles
      or other vehicles shall not be permitted anywhere inside or on the sidewalks
      outside of the Building, except in those areas designated by Landlord for
      bicycle parking.

    

    13.    TRASH:

    

    Tenant
      shall not allow anything to be placed on the outside of the building, nor shall
      anything be thrown by Tenant out of the windows or doors or down the corridors,
      elevator shafts, or ventilating ducts or shafts of the Building. All trash
      shall
      be placed in receptacles provided by Tenant on the Premises or in any receptacle
      provided by Landlord for the Building.

    

    14.    WINDOWS:

    

    No
      windows, shades, blinds, screens or draperies will be attached or detached
      by
      Tenant, and no awnings shall be placed over the windows without Landlord's
      prior
      written consent. Tenant agrees to abide by Landlord's rules with respect to
      maintaining uniform curtains, draperies and linings at all windows and hallways
      so that the Building will present a uniform exterior appearance. Tenant will
      use
      its best efforts to have all curtains, draperies and blinds closed at the end
      of
      each day in order to help conserve energy. Except in the case of fire or other
      emergency, Tenant shall not open any outside window because the opening of
      windows interferes with the proper functioning of the Building heating and
      air
      conditioning systems.

     

    15.    HAZARDOUS
      OPERATIONS AND ITEMS:

    

    Tenant
      shall not install or operate any steam or gas engine or boiler, or carry on
      any
      mechanical business in the premises without Landlord's prior written consent,
      which consent may be withheld in Landlord's absolute discretion. The use of
      oil,
      gas, or flammable liquids for heating, lighting or any other purpose is
      expressly prohibited. Explosives or other articles deemed extra hazardous shall
      not be brought into the Building.

    

    16.    HOURS
      FOR REPAIR, MAINTENANCE AND ALTERATIONS:

    

    Any
      repairs, maintenance and alterations required or permitted to be done by Tenant
      under the Lease shall be done only during the ordinary business hours of the
      Building unless Landlord shall have first consented to such work being done
      outside of such times. If Tenant desires to have such work done by Landlord's
      employees on Saturdays, Sundays, holidays or weekdays outside of ordinary
      business hours, Tenant shall pay the actual extra cost of such
      labor.

     

    
      
        
        

      

      
        -35-

        
          

        

      

      
        
        

      

    

    

    17.    NO
      DEFACING OF PREMISES:

    

    Except
      as
      permitted by Landlord, Tenant shall not mark upon, paint signs upon, cut, drill
      into, drive nails or screws into, or in any way deface the walls, ceilings,
      partitions or floors of the Premises or of the Building, and any defacement,
      damage or injury caused by Tenant shall be paid for by Tenant. Northwithstanding
      the foregoing, Tenant may hang framed art, calendars, schedules, whiteboards
      and
      other reasonable office decorations, but shall at the end of the lease term
      repair or patch any holes.

    

    18.    CHAIR
      PADS:

    

    During
      the entire term of this Lease, Tenant shall, at its expense, install and
      maintain under all caster chairs a chair pad or carpet casters to protect the
      carpeting.

    

    19.    SOLICITATION,
      FOOD AND BEVERAGES:

    

    Landlord
      reserves the right to restrict, control or prohibit canvassing, soliciting
      and
      peddling within the Building. Tenant shall not grant any concessions, licenses,
      or permission for the sale or taking of orders for food, beverages, services
      or
      merchandise in the Building, nor install nor permit the installation or use
      of
      any machine or equipment for dispensing food, beverages, services or
      merchandise, nor permit the preparation, serving, distribution or delivery
      of
      food, beverages, services or merchandise without the approval of Landlord and
      in
      compliance with arrangements prescribed by Landlord.

    

    20.    SIGNS
      AND GRAPHICS:

    

    No
      sign,
      placard, picture, advertisement, name or notice shall be inscribed, displayed
      or
      printed or affixed on or to any part of the outside of the Building without
      the
      written consent of Landlord, which consent shall not be unreasonably withheld,
      and Landlord shall have the right to remove any such sign, placard, picture,
      advertisement, name and notice without notice to and at the expense of Tenant.
      At all times and at its sole discretion, Landlord shall have the express right
      to control signage outside or inside the Building.

    

    21.    JANITORIAL
      SERVICE:

    

    Except
      when necessary for Tenant security reasons, Tenant shall not employ any person
      other than the janitor of Landlord for the purpose of cleaning the Premises
      unless otherwise agreed to by Landlord. Except with the written consent of
      Landlord, no person or persons other than those approved by Landlord shall
      be
      permitted to enter the Building for the purpose of cleaning the same. Tenant
      shall not cause any unnecessary labor by reason of Tenant's carelessness or
      indifference in the preservation of good order and cleanliness.

     

    
      
        
        

      

      
        -36-

        
          

        

      

      
        
        

      

    

    

    22.    ENERGY
      CONSERVATION:

    

    Tenant
      shall see that the doors of the Premises are closed and securely locked before
      leaving the Building, and must observe strict care and caution that all water
      faucets or water apparatus are entirely shut off before Tenant or Tenant's
      employees leave the Building, and that all electricity shall likewise be
      carefully shut off, so as to prevent waste or damage, and for any default or
      carelessness Tenant shall make good all injuries sustained by other tenants
      or
      occupants of the building or Tenant.

    

    23.    ADDITIONS
      AND AMENDMENTS:

    

    Landlord
      reserves the right to make such reasonable additions and amendments to these
      Rules and Regulations as in its judgment may from time to time be needful and
      desirable for the safety, security, care, efficiency and preservation of good
      order therein.

     

    
      
        
        

      

      
        -37-

        
          

        

      

      
        
        

      

    

    

    EXHIBIT
      "D"

    TO

    FOREST
      PARK OFFICE LEASE

    REFURBISHING
      ADDENDUM

    SUITE
      #G-120 - 5350 LEETSDALE DRIVE

    PATRIA
      CORPORATION, INC.

    

    

    

    
      	
              Tenant
                Finish:

            	
              Premises
                are leased “as is”, except that Landlord will provide and pay for new
                standard building carpet and paint throughout the premises (color
                choice
                by Tenant). Landlord shall also provide and pay for the following
                finish
                work:

            

    

    

    
      	 	
              a.

            	
              Landlord
                will remove the two HVAC units and concrete pads located in the window
                well outside the premises so that the window well area can be
                landscaped;

            

    

    
      	 	
              b.

            	
              Landlord
                will remove equipment and false flooring in the “data center” portion of
                the premises;

            

    

    
      	 	
              c.

            	
              Landlord
                will remove the data center fire suppression system in the “utility” room
                (near the entry corridor within the
                premises);

            

    

    
      	 	
              d.

            	
              Landlord
                will remove interior walls/doors to data center and utility room,
                leaving
                only one office adjacent to the entry hall;
                and

            

    

    
      	 	
              e.

            	
              Landlord
                will replace “blacked-out” window in data center with typical glass
                window.

            

    

    

    Any
      and
      all other tenant finish work or improvements, except as provided herein, shall
      be at Tenant’s cost. Tenant shall obtain Landlord’s written consent to any such
      work. Tenant may only use a licensed contractor approved by Landlord and any
      such work shall not interfere with the peaceful possession of other tenants
      in
      the building.

    

    Tenant
      will hold Landlord harmless from any and all claims for unpaid labor and
      materials by any contractor or vendor in connection with any tenant finish
      work
      or other improvements undertaken by Tenant for the premises.

     

    
      
        
        

      

      
        -38-

        
          

        

      

      
        
        

      

    

    EXHIBIT
      "E"

    TO

    FOREST
      PARK OFFICE LEASE

    ADDITIONAL
      PROVISIONS

    

    

    
      	
              1.

            	
              While
                this Lease is in effect, so long as Tenant is not in default and
                is in
                full compliance with the provisions of the lease, Landlord will not
                lease
                space or permit the sublease of space in the building at 5350 Leetsdale
                Drive to any branch bank with depository
                services.

            

    

    

    
      	
              2.

            	
              Option
                to Renew.
                So long as Tenant is not in default under the Lease, Tenant shall
                have the
                right to extend the term of this Lease for two additional periods
                of five
                (5) years each on the same terms and conditions as herein contained,
                except as hereinafter set forth, by giving written notice to Landlord
                at
                least three months before the expiration of the then existing term
                of this
                Lease. The basic monthly rental for each option period shall be determined
                as follows: Within thirty (30) days next following receipt by Landlord
                of
                Tenant's notice of its intent to renew, the Landlord shall provide
                Tenant
                the proposed rental rate which shall equal the average of the then
                current
                rental rates paid by all exiting tenants occupying less than 10,000
                feet
                at the property. Tenant shall within ten (10) days thereafter advise
                Landlord as to whether or not it still wishes to renew its lease
                based on
                the rental rate for these premises given by Landlord to Tenant. Renewal
                of
                the Lease shall be in an "as is" condition with all tenant finish
                work to
                be Tenant's responsibility.

            

    

    

    
      	
              3.

            	
              Tenant
                hereby warrants that NO
                real estate broker except for Peter Whitaker of David/Hicks Brokerage
                has
                represented or will represent it in this transaction and that no
                finder's
                fees have been earned by a third party. Tenant acknowledges that
                Forest
                Park Realty Investments, LLC and its agents are agents of Landlord
                and are
                not representing Tenant in this
                transaction.

            

    

    

    
      	
              4.

            	
              Notwithstanding
                anything to the contrary, Tenant shall be responsible for any alterations,
                modifications or improvements to the Premises which may be required
                under
                the Americans with Disabilities Act (ADA) to the extent such are
                required
                as a result of any alterations or improvements other than the initial
                build out of the premises or are part of additions made to the Premises
                by
                or on behalf of Tenant, or as a result of Tenant employing any individual
                with a disability as defined by the
                ADA.

            

    

    

    
      	
              5.

            	
              Landlord
                and Tenant acknowledge that Tenant is in the process of submitting
                all
                necessary paperwork to the regulatory agencies (OCC, etc.) to obtain
                a
                license to operate a bank on the premises. Tenant shall provide Landlord
                with proof of its application prior to occupancy of the premises.
                Tenant
                shall also provide Landlord with proof of approval of its application
                and
                acceptance of its bank charter once the OCC has issued a license
                to Tenant
                to operate as a bank on the premises. Tenant shall not operate any
                bank or
                depository services on the premises without such approval. Tenant’s
                failure to obtain such approval from the OCC within one year of the
                inception of the Lease shall negate any rights Tenant may be been
                awarded
                to exclusively operate a bank as listed in Section 1.
                

            

    

    

    
      	
              6.

            	
              Notwithstanding
                any other provisions contained in this Lease, in the event that Tenant
                or
                its successors or assignees shall become insolvent or bankrupt, or
                if or
                their interest under this Lease shall be levied upon or sold under
                execution or other legal process by any depository institution supervisory
                authority (“Authority”), Landlord may in either such event, terminate this
                Lease only with the concurrence of any receiver or liquidator appointed
                by
                such Authority, provided, that in the event this lease is terminated
                by
                the receiver or liquidator, the maximum claim of Landlord for rent
                damages
                or indemnity for inquiry resulting from the termination, rejection
                or
                abandonment of the unexpired Lease shall be by law no greater than
                an
                amount equal to all accrued and unpaid rent to the date of termination;
                provided further that to continue the Lease, any receiver or liquidated
                appointed by such Authority or assignee must continue to honor the
                terms
                of the Lease.

            

    

     

     

    
      
        
        

      

      -39-EXHIBIT
      10.14

    

    INFORMATION
      TECHNOLOGY SERVICES AGREEMENT

    BETWEEN

    FIDELITY
      INFORMATION SERVICES, INC.

    And

    SOLERA
      BANK, N.A. (IO)

    

    THIS
      AGREEMENT by and between Fidelity
      Information Services, Inc.,
      an
      Arkansas corporation with offices located at 601 South Lake Destiny Road, Suite
      300, Maitland, Florida 32751 (“Fidelity”) and Solera
      Bank, N.A. (IO),
      with
      offices located at 6920 W. 38th
      Avenue,
      Wheat Ridge, Colorado 80033 (“Customer”) (each of Fidelity and Customer, a
“party,” and collectively, the “parties”) is made as of the later of the dates
      on which the parties sign below (“Effective Date”).

    

    The
      parties have agreed to certain General Terms and Conditions as more particularly
      identified below and attached hereto (“General Terms”). The parties agree that
      the General Terms shall be incorporated by reference to each Schedule identified
      below and attached hereto (“Schedule”) as well as to such additional Schedule(s)
      as may be agreed to by the parties from time to time, provided however, that
      each such Schedule explicitly incorporates these General Terms. 

    

    The
      parties acknowledge that each has reviewed the version number, as set forth
      below, used to identify the General Terms and the Schedule(s) attached hereto
      and confirm that said version number is the correct version of the General
      Terms
      and Schedule(s) to which each party has agreed.

    

    The
      parties hereby agree that each Schedule combined with the General Terms and
      this
      Signature Page constitutes a separate and independent legal agreement between
      the parties (“Agreement”).

      

    
      
        	x	
                GENERAL
                  TERMS AND CONDITIONS

              	
                (GTC104v1
                  dated 01/22/06)
                  

              
	x	
                BancPac
                  Service Bureau Processing Schedule 

              	
                (SCHBNCPCSB100v1
                  dated 01/22/06)

              
	x	
                Software
                  License Schedule 

              	
                (SCHLIC104v1
                  dated 01/22/06)

              
	x	
                Software
                  Maintenance Schedule 

              	
                (SCHMAINT103v1
                  dated 01/22/06)

              
	x	
                Item
                  Processing Services Schedule 

              	
                (SCHIP100v1
                  dated 01/22/06)

              
	x	
                Equipment
                  Purchase Schedule 

              	
                (SCHBPEQPURCH100v1
                  dated 01/22/06)

              
	x	
                Network
                  Services Schedule 

              	
                (SCHNS102v1
                  dated 01/22/06)

              
	x	
                Internet
                  Banking Services Schedule 

              	
                (SCHIB103v1
                  dated
                  01/22/06)

              
	x	
                Electronic
                  Bill Payment Services Schedule 

              	
                (SCHCFBP101v1
                  dated 01/22/06)

              
	x	
                Website
                  Development and Hosting Services Schedule 

              	
                (SCHWEB101v1
                  dated 01/22/06)

              
	x	
                Electronic
                  Funds Transfer Services Schedule 

              	
                (SCHEFT102v1
                  dated
                  01/22/06)

              

      

THE
      AUTHORIZED OFFICER OR REPRESENTATIVE OF EACH PARTY has signed this Agreement
      as
      a legally binding obligation of such party.

     

    
      	FIDELITY INFORMATION
              SERVICES, INC.	 	SOLERA
              BANK, N.A. (IO)
	 	 	 	 	 
	By:	
                 
                

            	 	By: 	
              /s/
                Robert Fenton

            
	Name:	 Gary
              Norcross	 	Name:	 Robert
              Fenton
	Title:	
               President,
                Integrated Financial Solutions

            	 	Title:	
               EVP,Chief
                Operating Officer(Proposed)

            
	Date:	
                    
                

            	 	Date:	
               March
                22, 2006

            

    

     

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

                       

    
      GENERAL
        TERMS AND CONDITIONS

      

      These
        General Terms and Conditions (“General Terms”) shall apply to and be
        incorporated by reference into each and every Signature Page and Schedule
        between Fidelity Information Services, Inc. of Maitland,
        Florida (“Fidelity”) and Solera Bank, N.A. (IO) of Wheat Ridge,
        Colorado (“Customer”) (each of Fidelity and Customer, a “party,” and
        collectively, the “parties”) and shall be coterminous with each such Schedule
        provided however that each such Signature Page and Schedule explicitly
        incorporates by reference these General Terms. 

       

      1.    DEFINITIONS

      

      Except
        as may be modified in any Addenda to these General Terms, a Schedule or
        attachment thereto, the following defined terms shall have the meanings ascribed
        to them below.

      

      
        	 	
                1.1

              	
                “Adjustment
                  Date” shall mean the first of
                  the month in which the anniversary of the Commencement Date, as
                  defined in
                  each Schedule, falls each year.

              

      

      

      
        	 	
                1.2

              	
                “Affiliate”
                  shall mean a company which owns or controls, directly or indirectly,
                  a
                  majority of the stock of one of the parties, or a company whose
                  stock is
                  owned or controlled, directly or indirectly, by one of the parties
                  or its
                  parent.

              

      

      

      
        	
              	1.3	
                “Agreement”
                  shall be as defined on the applicable Signature
                  Page.

              

      

      

      
        	 	
                1.4

              	
                “Attachment”
                  shall mean the document setting forth the fees for contracted products
                  and/or services as described in the Schedule and which is attached
                  to such
                  Schedule and may be numbered. 

              

      

      

      
        	 	
                1.5

              	
                “Commencement
                  Date”
                  shall be specifically defined in the appropriate Schedule(s) describing
                  an
                  item of Software, Third Party Software, Equipment or a Service
                  to be
                  provided to Customer. 

              

      

      

      
        	 	
                1.6

              	
                “Confidential
                  Information”
                  shall mean all information of a non-public nature including Customer
                  Proprietary Information and Fidelity Proprietary Information.
                  “Confidential Information” shall also include all “non-public personal
                  information” as defined in Title V of the GLB Act that Fidelity receives
                  from or at the direction of Customer and that concerns any of Customer’s
                  “customers” and/or “consumers” (as defined in the GLB
                  Act).

              

      

      

      
        	 	
                1.7

              	
                “CPI-U”
                  shall mean Consumer Price Index for All Urban Consumers-Other Goods
                  and
                  Services as published by the U.S. Department of Labor, Bureau of
                  Labor
                  Statistics.

              

      

      

      
        	 	
                1.8

              	
                “Customer”
                  shall mean the financial institution, company or entity other than
                  Fidelity listed on the Signature
                  Page.

              

      

      

      
        	 	
                1.9

              	
                “Customer Proprietary
                  Information”
                  shall mean all of Customer’s data, output, and any Customer-provided
                  software, if applicable, and any modifications to the
                  foregoing.

              

      

      

      
        	 	
                1.10

              	
                “Equipment”
                  shall mean the hardware that may be identified in a Schedule and/or
                  Attachment as being sold or leased to Customer pursuant to the
                  terms of
                  such Schedule.

              

      

      

      
        	 	
                1.11

              	
                “Escalation
                  Procedures”
                  shall mean the procedures set forth in Section 16.3 of these General
                  Terms
                  and Conditions.

              

      

       

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      
        	 	
                1.12

              	
                “Expiration
                  Date” shall mean the last day of the Initial Term or of the
                  then-current Renewal Term.

              

      

      

      
        	 	
                1.13

              	
                “Fidelity
                  Proprietary Information”
                  shall mean specifications, manuals, tapes, programs, file formats,
                  user
                  documentation, and the Software and other materials belonging to,
                  developed by, and/or furnished to Customer by Fidelity and any
                  enhancements or modifications to the
                  foregoing.

              

      

      

      
        	 	
                1.14

              	
                “GLB
                  Act”
                  shall mean the Gramm-Leach-Bliley Act (15 U.S.C. Section 6801,
                  et seq.)
                  and the implementing regulations thereunder, as the same may be
                  amended
                  from time to time.

              

      

       

      
        	 	
                1.15

              	
                “Initial
                  Term” shall be set forth in the applicable
                  Schedule.

              

      

      

      
        	 	
                1.16

              	
                “Press
                  Release”
                  shall mean any news release, public announcement, news media response
                  or
                  other form of release of information concerning this Agreement
                  or the
                  transactions contemplated hereby that is intended to provide such
                  information to the news media or the
                  public.

              

      

      

      
        	
              	1.17	
                “Renewal
                  Term”
                  shall be set forth in the applicable Schedule.

              

      

      

      
        	 	
                1.18

              	
                “Schedule(s)”
                  shall mean each of the separate schedule(s) which further describe
                  the
                  products and/or services being provided to Customer by Fidelity
                  and to
                  which these General Terms apply.

              

      

      

      
        	 	
                1.19

              	
                “Services”
                  shall mean the services that are described in a Schedule, including,
                  not
                  limited to, data processing, support, recovery, and/or consulting
                  services.

              

      

      

      
        	 	
                1.20

              	
                “Signature
                  Page”
                  shall be the cover page attached to these General Terms and/or
                  each
                  Schedule which requires a signature by each of the parties. A separate
                  Signature Page shall be signed each time the parties agree to add
                  another
                  Schedule to these General Terms which shall more specifically identify
                  the
                  Schedule being attached.

              

      

      

      
        	 	
                1.21

              	
                “Software”
                  shall mean the object code version of the proprietary computer
                  programs of
                  Fidelity that may be identified in a Schedule and/or Attachment
                  as being
                  licensed to Customer pursuant to the terms of such Schedule and/or
                  Attachment.

              

      

       

      
        	
              	1.22	
                “Term”
                  shall be as set forth in the applicable Schedule.
                  

              

      

      

      
        	 	
                1.23

              	
                “Termination
                  Date”
                  shall be the last day that a product(s) or service(s) is being
                  provided to
                  Customer by Fidelity.

              

      

      

      
        	 	
                1.24

              	
                “Third
                  Party Software”
                  shall mean the object code version of the proprietary computer
                  programs of
                  a third party that may be identified in a Schedule and/or Attachment
                  as
                  being licensed by Customer pursuant to the terms of such Schedule.
                  

              

      

      

      2.    TERMINATION
        AND RENEWAL

       

      2.1 Right
        to Terminate.
        Either party may elect to terminate this Agreement if: (a) the other party
        fails
        to cure any material default hereunder within ninety (90) days after receipt
        of
        written notice from the non-defaulting party, which notice shall specify
        the
        nature and extent of any such material default (except for a default caused
        by
        nonpayment by Customer which is addressed in Section 3.3 or for a material
        breach of the confidentiality obligations as set forth in Section 9); or
        (b) the
        other party ceases to do business, makes a composition or assignment for
        the
        benefit of creditors, becomes bankrupt or insolvent, or is found subject
        to any
        provisions of the bankruptcy code concerning involuntary bankruptcy or similar
        proceeding.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      2.2 Method
        of Termination.
        Exercise of the right to terminate under Section 2.1 must be accomplished
        by
        written notice (in accordance with Section 17.2) to the defaulting party,
        specifying the basis for such termination, and fixing the Termination Date
        which
        shall be a date following the date of such notice. If either party is
        terminating under Section 2.1 (a) above, in which the other party has failed
        to
        cure a default, such written notice shall allow one hundred eighty (180)
        days
        following the date of such notice for complete termination of Services unless
        otherwise specified in a Schedule. If either party is terminating under Section
        2.1 (b) above, no notice of default or cure period is required and such written
        notice will allow thirty (30) days following the date of such notice for
        complete termination of this Agreement.

      

      2.3 No
        Waiver of Default.
        The
        failure of either party to exercise any right of termination hereunder shall
        not
        constitute a waiver of the rights granted herein with respect to any subsequent
        default.

      

      2.4 Extended
        Services.
        Any
        services that are provided to Customer after the expiration or termination
        of
        this Agreement, for which a written agreement has not been entered into by
        the
        parties, shall be provided by Fidelity on a month-to-month basis subject
        to the
        terms and conditions of this Agreement, except that the fees for such services
        shall be one hundred twenty-five percent (125%) of Fidelity’s then-current
        standard fees.

      

      2.5 Liquidated
        Damages.
        If this
        Agreement is terminated by Customer for any reason other than as permitted
        under
        Section 2.1, Customer shall pay to Fidelity, as liquidated damages and in
        addition to all unpaid amounts due and owing to Fidelity under this Agreement
        from the Effective Date up to and including the Termination Date, (i) a fee
        equal to the remaining fees due under this Agreement from the day immediately
        following the Termination Date through the end of the Term or then current
        Renewal Term had the termination not occurred; (ii) with respect to any
        transaction-based services, an amount equal to the average of all
        transaction-based fees paid by Customer on average per month during the six
        (6)
        month period immediately preceding the Termination Date, multiplied by the
        number of months remaining in the Term or the then current Renewal Term;
        (iii)
        any termination and shutdown costs incurred by Fidelity; and
        (iv)
        the
        then net book value of all software and hardware acquired by Fidelity to
        perform
        the Services hereunder on Customer’s behalf during the Term or any Renewal Term,
        if any.
        No
        refund of fees shall be made to Customer. Termination and shutdown costs
        may
        include, but are not necessarily limited to: costs actually incurred by Fidelity
        to cancel leases, licenses, subcontractor or other similar agreements, and
        costs
        associated with termination and/or relocation of dedicated resources. Fidelity
        shall use its reasonable efforts to mitigate the termination and shutdown
        costs.

      

      2.6 Date
        Fees are Payable.
        All known fees described in this Section 2 are due and payable prior to the
        earlier of (a) sixty (60) days prior to the Termination Date or (b) the release
        of any data in Fidelity’s possession to Customer. Any fees not known as of the
        date notice is given will be invoiced to Customer as they are incurred by
        Fidelity. Furthermore, in addition to the fees described in this Section
        2,
        Customer shall continue to make all payments due and payable to Fidelity
        pursuant to this Agreement for any Services rendered through the Termination
        Date. The fees described in this Section 2 are exclusive of any fees associated
        with deconversion.

      

      2.7 Return
        of Fidelity
        Data. Upon termination of these General Terms or any
        Schedule attached hereto, Customer will, at its expense, promptly return
        to
        Fidelity or destroy all copies of written or electronic materials, maintenance
        and policy manuals and other publications of Fidelity relating to the Services
        being so terminated (collectively "Copies"). Customer will destroy all Copies
        contained on any hard drive or other fixed medium of storage. Within sixty
        (60)
        days from the date of termination of these General Terms or any Schedule
        attached hereto, an officer of Customer will certify in writing to Fidelity
        that
        Customer has complied with all requirements of this Section. 

      

      3.    FEES
        AND EXPENSES

      

      3.1 Fees
        Payable to
        Fidelity. The fees payable pursuant to this Agreement are set forth in the
        Schedule and/or Attachment, shall be paid in U.S. Dollars, and shall be due
        to
        Fidelity within thirty (30) days of date of invoice, except as set forth
        in
        Section 2. Customer shall also pay to Fidelity any pass-through costs, fees
        and
        charges imposed upon Fidelity related to the Services provided hereunder.
        All
        payments due to Fidelity hereunder shall, unless otherwise indicated, be
        mailed
        to Fidelity at the remittance address on the invoice. If mutually agreed
        between
        the parties, Customer may alternatively make all payments under this Agreement
        by wire transfer or ACH of immediately available U.S. funds to an account
        or
        accounts designated by Fidelity. In the event that the due date of any payment
        is not a day upon which banks are open in the United States, then the due
        date
        of the payment shall be the next bank business day. Any amount not received
        by
        Fidelity within fifteen (15) days after the payment due date shall be subject
        to
        interest on the balance overdue at a rate equal to the lesser of: (i) the
        prime
        rate plus two percent (2%) per annum, as published in the Wall Street Journal
        on
        the first Monday (or next bank business day) following the payment due date;
        or
        (ii) the highest rate permitted by law, in each case for the number of days
        from
        payment due date up to and including the date payment is actually received
        by
        Fidelity. However, if any amount is not paid when due, Fidelity may, at its
        option, immediately suspend performance hereunder until payment is made,
        in
        addition to any other rights or remedies provided to Fidelity by this Agreement
        or applicable law.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      3.2 Disputed
        Charges.
        Should
        Customer dispute in good faith all or a portion of the amount due on any
        invoice
        or require any adjustment to an invoiced amount, Customer shall notify Fidelity
        in writing prior to the payment due date, of the nature and basis of the
        dispute
        and/or adjustment as soon as possible using the dispute resolution procedures
        set forth in Section 16 of this Agreement. Each party shall use its reasonable
        efforts to resolve the dispute prior to the payment due date. If the parties
        are
        unable to resolve the dispute prior to the payment due date, Customer shall
        nevertheless pay the entire amount to Fidelity by the due date. If it is
        ultimately determined that Customer should not have paid such amount to
        Fidelity, Fidelity shall credit this amount, plus interest in accordance
        with
        Section 16.1 of this Agreement on Customer’s next invoice.

      

      3.3 Monetary
        Default.
        Failure to pay any amount due under this Agreement, excluding disputed charges
        described in Section 3.2, within thirty (30) days of the date of invoice
        shall
        be deemed a monetary default (“Monetary Default”). In the event such Monetary
        Default is not cured within seven (7) business days after written notice
        is
        provided to Customer from Fidelity, then Fidelity may suspend or cancel
        Customer’s use of or access to the Services relating to the Monetary Default and
        may terminate this Agreement and pursue any and all other rights in law or
        equity that Fidelity may have. In addition to the foregoing, in the event
        that
        two (2) monetary defaults occur within any six (6) month period, Fidelity,
        at
        its sole discretion, may change the payment terms (including, but not limited
        to, requiring payment by wire, or requiring payment in advance of Fidelity
        providing or delivering such Services).

      

      3.4 Adjustment
        of Fees. The
        recurring fees, as outlined in the Schedule(s) and/or Attachment(s) (non-pass
        through and non-one-time fees) shall be adjusted annually on the Adjustment
        Date. Fees shall be increased, but not decreased, by the percentage increase
        in
        the CPI-U for the month of December preceding the Adjustment Date over the
        CPI-U
        for the month of December in the immediately preceding year. If additional
        products and/or services are added to the Agreement, the fees for such
        additional products or services shall be adjusted on such Adjustment Date
        in
        accordance with this Section. In the event the CPI-U is unavailable in time
        to
        allow the adjustment to be made on the Adjustment Date, Customer shall continue
        to pay the then-current fees for the Services until the CPI-U is made public,
        at
        which time the adjustment shall be calculated retroactively to the Adjustment
        Date, and Customer shall immediately pay to Fidelity any difference between
        the
        fees actually paid and adjusted fees. The adjustments shall be compounded
        and
        cumulative. In the event the CPI-U is discontinued or revised during the
        Initial
        Term or any Renewal Term, Fidelity shall select another governmental index
        or
        computation as a substitute for the CPI-U in order to obtain substantially
        the
        same result as if the CPI-U had not been discontinued or revised. Fidelity
        reserves the right to adjust at any time, pass-through costs, fees and charges,
        outside its control.

      

      3.5 Payment
        of One-Time
        Fees. Except as may be specifically stated in a Schedule and/or Attachment
        or otherwise mutually agreed by the parties in writing, Customer shall pay
        all
        one-time fees in the following manner: fifty percent (50%) upon Customer’s
        signing of this Agreement and/or as set forth in the Schedule(s), as applicable,
        and the remaining fifty percent (50%) on the Commencement Date.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      3.6 Payment
        of Recurring
        Fees. Fidelity will commence invoicing Customer for
        the recurring fees set forth in the Schedule and/or Attachment on the
        Commencement Date and Customer shall pay such fees as invoiced.

      

      3.7 Travel
        and Expenses.
        Customer shall reimburse Fidelity for all reasonable travel and expenses
        related
        to the performance of any Services provided by Fidelity that require Fidelity
        personnel to travel.

      

      3.8 Mergers
        and
        Acquisitions. At Customer’s request and subject to Section 17.11, Fidelity
        will provide additional licenses, process additional data and perform additional
        Services resulting from any merger, acquisition, affiliation or restructuring
        (regardless of form) involving Customer for fees to be mutually agreed upon
        prior to the time Customer begins using the Software or Services in the expanded
        environment.

      

      4.    TAXES

      

      All
        charges and fees to be paid by Customer under this Agreement are exclusive
        of
        any applicable withholding, sales, use, value added, excise, services or
        other
        United States or foreign tax which may be assessed on the provision of the
        Services. In the event that a withholding, sales, use, value added, excise,
        services or other United States or foreign tax is assessed on the provision
        of
        any of the Services provided to Customer under this Agreement, Customer will
        pay
        directly, reimburse or indemnify Fidelity for such taxes, as well as any
        applicable interest, penalties and other Fidelity fees and expenses. The
        parties
        will cooperate with each other in determining the extent to which any tax
        is due
        and owing under the circumstances, and shall provide and make available to
        each
        other any resale certificates, information regarding out-of-state or country
        use
        of materials, services or sale, and other exemption certificates or information
        reasonably requested by either party. Customer shall not be liable for payment
        of any taxes based on Fidelity’s net income.

      

      5.    FORCE
        MAJEURE

      

      Fidelity
        shall not be liable for any loss, expense, error or delay, including but
        not
        limited to delays in processing of data or delivery of output or items to
        Customer, or any inability to provide Services hereunder, from any cause
        beyond
        its reasonable control and without its fault or negligence, including, but
        not
        limited to, acts of God, acts of civil or military authority, government
        regulations, government agencies, delay or failure to receive any required
        government approvals, embargoes, epidemics, war, terrorist acts, riots,
        insurrections, fires, explosions, earthquakes, nuclear accidents, floods,
        power
        blackouts affecting facilities, unusually severe weather conditions, inability
        to secure products or services of other persons or transportation facilities,
        or
        acts or omissions of transportation carriers or omissions of third parties
        (including but not limited to acts or omissions of any third party service
        provider or equipment vendor, messenger service or telephone carrier). Upon
        the
        occurrence of a condition described in this Section 5, Fidelity shall give
        written notice to Customer describing the affected area of performance, and
        the
        parties shall promptly confer, in good faith, to agree upon equitable,
        reasonable action to minimize the impact, on both parties, of such condition,
        including, without limitation, implementing disaster recovery services. Fidelity
        shall use commercially reasonable efforts to minimize the delay caused by
        force
        majeure events and recommence the performance of Services affected by the
        force
        majeure event. In the event the delay caused by the force majeure event lasts
        for a period of more than thirty (30) days, the parties shall negotiate an
        equitable modification to this Agreement with respect to the Services affected
        by the force majeure event. If the parties are unable to agree upon an equitable
        modification within fifteen (15) days after the expiration of such thirty
        (30)
        day period, then Customer shall be entitled to serve thirty (30) days’ written
        notice of termination to Fidelity. If the force majeure event continues to
        affect performance of Services on the expiration of such thirty (30) day
        notice
        period, the portion of this Agreement relating to the affected Service shall,
        at
        Customer’s option, terminate. The remaining portion of this Agreement that does
        not involve the affected Service shall continue in full force and effect.
        In
        such event Fidelity shall be entitled to be paid for that portion of the
        affected Service that Fidelity has completed or is in the process of completing
        through the Termination Date.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      6.    EXCLUSIONS
        AND LIMITATION OF LIABILITY 

      

      As
        a
        condition precedent to any liability of Fidelity, Customer must notify Fidelity
        in writing of any alleged negligence or breach of this Agreement as promptly
        as
        reasonably possible, but in no event later than five (5) business days following
        the day on which such alleged negligence or breach was, or could reasonably
        have
        been, discovered by Customer. FIDELITY’S LIABILITY, IF ANY, FOR ANY CLAIM, CAUSE
        OF ACTION OR LIABILITY WHETHER SOUNDING IN CONTRACT, TORT OR OTHERWISE ARISING
        UNDER OR IN ANY WAY RELATED TO THIS AGREEMENT, INCLUDING BUT NOT LIMITED
        TO
        LIABILITY FOR PROCESSING ERRORS OR NEGLIGENCE, SHALL BE LIMITED TO (I)
        CUSTOMER’S DIRECT DAMAGES, ACTUALLY INCURRED, WHICH UNDER NO CIRCUMSTANCES SHALL
        EXCEED FIDELITY’S CHARGES DURING THE SIX (6) MONTH PERIOD IMMEDIATELY PRECEDING
        THE DATE OF THE ALLEGED NEGLIGENCE OR BREACH FOR THE PARTICULAR SERVICE TO
        WHICH
        CUSTOMER’S CLAIM PERTAINS OR (II) THE FINANCIAL REMEDIES SPECIFIED IN ANY
        SCHEDULE, IF APPLICABLE, WHICHEVER IS LESS. ALL DAMAGES SHALL BE REDUCED
        BY ANY
        AMOUNT RECEIVED BY CUSTOMER UNDER ANY INSURANCE POLICY COVERING THE EVENT
        GIVING
        RISE TO THE LIABILITY. NOTWITHSTANDING THE FOREGOING, IN NO EVENT SHALL FIDELITY
        BE LIABLE FOR ANY INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL
        DAMAGES OF ANY KIND WHATSOEVER, INCLUDING WITHOUT LIMITATION, CLAIMS FOR
        LOSS OF
        REVENUE OR PROFITS, OR FOR CLAIMS OR DEMANDS MADE BY ANY THIRD PARTIES, EVEN
        IF
        FIDELITY WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. FIDELITY SHALL HAVE
        NO
        LIABILITY, EXPRESS OR IMPLIED, WHETHER ARISING UNDER CONTRACT, TORT OR OTHERWISE
        WHICH RESULTS DIRECTLY OR INDIRECTLY FROM THE INTERNAL OPERATIONS AND
        PERFORMANCE OF ANY CUSTOMER PROVIDED SOFTWARE OR ANY ENHANCEMENT, DEVELOPMENT
        OR
        MAINTENANCE THEREOF.  This Section
        also limits the liability of any agent, employee or Affiliate of
        Fidelity.

      

      7.    REPRESENTATIONS,
        WARRANTIES AND COVENANTS

      

      7.1 No
        Interference with Contractual Relationship.
        Each
        party warrants that, as of the date hereof, it is not subject to any contractual
        obligation that would prevent it from entering into this Agreement. Customer
        and
        Fidelity each further warrant to the other that entering into this Agreement
        shall not cause or induce it to breach any of its other contractual
        obligations.

      

      7.2 Covenant
        of Good Faith.
        Each of
        the parties agrees that, in its respective dealings with each other with
        respect
        to this Agreement, it shall act fairly and in good faith.

      

      7.3 Authorization
        and Effect. Each
        party represents and warrants to the other that the person signing this
        Agreement on behalf of the respective party has the requisite authority to
        do
        so, that both parties have been represented by counsel in their review of
        and
        prior to executing this Agreement and no further assurances are required
        for
        either party to be bound by the terms and conditions of this
        Agreement.

      

      7.4 Customer
        Software. If
        necessary for Fidelity to perform its obligations under this Agreement, Customer
        represents and warrants to Fidelity that any Customer software shall conform
        in
        all material respects with its documentation and specifications. 

      

      7.5 Professional
        and Workmanlike.  
        Each
        party represents and warrants to the other that they shall perform their
        respective obligations under this Agreement in a professional and workmanlike
        manner.

      

      7.6 Exclusive
        Provider. Customer represents and warrants that
        Fidelity, its Affiliates and/or subcontractors will be Customer’s sole and
        exclusive provider of the Services.

      

      7.7 Disclaimer
        of Warranties. EXCEPT
        AS
        SPECIFICALLY PROVIDED IN THIS AGREEMENT, FIDELITY MAKES NO REPRESENTATION
        OR
        WARRANTY OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, INCLUDING BUT NOT LIMITED
        TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE
        OR NON-INFRINGEMENT OF ANY THIRD PARTY RIGHTS WITH RESPECT TO ANY THIRD PARTY
        SOFTWARE OR EQUIPMENT, AND CUSTOMER AGREES THAT ALL SUCH OTHER REPRESENTATIONS
        AND WARRANTIES THAT ARE NOT PROVIDED IN THIS AGREEMENT ARE HEREBY EXCLUDED
        AND
        DISCLAIMED.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      THE
        PARTIES ACKNOWLEDGE THAT FIDELITY HAS SET ITS PRICES AND ENTERED INTO THIS
        AGREEMENT IN RELIANCE UPON THE EXCLUSIONS AND LIMITATIONS OF LIABILITY SET
        FORTH
        IN THIS AGREEMENT AND THE DISCLAIMERS OF WARRANTIES SET FORTH HEREIN, AND
        THAT
        THE SAME FORM AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN THE PARTIES. THE
        PARTIES
        AGREE THAT THE EXCLUSIONS AND LIMITATIONS OF LIABILITY AND DISCLAIMERS OF
        WARRANTIES SPECIFIED IN THIS AGREEMENT WILL SURVIVE AND APPLY EVEN IF FOUND
        TO
        HAVE FAILED OF THEIR ESSENTIAL PURPOSE.

      

      8.    INDEMNIFICATION

       

      8.1 Infringement
        of Fidelity Software.
        Subject
        to Section 6, Fidelity shall defend, at its own expense, any claim or action
        brought by any third party against Customer or against its officers, directors,
        employees, Customer’s
        Affiliates, or agents for actual infringement of any patent, copyright or
        other
        intellectual property right (including, but not limited to, misappropriation
        of
        trade secrets) based upon the Software furnished hereunder by Fidelity to
        provide Services to Customer hereunder. Furthermore, Fidelity shall indemnify
        and hold Customer and the Customer’s
        Affiliates harmless from and against any and all liabilities, losses, costs,
        damages, and expenses (including reasonable attorneys' fees) associated with
        any
        such claim or action incurred by Customer and the Customer’s
        Affiliates. Fidelity shall have the sole right to conduct and control the
        defense of any such claim or action and all negotiations for its settlement
        or
        compromise, unless otherwise mutually agreed to in writing between the parties
        hereto. Fidelity shall give Customer, and Customer shall give Fidelity, as
        appropriate, prompt written notice of any written threat, warning or notice
        of
        any such claim or action against Fidelity or Customer, as appropriate, or
        any
        other user or any supplier of components of the Software, which could have
        an
        adverse impact on Customer’s use of same, provided Fidelity or Customer, as
        appropriate, knows of such claim or action. If, in any such suit so defended,
        all or any part of the Software (or any component thereof) is held to constitute
        an infringement or violation of any other party's intellectual property rights
        and is enjoined, or if in respect of any claim of infringement, and if Fidelity
        deems it advisable to do so, Fidelity shall at its sole option take one or
        more
        of the following actions at no additional cost to Customer: (a) procure the
        right to continue the use of the same without material interruption for
        Customer; (b) replace or modify the Software with non-infringing software
        or
        component thereof without adversely altering its function or performance
        in any
        material way; or (c) take back the infringing Software or component thereof
        and
        credit Customer with an amount equal to the license fee for such Software
        or
        component thereof paid by the Customer. The foregoing represents the sole
        and
        exclusive remedy of Customer with regard to any of the above infringements
        or
        alleged infringements.

      

      8.2 Infringement
        of
        Customer-Provided Software. Customer shall defend, at its own expense, any
        claim or action brought by any third party against Fidelity or against its
        officers, directors, employees, Fidelity’s Affiliates, or agents for actual or
        alleged infringement of any patent, copyright or other intellectual property
        right (including, but not limited to, misappropriation of trade secrets)
        based
        upon the Customer-provided software furnished hereunder by Customer, if any.
        Furthermore, Customer shall indemnify and hold Fidelity and Fidelity’s
        Affiliates harmless from and against any and all liabilities, losses, costs,
        damages, and expenses (including reasonable attorneys’ fees) associated with any
        such claim or action incurred by Fidelity and Fidelity’s Affiliates. Customer
        shall have the sole right to conduct the defense of any such claim or action
        and
        all negotiations for its settlement or compromise, unless otherwise mutually
        agreed to in writing between the parties hereto. Customer shall give Fidelity,
        and Fidelity shall give Customer, as appropriate, prompt written notice of
        any
        written threat, warning or notice of any such claim or action against Fidelity
        or Customer, as appropriate, or any other user or any supplier of components
        of
        Customer-provided software covered hereunder, which could have an adverse
        impact
        on Fidelity’s use of same, provided Fidelity or Customer, as appropriate, knows
        of such claim or action. If in any such suit so defended, all or any part
        of the
        Customer-provided software (or any component thereof) is held to constitute
        an
        infringement or violation of any other party's intellectual property rights
        and
        is enjoined, or if in respect of any claim of infringement, Customer deems
        it
        advisable to do so, Customer shall at is sole option take one or more of
        the
        following actions at no additional cost to Fidelity: (a) procure the right
        to
        continue the use of the same without material interruption for Fidelity;
        (b)
        replace or modify the Customer-provided Software with non-infringing software
        or
        component thereof without adversely altering its function or performance
        in any
        material way; or (c) relieve Fidelity of its obligation to use such
        Customer-provided software to perform the applicable Services hereunder.
        The
        foregoing represents the sole and exclusive remedy of Fidelity with regard
        to
        any of the above infringements or alleged infringements.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      9.    CONFIDENTIAL
        INFORMATION

      

      9.1 Ownership.
        All
        Customer Proprietary Information disclosed by Customer in connection with
        this
        Agreement is and shall remain the sole property of Customer. All Fidelity
        Proprietary Information disclosed in connection with this Agreement is and
        shall
        remain the sole property of Fidelity and shall include any modification,
        enhancement, interface, upgrade, or change, and all software, source code,
        blueprints, diagrams, flow charts, specifications, functional descriptions
        or
        training materials relating thereto.

      

      9.2 Confidentiality
        Obligation. All Confidential Information disclosed by Customer or Fidelity
        to the other during the Initial Term or any Renewal Term shall be: (a) used
        solely for the purposes of administering and otherwise implementing the terms
        of
        this Agreement and (b) protected by the receiving party in accordance with
        the
        terms of this Section 9. For purposes of this Agreement, Fidelity acknowledges
        that the Customer Proprietary Information is “Confidential Information” of
        Customer, and Customer acknowledges that the Fidelity Proprietary Information
        is
“Confidential Information” of Fidelity. “Confidential Information” shall also
        include all “non-public personal information” as defined in Title V of the
        Gramm-Leach-Bliley Act (15 U.S.C. Section 6801, et seq.) and the implementing
        regulations thereunder (collectively, the “GLB Act”), as the same may be amended
        from time to time, that Fidelity receives from or at the direction of Customer
        and that concerns any of Customer’s “customers” and/or “consumers” (as defined
        in the GLB Act).

      

      9.3 Nondisclosure
        Covenant.
        Except
        as set forth in this Section 9, the parties shall not disclose any Confidential
        Information of the other party in whole or in part, including derivations,
        to
        any third party, without the prior written consent of the other party, except
        that Fidelity may disclose Customer’s Confidential Information to Fidelity’s
        subcontractors and agents in order to carry out Fidelity’s responsibilities
        under this Agreement, provided that Fidelity first executes a confidentiality
        agreement with each such subcontractor and/or agent. Confidential Information
        shall be held in confidence by the receiving party and its employees,
        contractors, subcontractors, and agents and shall be disclosed only to those
        of
        the receiving party's employees, contractors, subcontractors or agents who
        have
        a need to know it in connection with the administration and implementation
        of
        this Agreement. Under no circumstances shall Customer disclose the Software
        to,
        or use the Software on behalf of a competitor of Fidelity. The rights and
        obligations of the parties hereto under this Section 9 shall survive any
        termination or expiration of this Agreement.

      

      9.4 Exceptions.
        The
        obligations of this Section 9 shall not apply to any Confidential Information
        which:

      

      
        	 	
                (a)

              	
                is
                  or becomes publicly known through no wrongful act, fault or negligence
                  of
                  the receiving party;

              

      

      

      
        	 	
                (b)

              	
                was
                  known by the receiving party prior to disclosure and the receiving
                  party
                  was not under a duty of
                  nondisclosure;

              

      

      

      
        	 	
                (c)

              	
                was
                  disclosed to the receiving party by a third party who was free
                  of
                  obligations of confidentiality to the party providing the
                  information;

              

      

      

      
        	 	
                (d)

              	
                is
                  approved for release by written authorization of the disclosing
                  party;
                  and

              

      

      

      
        	 	
                (e)

              	
                is
                  furnished to a third party by the disclosing party owning the Confidential
                  Information without a similar restriction on the third party's
                  rights.

              

      

       

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      Notwithstanding
        anything to the contrary contained herein, either party may disclose
        Confidential Information of the other: (1) pursuant to a requirement or official
        request of a governmental agency, a court or administrative subpoena or order,
        or any applicable legislative or regulatory requirement; (2) in defense of
        any
        claim or cause of action asserted against such party or any of its Affiliates,
        officers, directors, employees or agents; (3) as otherwise permitted by the
        GLB
        Act; (4) as required by law or national stock exchange rule; or (5) as otherwise
        permitted under this Agreement.

      

      9.5 Confidentiality
        of this Agreement; Protective Arrangements

      

      (a) The
        parties acknowledge that this Agreement contains confidential information
        that
        may be considered proprietary by one or both of the parties, and agree to
        limit
        distribution of this Agreement to those individuals with a need to know the
        contents of this Agreement. In no event may this Agreement be reproduced
        or
        copies shown to any third parties (exclusive of contractors, subcontractors
        and
        agents who have a need for it) without the prior written consent of the other
        party, except as may be necessary by reason of legal, accounting, tax or
        regulatory requirements, in which event Customer and Fidelity shall exercise
        reasonable diligence in limiting such disclosure to the minimum necessary
        under
        the particular circumstances. Furthermore, the parties will seek commercial
        confidential status for this Agreement with any regulatory commission with
        which
        this Agreement must be filed, to the extent such a designation can be
        secured.

      

      (b) In
        addition, to the extent allowed by law, each party shall give notice to the
        other parties of any demands to disclose or provide Confidential Information
        received from the other or any third party under lawful process prior to
        disclosing or furnishing Confidential Information, and shall cooperate in
        seeking reasonable protective arrangements requested by the other
        party.

      

      9.6 Security
        Measures.
        Fidelity has implemented certain commercially reasonable security measures
        designed to safeguard Customer’s customer information, limit access to terminals
        and satisfy Fidelity’s confidentiality obligations set forth above. Upon
        Customer’s reasonable written request, Fidelity will make commercially
        reasonable efforts to adhere to security measures in addition to those measures
        previously implemented by Fidelity. If adherence to such Customer-requested
        security measures will increase Fidelity’s costs of operation, Customer will pay
        Fidelity for the implementation and/or adherence to such additional security
        measures requested by Customer. Fidelity shall disclose to Customer any breach
        in security of its systems which compromises, or is reasonably likely to
        compromise, Customer’s Confidential Information following discovery or
        notification of such breach. Fidelity shall disclose the aforementioned
        information to Customer by the most expedient means possible and without
        unreasonable delay, unless and to the extent instructed by law enforcement
        or
        similar government agency to do otherwise.

      

      9.7 Return
        of Customer
        Proprietary Information. At the request of Customer, and upon payment to
        Fidelity of all monies due under the terms of this Agreement, Fidelity shall
        return any Customer Proprietary Information held by Fidelity to Customer.
        

      

      10.    AUDIT
        RECORDS

      

      10.1 Customer’s
        Audit Records.
        Customer shall be responsible for maintaining all necessary audit records
        required by law or any regulatory authority having jurisdiction over
        Customer.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      10.2 Third
        Party Audit Records.
        Fidelity shall provide to Customer a copy of any applicable required audit
        report (which may include Fidelity’s SAS70 Type II or AUP) upon written request.
        Fidelity may charge Customer a reasonable and customary charge for such report.
        

       

      11.    REGULATORY
        COMPLIANCE 

      

      11.1 Compliance. During
        the Initial Term and any Renewal Term, Fidelity shall maintain the Software
        and
        Services so that they will be in compliance with the applicable federal banking
        data processing output requirements specified by the federal authorities
        applicable to Customer. Customer will make Fidelity aware of any applicable
        local and/or state regulatory requirements that are different from those
        imposed
        by federal banking regulatory authorities. Any changes required by such state
        or
        local requirements which Fidelity agrees to make shall be paid for by Customer,
        and to the extent possible, Fidelity shall endeavor to obtain consents to
        share
        the costs of such charges required by such state and local requirements among
        the Fidelity customers affected. Customer shall be responsible for compliance
        with all applicable laws and governmental regulations related to the Services
        except as set forth herein.

      

      11.2 Final
        Regulatory Approval
        for De Novo Banks. If, after Customer uses its best efforts to receive its
        final regulatory approvals required for Customer to commence operations,
        Customer fails to receive such approvals for any reason, Customer may terminate
        this Agreement and may receive a refund of certain fees paid to Fidelity
        hereunder. Customer shall be responsible for paying Fidelity for all costs
        and
        expenses incurred by Fidelity in the performance of its obligations hereunder
        through the date that written notification of such failure is received by
        Fidelity, including all fees for implementation and other services provided
        through such date, and all fees for software and hardware purchased by Fidelity
        on Customer’s behalf. Customer shall provide to Fidelity proof of ratification
        of this Agreement by the Board of Directors of Customer following the grant
        of
        its banking charter by the applicable regulatory agency governing the issuance
        Customer’s charter and approval of its applicable business entity as Fidelity
        may reasonably request. In no event shall Fidelity install any hardware at
        Customer’s site before Customer has received regulatory approval for its charter
        and the sale of its stock for funding purposes is complete. In the event
        that
        Fidelity is able to sell or use such hardware elsewhere within one hundred
        and
        twenty (120) days from receipt of such notification from Customer, Customer
        shall receive an equitable refund for such hardware, not to exceed fifty
        percent
        (50%) of the cost of such hardware.

       

      12. DISASTER
        RECOVERY

      

      In accordance
        with FFIEC business continuity regulations, Fidelity has put in place a disaster
        recovery plan designed to minimize the risks associated with a disaster
        affecting Fidelity’s ability to provide the Services under this Agreement. The
        aforesaid plan shall be tested annually. Fidelity does not warrant that Services
        will be uninterrupted or error free in the event of a disaster. Fidelity
        shall
        maintain adequate backup procedures including storage of duplicate record
        files
        as necessary to reproduce Customer’s records and data, as may be applicable. In
        the event of a service disruption due to reasons beyond Fidelity’s control,
        Fidelity shall use commercially reasonable efforts to mitigate the effects
        of
        such an occurrence. Customer is responsible for adopting a disaster recovery
        plan relating to disasters affecting Customer’s facilities and for securing
        business interruption insurance or other insurance necessary for Customer’s
        protection. Upon reasonable request, Customer may review Fidelity’s disaster
        recovery plan.

       

      13. SUBCONTRACTING 

      

      Customer
        agrees that Fidelity may, in its sole discretion, subcontract all or any
        part of
        its obligations hereunder to one or more subcontractors, but in no event
        shall
        Customer be required, without prior written consent, to look to any such
        subcontractor directly for performance of any such obligation or to make
        any
        payment directly to any subcontractor.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      14. INSURANCE

      

      For
        so long as this Agreement remains in effect, Fidelity shall have and maintain
        in
        force the following Insurance coverages:

       

      14.1 Statutory
        workers’ compensation in accordance with all Federal, state, and local
        requirements; 

      

      14.2 Employers
        liability insurance, with minimum limits of coverage of: 

      

      (a) one
        million dollars ($1,000,000) per accident, bodily injury (including death)
        by
        accident; 

      

      (b) one
        million dollars ($1,000,000) for bodily injury (including death) by disease;
        and

      

      (c) one
        million dollars ($1,000,000) per employee for bodily injury (including death)
        by
        disease as required by the state wherein the services hereunder are to be
        performed.

      

      14.3 Commercial
        general liability with minimum limits of coverage of two million dollars
        ($2,000,000) general aggregate, and one million dollars ($1,000,000) per
        occurrence for bodily injury, property damage and personal injury;

      

      14.4 Automobile
        liability insurance, including Fidelity owned, leased, and non-owned vehicles
        with a minimum combined single limit of one million dollars
        ($1,000,000);

      

      14.5 Property
        insurance, covering the hardware and other equipment used by Fidelity to
        fulfill
        its obligations under this Agreement; 

      

      14.6 Errors
        and omissions, including technology E&O coverage, with minimum limits of
        five million dollars ($5,000,000) per claim;

      

      14.7 Umbrella
        (excess) liability insurance for the above-referenced comprehensive general
        liability and employer’s liability coverages in an amount of not less than five
        million dollars ($5,000,000) per occurrence; and

      

      14.8 Crime
        insurance, with coverage extended to include property of Customer in the
        care,
        custody, or control of Fidelity, or for which Fidelity is legally
        liable.

      

      15.    FINANCIAL
        STATEMENTS

      

      As
        of the Effective Date, Fidelity is a wholly owned subsidiary of a publicly
        traded company, Fidelity National Financial, Inc. (“FNF”). As a publicly traded
        company, FNF discloses its financial information pursuant to United States
        securities laws and regulations. That financial information includes the
        financial statement segment reporting of Fidelity. A copy of FNF’s financial
        information is available at www.FNF.com or through the Securities and
        Exchange Commission’s EDGAR website. If at any time in the future Fidelity’s
        financial segment information is no longer publicly available, Fidelity agrees
        to provide Customer with such information.

      

      16.    DISPUTE
        RESOLUTION

      

      16.1 Dispute
        Resolution
        Procedures. In the event a dispute arises between Fidelity and Customer with
        respect to the terms and conditions of this Agreement, or any subject matter
        governed by this Agreement, such dispute shall be settled as set forth in
        this
        Section. In the event that a party initiates the dispute resolution procedures
        in accordance with this Section, then during such procedure any time periods
        providing for termination of the Agreement or curing any material breach
        under
        Section 2 shall be automatically suspended, except with respect to any
        termination or breach arising out of Customer’s failure to make timely and
        complete payments to Fidelity under this Agreement. At such time as the dispute
        is resolved, interest at a rate equal to the prime rate per annum as published
        in the Wall Street Journal, or the highest rate permitted by law (as calculated
        on the basis of the actual days in the applicable calendar year) for the
        period
        of dispute shall be paid to the party entitled to receive the disputed monies
        to
        compensate for the lapsed time between the date such disputed amount originally
        was to have been paid (or was paid) through the date monies are paid (or
        credited) in settlement of the dispute.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      16.2 Claims
        Procedures. 
        If any
        party shall have any dispute with respect to the terms and conditions of
        this
        Agreement, or any subject matter referred to in or governed by this Agreement,
        that party (through the Fidelity Account Manager or the Customer Account
        Manager, as the case may be) shall provide written notification to the other
        party (through the Fidelity Account Manager or the Customer Account Manager,
        as
        the case may be) in the form of a claim identifying the issue or amount
        disputed, if applicable, and including a detailed reason for the claim. The
        party against whom the claim is made shall respond in writing to the claim
        within thirty (30) days from the date of receipt of the claim document. The
        party filing the claim shall have an additional thirty (30) days after the
        receipt of the response to either accept the resolution offered by the other
        party or request implementation of the Escalation Procedures. Failure to
        meet
        the time limitations set forth in this Section shall automatically result
        in the
        implementation of the Escalation Procedures.

      

      16.3 Escalation
        Procedures

      

      (a) Each
        of
        the parties will negotiate, in good faith, any claim or dispute that has
        not
        been satisfactorily resolved following the claim resolution procedures described
        in Section 16.2. To this end, each party will escalate any and all unresolved
        disputes or claims in accordance with Section 16.3(b)
        before
        taking further action.

      

      (b) If
        the negotiations conducted pursuant
        to Section 16.2 do not lead to resolution of the underlying dispute or claim
        to
        the satisfaction of the parties, then either party may notify the other in
        writing that it desires to escalate the dispute or claim to the individual
        executives on the other party’s staffs who are responsible for operations for
        resolution (“Executives”). Upon receipt by the other party of such written
        notice, the dispute or claim shall be so escalated and the Executives shall
        negotiate in good faith and each use their reasonable efforts to resolve
        such
        dispute or claim. The location, format, frequency, duration and conclusion
        of
        these escalated discussions shall be left to the discretion of the Executives
        involved. Upon agreement, the Executives may utilize other alternative dispute
        resolution procedures to assist in the negotiations. Discussions and
        correspondence among the Executives for purposes of these negotiations shall
        be
        treated as confidential information developed for purposes of settlement,
        exempt
        from discovery and production, and shall not be admissible in subsequent
        proceedings between the parties. Documents identified in or provided with
        such
        communications, which are not prepared for purposes of the negotiations,
        are not
        so exempted and may, if otherwise admissible, be admitted in evidence in
        such
        subsequent proceeding.

       

      16.4 Arbitration
        Procedures. In the event that a claim, controversy or dispute between the
        parties with respect to the terms and conditions of this Agreement, or any
        subject matter governed by this Agreement, which is subject to arbitration
        hereunder has not been resolved by use of the claims procedures described
        in
        Section 16.2 or the Escalation Procedures described in Section 16.3, either
        party may, within thirty (30) days after the Executives have met to address
        such
        claims, controversy or dispute, request binding arbitration of the issue
        in
        accordance with the following procedures:

      

      (a) Either
        party may request arbitration by giving the other party written notice to
        such
        effect, which notice shall describe, in reasonable detail, the nature of
        the
        dispute, controversy or claim. The Commercial Arbitration Rules of the American
        Arbitration Association, 1939 Rhode Island Avenue, N.W., Suite 509, Washington,
        D.C. 20036 ("AAA") will govern any such arbitration.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      (b) Upon
        either party's request for arbitration, an arbitrator shall be selected by
        mutual agreement of the parties to hear the dispute in accordance with AAA
        rules. If the parties are unable to agree upon an arbitrator, then either
        party
        may request that the AAA select an arbitrator and such arbitrator shall hear
        the
        dispute in accordance with AAA rules. The arbitration shall be held in Orlando,
        Florida.

      

      (c) Each
        of
        the parties shall bear its own fees, costs and expenses of the arbitration
        and
        its own legal expenses, attorneys' fees and costs of all experts and witnesses.
        Unless the award provides otherwise, the parties will share equally the fees
        and
        expenses of the arbitration procedures, including the fees of the
        arbitrator(s).

      (d) Any
        award
        rendered pursuant to such arbitration shall be final, conclusive and binding
        upon the parties, and any judgment thereon may be entered and enforced in
        any
        court of competent jurisdiction.

      

      (e) Notwithstanding
        the provisions of this Section 16, the parties to this Agreement agree that
        the
        only circumstance in which disputes between them will not be subject to the
        provisions of this Section exists when: i) a party defaults under the provisions
        of Section 9 of this Agreement; or ii) a party makes a good faith determination
        that a breach of the terms of this Agreement by the other party is such that
        the
        damages to such party resulting therefrom will be so immediate, so large
        or
        severe and so incapable of adequate redress after the fact that a temporary
        restraining order and/or other immediate injunctive relief is the only adequate
        remedy for such breach. If a party making such a determination files a pleading
        with a court seeking such immediate injunctive relief and this pleading is
        challenged by the other party to this Agreement and the challenging party
        succeeds in such challenge, the party filing such pleading seeking immediate
        injunctive relief shall pay all of the costs and attorneys' fees of the party
        successfully challenging such pleading. 

      

      16.5 Claim
        Expiration.
        No
        claims to be resolved under this Section 16 may be made more than six (6)
        months
        after the date by which the fault or failure was or should reasonably have
        been
        discovered; failure to make such a claim within the six (6) month period
        shall
        forever bar the claim.

      

      17.    GENERAL

      

      17.1 Independent
        Contractor.
        It is
        agreed that Fidelity is an independent contractor and that:

      

      (a) Customer
        Supervisory Powers.
        Customer has no power to supervise, give direction or otherwise regulate
        Fidelity’s operations or its employees.

      

      (b) Employees.  
        Each
        party shall be solely responsible for payment of compensation to its respective
        personnel and for any injury to them in the course of their employment. Each
        party shall assume full responsibility for payment of all federal, state,
        local
        and foreign taxes or contributions imposed or required under unemployment
        insurance, social security and income tax laws with respect to such persons.
        

      

      (c) Relationship.
        The
        parties acknowledge that each party is engaged in a business which is
        independent from that of the other party and each party shall perform its
        obligations as an independent contractor. Neither party is an agent of the
        other
        party and has no authority to represent the other party as to any matters,
        except as authorized herein.

      

      17.2 Notices.
        All
        notices required by this Agreement shall be in writing; shall be sent by
        certified mail, return receipt requested or personally delivered to the other
        party at the address set forth below, or such other address as subsequently
        shall be given by either party to the other in writing; and shall be deemed
        effective upon personal delivery to the other party or three (3) days after
        mailing if mailed with sufficient postage and properly addressed.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      If
        to
        Fidelity:

      Fidelity
        Information Services, Inc.

      601
        South
        Lake Destiny Road

      Maitland,
        Florida 32751

      Attn.: President,
        Integrated Financial Solutions

      

      With
        a
        copy to:

      Fidelity
        Information Services, Inc.

      601
        Riverside Avenue, 12th
        Floor

      Jacksonville,
        Florida 32204

      Attn.: General
        Counsel

      

      If
        to
        Customer:

      Solera
        Bank, N.A. (IO)

      6920
        W.
        38th
        Avenue

      Wheat
        Ridge, Colorado 80033

      Attn.: CFO

      

      17.3 Headings
        and Construction.
        The
        text headings used in this Agreement are for convenience only and shall not
        be
        used in construing the meaning, intent, or interpretation of the provisions
        hereof.

      

      17.4 Survival.
        Termination or expiration of this Agreement will not affect the rights or
        obligations of the parties that arose prior to, or that are expressly intended
        by their terms to continue beyond, any such termination or expiration, and
        such
        rights or obligations, and the dispute resolution procedures set forth in
        this
        Agreement will survive any such termination or expiration. 

      

      17.5 Entire
        Agreement and Amendments.
        This
        Agreement contains the entire agreement of the parties hereto and supersedes
        all
        prior oral and written agreements, statements and understandings between
        the
        parties concerning the subject matter hereof. No other agreement, statement
        or
        promise made by any party hereto or by any employee, officer, or agent of
        any
        party hereto that is not in writing and signed by the parties is binding.
        This
        Agreement may not be amended in any fashion except by written instrument,
        executed by the parties hereto, specifically providing for the amendment
        of this
        Agreement. 

      

      17.6 Severability. In
        the
        event that any one or more of the provisions contained in the Agreement shall
        for any reason be held to be invalid or unenforceable in any respect under
        law,
        such invalidity or unenforceability shall not affect any other provision
        of this
        Agreement, but this Agreement shall be construed as if such provision(s)
        had
        never been contained herein, provided that the removal of such provision(s)
        does
        not materially alter the burdens or benefits of either of the parties under
        this
        Agreement.

      

      17.7 Third
        Party
        Beneficiaries. The provisions of this Agreement are
        for the benefit of the parties and not for any other person. Should any third
        party institute proceedings against a party to this Agreement, this Agreement
        shall not provide any such person with any remedy, claim, liability,
        reimbursement, cause of action, or other right. Customer agrees that the
        Services are for the benefit of Customer only unless otherwise agreed in
        writing. Customer agrees not to resell or re-market the Services to any third
        party.

      

      17.8 Executed
        in Counterparts.
        This
        Agreement may be executed in counterparts, each of which shall be considered
        an
        original, but such counterparts shall together constitute but one and the
        same
        document.

      

      17.9 Remedies
        Cumulative.
        Unless
        otherwise provided for under this Agreement, all rights of termination or
        cancellation, or other remedies set forth in this Agreement, are cumulative
        and
        are not intended to be exclusive of other remedies to which the injured party
        may be entitled by law or equity in the case of any breach or threatened
        breach
        by the other party of any provision of this Agreement. Use of one or more
        remedies shall not bar the use of any other remedy for the purpose of enforcing
        any provision of this Agreement.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      

      17.10 Publicity;
        Fidelity Service Marks, Trademarks, Names and Logos. The parties shall
        consult with each other in preparing any Press Release that mentions or implies
        a relationship or names the other party in any way. Neither party shall issue
        or
        cause the publication of any such Press Release without the prior written
        consent of the other party, except that nothing herein will prohibit either
        party from issuing or causing publication of any such Press Release to the
        extent that such action is required by applicable law or the rules of any
        national stock exchange applicable to such party or its Affiliates, in which
        case the party wishing to make such disclosure will, if practicable under
        the
        circumstances, notify the other party of the proposed time of issuance of
        such
        Press Release and consult with and allow the other party reasonable time
        to
        comment on such Press Release in advance of its issuance. Customer may not
        use a
        service mark, the name or logo of Fidelity or its Affiliates for promotion
        or
        any other purpose without Fidelity’s prior written consent. Any request for such
        consent shall be in writing and shall include samples of, or designs for,
        Customer’s proposed use, which will conform to the graphic standards adopted
        from time-to-time by Fidelity or its Affiliates. Such use shall be in full
        compliance with such other terms and conditions specified by Fidelity.

      

      17.11 Assignment.
        Customer
        shall not make any assignment hereof without the prior written consent of
        Fidelity. Nothing in this Agreement is to be construed to limit or restrict
        the
        right of Fidelity to effect any assignment of this Agreement by merger,
        reorganization, sale of corporate assets or other corporate change as long
        as
        the Services outlined in this Agreement continue. This Agreement shall inure
        to
        the benefit of and all obligations and duties of any party under this Agreement
        shall be binding on all successors in interest and permitted assigns of such
        party. If the other party consents to the assignment, the proposed assignee
        or
        transferee shall, upon completion of the assignment, automatically succeed
        to
        the corresponding rights, interests, and obligations of the assigning and
        transferring party and shall be a successor of such party for purposes of
        this
        Agreement.

      

      17.12 Governing
        Law and Venue.
        The
        laws of the State of Florida govern this Agreement. Any action brought as
        a
        result, directly or indirectly, of this Agreement in accordance with Section
        16.4 (e) shall be brought in a court of competent jurisdiction in Orlando,
        Florida.

      

      17.13 Order
        of Precedence.
        The
        terms and conditions set forth in this Agreement shall apply to all Schedules,
        Attachments, Exhibits, Professional Services Agreements (PSAs) and Statements
        of
        Work (SOWs) attached hereto. To the extent any of the provisions are found
        to be
        in conflict with other provisions in the Agreement, the order of precedence
        of
        the Agreement documents is as follows: the provisions of the Attachments
        shall
        take precedence respectively, followed by the Exhibits respectively, followed
        by
        each Schedule, then the Agreement’s General Terms and Conditions, and then any
        applicable PSA or SOW respectively.

      

      17.14 Non-Solicitation
        of Employees.
        Neither
        Customer nor Fidelity will solicit the services of or hire any employee of
        the
        other party during the Initial or any Renewal Term of this Agreement without
        first obtaining the written consent of the other party. Notwithstanding the
        foregoing, Customer and Fidelity understand and agree that the following
        shall
        not constitute solicitation under this Section 17.14: (i) employment
        solicitations directed to the general public at large, including without
        limitation newspaper, radio, internet and television advertisements, and
        (ii) an
        employment solicitation directed by a party to an employee of the other party,
        and any related communications, that occurs after a communication regarding
        employment that was initiated by the employee.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

    

     

    
      FIDELITY
        INFORMATION SERVICES, INC.

      BANCPAC
        SERVICE BUREAU PROCESSING SCHEDULE

      

      INITIAL
        TERM

      Five
        (5) Years

      

      RENEWAL
        TERM

      Five
        (5)
        Years 

      

      COMMENCEMENT
        DATE

      The
        date
        that the Services are first installed and available for Customer's use in
        a
        production environment, which is signified by Fidelity turning the system
        over
        to Fidelity support.

       

      This
        Schedule together with any attachments and/or exhibits hereto, the General
        Terms
        and Conditions to be signed concurrently with this Schedule ("General Terms"),
        and any written modifications thereto signed and agreed to by Fidelity
        Information Services, Inc.
        of
        Maitland, Florida ("Fidelity") and Solera
        Bank, N.A. (IO) of
        Wheat
        Ridge, Colorado ("Customer") from time to time hereafter shall be referred
        to as
        the “Data Processing Agreement” or “Agreement".

       

      This
        Schedule supersedes and replaces any and all prior agreements between the
        parties and/or their affiliates, subsidiaries, predecessors, successors,
        or
        assigns for the same or similar services as those described in this
        Schedule.

       

      1.    TERM

       

      Unless
        otherwise terminated as provided for in the General Terms or as may be set
        forth
        herein, the term of this Agreement shall commence on the Commencement Date
        and
        shall expire at the end of the Initial Term set forth above. Thereafter,
        this
        Agreement will automatically renew for the period of the Renewal Term(s)
        set
        forth above unless either party gives the other party written notice of at
        least
        one hundred eighty (180) days prior to the expiration date of the Term then
        in
        effect that this Agreement will not be renewed beyond such Term. The Initial
        Term and the Renewal Term(s) are herein collectively referred to as
        "Term".

       

      2.    FEES

       

      Customer
        agrees to pay to Fidelity the Fees for Services as set forth in the Pricing
        Attachment (“Attachment 2”) beginning on the Commencement Date in accordance
        with the payment terms set forth in the General Terms. The fees set forth
        in
        Attachment 2 are exclusive of any fees associated with de-conversion
        fees.

       

      3.    SERVICES

       

      
        	 	
                3.1

              	
                Description
                  of Services. Fidelity shall provide the outsource processing services
                  ("Services") described in this Agreement and such additional services
                  as
                  may be added by the parties from time to time in writing at the
                  then
                  current pricing for such additional services. Services shall be
                  provided
                  in accordance with applicable Fidelity user and operation manuals,
                  bulletins, guidelines, procedures, policies and similar materials,
                  as
                  established and revised from time to time, and in accordance with
                  the
                  Service Performance Standards attached hereto as Exhibit A. Fidelity
                  will
                  provide the Services on its own and/or through one or more Fidelity
                  affiliates and/or subcontractors and shall be the sole and exclusive
                  provider of the Services to Customer. Fidelity shall process MICR
                  data,
                  records, and all other input furnished to Fidelity (collectively,
                  "Data")
                  and shall prepare and make available, in accordance with such procedures
                  and schedules established by Fidelity, all documents, reports,
                  Customer
                  statements and other output (collectively,
                  "Output").

              

      

       

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      
        	 	
                3.2

              	
                Method
                  of Delivery. The method of delivery of Data shall be either (1)
                  by
                  messenger delivery of printed Data or (2) by electronic transmission.
                  The
                  method of delivery of Output shall be by remote print at the designated
                  Customer location. The method of delivery will be selected during
                  implementation of the Services. A request from Customer to change
                  such
                  method must be received by Fidelity at least sixty (60) days prior
                  to the
                  requested date change. Any fees or charges resulting from such
                  change
                  shall be in accordance with Fidelity's then-prevailing fee schedule.
                  Customer will furnish, at its own expense, all printers, manpower,
                  forms
                  and paper for printing, unless otherwise stated in this
                  Agreement.

              

      

       

      
        	 	
                3.3

              	
                Time
                  Zone. For purposes of this Agreement, it is understood that any
                  times that
                  are listed are for the time zone in which Customer is headquartered,
                  unless otherwise stated or agreed. 

              

      

       

      4.    DATA

       

      
        	 	
                4.1

              	
                Data
                  Conversion. Prior to the Commencement Date, Fidelity shall provide
                  the
                  programming and mapping required to convert Customer's Data into
                  a format
                  compatible with the Fidelity System. Customer agrees to cooperate
                  with
                  Fidelity as reasonably necessary for Fidelity to complete the conversion
                  process. Among other things, Customer shall deliver conversion
                  input
                  information, in its entirety, in a mutually acceptable medium,
                  as and when
                  the parties agree. "Fidelity System" means the hardware and software
                  used
                  by Fidelity to provide the Services
                  hereunder.

              

      

       

      
        	 	
                4.2

              	
                Data
                  Review After Conversion. Fidelity shall notify Customer upon the
                  completion of Data conversion. Customer agrees to review and check
                  the
                  converted Data within ten (10) days following such notice and provision
                  of
                  the Data files to Customer. Fidelity reserves the right to postpone
                  conversion of Customer's Data if Customer is late in delivering
                  its
                  conversion input information or if any other circumstances arise
                  that
                  might jeopardize the successful completion of Customer's Data conversion
                  or the processing of the following days transactions for any other
                  customers of Fidelity.

              

      

       

      
        	 	
                4.3

              	
                Form.
                  Data shall be delivered by the method selected in accordance with
                  Section
                  0
                  to
                  the designated Fidelity facility at the times and in the form prescribed
                  by Fidelity. Fidelity shall not be liable for the accuracy, completeness
                  and authenticity of Data furnished to Fidelity by Customer, a Federal
                  Reserve Bank, an Automated Clearing House, or any other third party,
                  and
                  shall have no obligation or responsibility to audit, check or verify
                  the
                  Data. Customer shall be solely responsible for determining the
                  correctness
                  of magnetic ink encoding on items submitted for Customer's payment,
                  including but not limited to checks and drafts ("Items"); for verifying
                  dates, signatures, amounts, endorsements, authorizations, payment
                  notices,
                  collection times, fees and charges to Customer's clients and all
                  other
                  similar matters on Data submitted for processing, including Items;
                  and for
                  placing stop payments and holds on accounts.

              

      

       

      
        	 	
                4.4

              	
                Processing.
                  Fidelity shall follow the time schedules described in Exhibit A
                  in
                  processing Data and posting entries on behalf of Customer. Customer
                  authorizes Fidelity to create and process such entries, including
                  but not
                  limited to adjusting or correcting entries, as it deems necessary
                  or
                  appropriate to process the Data. Fidelity shall provide a report
                  of any
                  such adjusting or correcting entries to Customer. It shall be Customer's
                  sole responsibility to effect a timely return of any Item, or to
                  pursue
                  any claim or right of action in a timely manner against any third
                  party
                  arising from any Item. If Data is received by Fidelity prior to
                  the time
                  limits required by this Agreement, Fidelity may process such Data
                  immediately. If Fidelity receives Data after the time limits required
                  by
                  this Agreement, or if Data is delivered by any method other than
                  as
                  selected in accordance with Section 3.2, Fidelity may delay the
                  processing
                  of such Data. However, if Fidelity does process such Data, Customer
                  shall
                  pay any additional fees and charges required by Fidelity if applicable.
                  

              

      

       

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      
        	 	
                4.5

              	
                Data
                  Review After Processing. It shall be Customer's responsibility
                  to review,
                  verify and make a final audit of all Output. Customer will balance
                  reports
                  to verify master file information and will inspect and review all
                  reports
                  and other Output created from Data provided by Customer to Fidelity.
                  Customer will notify Fidelity (through written notification to
                  Fidelity’s
                  Client Services Department) of all incorrect reports or Output
                  (a) within
                  two (2) business days after receipt of daily reports or Output,
                  (b) within
                  five (5) business days after receipt of annual, quarterly or monthly
                  reports or Output, and (c) within three (3) business days after
                  receipt of
                  all other reports or Output. Fidelity will correct any errors in
                  Customer's files that result in errors in reports or other Output
                  where
                  such errors are solely because of either malfunctions of Fidelity's
                  equipment or its systems or errors of Fidelity's operators, programmers
                  or
                  other personnel and are called to Fidelity's attention within the
                  time
                  frames specified for balancing and rejecting reports. Fidelity
                  will, to
                  the extent reasonably practicable, correct any other errors for
                  an
                  additional charge. The foregoing are Customer's exclusive remedies
                  for
                  errors in reports or other Output provided by Fidelity under this
                  Agreement.

              

      

       

      
        	 	
                4.6

              	
                Reprocessing.
                  If any Data submitted to Fidelity is incorrect, incomplete or not
                  in the
                  format required, Fidelity may require Customer to resubmit the
                  Data or
                  Fidelity may correct and complete the Data itself, and Customer
                  shall pay
                  additional fees and charges for any additional work incurred by
                  Fidelity
                  in connection therewith. In addition, any reprocessing required
                  because of
                  incorrect or incomplete Data shall be at Customer's expense, in
                  accordance
                  with Fidelity's then-current fee for such service. Fidelity shall
                  attempt
                  to notify Customer prior to incurring any expense for which Customer
                  would
                  be responsible under this Section.

              

      

       

      
        	 	
                4.7

              	
                Processing
                  On Non-Processing Days. If Customer requires Fidelity to process
                  on any
                  non-processing days, such non-processing days defined as Saturday,
                  Sunday
                  or Federal Reserve Holiday, Customer shall pay a non-processing
                  day fee
                  equal to $750.

              

      

       

      5.    COSTS;
        RISK OF LOSS DURING TRANSIT OR TRANSMISSION

       

      
        	 	
                5.1

              	
                Messenger.
                  Customer shall be solely responsible for and shall bear all costs
                  associated with having a messenger service transport Data, Output
                  or any
                  other information relating to Customer or the Services to or from
                  Fidelity's facility or other delivery location. The messenger delivering
                  all of such material shall be deemed to be the agent of
                  Customer.

              

      

       

      
        	 	
                5.2

              	
                Electronic
                  Data Transmission. Customer may elect to capture its own Data and
                  to
                  transmit such Data to Fidelity for processing through electronic
                  data
                  transmission ("EDT"), and/or receive reports by EDT. Customer shall
                  be
                  responsible for acquiring at its own expense all equipment needed
                  for such
                  transmission unless otherwise provided as part of this Agreement.
                  If
                  equipment is not provided as part of this Agreement, then Customer
                  equipment shall conform to Fidelity specifications and applicable
                  rules.
                  After installation, and prior to the commencement of transmission,
                  Customer shall notify Fidelity and Fidelity shall inspect the equipment,
                  and if such equipment conforms to all applicable Fidelity specifications,
                  Fidelity shall certify thereto.

              

      

       

      
        	 	
                5.3

              	
                Telephonic
                  Transmission. Customer may elect to transmit MICR Data and/or to
                  receive
                  reports over (i) Customer's own telephone line to one or more telephone
                  numbers at Fidelity's facility which may be shared with other data
                  transmitters ("Dial-Up Line"); or (ii) a dedicated telephone line
                  leased
                  from the appropriate telephone utility. If Customer elects to utilize
                  a
                  dedicated line, Fidelity shall arrange for the installation of
                  such line
                  and Customer shall bear all costs associated therewith, including
                  but not
                  limited to line rentals, installation charges and any required,
                  as well as
                  for any charges for additional connections or changes to locations
                  or
                  future services. If Customer elects to utilize a Dial-Up Line,
                  Customer
                  shall bear all cost in connection therewith, including but not
                  limited to
                  any long-distance charges. Dial-Up Lines and dedicated phone lines
                  must
                  conform to Fidelity's specifications and applicable
                  rules.

              

      

       

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      
        	 	
                5.4

              	
                Equipment
                  Compatibility. Customer's Equipment must be completely compatible
                  with the
                  systems and communications networks of Fidelity and, if requested
                  by
                  Fidelity, Customer shall be responsible for providing sufficient
                  information about the Equipment to Fidelity and for performing
                  adequate
                  tests to demonstrate that the Equipment is in good working order
                  and
                  completely compatible with the systems and communications networks
                  of
                  Fidelity. Fidelity shall provide the necessary hardware specifications
                  to
                  allow Customer to ensure Equipment compatibility. Data communications
                  and
                  the associated equipment shall be quoted on the Network Services
                  Schedule.

              

      

       

      
        	 	
                5.5

              	
                Limitation.
                  FIDELITY SHALL NOT BE LIABLE OR RESPONSIBLE FOR ANY LOSS OR DELAY
                  OF DATA,
                  OUTPUT OR ANY OTHER INFORMATION WHICH PERTAINS TO CUSTOMER OR THE
                  SERVICES
                  DURING ANY PERIOD OF TRANSIT OR ELECTRONIC TRANSMISSION TO OR FROM
                  FIDELITY'S FACILITY OR OTHER AGREED DELIVERY
                  LOCATION.

              

      

       

      6.    CONTINGENCY
        PLAN 

       

      
        	 	
                6.1

              	
                Business
                  Continuity Planning. Each party will develop, maintain and, as
                  necessary
                  in the event of business interruption, execute a business resumption
                  plan,
                  and will provide to the other party, its auditors and regulators
                  reasonable access to the plan and to plan test results, as such
                  other
                  party may reasonably request from time to time, including such
                  information
                  that may be reasonably required to determine the compatibility
                  of the
                  plans.

              

      

       

      (a) Fidelity
        shall provide disaster recovery services for its batch and on-line processing
        obligations to Customer at a dedicated facility which is equipped to handle
        the
        Fidelity data center processing in the event disaster recovery is needed.
        Throughout the Term of this Agreement, Fidelity will maintain in effect
        contracts and/or arrangements for disaster recovery that are substantially
        equivalent to those which are in effect as of the Effective Date. At Customer’s
        request, Fidelity will make Fidelity’s disaster recovery plans available for
        Customer’s review.

       

      (b) Customer
        acknowledges that disaster recovery arrangements are designed to deal with
        circumstances that are expected to cause a substantial portion of the
        capabilities at the Fidelity’s data center to be unavailable for a period
        exceeding seventy-two (72) consecutive hours.

       

      (c) Fidelity
        will test its disaster recovery capabilities at least once per calendar year.
        Customer shall participate in the disaster recovery test when deemed appropriate
        by Fidelity. Fidelity will provide a report of the test and its results to
        Customer upon written request.

       

      (d) Upon
        request, Fidelity will review and comment upon those portions of the Customer’s
        overall business resumption plan related to the Services provided under this
        Agreement and will provide a written report setting forth any discrepancies
        between Customer’s overall business resumption plan and the Fidelity disaster
        recovery plan.

       

      (e) Each
        party will be responsible for training its own personnel as required in
        connection with all applicable contingency planning activities.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      
        	 	
                6.2

              	
                File
                  Backup. Fidelity will provide and maintain adequate backup files
                  of
                  Customer’s data received by Fidelity and all programs utilized to process
                  Customer’s data in order to execute to the business continuity plans as
                  described in this Section 6.

              

      

       

      
        	 	
                6.3

              	
                Retention.
                  Customer shall maintain copies of all of Customer’s input data submitted
                  to Fidelity for processing hereunder (whether submitted to Fidelity
                  directly or through third parties) to permit reconstruction of
                  such input
                  data if required. Fidelity shall use Fidelity’s standard practices to
                  maintain copies of all input data for processing hereunder to permit
                  reconstruction of such data if required. Customer assumes all risks
                  of
                  loss and expenses of reconstruction of such input data, except
                  for loss
                  caused by Fidelity’s failure to perform to Fidelity’s standard practices.
                  In the event that reconstruction of data is required, the parties
                  shall
                  mutually agree on the schedule for such reproduction based on the
                  needs of
                  the parties at that time. Reconstruction will be performed in accordance
                  with Fidelity’s data retention policy then in
                  effect.

              

      

       

      7.    PROBLEM
        REPORTING AND RESOLUTION

       

      
        	 	
                7.1

              	
                Problem
                  Reporting. Customer is responsible for reporting problems relating
                  to the
                  Services provided hereunder to Fidelity's Client Services staff
                  at the
                  contact numbers or addresses provided by Fidelity from time to
                  time.

              

      

       

      
        	 	
                7.2

              	
                Problem
                  Response. Fidelity shall respond to each reported problem promptly
                  based
                  on the severity of the problem and its effect on Customer's operations
                  and
                  the provision of Services hereunder. Fidelity shall use commercially
                  reasonable efforts to either resolve each problem or provide Customer
                  with
                  information to allow Customer's personnel to address the problem.
                  In the
                  event the resolution of a reported problem which materially impacts
                  Customer's operations or the provision of Services hereunder carries
                  over
                  to the next business day, Fidelity will provide Customer with a
                  status
                  report for the problem and an estimate of the resolution time and
                  course,
                  if possible. 

              

      

       

      8.    DE-CONVERSION

       

      Fidelity
        shall provide de-conversion services for Customer upon: (i) Customer’s written
        request for such services and (ii) receipt of a signed non-disclosure agreement
        by Customer, new processing vendor and Fidelity. The information to be provided
        by Fidelity to Customer will include one (1) test set and one (1) live set
        of
        Customer's data files as of the date specified in writing by the Customer.
        Such
        test and live data files shall be in Fidelity's standard machine readable
        format
        along with any information as is reasonable and customary to enable Customer
        to
        de-convert from the Fidelity System such as trial balances for each application
        and pertinent system documentation. Requests for media or format other than
        that
        stated may be available for additional charges.
        The fees
        for such services shall be equal to Fidelity’s then
        current time and materials rates for de-conversion assistance, which is equal
        to
        the greater of ten thousand dollars ($10,000) or the last two (2) months
        fee for
        Data Processing Services as set forth herein. The
        fees
        and charges quoted are for the physical de-conversion and the coordination
        of
        such de-conversion from the Fidelity System and do not include the Termination
        Costs as outlined in Section 2.5 of the General Terms.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      Exhibit
        A

       

      SERVICE
        PERFORMANCE STANDARDS

       

       

      
        	1.	
                Percentage
                  Up Time.
                  Fidelity shall ensure that the Fidelity System and the Services
                  are
                  available for daily processing tasks 98% of the time each month
                  during
                  regular hours of operation as set forth below. Fidelity will also
                  be
                  responsible for ensuring the Fidelity System has a reasonable end
                  user
                  response time.

              

      

       

      
        	2.	
                Hours
                  of Operation.
                  

              

      

       

      2.1 Generally.
        

       

      
        	 	
                (a)

              	
                The
                  Fidelity System will be staffed 8:00 a.m. to 8:30 p.m. Eastern
                  Standard
                  Time, Monday through Friday. The Fidelity System will not be attended
                  on
                  Saturdays, Sundays, or on the holidays observed by the Federal
                  Reserve
                  Bank, including the following:

              

      

      
        	 	 
	
                New
                  Year’s Day

              	
                President’s
                  Day

              
	
                Martin
                  Luther King Day

              	
                Thanksgiving
                  Day

              
	
                Memorial
                  Day

              	
                Christmas
                  Day

              
	
                Independence
                  Day

              	
                Columbus
                  Day

              
	
                Labor
                  Day

              	
                Veteran’s
                  Day

              

      

      
      

       

      
        	 	
                (b)

              	
                Fidelity
                  shall ensure that stand-by paging service will be available to
                  Customer at
                  all other times.

              

      

       

      
        	 	
                (c)

              	
                Other
                  than during nightly batch processing and required Fidelity System
                  maintenance, Fidelity agrees to provide on-line access 24 hours
                  a day, 7
                  days a week.

              

      

       

      
        	 	
                2.2

              	
                Extension
                  of Hours.
                  Fidelity will use its best efforts to accommodate requests for
                  exceptions
                  or extensions of the hours of operation. These hours may be modified
                  based
                  on dependencies with reporting files required to be sent to other
                  servicing organizations.

              

      

       

      
        	
                3.

              	
                Exclusions.
                  Fidelity shall not be responsible for (i) telecommunications failures,
                  (ii) service interruptions beyond Fidelity's control, (iii) delay
                  or
                  failure of any third party courier or delivery service, or (iv)
                  failure of
                  any third party vendor to deliver information, files, magnetic
                  media,
                  products, support or services, or other materials required for
                  Fidelity to
                  provide services hereunder.

              

      

       

      
        	
                4.

              	
                Service
                  Performance and Standards Remedy.
                  Notwithstanding any provision to the contrary in the General Terms,
                  Fidelity and Customer agree that the following provision represents
                  the
                  Customer’s sole and exclusive remedy for Fidelity’s failure to meet any
                  service performance standard:

              

      

       

      If
        Fidelity or the Fidelity System fails to meet the percentage up-time and
        performance standards specified above and such failure is not the result
        of a
        Customer error or omission, any act, failure or omission of any third party,
        or
        any other circumstance beyond Fidelity’s control, Customer shall notify Fidelity
        immediately in writing specifying the performance standard(s) not met and
        the
        nature of the deficiency. Within 15 days of receipt of such notice, Fidelity
        shall establish and provide Customer in writing with an action plan to meet
        the
        service performance standard(s). Upon expiration of such 15-day period, Fidelity
        shall have 30 days to bring its performance to the percentage/standard specified
        in the relevant service performance standard. Fidelity shall report the nature
        and status of its efforts at the end of such period. Should Fidelity’s
        performance remain below the applicable standard after such 30-day period,
        Fidelity shall have an additional 60 days to correct the situation and bring
        the
        affected performance up to the standard. During this period, Customer will
        be
        provided with a 15% reduction in the monthly Fidelity invoice for each month
        that the performance standard(s) remain deficient.

       

      Should
        Fidelity’s performance remain below the service standards following all such
        periods, Customer may elect to either (i) provide Fidelity with additional
        time
        to improve the affected standard, during which time Customer will receive
        a 15%
        reduction in the monthly Fidelity invoice, or (ii) terminate this Agreement
        by
        giving Fidelity written notice of termination. Such termination shall be
        without
        penalty or any charge to Customer other than charges for service fees incurred
        prior to the effective date of termination.

       

      
        	
                5.

              	
                Time
                  Schedules.
                  Customer and Fidelity shall establish a mutually agreeable time
                  schedule
                  for the receipt and delivery of work. Customer acknowledges that
                  such time
                  schedule will be constrained by limitations outside of Fidelity’s control
                  such as but not limited to the courier service provided by the
                  customer,
                  deadlines imposed by the Federal Reserve, the Customer’s account
                  processing deadline requirements, the quantity and quality of the
                  Customer’s transactions, and the backup and maintenance of the Fidelity
                  System.

              

      

       

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

        
           

          
            FIDELITY
              INFORMATION SERVICES, INC.

            ELECTRONIC
              BILL PAYMENT SERVICES SCHEDULE

            

            INITIAL
              TERM

            Five
              (5) years

            

            RENEWAL
              TERM

            Five
              (5) years

            

            COMMENCEMENT
              DATE 

            The
              date
              that the Services are first installed and available for Customer’s use in a
              production environment which is signified by Fidelity turning the system
              over to
              Fidelity support.

            

            

            This
              Schedule together with any attachments and/or exhibits hereto, the
              General Terms
              and Conditions to
              be signed concurrently (“General
              Terms”), and any written modifications thereto signed and agreed to by
Fidelity
              Information Services, Inc.
              of
              Maitland, Florida (“Fidelity”) and Solera
              Bank, N.A. (IO) of Wheat
              Ridge, Colorado
              (“Customer”) from time to time hereafter shall be referred to as the “Bill
              Payment Agreement” or “Agreement”. 

            

            This
              Schedule supersedes and replaces any and all prior agreements between
              the
              parties and/or their affiliates, subsidiaries, predecessors, successors,
              or
              assigns for the same or similar services as those described in this
              Schedule.

            

            
              	
                      1.

                    	
                      DEFINITIONS

                    

            

            

            
              	 	
                      In
                        addition to any other defined terms contained in the General
                        Terms, the
                        following terms shall have the meaning ascribed to them below
                        for the
                        purposes of this Agreement:

                    

            

            

            
              	 	
                      1.1

                    	
                      "Business
                        Day"
                        shall mean every Monday through Friday, excluding Federal
                        Reserve
                        holidays.

                    

            

            

            
              	 	
                      1.2

                    	
                      “Due
                        Date”
                        shall mean the date reflected on the Subscriber’s Payee statement for
                        which the payment is due. 

                    

            

            

            
              	 	
                      1.3

                    	
                      “Fidelity
                        On-line Banking” shall
                        mean
                        the services offered by Fidelity to Customer that provides
                        for the
                        initiation of electronic banking transactions and/or electronic
                        bill
                        payments by the Customer's Subscribers.

                    

            

            

            
              	 	
                      1.4

                    	
                      “First
                        Tier Customer Care”
                        shall mean customer support responsibilities which include,
                        but are not
                        limited to: (1) adding Subscribers; (2) answering incoming
                        calls and
                        incoming e-mail from Subscribers; (3) opening payment research
                        cases; and
                        (4) processing payment research cases. First Tier Customer
                        Care may be
                        performed by either Customer or Processing
                        Agent.

                    

            

            

            
              	 	
                      1.5

                    	
                      “Payee”
                        shall mean any person or entity that receives and accepts
                        remittance data
                        and corresponding funds from the Processing Agent for payments
                        initiated
                        by Subscribers.

                    

            

            

            
              	 	
                      1.6

                    	
                      “Processing
                        Agent” shall
                        mean the entity that provides Bill Payment and Bill Delivery
                        Services, as
                        both are defined below.

                    

            

            

            
              	 	
                      1.7

                    	
                      “Processing
                        Agent Services”
                        or “Services”
                        shall
                        mean
                        the Bill Payment Services and Bill Delivery Services, collectively,
                        offered by Processing Agent. The Services represent a nationwide
                        system
                        for consolidating bill payments into the appropriate remittance
                        data, both
                        paper and electronic, for merchant/billers. The Bill Delivery
                        Services
                        represent a nationwide electronic bill delivery system for
                        the delivery of
                        consumer bills via the Internet.

                    

            

             

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

             

            
              	 	
                      1.8

                    	
                      "Scheduled
                        Payment Date"
                        shall mean the day the Subscriber wants its Payee to receive
                        bill payment
                        and is also the day the Subscriber’s payment account will be debited,
                        unless the Scheduled Payment Date falls on a non-Business
                        Day in which
                        case it will be considered to be the previous Business
                        Day.

                    

            

             

            
              	 	
                      1.9

                    	
                      “Second
                        Tier Customer Care”
                        shall mean Processing
                        Agent’s direct support to the provider(s) of First Tier Customer
                        Care, and
                        includes, but is not limited to, researching bill payment
                        research cases
                        received by the provider(s) of First Tier Customer Care and
                        contacting
                        Payees regarding payment research cases received. The provider
                        of First
                        Tier Customer Care will interact directly with Subscribers,
                        including, but
                        not limited to, handling incoming telephone calls, written
                        and email
                        correspondence, and application technical support. Processing
                        Agent is
                        always the provider of Second Tier Customer Care for all
                        bill payment
                        research cases and network support.

                    

            

            

            
              	 	
                      1.10

                    	
                      “Subscriber(s)” shall
                        mean
                        a consumer account holder of the Customer who generates the
                        electronic
                        bill payments that are initially processed by Customer before
                        being
                        forwarded to Processing Agent for Processing Agent
                        Services.

                    

            

            

            2.    TERM

            

            Unless
              otherwise terminated as provided for in the General Terms or as may
              be set forth
              herein, the term of this Agreement shall commence on the Commencement
              Date and
              shall expire at the end of the Initial Term set forth above. Thereafter,
              this
              Agreement will automatically renew for successive periods of the Renewal
              Term
              set forth above unless either party gives the other party written notice
              at
              least ninety (90) days prior to the expiration date of the Term then
              in effect
              that the Agreement will not be renewed beyond such Term. The Initial
              Term and
              the Renewal Terms are herein collectively referred to as “Term”.

            

            3.    FEES
              

            

            Customer
              agrees to pay to Fidelity the Fees for Services as set forth in Attachment
              1
              beginning on the Commencement Date in accordance with the payment terms
              set
              forth in the General Terms.

            

            
              	
                      4.

                    	
                      DESCRIPTION
                        OF SERVICES

                    

            

             

            
              	 	
                      4.1

                    	
                      Bill
                        Payment.
                        Fidelity will provide to eligible Subscribers with personal
                        computers (PCs
                        running compatible browsers) with the following functionality
                        available:

                    

            

            

            
              	 	
                      4.1.1

                    	
                      View
                        Payments.
                        Subscribers may view the current status of historical payments
                        and view,
                        edit, delete and initiate inquiries concerning processed
                        payments.

                    

            

            

            
              	
                    	4.1.2	
                      Payees.
                        Subscriber may add, view, edit and delete payee
                        information.

                    

            

            

            
              	 	
                      4.1.3

                    	
                      Schedule
                        Payments.
                        Subscriber may specify the account the payment is to be applied,
                        payment
                        amount and date of a single or recurring
                        payment.

                    

            

            

            
              	 	
                      4.1.4

                    	
                      Assistance.
                        Services provide online help and frequently asked questions
                        to assist
                        Subscribers with use and understanding of
                        Services.

                    

            

            

            
              	 	
                      4.1.5

                    	
                      Registration.
                        Subject to Customer approval, Subscribers request access
                        to
                        Services.

                    

            

            

            
              	 	
                      4.1.6

                    	
                      Bill
                        Presentment.
                        Subscriber may request, register, receive, pay and delete
                        electronic
                        versions of their bills from billers participating in the
                        Bill Presentment
                        program.

                    

            

             

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

             

            
              	 	
                      4.2

                    	
                      Terms
                        and Conditions of Services.
                        Fidelity will provide the Services to Subscribers upon the
                        following
                        conditions:

                    

            

             

            
              	
                    	4.2.1	
                      Eligibility.

                    

            

             

            
              	 	
                      (a)

                    	
                      Active
                        Users.
                        Subscriber must be an active user of Fidelity On-line
                        Banking.

                    

            

             

            
              	 	
                      (b)

                    	
                      Eligible
                        Subscribers.
                        Only consumer demand deposit account holders shall be eligible
                        to receive
                        Services (“Consumer Account Holder”). Customer bears sole responsibility
                        for determining a Subscriber’s eligibility as a Consumer Account
                        Holder.

                    

            

             

            
              	 	
                      (c)

                    	
                      Eligible
                        Bank Accounts.
                        Only the following bank account types shall be eligible for
                        Services: (i)
                        Subscribers may only debit/credit funds for Services from
                        demand deposit
                        accounts (checking accounts); (ii) the account must have
                        a valid routing
                        and transit number associated with it, as well as conform
                        to NACHA
                        standards for Automated Clearing House processing of credits
                        and debits;
                        and (iii) the accounts must be accessible by Fidelity On-line
                        Banking.

                    

            

             

            
              	 	
                      (d)

                    	
                      Number
                        of Bank Accounts per Bill Payment Account.
                        Subscribers may debit/credit funds for Services from a maximum
                        of
                        ninety-nine (99) bank accounts per bill payment account.
                        

                    

            

             

            
              	 	
                      4.2.2

                    	
                      Transaction
                        Cap.
                        The Processing Agent will not accept or process payments
                        in excess of
                        $99,999 (the “Transaction Cap”).

                    

            

             

            
              	 	
                      4.2.3

                    	
                      Restricted
                        Payments.
                        The Processing Agent is a pay everyone Service with the exception
                        of
                        payments made outside the United States (acceptable payee
                        addresses
                        discussed in Section 4.2.4 below). Tax payments and court
                        ordered payments
                        can be made using the Services, however Processing Agent
                        has limited
                        ability to research and resolve exceptions relating to such
                        payments.

                    

            

             

            
              	 	
                      4.2.4

                    	
                      Acceptable
                        Payee Addresses.
                        Bill payments may be made to any legal entity within the
                        fifty (50) United
                        States and its territories (i.e. American Samoa, Federated
                        States of
                        Micronesia, Guam, Marshall Islands, Northern Mariana Islands,
                        Palau,
                        Puerto Rico, and the Virgin Islands, collectively referred
                        to as
                        “Territories”).

                    

            

             

            
              	 	
                      4.2.5

                    	
                      Subscribers
                        Accessing the Services Outside the United States.
                        Subscribers may access the Services anywhere they can access
                        Fidelity
                        On-line Banking. However, the Processing Agent does not mail
                        software,
                        reference manuals, Customer support letters or any product-related
                        materials outside the fifty (50) United States and its Territories.
                        Subscriber addresses not in the United States will be substituted
                        with
                        Customer’s address. Customer will be responsible for ensuring these
                        Subscribers receive correspondence from Processing
                        Agent.

                    

            

             

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

             

            
              	 	
                      4.2.6

                    	
                      Credit
                        Risk.

                    

            

             

            
              	
                    	(a)	
                      Processing
                        Agent bears the credit risk associated with potential Non
                        Sufficient Funds
                        (“NSF”) or return items for all Subscribers up to the Transaction
                        Cap.

                    

            

             

            
              	
                    	(b)	
                      Customer
                        is responsible for assisting the Processing Agent in contacting
                        Subscribers in a collections status should the contact information
                        provided to the Processing Agent be
                        invalid.

                    

            

             

            

            
              	
                    	4.2.7	
                      Risk
                        Reduction Measures.

                    

            

             

            
              	
                    	(a)	
                      Fidelity
                        or the Processing Agent may, from time to time, institute
                        certain
                        operating procedures to reduce credit risk and exposure (“Procedures”).
                        Such measures may include, but are not limited to, issuing
                        laser drafts
                        for payments rather than using the ACH network. Customer
                        and all eligible
                        Subscribers are subject to, and shall conform with, all such
                        Procedures.
                        Fidelity shall use commercially reasonable efforts to inform
                        Customer in
                        advance of the implementation of such risk-reduction
                        Procedures.

                    

            

             

            
              	
                    	(b)	
                      The
                        Processing Agent does not secure funds before remitting payments
                        as part
                        of the risk payment-processing model, therefore, Subscribers
                        are subject
                        to a standard credit screening process. In conducting the
                        standard
                        screening, the Processing Agent complies with the Fair Credit
                        Reporting
                        Act and all other applicable laws. This screening does not
                        affect the
                        acceptance or rejection of enrollments in any way, nor will
                        it impact the
                        Subscriber payment scheduling. Screening is used solely to
                        establish the
                        level of risk that Processing Agent assumes for each individual
                        Subscriber, and will not appear on the Subscriber’s credit report.
                        

                    

            

             

            
              	 	
                      4.3

                    	
                      Bill
                        Payment Scheduling.
                        Transactions begin processing four (4) Business Days prior
                        to the
                        Scheduled Payment Date. Subscribers must select a Scheduled
                        Payment Date
                        more than four (4) Business Days before the current date.
                        When scheduling
                        payments Subscribers must select a Scheduled Payment Date
                        that is no later
                        than the actual Due Date unless the Due Date falls on a non-Business
                        Day.
                        If the actual Due Date falls on a non-Business Day, the Subscriber
                        must
                        select a Scheduled Payment Date that is at least one (1)
                        Business Day
                        before the actual Due Date. Scheduled Payment Dates should
                        be prior to any
                        late date or grace period.

                    

            

             

            
              	 	
                      4.3.1

                    	
                      From
                        time to time, Processing Agent may make changes to the above-described
                        procedures. Fidelity will use commercially reasonable efforts
                        to notify
                        Customer thirty (30) days in advance of any such
                        changes.

                    

            

            

            
              	
                    	4.3.2	
                      Payment
                        history information is available online for a rolling six
                        (6) month
                        period. 

                    

            

            

            
              	 	
                      4.3.3

                    	
                      Fidelity
                        shall submit Customer-initiated enhancement requests to Processing
                        Agent.
                        Implementation of these enhancement requests is at Processing
                        Agent’s
                        discretion.

                    

            

             

            
              	 	
                      4.4

                    	
                      Payment
                        Research and Late Fees.
                        Subscribers are eligible for reimbursement of late fees attributable
                        to
                        payment errors by the Processing Agent as provided
                        below:

                    

            

            

            
              	 	
                      4.4.1

                    	
                      Processing
                        Agent’s 2nd
                        Tier Customer Care Standard Operating Procedures.
                        Customer acknowledges receipt of Processing Agent’s 2nd
                        Tier Customer Care Standard Operating Procedure Manual. This
                        document
                        provides for Payment Research Requests and Regulation E
                        procedures.

                    

            

            

            
              	 	
                      4.4.2

                    	
                      Late
                        Fees and Finance Charges.
                        Assuming the Subscriber properly follows the procedures described
                        within
                        the Processing Agent’s 2nd
                        Tier Customer Care Standard Operating Procedures Manual,
                        and Processing
                        Agent fails to send a payment according to the payment instructions
                        received, the Processing Agent will bear responsibility for
                        late charges
                        up to a fifty dollar ($50) maximum. In any other event, the
                        risk of
                        incurring and the responsibility for paying any and all late
                        charges or
                        penalties shall be borne by the Subscriber. Refer to “Late Fees and
                        Finance Charges” in the Processing Agent’s 2nd
                        Tier Customer Care Standard Operating Procedures Manual for
                        complete
                        details.

                    

            

             

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

             

            
              	 	
                      4.4.3

                    	
                      Liability
                        for Unauthorized Transfers.
                        In the event of an unauthorized transfer from Subscriber’s account,
                        Subscriber must immediately notify Customer Care via telephone
                        or email.
                        If the Subscriber or the provider of Customer Care notifies
                        Processing
                        Agent more than two (2) banking business days following such
                        unauthorized
                        transfer, the Subscriber’s liability shall be limited to five hundred
                        dollars ($500). If Subscriber or the provider of Customer
                        Care notifies
                        Processing Agent within two (2) banking business days following
                        such
                        unauthorized transfer, Subscriber’s liability for unauthorized transfers
                        shall be limited to fifty dollars ($50). A Subscriber must
                        report an
                        unauthorized electronic fund transfer that appears on a periodic
                        statement
                        within sixty (60) days of the Customer’s transmittal of the statement to
                        avoid liability for subsequent transfers. If the Subscriber
                        fails to so
                        notify Customer, Processing Agent will not bear any responsibility.
                        

                    

            

             

            
              	 	
                      4.5

                    	
                      Application
                        Fraud.
                        Customer is solely responsible for fraud and/or misrepresentation
                        by
                        Subscriber with respect to completion and submission for
                        application of
                        Services.

                    

            

             

            
              	 	
                      4.6

                    	
                      Certification
                        Training.
                        The Services provided for in this Schedule require certification
                        training
                        of Customer by Processing Agent and/or Fidelity. Customer
                        agrees to
                        provide the resources to be so trained as reasonably requested
                        by Fidelity
                        and/or Processing Agent. The cost of the initial certification
                        training is
                        included in the One-time Set-up Fee for Services. Any additional
                        certification training required or desired shall be charged
                        to Customer at
                        Fidelity’s then-current fees for such
                        services.

                    

            

            

            
              	
                      5.

                    	
                      CONTRACTUAL
                        RELATIONSHIPS

                    

            

            

            Fidelity
              and Processing Agent will have no direct contractual relationship for
              the
              Services with individual Subscribers. This Agreement represents an
              agreement
              between Fidelity and Customer for Processing Agent Services, and Customer
              will
              establish and manage the relationships with its Subscribers. Fidelity
              shall have
              the right to change Processing Agents at its sole discretion, provided
              that no
              material degradation in the performance of Services provided to Customer
              hereunder results.

            

            
              	
                      6.

                    	
                      AUTHORIZED EMPLOYEES

                    

            

            

            Customer
              shall designate in writing to Fidelity on or before the date of the
              implementation kick-off meeting and at least annually thereafter or
              more
              frequently when reasonably requested by Fidelity from time to time,
              employees
              who are authorized to contact Fidelity support personnel to make system
              configuration changes and to authorize other requests for services
              under this
              Agreement. Fidelity may rely on the actions and representations of
              such
              authorized employees without performing any further investigation or
              confirmation. Customer shall be bound by all instructions and/or agreements,
              both written and verbal, entered into between Fidelity and such authorized
              employees.

            

            7.    SERVICE
              LEVELS

            

            
              	 	
                      7.1

                    	
                      General.
                        This Section 7 serves as the means for measuring performance
                        in providing
                        those services which are critical to Customer. In the event
                        that Fidelity
                        or Processing Agent fails to Meet Expectations (as defined
                        below),
                        Customer shall be granted a penalty, in the form of a credit
                        against
                        Customer’s monthly invoice, as set forth below. Such credit shall
                        be
                        Customer’s sole and exclusive remedy for any such failure by Fidelity
                        or
                        Processing Agent.

                    

            

             

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

             

            
              	
                    	7.2	
                      Services
                        Availability

                    

            

            

            
              	 	
                      7.2.1

                    	
                      Description.
                        The Services Availability component encompasses those systems
                        provided by
                        Processing Agent for access by Customer, their representatives,
                        and their
                        users. Services Availability is the acceptable weighted ratio
                        of minutes,
                        based on Services utilization, that the production systems
                        are available
                        (excluding regularly scheduled weekly maintenance of up to
                        four (4) hours
                        one (1) day per week, which will be performed during low
                        Customer impact
                        periods, generally between 2:00 a.m. to 6:00 a.m. Eastern
                        Time on Sundays
                        and the regularly scheduled weekly maintenance for clients
                        utilizing the
                        Check Image Retrieval component/functionality for up to five
                        (5) hours one
                        (1) day per week, generally between 1:00 a.m. to 6:00 a.m.
                        Eastern Time on
                        Sundays) in a calendar month to the total number of minutes
                        in that
                        calendar month, less the exceptions noted herein. From time
                        to time,
                        system upgrades to the platform outside the regularly scheduled
                        weekly
                        maintenance will be performed. Such maintenance will not
                        be included in
                        this Services Availability component.

                    

            

            

            
              	
                    	7.2.2	
                      Target.

                    

            

            

            Meets
              Expectations

            Monthly
              Services Availability 3
              99.0%:
              no penalty.

            

            Below
              Expectations

            Monthly
              Services Availability 3
              98.0%
              and < 99.0%: penalty of 1.0% credit of that calendar month’s invoice to
              Customer.

            

            Monthly
              Services Availability 3
              97.0%
              and < 98.0%: penalty of 3.0% credit of that calendar month’s invoice to
              Customer.

            

            Monthly
              Services Availability < 97.0%: penalty of 5.0% credit of that calendar
              month’s invoice to Customer.

            

            
              	 	
                      7.3

                    	
                      Inapplicability
                        During Disaster.
                        Acts of God can affect performance levels and impact the
                        Services
                        components of this Agreement. The Services components established
                        in this
                        Agreement are for Processing Agent Services provided during
                        normal
                        business operations. In addition, in the event of a situation
                        which
                        necessitates execution of any portion of Processing Agent’s Disaster
                        Recovery Plan, the measurement and reporting of this Agreement
                        will be
                        suspended until the backup site is fully operational and
                        users can resume
                        normal use of the Processing Agent
                        Services.

                    

            

            

            
              	 	
                      7.4

                    	
                      Service
                        Level Exceptions.
                        It is expressly understood that Fidelity shall not be liable
                        to Customer
                        to Meet Expectations and no penalty shall be due to Customer
                        in the event
                        that:

                    

            

            

            
              	 	
                      7.4.1

                    	
                      problems
                        or system outages occur that are associated with systems
                        or providers not
                        directly contracted by Processing Agent or are out of Fidelity’s control,
                        including, but not limited to, telecommunications or network
                        providers,
                        Internet Service Providers (ISPs), any other third party,
                        or the Internet
                        network backbone; or

                    

            

            

            
              	 	
                      7.4.2

                    	
                      problems
                        with tax payments and court ordered payments occur, as Processing
                        Agent
                        has limited ability to research and resolve exceptions relating
                        to such
                        payments; or

                    

            

            

            
              	 	
                      7.4.3

                    	
                      Customer
                        breaches or fails to perform its obligations under the Agreement,
                        including but not limited to, failing to provide Customer
                        resources which
                        causes Fidelity and/or Processing Agent to miss the service
                        level;
                        or

                    

            

            

            
              	 	
                      7.4.4

                    	
                      any
                        Force Majeure event occurs.

                    

            

          

           

           

          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

        

        
           

          
            FIDELITY
              INFORMATION SERVICES, INC.

            ITEM
              PROCESSING SERVICES SCHEDULE

            

            INITIAL
              TERM

            Five
              (5) years

            

            RENEWAL
              TERM

            Five
              (5) years

            

            COMMENCEMENT
              DATE 

            The
              date
              that the Services are first installed and available for Customer’s use in a
              production environment which is signified by Fidelity turning the system
              over to
              Fidelity support.

            

            This
              Schedule together with any attachments and/or exhibits hereto, the
              General Terms
              and Conditions to
              be signed concurrently (“General
              Terms”), and any written modifications thereto signed and agreed to by
Fidelity
              Information Services, Inc.
              of
              Maitland, Florida (“Fidelity”) and Solera
              Bank, N.A. (IO) of Wheat
              Ridge, Colorado (“Customer”)
              from time to time hereafter shall be referred to as the “Item Processing
              Services Agreement” or “Agreement”. 

            

            This
              Schedule supersedes and replaces any and all prior agreements between
              the
              parties and/or their affiliates, subsidiaries, predecessors, successors,
              or
              assigns for the same or similar services as those described in this
              Schedule.

            

            As
              of the Commencement Date for Services, Fidelity will provide to Customer
              the
              Item Processing Services listed on Attachment 1 (“Pricing Attachment”) attached
              to this Schedule, as more fully described in Fidelity’s then current version of
              the Fidelity Item Processing Service Documentation.

             

            1.    DEFINITIONS

            

            In
              addition to any other defined terms contained in the General Terms,
              the
              following terms will have the following meanings with regard to this
              Agreement:

            

            
              	 	
                      1.1

                    	
                      “Account”
                        means a demand deposit, negotiable order of withdrawal, other
                        checking
                        type of account, money market deposit account, or other savings
                        type
                        account offered by Customer to its
                        end-customer(s).

                    

            

             

            
              	
                    	1.2	
                      “BCX
                        Product”
                        shall mean the BCX Services described in this
                        Schedule.

                    

            

             

            
              	 	
                      1.3

                    	
                      “Branch
                        Capture Express”
                        or “BCX”
                        shall mean the capture of Item Images at any location other
                        than the
                        Service Center. 

                    

            

             

            
              	 	
                      1.4

                    	
                      "Business
                        Day"
                        is
                        each weekday, Monday through Friday, which is not a holiday
                        of the
                        Federal
                        Reserve Bank for the Federal Reserve District in which Customer’s
                        principal office is located.

                    

            

             

            
              	 	
                      1.5

                    	
                      "Conversion
                        Services"
                        will mean a mutually agreeable schedule that Fidelity will
                        provide
                        services and instructions reasonably required for Customer
                        to convert to
                        and use the Services.  

                    

            

             

            
              	 	
                      1.6

                    	
                      “Crippled
                        Statement”
                        will mean an end-customer statement whose number of Items
                        to be enclosed
                        is greater than or less than the enclosure count for that
                        statement or as
                        the result of missing Images.

                    

            

             

            
              	 	
                      1.7

                    	
                      “Customer’s
                        Data Processing Services Provider”
                        is
                        the customer itself or vendor appointed by Customer to perform
                        Customer’s
                        core data processing services.

                    

            

             

            
              	 	
                      1.8

                    	
                      “Exception
                        Item”
                        will mean an Item, the automated processing of which is interrupted
                        because of a condition defined by Customer, such definitions
                        which may be
                        changed from time to time. 

                    

            

             

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

             

            
              	 	
                      1.9

                    	
                      “Exception
                        Item File”
                        will mean the file of Exception Items that Customer’s Data Processing
                        Services Provider or Customer’s end customer creates and transmits to
                        Fidelity.

                    

            

             

            
              	 	
                      1.10

                    	
                      “Fidelity
                        Business Hours”
                        are each Business Day from 07:00 to
                        18:00.

                    

            

             

            
              	 	
                      1.11

                    	
                      “Fidelity
                        Image Archive”
                        will mean the electronic storage of the bitonal front and
                        back item images
                        at a Fidelity designated facility.

                    

            

             

            
              	 	
                      1.12

                    	
                      “Internet
                        Banking Access to Check Images”
                        is
                        the Fidelity home banking archive interface described in
                        an attached
                        Exhibit if such additional service is
                        contracted.

                    

            

             

            
              	 	
                      1.13

                    	
                      “Inclearing
                        Item”
                        will mean a Customer Item that Fidelity receives from the
                        Federal Reserve
                        Bank or other financial institution with an incoming cash
                        letter for the
                        purpose of performing Services.

                    

            

             

            
              	 	
                      1.14

                    	
                      “Item
                        Image”
                        is
                        a digitized black and white image of the front and back of
                        each
                        Item.

                    

            

             

            
              	 	
                      1.15

                    	
                      "Item"
                        is
                        a document or other segment of media on which is recorded
                        information
                        evidencing a withdrawal from or draft against (i) a demand
                        deposit,
                        negotiable order of withdrawal, or other checking account
                        offered by
                        Customer to its customers, or (ii) an internal Customer general
                        ledger
                        account, deposit ticket, loan coupon or cash ticket.
                        

                    

            

             

            
              	 	
                      1.16

                    	
                      “Item
                        Posting File” will
                        mean a file that Fidelity creates from captured Items for
                        transmission to
                        Customer’s Data Processing Services
                        Provider.

                    

            

             

            
              	 	
                      1.17

                    	
                      “Item
                        Processing Services” are
                        the Services Fidelity will provide to Customer, and Customer
                        will purchase
                        from Fidelity, for their total requirements for Item Processing
                        Services.
                        

                    

            

             

            
              	 	
                      1.18

                    	
                      “MICR”
                        is
                        the magnetic ink character recognition information that is
                        encoded on
                        Items for processing.

                    

            

             

            
              	 	
                      1.19

                    	
                      “MICR
                        Rejects”
                        will mean Items captured during prime pass that are rejected
                        due to the
                        inability to properly interpret the MICR encoding. The inability
                        to
                        interpret the MICR encoding may be caused by a variety of
                        reasons,
                        including but not limited to: (a) poor MICR encoding; (b)
                        missing MICR
                        encoding; (c) physical document damage. Fidelity will electronically
                        repair and may physically repair the MICR
                        Rejects.

                    

            

             

            
              	 	
                      1.20

                    	
                      “On-Us
                        Item” will
                        mean an Item that is drawn on the Customer or Customer’s
                        end-customer.

                    

            

             

            
              	 	
                      1.21

                    	
                      “Original
                        Item Retrieval” will
                        mean occasionally removing Items from the check vault upon
                        Customer’s
                        request.

                    

            

             

            
              	 	
                      1.22

                    	
                      “Over-the-Counter”
                        will
                        mean Items submitted by Customer branch offices, departments,
                        or
                        Customer’s end-customers for the purpose of performing Item Processing
                        Services.

                    

            

             

            
              	 	
                      1.23

                    	
                      “Posting
                        Reversals” will
                        mean the monetary reversal of posted Items.

                    

            

             

            
              	 	
                      1.24

                    	
                      “Pre-encoded
                        Item” will
                        mean an Item received by Fidelity that has required MICR
                        line fields
                        encoded, which Fidelity will capture.

                    

            

             

            
              	 	
                      1.25

                    	
                      “Prime
                        Pass Item Volume” is
                        defined as the total number of Inclearing and Over-the-Counter
                        or Proof
                        and Transit Items. 

                    

            

             

            
              	 	
                      1.26

                    	
                      “Return
                        Item”
                        will mean an Item that Customer instructs Fidelity to return.
                        Customer
                        will provide Fidelity with a reason for the return of Return
                        Items.

                    

            

             

            
              	 	
                      1.27

                    	
                      “Serial
                        Fine Sort” will
                        mean the sorting of check Items into account, amount, and
                        or check number
                        order. 

                    

            

             

            
              	 	
                      1.28

                    	
                      "Service"
                        or
                        "Services"
                        are all of the services to be provided by Fidelity under
                        this Exhibit,
                        which include Item Processing Services and Conversion
                        Services.

                    

            

             

            
              	 	
                      1.29

                    	
                      "Service
                        Center"
                        is
                        the space at one or more locations where Fidelity performs
                        Item Processing
                        Services.

                    

            

             

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

             

            
              	 	
                      1.30

                    	
                      “Special
                        Programming”
                        will mean the provision of programming resources to support
                        Customer’s
                        request for new or modified products or services.
                        

                    

            

             

            
              	 	
                      1.31

                    	
                      “Statement
                        Cycle Date” will
                        mean the ending cycle date printed on end-customer’s Account
                        statement.

                    

            

             

            
              	 	
                      1.32

                    	
                      “Statement/Notice
                        Rendering”
                        will mean the insertion of an end-customer statement/notice
                        and required
                        Items and inserts into an envelope, sealing the envelope
                        in preparation
                        for mailing to the end-customer. Fidelity may apply postage,
                        which will be
                        recovered by the Customer.

                    

            

             

            
              	 	
                      1.33

                    	
                      "System"
                        or
                        "Systems" are
                        (i) computer programs, including without limitation software,
                        firmware,
                        application programs, operating systems, files, and utilities;
                        (ii)
                        supporting documentation for such computer programs, including
                        without
                        limitation input and output formats, program listings, narrative
                        descriptions, operating instructions and procedures, user
                        and training
                        documentation, special forms, and source code; and (iii) the tangible
                        media upon which such programs are recorded, including without
                        limitation
                        chips, tapes, disks, diskettes, and any other storage
                        media.

                    

            

             

            
              	 	
                      1.34

                    	
                      “Transit
                        Item” is
                        an encoded or Unencoded Item drawn on another financial institution
                        that
                        Fidelity will capture for the purpose of creating an outgoing
                        cash
                        letter.

                    

            

             

            
              	 	
                      1.35

                    	
                      “Unencoded
                        Item”
                        will mean a document received by Fidelity where the dollar
                        amount or any
                        other required data field is not
                        encoded.

                    

            

             

            2.    TERM

            

            Unless
              otherwise terminated as provided for in the General Terms or as may
              be set forth
              herein, the term of this Agreement shall commence on the Commencement
              Date and
              shall expire at the end of the Initial Term set forth above. Thereafter,
              this
              Agreement will automatically renew for successive periods of the Renewal
              Term
              set forth above unless either party gives the other party written notice
              at
              least one hundred eighty (180) days prior to the expiration date of
              the Term
              then in effect that the Agreement will not be renewed beyond such Term.
              The
              Initial Term and the Renewal Terms are herein collectively referred
              to as
“Term”.

            

            3.    FEES
              

            

            Customer
              agrees to pay to Fidelity the Fees for Services as set forth in Pricing
              Attachment beginning on the Commencement Date in accordance with the
              payment
              terms set forth in the General Terms.

            

            4.    ITEM
              PROCESSING DESCRIPTION OF SERVICES

            

            Fidelity
              will perform the following services: 

            

            
              	 	
                      4.1
                        

                    	
                      Proof
                        and Encode.
                        Over the counter (teller) work is filmed by the bank, bundled,
                        then routed
                        to Fidelity. Debit and Credit totals are established and
                        outgoing Cash
                        Letter items are encoded using Fidelity’s Image Processing
                        equipment.

                    

            

            

            
              	 	
                      4.2

                    	
                      Item
                        Capture.
                        Over the counter and Incoming Cash letter items are read
                        by the high speed
                        reader sorter. Images of all documents are digitized and
                        stored on
                        magnetic media along with information needed to post and/or
                        track each
                        document

                    

            

            

            
              	 	
                      4.3

                    	
                      NSF
                        and Un-posted Items.
                        All exception items will be reviewed with the bank if necessary
                        and will
                        then be processed by Fidelity. This includes preparation
                        and disposition
                        of NSF notices, outgoing return cash letters, and ACH returns.
                        Un-posted/unmatched items will be corrected and resubmitted
                        for posting.
                        

                    

            

             

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

             

            
              	 	
                      4.4

                    	
                      Incoming
                        Return Items.
                        Fidelity will process bank’s FRB return cash letter. Returned items will
                        be resubmitted, charged back to the customer account or placed
                        in
                        Customer’s cash items based on prearranged
                        agreements.

                    

            

            

            
              	 	
                      4.5

                    	
                      Statement
                        Rendering.
                        Imaged statements will be printed, metered and mailed by
                        Fidelity for all
                        Checking and Savings accounts based on bank’s instructions. Fidelity will
                        also verify enclosure counts, meter and mail statements on
                        non-imaged
                        accounts. Any account having an image or document discrepancy
                        (cripple
                        statement) that can not be resolved by Fidelity will be forwarded
                        to bank
                        for handling. At bank’s request, Fidelity will insert marketing or other
                        informational material in out-going
                        statements.

                    

            

            

            
              	 	
                      4.6

                    	
                      Research
                        and Adjustments.
                        Fidelity will conduct any necessary research and make appropriate
                        entries
                        required regarding FRB cash letters processed on behalf of
                        Customer.
                        

                    

            

            

            
              	 	
                      4.7

                    	
                      Document
                        Storage.
                        Fidelity will store Customer’s physical items at its facility for
                        safekeeping until they are disposed
                        of.

                    

            

            

            
              	 	
                      4.8

                    	
                      Optical
                        Image Storage.
                        Fidelity will archive document images from Customer’s designated RAID unit
                        to Fidelity’s Optical Disk system as needed for long term
                        storage.

                    

            

            

            
              	 	
                      4.9

                    	
                      Electronic
                        File Transmission.
                        Fidelity will transmit captured item data to bank via high
                        speed data
                        communications for input to bank’s processing
                        system.

                    

            

            

            
              	 	
                      4.10

                    	
                      Branch
                        Capture Xpress.
                        Customer will provide, at Customer’s expense and as documented in the
                        Pricing Attachment, attached hereto, the BCX hardware and
                        software
                        utilized within the branches or other locations designated
                        by Customer and
                        telecommunications connectivity between Customer locations
                        and the Service
                        Center. Fidelity will receive Item Images from Customer’s BCX locations by
                        the timeframe set forth in Exhibit B, Processing Times, of
                        this Schedule.
                        The BCX Items will be processed using Over-the-Counter Image
                        Capture.

                    

            

            

            Fidelity
              will: (i) provide the acquisition and installation of BCX hardware
              and software;
              (ii) process Customer’s data utilizing the BCX Product and report BCX Product
              processing results; (iii) provide one (1) day of training (up to ten
              hours) per
              BCX location and one (1) copy of user documentation to enable Customer
              to
              utilize the BCX Product; and (iv) BCX Product support via telephone
              during
              Fidelity Business Hours. If Fidelity is required to perform BCX Product
              maintenance or support at the Customer location, Fidelity will provide
              these
              services at the then current programming hourly rate plus materials
              and any
              travel related expenses. 

            

            5.    CUSTOMER'S
              OBLIGATIONS

             

            Customer
              will:

            

            
              	 	
                      5.1

                    	
                      Perform
                        all of its obligations hereunder, including but not limited
                        to testing,
                        reviewing and otherwise adhering to the timeframes set forth
                        in the
                        implementation project plan, in a timely manner;
                        and

                    

            

            

            
              	 	 	
                      5.2

                    	
                      Deliver
                        to Fidelity all Items,
                        in
                        a condition and form consistent with the generally accepted
                        requirements
                        of a high-speed item processing operation.
                        Customer assumes full responsibility for the accuracy, completeness,
                        and
                        authenticity of all Items furnished to Fidelity, and Fidelity
                        will thus be
                        entitled to rely thereon and will have no obligation or responsibility
                        to
                        audit, check, or verify the Items. Without limiting the generality
                        of the
                        foregoing, Customer will have sole responsibility for (a)
                        verifying dates,
                        signatures, amounts, authorizations, endorsements, payment
                        notices,
                        collection times, fees and charges imposed by Customer on
                        its customers
                        and other similar matters on all Items delivered to Fidelity;
                        (b) placing
                        stop payments and holds on Accounts; and (c) determining
                        the correctness
                        of all magnetic ink inscribed or appearing on Items, regardless
                        of by whom
                        or when inscribed. If any Items submitted to Fidelity are
                        incorrect, or
                        in
                        a condition inconsistent with the generally accepted requirements
                        of a
                        high speed item processing operation,
                        Fidelity may, in its sole discretion, either (i) require
                        Customer to
                        resubmit completed and corrected Items, or (ii) correct and
                        complete the
                        Items itself and Customer will pay Fidelity the charges for
                        any additional
                        services provided by Fidelity to correct or complete such
                        Items or
                        otherwise prepare such Items for
                        processing.

                    

            

             

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

             

            
              	
                    	5.3	
                      Provide
                        Inclearing, Unencoded and Pre-encoded Items to Fidelity Business
                        Day
                        according to the Processing Times contained in the attached
                        Exhibit.

                    

            

            

            
              	 	
                      5.4

                    	
                      Provide
                        to Fidelity by mutually agreeable means, current information
                        reasonably
                        required by Fidelity concerning the Accounts offered by Customer
                        to its
                        end-customers and internal Customer general ledger
                        accounts.

                    

            

            

            
              	 	
                      5.5

                    	
                      Ensure
                        that all Items and other documents or media which Fidelity
                        may be required
                        to process under this Schedule are in a format acceptable
                        to Fidelity and
                        contain, in machine readable form, the data and information
                        required by
                        Fidelity.

                    

            

            

            
              	 	
                      5.6

                    	
                      Ensure
                        appropriate personnel of Customer are properly trained to
                        utilize the Item
                        Processing Services. 

                    

            

            

            
              	 	
                      5.7

                    	
                      In
                        a manner prescribed by Fidelity, Customer will balance non-business
                        Account statement cycles for monthly periodic statements
                        so that
                        approximately the same number of statements are to be prepared
                        on each of
                        the statement cycles (not more than twenty (20) Business
                        Days during the
                        month). The monthly statement print files will be transmitted,
                        in a format
                        acceptable to Fidelity, including intelligent insertion marks
                        or bar
                        coding indicating the number of Items to be enclosed with
                        each
                        statement.

                    

            

            

            
              	
                    	5.8	
                      Communicate
                        any changes or modifications to the statement cycle, permanent
                        or
                        temporary, to Fidelity at least five (5) Business Days in
                        advance
                        of
                        the Statement Cycle Date.

                    

            

            

            
              	
                    	5.9	
                      Cooperate
                        with Fidelity in the performance of Item Processing Services
                        and provide
                        to Fidelity such data and information, management decisions,
                        regulatory
                        interpretations and policy guidelines as Fidelity reasonably
                        requires.

                    

            

            

            
              	
                    	5.10	
                      Provide
                        Fidelity with contact list and escalation procedures to insure
                        that
                        production problems and other issues requiring Customer attention
                        are
                        addressed on a timely basis by the appropriate
                        individual(s).

                    

            

            

            
              	
                    	5.11	
                      Be
                        responsible for the transportation of all Items, records,
                        and other data
                        between Customer offices and the Service Center and the related
                        costs.

                    

            

            

            
              	
                    	5.12	
                      Appoint
                        Fidelity as its agent for purposes of receiving Items from
                        and returning
                        Items to clearing organizations. Customer will notify all
                        appropriate
                        third parties of such appointment and pay or reimburse Fidelity
                        for any
                        charges payable to such clearing organizations for, or required
                        as a
                        condition to, so receiving or returning
                        Items.

                    

            

            

            
              	
                    	5.13	
                      Forward
                        directly to Fidelity any On-Us Items or other Items that
                        are posted by or
                        on behalf of Customer without being entered into the clearing
                        process.

                    

            

            

            
              	 	
                      5.14

                    	
                      Networking
                        and communication devices provided by Customer must be approved
                        by
                        Fidelity to insure compatibility with the Fidelity
                        System.

                    

            

             

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

             

            
              	 	
                      5.15

                    	
                      Transmit
                        Item Images and Items to the Service Center or Customer location
                        in
                        accordance with the timeframe set forth in Exhibit B, Processing
                        Times, of
                        this Schedule. Customer will re-transmit or capture and re-transmit
                        Item
                        Images that were not received by Fidelity or were unreadable
                        when received
                        by Fidelity.

                    

            

            

            
              	 	
                      5.16

                    	
                      Utilize
                        internal documents that will enhance amount recognition software’s read
                        rates. Read rates must remain higher than 50% for BCX.  

                    

            

            

            6.    PROBLEM
              REPORTING AND RESOLUTION

            

            6.1.
               Problem
              Reporting.
              Customer is responsible for reporting problems to Fidelity's customer
              service or
              operations staff at the contact numbers or addresses provided by Fidelity
              from
              time to time.

            

            6.2.
              Problem
              Response.
              Fidelity shall respond to each reported problem promptly based on the
              severity
              of the problem and its effect on Customer's operations. Fidelity shall
              use
              reasonable commercial efforts to either resolve each problem or provide
              Customer
              with information to allow Customer's personnel to address the problem.
              In the
              event the resolution of a reported problem which materially impacts
              Customer's
              operations will carry-over to the next business day, Fidelity will
              provide
              Customer with a status report for the problem and an estimate of the
              resolution
              time and course, if possible. 

            

            7.  OTHER
              SERVICES

            

            7.1   Item
              Posting File Transmission Contingency.
              In the
              event that Fidelity is unable to successfully transmit any Item Posting
              File to
              Customer, Fidelity will burn a CD-ROM or DVD containing the data and
              make it
              available for pickup by Customer or Customer’s courier, or, arrange for courier
              delivery to Customer’s Data Processing Services Provider.

            

            7.2
               Image
              Processing System Reports.
              Fidelity will provide standard reports - All Items Listing, Cash Letter
              Detail,
              Cash Letter Summary, Change Log, and the Item Balancing Sheet - in
              a mutually
              acceptable format each Business Day and make the file available for
              pickup by
              Customer using a TCP/IP transfer utility or physically available by
              the
              timeframe documented in Exhibit B, Processing Times.

            

            8.    MISCELLANEOUS

            

            8.1
               Programming
              Support.
              Fidelity will provide Special Programming at Customer’s request for new or
              modified products or services at the current programming hourly
              rate.

            

            8.2
               On-site
              Consulting.
              Fidelity will provide item processing consulting services at Customer’s request
              for new or modified products or services at the current hourly rate.
              

            

            8.3
               Courier
              Services.
              Customer will be responsible for the selection, expense and overall
              management
              of the couriers that are used for the transportation of all Items,
              records, and
              other data between Customer offices and the Service Center, the Inclearing
              Items
              from the Federal Reserve Bank to the Service Center, and for the transportation
              of Transit Items to the Federal Reserve Bank or other upstream correspondent
              banks. The
              parties agree that such courier service may be either an existing courier
              service shared by other Fidelity customers or, if Customer in its sole
              discretion determines that it is not feasible or desirable to utilize
              such
              existing courier service, such other courier service as is designated
              by
              Customer. 

            

            8.4
               Change
              of Core Provider.
              Customer will provide Fidelity with at least 180 days advance written
              notice of
              its intent to change Customer’s Data Processing Services Provider. If Customer
              elects to change its Data Processing Services Provider, Customer will
              pay to
              Fidelity the certification and related charges necessary for Fidelity
              to
              determine how the image item capture services provided under this Schedule
              may
              continue to be provided following such change.

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

            INTERNET
              BANKING ACCESS TO CHECK IMAGES

            EXHIBIT
              A

            

            
              	
                    	1.	
                      Statement
                        of Services.
                        This Internet Banking Access to Check Images Product is designed
                        and usage
                        is intended to enable the access, retrieval, and transfer
                        of a single Item
                        Image from the Fidelity Image Archive to the Customer’s home banking
                        application utilized by account holders of Customer for presentation
                        of a
                        single Item Image per each account holder’s request. Use of the Home
                        Banking Archive Interface Product for all other purposes
                        is expressly
                        prohibited without the written approval of Fidelity. This
                        Exhibit
                        authorizes use of the Home Banking Archive Interface Product
                        to interface
                        with the following home banking application (check one box
                        only):

                    

            

            

            
              	
                    	x	
                      Fidelity
                        eBanking - Home Banking

                    

            

            

            Fidelity
              or its designees will perform all modifications or customizations to
              the Home
              Banking Archive Interface Product requested by Customer under an approved
              written professional services agreement between the parties. 

            

            
              	 	
                      2.

                    	
                      Payment
                        for Services.
                        In consideration for the provision set forth above, Customer
                        will pay
                        Fidelity the amounts set forth in the Pricing Attachment
                        attached hereto
                        after the Implementation Date of the Home Banking Archive
                        Interface
                        Product. Monthly fees are for management and operation of
                        the Home Banking
                        Archive Interface Product as defined and exclude all other
                        charges,
                        specifically necessary telecommunication connectivity
                        requirements.

                    

            

            

            
              	 	
                      3.

                    	
                      Customer
                        Responsibilities.
                        Customer will (i) provide all telecommunications components
                        necessary for
                        connectivity between the Home Banking Archive Interface Product
                        and
                        Customer’s home banking application; (ii) provide Fidelity specifications
                        necessary for the implementation and testing of the Home
                        Banking Archive
                        Interface Product; (iii) grant Fidelity access to data generated
                        by the
                        Home Banking Archive Interface Product for support purposes;
                        (iv) contract
                        with Fidelity for Fidelity Intranet/Internet Access to Images
                        services;
                        and (v) perform all commercially reasonable user authentication,
                        data
                        encryption, “firewall protection”, and security management related to
                        connecting and using the Home Banking Archive Interface Product
                        and
                        accessing the Fidelity Image Archive that is accordance with:
                        (a)
                        generally accepted industry standards, (b) industry regulatory
                        requirements, and (c) Fidelity published network connectivity
                        standards.

                    

            

            

            
              	 	
                      4.

                    	
                      Performance
                        Standards.
                        The Home Banking Archive Interface Product will be available
                        seven days
                        per week except for time periods designated by Fidelity to
                        perform system
                        maintenance, repair, and component upgrades or replacement.
                        Images
                        captured by Fidelity will be available to the Home Banking
                        Archive
                        Interface Product by 08:00 a.m. local time the following
                        Business Day.
                        Images will remain available to the Home Banking Archive
                        Interface Product
                        for a period not to exceed ninety (90) days.

                    

            

            

            Fidelity’s
              failure to achieve this performance standard will not be conclusive
              evidence of
              a material breach by Fidelity of its obligations under this Exhibit.
              Customer
              may, however, if the facts and circumstances of such failure so warrant,
              declare
              a material breach of this Exhibit.

            

            
              	 	
                      5.

                    	
                      Home
                        Banking Archive Interface Product Warranty.
                        CUSTOMER’S
                        SOLE WARRANTY WITH RESPECT TO COMPUTER HARDWARE AND SOFTWARE
                        SUPPLIED BY
                        THIRD PARTIES AND USED BY FIDELITY IN PROVIDING THE SERVICE
                        UNDER THIS
                        EXHIBIT, IS THE WARRANTY PROVIDED BY SUCH THIRD PARTY AS
                        IT MAY BE
                        AVAILABLE TO CUSTOMER. FIDELITY HEREBY DISCLAIMS ANY REPRESENTATION
                        OR
                        WARRANTY WHATSOEVER ABOUT THE PERFORMANCE OR LEGAL OR REGULATORY
                        COMPLIANCE, INCLUDING ANY WARRANTY OF MERCHANTABILITY OR
                        FITNESS FOR A
                        PARTICULAR PURPOSE OF ANY COMPUTER HARDWARE AND SOFTWARE
                        SUPPLIED BY THIRD
                        PARTIES. Customer
                        acknowledges that Fidelity has no duty or responsibility
                        to modify any
                        such third-party product, except to the extent that the vendor
                        thereof has
                        such a duty or responsibility to modify such product pursuant
                        to the
                        applicable license agreement between Fidelity and such
                        vendor.

                    

            

             

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

             

            PROCESSING
              TIMES

            EXHIBIT
              B

            

            
              	 	
                      1.

                    	
                      PROCESSING
                        TIMES

                    

            

            

            All
              times
              indicated in this Exhibit refer to the time zone in which the Service
              Center is
              located.

            

            
              	 	
                      I.

                    	
                      Client
                        Delivery Requirements.

                    

            

            

            
              	
                      Over-the-Counter
                        Items

                    	
                      Business
                        Day - Monday through Friday 

                      50%
                        by 16:00

                      100%
                        by 18:00

                    
	
                      Inclearing
                        Items

                    	
                      Business
                        Day - Monday through Friday 

                      RCPC
                        by 09:30

                      City
                        by 13:30

                    

            

            

            
              	 	
                      II.

                    	
                      File
                        Transmission
                        Requirements.

                    

            

             

            
              	
                      Over-the-Counter
                        Transmission by Fidelity

                    	
                      Business
                        Day - Tuesday through Thursday 

                      24:00

                      Business
                        Day - Monday (or day following holiday) 01:00

                      Business
                        Day - Friday 02:00

                    
	
                      Inclearing
                        Transmission by Fidelity

                    	
                      Business
                        Day - Monday through Friday 

                      22:00

                    
	
                      Statement
                        Print Text File Transmission(s) Completed by Client 

                    	
                      First
                        Business Day following Statement Cycle Date

                      04:00

                    
	
                      Statement
                        Reconciliation File Transmission(s) Completed by Client -
                        Image Statement
                        Only

                    	
                      First
                        Business Day following Statement Cycle Date

                      04:00

                    
	
                      Exception
                        Item File Transmission Completed by Client

                    	
                      Next
                        Calendar Day 

                      02:30

                    
	
                      Return
                        Item File Transmission by Client

                    	
                      Business
                        Day - Monday through Friday 

                      13:00

                    

            

            

            
              	 	
                      III.

                    	
                      Same
                        Day Settlement by
                        Fidelity.

                    

            

             

            
              	
                      Same
                        Day Settlement Adjustments 

                    	
                      Business
                        Day of Presentment - Monday through Friday 14:30

                    
	
                      Same
                        Day Settlement Adjustments Documentation Available for Pick-Up
                        

                    	
                      Business
                        Day of Presentment - Monday through Friday
                        18:00

                    

            

            

            
              	 	
                      IV.

                    	
                      Image
                        Archive Available by
                        Fidelity.

                    

            

             

            
              	
                      Image
                        Archive Available by Fidelity 

                    	
                      Next
                        Calendar Day 

                      07:30

                    

            

            

            
              	 	
                      V.

                    	
                      Return
                        Items and Large Item Returns by
                        Fidelity.

                    

            

             

            
              	
                      Return
                        Item Cash Letter Available for Pick-Up 

                    	
                      Business
                        Day - Monday through Friday 23:59

                    
	
                      Large
                        Item Notifications 

                    	
                      Business
                        Day - Monday through Friday 23:59

                    
	
                      Large
                        Item Notification Report Available for Pick-Up 

                    	
                      Next
                        Business Day - Monday through Friday
                        07:30

                    

            

             

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

             

            
              	 	
                      VI.

                    	
                      Exception
                        Items or Crippled Statements Available for Pickup by
                        Client.

                    

            

            

            
              	
                      Exception
                        Items Available for Pickup by Client

                    	
                      Next
                        Business Day Monday through Friday

                      07:30

                    

            

            

            
              	 	
                      VII.

                    	
                      Print
                        Available for Pickup by
                        Client.

                    

            

            

            
              	
                      Print
                        Available for Pickup by Client

                    	
                      Next
                        Business Day - Monday through Friday

                      07:30

                    

            

            

            
              	 	
                      VIII.

                    	
                      BCX
                        Processing Times. Client Delivery Requirements.

                    

            

            

            
              	
                      BCX
                        Over-the-counter Images 

                    	
                      Business
                        Day - Monday through Friday 

                      50%
                        by 14:00

                      100%
                        by 17:00

                    
	
                      BCX
                        Over-the-counter Items 

                    	
                      Business
                        Day - Monday through Friday 

                      100%
                        by 19:00

                    

            

             

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

          

        

        
           

          
            FIDELITY
              INFORMATION SERVICES, INC.

            NETWORK
              SERVICES SCHEDULE

            

            INITIAL
              TERM

            Five
              (5)
              Years

            

            RENEWAL
              TERM

            Five
              (5)
              Years

            

            COMMENCEMENT
              DATE

            The
              date
              that the Services are first installed and available for Customer’s use in a
              production environment which is signified by Fidelity turning the system
              over to
              Fidelity support.

            

            This
              Schedule together with any attachments and/or exhibits hereto, the
              General Terms
              and Conditions to be signed concurrently (“General Terms”), and any written
              modifications thereto signed and agreed to by Fidelity
              Information Services, Inc.
              of
              Maitland, Florida (“Fidelity”) and Solera
              Bank, N.A. (IO) of
              Wheat
              Ridge, Colorado (“Customer”) from time to time hereafter shall hereafter be
              referred to as the “Network Services Agreement”, or “Agreement”.

            

            This
              Schedule supersedes and replaces any and all prior agreements between
              the
              parties and/or their affiliates, subsidiaries, predecessors, successors,
              or
              assigns for the same or similar services as those described in this
              Schedule.

            

            
              	
                      1.

                    	
                      TERM

                    

            

            

            
              	 	
                      Unless
                        otherwise terminated as provided for in the General Terms
                        or as may be set
                        forth herein, the term of this Network Services Agreement
                        shall commence
                        on the earlier of (a) the Effective Date as set forth on
                        the Signature
                        Page attached hereto or the (b) Commencement Date, as set
                        forth above, and
                        shall expire after the Initial Term provided above. Thereafter,
                        this
                        Network Services Agreement will automatically renew for successive
                        Renewals Terms as provided above unless either party gives
                        the other party
                        written notice at least one hundred eighty (180) days prior
                        to the
                        expiration date of the Term then in effect that this Network
                        Services
                        Agreement will not be renewed beyond such Term. The Initial
                        Term and the
                        Renewal Terms are herein collectively referred to as
                        “Term”.

                    

            

            

            
              	
                      2.

                    	
                      FEES

                    

            

            

            Customer
              agrees to pay to Fidelity the Fees for Services as set forth in the
              Network
              Services Proposal (“NSP”) Summary attached hereto, beginning on the Commencement
              Date in accordance with the payment terms set forth in the General
              Terms.
              Customer shall begin paying the recurring fees to Fidelity on the Commencement
              Date for Services and shall continue to make payment of such recurring
              fees in
              accordance with the payment terms of the Agreement for so long as Fidelity
              shall
              be providing services to Customer pursuant to the Agreement. The recurring
              fees
              are subject to adjustment annually pursuant to Section 3.4 of the General
              Terms.
              Additional professional services requested by Customer shall be billed
              to
              Customer at Fidelity’s then current rate for such professional
              services.

            

            Fifty
              percent (50%) of the one-time fees are due upon execution of the Agreement,
              and
              the remaining fifty percent (50%) is due upon delivery of the equipment.
              In
              addition to the fees and charges stated in this Agreement, Fidelity
              will invoice
              Customer, and Customer will pay for Fidelity’s reasonably travel and related
              expenses incurred in providing the Services. Customer
              also agrees to pay additional data communication charges, or other
              services
              contained in the NSP, if applicable. In
              addition to the fee increases provided elsewhere in the Agreement,
              Fidelity may
              increase fees and charges in this Schedule based upon market increases
              in
              telecommunications access/bandwidth fees and charges, as
              applicable.

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

            

            
              	
                      3.

                    	
                      SERVICES
                        DESCRIPTION

                    

            

            

            Fidelity
              agrees to provide the network services, circuits, equipment and professional
              services contained in NSP Summary No. 18708 dated January 20, 2006,
              attached
              hereto, which is hereby incorporated into this Agreement by this reference..
              

            

            Fidelity
              will provide a managed virtual private network (“VPN”) solution. A measured
              business line (“MBL”) will be provided for router management. MBL charges do not
              include long distance or usage charges, which will be billed separately.
              Customer will provide Internet access for the VPN connection and a
              static IP
              address. 

            

            
              	
                      4.

                    	
                      SCHEDULING
                        SERVICES

                    

            

            

            
              	 	
                      Fidelity
                        and Customer will mutually agree upon a schedule of when
                        and where the
                        Services will be performed.

                    

            

            

            
              	
                      5.

                    	
                      CUSTOMER
                        RESOURCES REQUIRED

                    

            

            

            Customer
              agrees to cooperate with Fidelity during the provision of the Services
              by making
              the necessary members of Customer’s staff available to work with Fidelity’s
              personnel at the times and locations reasonably requested by
              Fidelity.

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

          

        

         

        
          FIDELITY
            INFORMATION SERVICES, INC.

          INTERNET
            BANKING SERVICES SCHEDULE

          

          INITIAL
            TERM

          Five
            (5) years

          

          RENEWAL
            TERM

          Five
            (5) years

          

          COMMENCEMENT
            DATE 

          The
            date
            that the Services are first installed and available for Customer’s use in a
            production environment which is signified by Fidelity turning the system
            over to
            Fidelity support.

          

          This
            Schedule together with any attachments and/or exhibits hereto, the General
            Terms
            and Conditions to
            be signed concurrently (“General
            Terms”), and any written modifications thereto signed and agreed to by
Fidelity
            Information Services, Inc.
            of
            Maitland, Florida (“Fidelity”) and Solera
            Bank, N.A. (IO) of Wheat
            Ridge, Colorado
            (“Customer”) from time to time hereafter shall be referred to as the “Internet
            Banking Agreement” or “Agreement”. 

          

          This
            Schedule supersedes and replaces any and all prior agreements between
            the
            parties and/or their affiliates, subsidiaries, predecessors, successors,
            or
            assigns for the same or similar services as those described in this
            Schedule.

           

          As
            of the Commencement Date for Services, Fidelity will provide to Customer
            the
            Internet Banking Services listed on Attachment 1 attached to this Schedule,
            as
            more fully described in Fidelity’s then current version of the Fidelity Internet
            Banking Service Documentation.

           

          1.    DEFINITIONS

          

          In
            addition to any other defined terms contained in the General Terms, the
            following terms will have the following meanings with regard to this
            Agreement:

          

          
            	 	
                    1.1

                  	
                    "Customer
                      Base"
                      shall mean those clients or members of Customer as of the Commencement
                      Date of Services and those who become clients or members of
                      Customer
                      during the term.

                  

          

          

          
            	 	
                    1.2

                  	
                    “Customer
                      Data Center”
                      shall mean Customer’s internal data processing department, loan
                      origination system, or Customer’s Fidelity service
                      bureau.

                  

          

          

          
            	 	
                    1.3

                  	
                    "Documentation"
                      shall mean the installation and operating instructions for
                      Customer’s use
                      of the System.

                  

          

          

          
            	 	
                    1.4

                  	
                    "End User"
                      shall mean those in the Customer Base whose data resides in
                      the Fidelity
                      System.

                  

          

          

          
            	 	
                    1.5

                  	
                    “Equipment”
                      (if applicable) shall mean Customer’s computer equipment, software,
                      communications software, communications lines, router, channel
                      service
                      unit, dial-up modem, connecting cables, and any additional
                      equipment (e.g.
                      personal computer, emulex box, etc.) needed to meet the required
                      specifications for use with the
                      System.

                  

          

          

          
            	 	
                    1.6

                  	
                    “Fidelity's
                      Secure Server”
                      shall mean the server-grade computers owned and maintained
                      by Fidelity
                      and/or its Processing Agents on which the System and Customer’s website
                      resides.

                  

          

           

           

          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

           

          
            	 	
                    1.7

                  	
                    “Fidelity
                      Internet Banking Service Documentation”
                      shall mean Fidelity’s then current documentation which (a) describes the
                      Services, (b) sets forth additional terms and conditions governing
                      the
                      provision of the Services, and (c) sets forth additional Customer
                      duties
                      and obligations regarding the
                      Services.

                  

          

          

          
            	 	
                    1.8

                  	
                    “Software"
                      shall mean that portion of the System that is comprised of
                      Fidelity’s
                      computer programs installed on Fidelity’s Secure
                      Server.

                  

          

          

          
            	 	
                    1.9

                  	
                    “System"
                      shall mean Fidelity's Software and proprietary Internet banking
                      system as
                      more fully described in the Fidelity Internet Banking Services
                      Documentation, together with all modifications made available
                      to Customer
                      under this agreement.

                  

          

          

          
            	 	
                    1.10

                  	
                    “Website”
                      shall mean Customer’s Internet presence found at Customer's Uniform
                      Resource Locator (URL) address.

                  

          

           

          2.    TERM

          

          Unless
            otherwise terminated as provided for in the General Terms or as may be
            set forth
            herein, the term of this Agreement shall commence on the Commencement
            Date and
            shall expire at the end of the Initial Term set forth above. Thereafter,
            this
            Agreement will automatically renew for successive periods of the Renewal
            Term
            set forth above unless either party gives the other party written notice
            at
            least one hundred eighty (180) days prior to the expiration date of the
            Term
            then in effect that the Agreement will not be renewed beyond such Term.
            The
            Initial Term and the Renewal Terms are herein collectively referred to
            as
“Term”.

          

          3.    FEES
            

          

          Customer
            agrees to pay to Fidelity the Fees for Services as set forth in Attachment
            1
            beginning on the Commencement Date in accordance with the payment terms
            set
            forth in the General Terms.

          

          4.    FIDELITY'S
            OBLIGATIONS

          

          Fidelity
            will: 

           

          
            	 	
                    4.1
                      

                  	
                    Register
                      an Internet domain name on behalf of Customer, for which Customer
                      will be
                      invoiced in the first year at the price set forth in Attachment
                      1 and
                      annually thereafter at the then-current renewal list price
                      offered by the
                      third party that provides the domain registration
                      service;

                  

          

           

          
            	 	
                    4.2

                  	
                    Register
                      a domain security key on behalf of Customer, for which Customer
                      will be
                      invoiced in the first year at the price set forth in Attachment
                      1 and
                      annually thereafter at the then-current renewal list price
                      offered by the
                      third party that provides the domain security key registration
                      service;

                  

          

          

          
            	 	
                    4.3

                  	
                    Provide
                      to Customer specifications for the Equipment Customer will
                      need from time
                      to time for the Services; 

                  

          

          

          
            	 	
                    4.4

                  	
                    Train
                      Customer personnel in the daily use and operation for the System;
                      and

                  

          

          

          
            	 	
                    4.5

                  	
                    Provide
                      the Internet Banking Services (the “Services”) listed on Attachment 1 in
                      accordance with the Fidelity Internet Banking Service Documentation.
                      The
                      applicable parts of the Fidelity Internet Banking Service Documentation
                      are hereby incorporated into this Agreement by this reference
                      as if fully
                      set forth herein.

                  

          

           

           

          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

          
5.    CUSTOMER'S
            OBLIGATIONS

           

          Customer
            will:

          

          
            	 	
                    5.1

                  	
                    As
                      promptly as practicable following the execution of this Agreement,
                      and at
                      its cost and expense, obtain or otherwise make available to
                      Fidelity the
                      Equipment needed for the Services;
                      and

                  

          

          

          
            	 	
                    5.2

                  	
                    Perform
                      all of its obligations hereunder, including but not limited
                      to testing,
                      reviewing and otherwise adhering to the timeframes set forth
                      in the
                      implementation project plan, in a timely manner;
                      and

                  

          

          

          
            	 	
                    5.3

                  	
                    Comply
                      with all reasonable instructions issued by Fidelity from time
                      to
                      time.

                  

          

           

          
            	
                    6.

                  	
                    SOFTWARE
                      ACCESS RIGHT 

                  

          

           

          During
            the term, and subject to the limitations set forth herein, Fidelity grants
            to
            Customer a limited, non-exclusive, and non-assignable right to access
            the
            Software located on Fidelity’s Secure Server for the purpose of receiving the
            Services and offering the System for use by End Users. Fidelity reserves
            all
            rights not expressly granted herein. Without limiting the foregoing,
            Customer
            has no right to possess the Software or any copies thereof in any
            form.

           

          
            	
                    7.

                  	
                    FIDELITY
                      AUTHORIZATON

                  

          

           

          Customer
            acknowledges and agrees that Fidelity’s implementation of the System and
            provision of Services hereunder necessitates certain agreements with
            third
            parties (such as licensing agreements for software or hardware used in
            the
            System). Customer hereby authorizes Fidelity to: 

           

          
            	 	
                    7.1

                  	
                    Act
                      as Customer’s agent for the limited purpose of entering into, on
                      Customer’s behalf, agreements necessary to register the domain name
                      and
                      the domain security key for Customer;
                      and

                  

          

          

          
            	 	
                    7.2

                  	
                    Install
                      any hardware or software reasonably required for Fidelity’s implementation
                      of the System and Services; and 

                  

          

          

          
            	 	
                    7.3

                  	
                    Access
                      End User information and data files from, and deliver information
                      and data
                      files to Customer Data Center on behalf of Customer. Customer
                      agrees to
                      provide all appropriate privacy or other notices to End Users
                      regarding
                      Fidelity’s access to End User information residing at the Customer Data
                      Center. Customer further acknowledges and agrees that Customer’s Website
                      may contain identifications (e.g., name, logo or brand) of
                      third-party
                      providers of certain services and expressly authorizes such
                      identifications so long as they are reasonable in size, presentation
                      and
                      frequency.

                  

          

           

          8.    SYSTEM
            CHANGES 

          

          Fidelity
            has the right to:

          

          
            	 	
                    8.1

                  	
                    Update
                      the System including, without limitation, to (i) make changes
                      in the
                      method of access to or delivery of the System including, without
                      limitation, interface procedures, which are provided to Customer
                      at no
                      additional cost (“Interface Changes”), and (ii) add improvements to the
                      System which are provided to Customer at no additional cost
                      (“System
                      Enhancements”), provided however that the quality of the Services is not
                      materially harmed by such modification(s);
                      and

                  

          

           

          
            	 	
                    8.2

                  	
                    Substitute
                      any brand or third-party provider of the Services, at its sole
                      discretion,
                      at any time with or without notice, provided that the quality
                      of the
                      Services is not materially harmed by such substitution. Customer
                      acknowledges and agrees that it will not rely on identification
                      in this
                      Agreement of specific brands or names of third-party providers
                      as a
                      promise by Fidelity to use any particular brand or third-party
                      provider.
                      

                  

          

           

          
            	
                    9.

                  	
                    CUSTOMER
                      INDEMNIFICATION 

                  

          

           

          In
            addition to any other indemnification requirements provided in the General
            Terms, with respect to the Services provided under this Agreement, Customer
            will
            indemnify and hold harmless Fidelity from, and defend Fidelity against,
            any
            claims arising from Fidelity’s compliance with specifications or instructions of
            Customer or a member of the Customer Base.

           

          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

         

         

        FIDELITY
          INFORMATION SERVICES, INC.

        ELECTRONIC
          FUNDS TRANSFER (EFT) SERVICES SCHEDULE

        

        INITIAL
          TERM

        Five
          (5)
          years

        

        RENEWAL
          TERM

        Five
          (5)
          years

        

        COMMENCEMENT
          DATE FOR SERVICES

        The
          date
          that the Services are first installed and available for Customer’s use in a
          production environment which is signified by Fidelity turning the system
          over to
          Fidelity support.

         

        This
          Schedule together with any Attachments and/or Exhibits hereto, the General
          Terms
          and Conditions to be signed concurrently (“General Terms”), and any written
          modifications thereto signed and agreed to by Fidelity
          Information Services, Inc.
          of
          Maitland, Florida (“Fidelity”) and Solera
          Bank, N.A. (IO) of
          Wheat
          Ridge, Colorado (“Customer”) from time to time hereafter shall be referred to as
          the “EFT Agreement” or “Agreement”. 

        

        This
          Schedule supersedes and replaces any and all prior agreements between the
          parties and/or their affiliates, subsidiaries, predecessors, successors,
          or
          assigns for the same or similar services as those described in this
          Schedule.

        

        
          	
                  1.

                	
                  DEFINITIONS

                

        

        In
          addition to any other defined terms contained in the Agreement, the following
          terms will have the following meanings with regard to this
          Schedule:

        

        
          	 	
                  1.1

                	
                  “ATM
                    Equipment” shall mean an Automated Teller Machine (“ATM”) or other
                    financial terminal or device owned or controlled by Customer
                    which is to
                    be connected to the Fidelity EFT System for transaction routing
                    and
                    processing as provided hereunder.

                

        

        

        
          	 	
                  1.2

                	
                  “Access
                    Cards” shall mean ATM, Debit or other terminal access cards issued by
                    or
                    on behalf of Customer to its
                    customers.

                

        

        

        
          	
                	1.3	
                  “EFT
                    Network” shall mean Fidelity’s electronic funds transfer
                    network.

                

        

        

        
          	 	
                  1.4

                	
                  “EFT
                    Services” shall mean the electronic funds transfer and related services
                    to
                    be provided by Fidelity hereunder.

                

        

        

        
          	 	
                  1.5

                	
                  “Fidelity
                    EFT System” shall mean the transaction processing system used by Fidelity
                    to provide EFT Services.

                

        

        

        
          	
                  2.

                	
                  TERM

                

        

        

        Unless
          otherwise terminated as provided for in the General Terms or as may be
          set forth
          herein, the term of this Agreement shall commence on the Commencement Date
          and
          shall expire at the end of the Initial Term set forth above. Thereafter,
          this
          Agreement will automatically renew for the period of the Renewal Term(s)
          set
          forth above unless either party gives the other party written notice of
          at least
          one hundred eighty (180) days prior to the expiration date of the Term
          then in
          effect that this Agreement will not be renewed beyond such Term. The Initial
          Term and the Renewal Term(s) are herein collectively referred to as
          "Term".

         

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        3.    FEES

        

        Customer
          agrees to pay the monthly fees for EFT Services as outlined on Attachment
          4
          attached hereto beginning on the Commencement Date of Services in accordance
          with the payment terms set forth in the Agreement. One-time fees set forth
          in
          Attachment 4 shall be paid as follows: fifty percent (50%) of such fees
          upon
          execution of this Schedule and the remaining fifty percent (50%) of such
          fees on
          the Commencement Date for Services. Fidelity reserves the right to adjust
          at any
          time, pass-through costs, fees and charges, outside its control, including
          without limitation, telecommunications charges associated with providing
          the
          services described in this Schedule.

        

        4.    ATM
          TERMINAL DRIVING SERVICES

        

        
          	
                	4.1	
                  Fidelity
                    shall provide to Customer the following EFT Services, if
                    contracted:

                

        

         

        
          	 	 	
                  4.1.1

                	
                  All
                    transactions will be switched via the Fidelity EFT System for
                    authorization, settlement, posting and reconciliation of Customer’s
                    customer accounts.

                

        

        

        
          	 	 	
                  4.1.2

                	
                  Customer’s
                    ATM devices will be operated by Fidelity for processing all local
“on-us”
                    and “foreign” cardholder transactions. Transactions will be processed and
                    settled along with all interchange, surcharge and switch fees
                    and will be
                    funded each business day. All settlement reporting will be made
                    available
                    daily to Customer.

                

        

        

        
          	 	 	
                  4.1.3

                	
                  Fidelity
                    will monitor Customer’s ATM devices twenty-four (24) hours a day, seven
                    (7) days per week for device, telecommunications, network and
                    transaction
                    availability. In the event of an outage, Fidelity shall attempt
                    to inform
                    the appropriate party regarding the status of any device,
                    telecommunication or network in accordance with the Customer-directed
                    call
                    list and standard network operations
                    protocol.

                

        

        

        
          	 	
                  4.1.4

                	
                  ATMs
                    shall provide standard transaction options for local “on-us” and foreign
                    transactions. This may include: loan payments, fast cash, withdrawals,
                    deposits, transfers, balance inquiry (hardware functionality
                    is required
                    to allow for multiple denominations and alternative media), and
                    multi-media (i.e., USPS stamps, traveler’s checks and miscellaneous
                    coupons). ATMs shall be available with multi-lingual options.
                    Screen
                    displays may present Customer-provided marketing messages, as
                    the hardware
                    allows.

                

        

        

        5.    BALANCING
          AND SETTLEMENT

        

        
          	 	
                  5.1

                	
                  Fidelity
                    will provide reports necessary for Customer to balance the terminal
                    transactions daily and provide other related management reports
                    necessary
                    to provide accurate and efficient terminal operation. Customer
                    agrees to
                    balance reports to its general ledger daily and to notify Fidelity
                    within
                    two (2) business days, in writing, of any out-of-balance condition.
                    In no
                    case shall Fidelity be liable for any losses or penalties arising
                    from
                    transactions reported after the network-allowed
                    timeframe.

                

        

        

        
          	 	
                  5.2

                	
                  Fidelity
                    shall not be responsible for any settlement issues or deficiencies
                    reported to Fidelity after two (2) business
                    days.

                

        

        

        6.     ERROR/DISPUTE
          RESOLUTION

        

        Customer
          will be responsible for the timely resolution of errors/disputes and
          notifications to cardholders as defined by federal regulations. Customer
          will
          handle monetary entries to its customer’s accounts and will establish and
          maintain a general ledger account for this purpose. Fidelity shall serve
          in an
          advisory capacity on dispute resolution. Customer shall forward dispute
          claims
          to Fidelity. Fidelity shall review such claims for adjustment eligibility
          and
          process all such eligible claims. Fidelity shall obtain draft copies, enter
          adjustments, and make appropriate entries to Customer’s clearing accounts.
          Fidelity shall work with Customer in connection with any adjustment returned
          for
          recharge to a cardholder’s account. Provided that Fidelity complies with all
          association guidelines related to adjustment processing, Customer is responsible
          for any losses incurred by disputed transactions.

         

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

        

        
          	
                  7.

                	
                  CUSTOMER
                    OBLIGATIONS

                

        

        

        Customer
          shall have the following obligations in connection with the EFT
          Services:

        

        
          	
                	7.1	
                  Data.

                

        

         

        
          	 	 	
                  7.1.1

                	
                  Customer
                    is responsible for storage and retrieval of all of Customer’s reporting
                    data.

                

        

        

        
          	 	 	
                  7.1.2

                	
                  If
                    the data submitted by Customer to Fidelity for processing, whether
                    electronically or otherwise, is incorrect, incomplete, or not
                    in the form
                    required by Fidelity for such data, Customer shall pay Fidelity
                    the
                    standard rates in effect at that time for any additional work
                    performed by
                    Fidelity to correct, complete and otherwise prepare data, until
                    such time
                    as Customer makes the data available in the proper form. If Customer
                    fails
                    to furnish the data to Fidelity in accordance with the schedule
                    and form
                    agreed upon by Fidelity and Customer, Fidelity will use its reasonable
                    efforts to reschedule and process Customer’s work as promptly as possible.
                    Customer shall pay for any expenses incurred by Fidelity caused
                    by
                    Customer’s failure to furnish its data to Fidelity in the form and/or
                    at
                    the time required.

                

        

        

        
          	 	
                  7.1.3

                	
                  Customer
                    shall maintain copies of all of Customer’s input data submitted to
                    Fidelity for processing hereunder (whether submitted to Fidelity
                    directly
                    or through any third party) to permit reconstruction of such
                    input data,
                    if required. Customer assumes all risks of loss and expense of
                    reconstruction of such input data, unless and only to the extent
                    that such
                    loss is caused by Fidelity’s failure to perform in accordance with
                    Fidelity’s standard practices. 

                

        

        

        
          	
                	7.2	
                  Use
                    of Services.

                

        

        

        
          	 	 	
                  7.2.1

                	
                  Customer
                    shall cooperate with Fidelity and provide Fidelity with all necessary
                    information (including, but not limited to, authorization and
                    access to
                    file layouts necessary to convert the card management system
                    information
                    to the Fidelity EFT System and other information necessary to
                    convert ATM
                    devices and debit card database information such as device type,
                    location
                    and address) and assistance required for Fidelity to make the
                    EFT Services
                    operational and available to
                    Customer.

                

        

        

        
          	 	 	
                  7.2.2

                	
                  Customer
                    assumes exclusive responsibility for the content of any instructions
                    it
                    may give to Fidelity.

                

        

        

        
          	 	 	
                  7.2.3

                	
                  Customer
                    will use, and will instruct its customers to use, the EFT Network
                    in
                    accordance with the published rules, which rules may be changed
                    by
                    Fidelity from time to time.

                

        

        

        
          	 	 	
                  7.2.4

                	
                  Except
                    as otherwise contemplated herein or otherwise permitted by Fidelity,
                    Customer will use the EFT Services only for its own internal
                    and proper
                    business purposes and will not resell, directly or indirectly,
                    any of the
                    EFT Services or any portion thereof to any third
                    party.

                

        

        

        
          	 	 	
                  7.2.5

                	
                  Customer
                    shall not make any alteration, change or modification to any
                    of the
                    computer programs and/or Fidelity supported files and data bases
                    (but not
                    including the Customer files) used or provided by Fidelity in
                    connection
                    with providing the EFT Services to Customer hereunder, without
                    Fidelity’s
                    prior written consent in each
                    instance.

                

        

         

         

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        
          	
                	7.3	
                  Communications
                    Lines and Equipment.

                

        

        

        
          	 	
                  7.3.1

                	
                  Except
                    as otherwise agreed by Fidelity and Customer, Customer shall
                    be
                    exclusively responsible for the payment of all installation,
                    monthly and
                    other charges relating to the use of communications lines and
                    equipment in
                    connection with the EFT Services. If applicable, Fidelity will
                    monitor all
                    data communications circuits between the ATM Equipment and the
                    Fidelity
                    EFT System for continuous operation. Upon detection of a telephone
                    line
                    failure, Fidelity will notify the appropriate communications
                    service
                    provider and maintain such monitoring activity until restoration
                    of
                    service. Fidelity shall not be responsible for (i) service interruptions
                    beyond Fidelity's control, (ii) delay or failure of any third
                    party
                    courier or delivery service, or (iii) failure of any third party
                    vendor to
                    deliver information, products, support or services, or other
                    materials
                    required for Fidelity to provide services
                    hereunder.

                

        

         

        

        
          	 	
                  7.3.2

                	
                  All
                    communications equipment, except communications equipment provided
                    to
                    Customer by Fidelity, shall be subject to Fidelity’s approval, not to be
                    unreasonably withheld.

                

        

        

        
          	
                	7.4	
                  Customer
                    Equipment.

                

        

        

        
          	 	
                  7.4.1

                	
                  Concurrently
                    with its signing of the Agreement, Customer will notify Fidelity
                    in
                    writing as to the number and location of any and all Customer
                    ATM
                    Equipment through which Customer will initially access the EFT
                    Services.

                

        

        

        
          	 	
                  7.4.2

                	
                  Customer
                    will supply and maintain all ATM Equipment. Customer’s maintenance
                    services shall include, but not be limited to, replenishing all
                    cash and
                    supplies required by the ATM Equipment and providing all required
                    preventive and remedial
                    maintenance.

                

        

        

        
          	 	
                  7.4.3

                	
                  Customer
                    may add additional ATM Equipment for which Fidelity will provide
                    the EFT
                    Services. The fees and charges for such additional EFT Services
                    will be
                    Fidelity’s then current standard rates. Customer must give Fidelity at
                    least sixty (60) days’ prior written notice of the installation and
                    location of such additional ATM equipment. The additional EFT
                    Services
                    will be provided in accordance with Fidelity’s then current service
                    offerings and procedures. 

                

        

        

        8.    CARD
          STANDARDS

        

        
          	 	
                  8.1

                	
                  All
                    Access Cards issued to Customer's customers to utilize any equipment
                    through which the EFT Services may be accessed shall conform
                    to the data
                    content, format and encoding specifications specified by Fidelity
                    to
                    Customer.

                

        

        

        
          	 	
                  8.2

                	
                  Customer
                    has the option to purchase card stock through Fidelity or through
                    a vendor
                    of its choice. If Customer requests Fidelity to purchase the
                    card stock,
                    Customer shall pay Fidelity at the quoted rate plus any tax or
                    freight.

                

        

         

         

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        
          	
                  9.

                	
                  ACCESS
                    TO NETWORKS

                

        

        

        
          	 	
                  9.1

                	
                  If,
                    as part of the EFT Services provided by Fidelity to Customer
                    hereunder,
                    Customer instructs Fidelity to provide Customer with access to
                    networks
                    maintained by Fidelity and/or third parties, Customer shall comply
                    with
                    the rules, regulations, procedures, fees, assessments, penalties
                    and other
                    membership duties, obligations and costs of such networks then
                    in effect,
                    which are applicable to Customer. Fidelity’s ability to provide the
                    network related services is contingent upon Customer obtaining
                    financial
                    institution sponsorship into the shared transaction network(s)
                    in which
                    Customer wishes to participate. Fidelity shall only render network
                    related
                    services concurrently with network sponsorship. Customer and/or
                    its agents
                    shall provide proof of sponsorship to Fidelity by providing a
                    copy of the
                    executed agreement between Customer and each network
                    sponsor.

                

        

        

        
          	 	
                  9.2

                	
                  Customer
                    will comply with all Fidelity and third party network rules,
                    regulations,
                    procedures and pay all costs which Fidelity may incur in providing
                    Services to Customer.

                

        

        

        
          	 	
                  9.3

                	
                  Fidelity
                    may, upon receipt of written instructions from any network to
                    which
                    Fidelity is providing access hereunder, including without limitation
                    a
                    network owned and/or operated by the Fidelity, immediately cease
                    to
                    provide to Customer, including Customer's customers, access to
                    such
                    network. Fidelity shall use its reasonable efforts to promptly
                    notify
                    Customer of such interruption in network access. Customer shall
                    indemnify
                    and hold Fidelity harmless from any claims, liabilities or losses,
                    including cost and attorney's fees, resulting from Fidelity’s compliance
                    with the written instructions of any
                    network.

                

        

        

        
          	 	
                  9.4

                	
                  Customer
                    shall indemnify and hold Fidelity harmless from any claims, liabilities
                    or
                    losses, including costs and attorneys' fees, resulting from (i)
                    transactions effected with lost, stolen, counterfeit or misused
                    Access
                    Cards issued by, or on behalf of, Customer to allow customers
                    of Customer
                    to access the EFT Services, and/or (ii) actions, omissions or
                    commissions
                    of Customer's agents and third party host processors relating
                    to the EFT
                    Services provided that the indemnity provided for in this paragraph
                    shall
                    not be applicable to losses caused by the gross negligence or
                    willful
                    misconduct of Fidelity.

                

        

        

        10.    AUTHORIZATION
          OF TRANSACTION REQUESTS

        

        A
          shared
          network interface service allows Customers’ cardholders to access their accounts
          through third party terminals which are connected to the shared network,
          and
          allows third party customers access to their accounts with other institutions
          through Customer’s terminals. Transaction authorization requests are received
          from the shared network switch by Fidelity for authorization approval.
          Fidelity
          shall authorize transactions based on one (1) of the following options
          at
          Customer’s discretion: (i) positive balance file, for which Fidelity will
          maintain a record containing certain balance information and authorization
          limits for each of Customer’s cardholders, which is updated on a frequency
          defined by Customer (usually daily) through a file transmission, (ii) host
          authorization interface, for which Fidelity will maintain a host to host
          interface between the Fidelity EFT System and Customer’s system, which provides
          for the routing of foreign transaction requests at the Customer’s terminals to
          the appropriate network for disposition as well as the routing of Customer’s
          cardholder requests at network terminals to Customer’s system for authorization,
          or (iii) parameter file authorization for which Fidelity will maintain
          a
          cardholder file and authorize transactions based on a limit defined by
          Customer
          for a specified period of time. Regardless of the option chosen by Customer,
          Fidelity will provide Customer with a daily data file of authorized transactions
          in ACH format and the appropriate settlement reports.

         

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

        

        11.    WARRANTY
          REGARDING EFT SERVICES

        

        
          	 	
                  11.1

                	
                  Fidelity
                    assumes no liability arising from claims as a result of the unavailability
                    of the EFT Services provided by third
                    parties.

                

        

        

        
          	 	
                  11.2

                	
                  Stand-in
                    processing occurs when the direct processor (Fidelity) or the
                    indirect
                    processor (Customer) does not respond to an authorization. Stand-in
                    limits
                    are to be defined by Customer, as appropriate. While Fidelity
                    will use
                    commercially reasonable efforts to respond to all authorizations
                    in the
                    allotted time-frame, in no event shall Fidelity be liable for
                    any losses
                    associated with transactions authorized as a result of such stand-in
                    processing.

                

        

        
          
            	 	 

          

          
            	
                    12.

                  	
                    LAWS
                      AND GOVERNMENTAL
                      REGULATIONS

                  

          

        

        

        
          	 	
                  12.1

                	
                  Customer
                    shall be responsible for compliance with all applicable laws
                    and
                    governmental regulations related to the EFT
                    Services.

                

        

        

        
          	 	
                  12.2

                	
                  If,
                    after the date hereof, any modifications to the EFT Services
                    shall be
                    required by law or by any governmental regulatory authority having
                    authority over the business of Customer, except to the extent
                    such changes
                    may be beyond the capability of the Fidelity’s ATM network and/or the
                    Customer equipment to implement, Fidelity shall modify the EFT
                    Services to
                    be in compliance with such new laws or governmental regulations.
                    Fidelity
                    may, at its discretion, pass on in whole or in part on an equitable
                    basis
                    to all similarly situated users, the costs of making any such
                    modification
                    to the EFT Services.

                

        

         

         

        
          
            
            

          

          
            
            

            
              

            

          

          
            
            

          

        

         

        
          FIDELITY
            INFORMATION SERVICES, INC.

          EQUIPMENT
            PURCHASE SCHEDULE

          

          

          COMMENCEMENT
            DATE 

          

          The
            date
            that the Equipment identified in this Schedule is delivered to
            Customer.

          

          This
            Schedule together with any attachments and/or exhibits hereto, the General
            Terms
            and Conditions to be signed concurrently with this Schedule ("General
            Terms"),
            and any written modifications thereto signed and agreed to by Fidelity
            Information Services, Inc.
            of
            Maitland, Florida ("Fidelity") and Solera
            Bank, N.A. (IO)
            of Wheat
            Ridge, Colorado ("Customer") from time to time hereafter shall be referred
            to as
            the "Agreement".

          

          This
            Schedule supersedes and replaces any and all prior agreements between
            the
            parties and/or their affiliates, subsidiaries, predecessors, successors,
            or
            assigns for the same or similar services as those described in this
            Schedule.

          

          1.    FEES
            

           

          
            	 	
                    Customer
                      agrees to pay to Fidelity the Fees as set forth in Attachment
                      3 beginning
                      on the Commencement Date in accordance with the payment terms
                      set forth in
                      this Agreement. Title to the Equipment shall not pass to Customer
                      until
                      payment for such Equipment has been paid in
                      full.

                  

          

           

          2.    SALE
            OF EQUIPMENT

           

          
            	 	
                    Fidelity
                      agrees to sell to Customer and Customer agrees to purchase
                      from Fidelity
                      the equipment as listed on Attachment 3 to this Agreement (the
                      "Equipment"). All Equipment orders are accepted subject to
                      availability of
                      the designated Equipment from the
                      manufacturer.

                  

          

           

          3.    EQUIPMENT
            SUBSTITUTION

           

          
            	 	
                    In
                      the event Fidelity deems it appropriate to discontinue, prior
                      to shipment,
                      any specific item of Equipment listed on any Attachment, including
                      Attachment 3, Fidelity shall not be in default of this Agreement
                      provided
                      Fidelity offers Customer substitute Equipment capable of equal
                      or better
                      performance. In the event that the price of such substitute
                      Equipment
                      exceeds the price of such discontinued Equipment, Fidelity
                      shall notify
                      Customer of the substitute price at least thirty (30) days
                      prior to the
                      date of shipment of such Equipment, and Customer shall have
                      the option to
                      cancel such order for the substitute Equipment within seven
                      (7) days of
                      receipt of notice from Fidelity with no liability to Fidelity
                      with respect
                      to
                      such Equipment.
                      If Customer elects to cancel the order for such substitute
                      Equipment,
                      Customer and Fidelity shall then decided on mutually agreeable
                      Equipment
                      within thirty (30) days of the cancellation of such order. 
                      In
                      the event that Fidelity does not receive notice of Customer's
                      election to
                      cancel the order for substitute equipment as set forth above,
                      Customer
                      shall be deemed to have agreed to purchase the substitute Equipment
                      at the
                      substitute price pursuant to the other terms and conditions
                      hereof. In the
                      event that the price of such substitute Equipment does not
                      exceed the
                      price of such discontinued Equipment, such substitute Equipment
                      shall be
                      substituted at the substitute price for the discontinued Equipment
                      under
                      this Agreement and Fidelity shall have no obligation to provide
                      notice of
                      the substitute equipment.

                  

          

           

          4.    DELIVERY,
            SECURITY INTEREST, AND RISK OF LOSS OR DAMAGE

           

          
            	 	
                    4.1

                  	
                    Delivery.
                      Customer agrees to pay or reimburse Fidelity for all costs
                      of shipping
                      Equipment to Customer, including freight, insurance and special
                      packaging
                      charges in connection with delivery. The means of shipment
                      of the
                      Equipment shall be in Fidelity's discretion and shipment may
                      be made in
                      installments unless otherwise mutually agreed in writing prior
                      to
                      shipment. Any delivery dates quoted by Fidelity are estimates
                      only and are
                      subject to availability and delivery from the respective manufacturers
                      of
                      the Equipment. Fidelity shall not be responsible for any delay
                      attributable to any manufacturer or other third party.
                      

                  

          

           

           

          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

           

          
            	 	
                    4.2

                  	
                    Security
                      Interest.
                      Fidelity retains a purchase money security interest in each
                      piece of
                      Equipment until payment in full is received. Fidelity may file
                      a copy of
                      this Agreement with appropriate authorities at any time after
                      signature by
                      Customer as a financing statement and/or chattel mortgage in
                      order to
                      perfect such security interest. Customer agrees to execute
                      any financing
                      statements and other instruments requested by Fidelity to perfect
                      such
                      security interest. Customer shall not sell, exchange, lease,
                      encumber or
                      pledge the Equipment or grant or permit the creation or attachment
                      of any
                      other security interest therein without Fidelity's prior written
                      consent.
                      Until the purchase price for each piece of Equipment is paid
                      in full,
                      Customer, at its sole cost and expense, shall acquire and maintain
                      adequate insurance to cover the unpaid portion of the purchase
                      price.
                      Coverage shall include, but not be limited to, fire, extended
                      coverage,
                      vandalism, malicious mischief and other coverage reasonably
                      required by
                      Fidelity. In the event of any loss, damage or destruction to
                      the Equipment
                      while any portion of the purchase price remains unpaid, Customer
                      shall pay
                      the remaining unpaid portion of the purchase price from the
                      insurance
                      proceeds.

                  

          

           

          
            	 	
                    4.3

                  	
                    Client’s
                      Business Use. Client
                      represents and warrants that it is acquiring the Equipment
                      for its own
                      business use and purpose, without any intention to re-sell
                      or transfer the
                      Equipment to any third party.

                  

          

           

          
            	 	
                    4.4

                  	
                    Risk
                      of Loss or Damage.
                      Risk of loss or damage for all Equipment and title to all Equipment
                      shall
                      pass to Customer upon delivery by Fidelity to the first common
                      carrier at
                      Fidelity's facility, or at the manufacturer's facility if shipped
                      directly
                      from the manufacturer, or upon delivery to Customer should
                      Customer elect
                      to pick up the Equipment. 

                  

          

          

          5.    WARRANTIES

           

          It
            is
            understood and mutually agreed that Equipment purchased by Customer from
            Fidelity hereunder is manufactured by companies other than Fidelity,
            and
            therefore Fidelity makes no warranty, express or implied, on any such
            Equipment.
            Customer accepts as the sole warranty on any Equipment, the warranty
            used or
            made by the manufacturer of such Equipment. Fidelity does warrant to
            Customer
            that any Equipment installed by Fidelity will be properly installed in
            accordance with the manufacturer's installation instructions. Fidelity
            does not
            extend to Customer any other warranty on or pertaining to the
            Equipment. EXCEPT
            AS
            PROVIDED IN THIS AGREEMENT, FIDELITY SPECIFICALLY DISCLAIMS ANY AND ALL
            WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY RELATING TO THE
            EQUIPMENT,
            INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS
            FOR
            A PARTICULAR PURPOSE.

           

          6.    USE
            OF EQUIPMENT

           

          Customer
            shall at all times use the Equipment in a careful and proper manner in
            conformity with the manufacturer's specifications and documentation,
            and in
            compliance with all applicable federal, state and local laws and regulations
            and
            the provisions of any insurance policies required hereby which relate
            to the
            possession or use of the Equipment.

           

          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

           

          
            	
                    7.

                  	
                    MAINTENANCE

                  

          

           

          
            	 	
                    Subject
                      to the payment by Customer of the fees for Equipment maintenance
                      set forth
                      in Attachment 3 and in accordance therewith, Fidelity agrees
                      to provide
                      Customer with maintenance services for the Equipment as
                      follows:

                  

          

           

          
            	 	
                    7.1

                  	
                    Term.
                      Unless otherwise terminated as provided for in the General
                      Terms or as may
                      be set forth herein, the term of the Maintenance described
                      in this Section
                      shall be for one (1) year and shall commence on the Commencement
                      Date.
                      Thereafter, the Maintenance will automatically renew for successive
                      one
                      (1) year periods unless either party gives the other party
                      written notice
                      at least one hundred eighty (180) days prior to the expiration
                      date of the
                      Term then in effect that the Maintenance will not be renewed
                      beyond such
                      Term. The Initial Term and the Renewal Terms are herein collectively
                      referred to as “Term”.

                  

          

           

          
            	 	
                    7.2

                  	
                    Telephone
                      Support.
                      Fidelity will provide remote telephonic support for the Equipment
                      in
                      accordance with Fidelity’s then-current policies and procedures for the
                      applicable Equipment. Telephone support shall include Fidelity’s
                      commercially reasonable efforts to (i) diagnose errors or malfunctions
                      in
                      the Equipment and/or malfunctions caused by operator error,
                      (ii) advise
                      Customer of corrective measures, and (iii) clarify operating
                      instructions.

                  

          

           

          
            	 	
                    7.3

                  	
                    Equipment
                      Not Supported by Fidelity.
                      Fidelity is not responsible for 1) Equipment supported by any
                      third party,
                      2) any Equipment which Fidelity has not expressly agreed to
                      support, 3)
                      which Customer has not paid the applicable maintenance fees,
                      or 4) any
                      Equipment which cannot be reasonably repaired, is obsolete
                      where parts are
                      no longer available from the hardware manufacturer or where
                      the hardware
                      manufacturer no longer provides maintenance support services
                      for the
                      hardware. 

                  

          

           

          
            	 	
                    7.4

                  	
                    Customer
                      Obligations. Customer
                      shall promptly notify Fidelity of all problems with the Equipment,
                      and
                      shall, if applicable, provide assistance in identifying and
detecting
                      problems, errors, and malfunctions. Customer
                      agrees not to attempt any repair or maintenance of the Equipment
                      during
                      the term of this Agreement without the prior written consent
                      of
                      Fidelity.

                  

          

           

          
            	 	
                    7.5

                  	
                    Limitations
                      of Maintenance Liability. Fidelity
                      shall not be responsible for design or manufacturing defects,
                      which shall
                      be the sole responsibility of the manufacturer.

                  

          

           

           

          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

            

            
               

              
                FIDELITY
                  INFORMATION SERVICES, INC.

                WEBSITE
                  DEVELOPMENT AND HOSTING SERVICES SCHEDULE

                

                INITIAL
                  TERM

                Five
                  (5) years

                 

                RENEWAL
                  TERM

                Five
                  (5) years

                

                COMMENCEMENT
                  DATE 

                The
                  date
                  that the Services are first installed and available for Customer’s use in a
                  production environment which is signified by Fidelity turning the
                  system over to
                  Fidelity support.

                

                This
                  Schedule together with any attachments and/or exhibits hereto,
                  the General Terms
                  and Conditions to
                  be signed concurrently (“General
                  Terms”), and any written modifications thereto signed and agreed to by
                  Fidelity
                  Information Services, Inc.
                  of
                  Maitland, Florida (“Fidelity”) and Solera
                  Bank, N.A. (IO) of Wheat
                  Ridge, Colorado
                  (“Customer”) from time to time hereafter shall be referred to as the “Website
                  Agreement” or “Agreement”. 

                

                This
                  Schedule supersedes and replaces any and all prior agreements between
                  the
                  parties and/or their affiliates, subsidiaries, predecessors, successors,
                  or
                  assigns for the same or similar services as those described in
                  this
                  Schedule.

                

                1.    DEFINITIONS

                

                In
                  addition to all other defined terms in the General Terms, the following
                  terms
                  will have the following meanings for purposes of this Website
                  Agreement:

                

                
                  	 	
                          1.1

                        	
                          “Customer
                            Data Center"
                            shall mean (i) the Customer’s internal data processing department
                            operating on Fidelity-provided systems or (ii) Fidelity
                            operating as the
                            Customer’s service bureau or data processing
                            provider.

                        

                

                

                
                  	 	
                          1.2

                        	
                          "Data
                            Center"
                            shall mean the space at one or more locations where Fidelity
                            performs the
                            Services, excluding Customer
                            locations.

                        

                

                

                
                  	 	
                          1.3

                        	
                          "End
                            User Customer"
                            shall mean a customer, client or member of Customer who
                            uses the
                            System.

                        

                

                

                
                  	 	
                          1.4

                        	
                          "Fidelity's
                            Server"
                            shall mean the server-grade computers maintained by Fidelity
                            on which the
                            Customer’s website resides.

                        

                

                

                
                  	 	
                          1.5

                        	
                          "Website"
                            shall mean Customer’s Internet presence found at Customer's Uniform
                            Resource Locator (URL) address.

                        

                

                 

                2.    TERM

                

                Unless
                  otherwise terminated as provided for in the General Terms or as
                  may be set forth
                  herein, the term of this Agreement shall commence on the Commencement
                  Date and
                  shall expire at the end of the Initial Term set forth above. Thereafter,
                  this
                  Agreement will automatically renew for successive periods of the
                  Renewal Term
                  set forth above unless either party gives the other party written
                  notice at
                  least one hundred eighty (180) days prior to the expiration date
                  of the Term
                  then in effect that the Agreement will not be renewed beyond such
                  Term. The
                  Initial Term and the Renewal Terms are herein collectively referred
                  to as
“Term”.

                 

                
                  
                    
                    

                  

                  
                    
                    

                    
                      

                    

                  

                  
                    
                    

                  

                

                

                3.    FEES
                  

                

                Customer
                  agrees to pay to Fidelity the Fees for Services as set forth in
                  Attachment 1
                  beginning on the Commencement Date in accordance with the payment
                  terms set
                  forth in the General Terms.

                

                4.    SERVICES

                

                
                  	 	
                          4.1

                        	
                          Website
                            Services.
                            Fidelity agrees to provide to Customer, and Customer
                            agrees to accept from
                            Fidelity, the website services (the “Services”) described herein, subject
                            to the terms and conditions set forth herein. For purposes
                            of the
                            foregoing, the term "Customer" will include Customer's
                            affiliates.

                        

                

                

                
                  	 	
                          4.2

                        	
                          Customer
                            Mark License.
                            During the Term and subject to the limitations set forth
                            herein, Customer
                            grants to Fidelity a limited, non-exclusive, and non-assignable
                            (except to
                            Fidelity’s subcontractors who provide the Services hereunder)
                            license to
                            use Customer's service marks and trademarks solely for
                            the purpose of
                            performing the Services and for no other purpose. Customer
                            reserves all
                            rights not expressly granted
                            herein.

                        

                

                

                
                  	 	
                          4.3

                        	
                          Regulatory
                            Compliance for Services.
                            Customer will be responsible for (i) compliance with
                            all state and federal
                            laws and regulations governing banks and other financial
                            institutions and
                            all associated regulatory disclosures; (ii) any disclosure
                            to its End User
                            Customers with respect to the Services and each Customer
                            product or
                            service made available through the Services ("Customer
                            Product/Service");
                            (iii) the terms and conditions of any Customer Product/Service;
                            (iv) the
                            terms, conditions, and any limitations on which any Customer
                            Product/Service may be accessed, utilized or transactions
                            originated by
                            any End User Customer; (v) determining the authority
                            of any person
                            accessing a Customer Product/Service; and (vi) preparing,
                            maintaining, and
                            monitoring compliance with verifiable documentation with
                            respect to the
                            foregoing. Customer acknowledges and agrees that Customer
                            will not rely
                            upon Fidelity for advice regarding compliance with governmental
                            regulations. Customer must independently verify its compliance
                            with such
                            regulations. Fidelity will use commercially reasonable
                            efforts, during the
                            Term of this Agreement, to be in substantive compliance
                            with federal rules
                            and regulations as they relate to vendors of Services.
                            In the event that
                            there is a significant change in the manner by which
                            the Services can be
                            furnished hereunder, as a result of a regulatory compliance
                            requirement,
                            Fidelity and Customer will negotiate in good faith to
                            resolve the
                            compliance issue. If Fidelity determines that compliance
                            is cost
                            prohibitive, Fidelity may elect to terminate this Agreement
                            without
                            penalty, by providing Customer with thirty (30) days
                            prior written notice.
                            

                        

                

                

                Customer
                  will promptly notify Fidelity of any modifications to the Services
                  it believes
                  to be required under any laws, rules, or regulations. Fidelity
                  will perform any
                  modifications to the Services that Fidelity determines are necessary
                  or
                  desirable. If such modifications result in a significant increase
                  in Fidelity’s
                  cost to provide Services, Fidelity will be entitled to increase
                  the charges
                  under this Agreement by an amount that reflects a pro rata allocation
                  of
                  Fidelity’s increased cost among the applicable Fidelity customers.
                  Notwithstanding the foregoing, Customer acknowledges that the Services
                  may, from
                  time to time, consist in part of system(s) licensed by Fidelity
                  from third-party
                  vendor(s), and therefore, Fidelity will have no duty or responsibility
                  to modify
                  any such third-party system, except to the extent that the vendor
                  thereof has
                  such a duty or responsibility pursuant to the applicable license
                  agreement
                  between Fidelity and such vendor. This Section 4.3 specifically
                  supersedes the
                  provisions of the General Terms in conflict herewith to which this
                  Schedule is
                  attached.

                

                
                  	 	
                          4.4

                        	
                          Third-Party
                            Providers.
                            Fidelity reserves the right to substitute any brand or
                            third-party
                            provider of the Services, at its sole discretion, at
                            any time with or
                            without notice, provided that the quality of the Services
                            is not
                            materially diminished by such
                            substitution.

                        

                

                 

                 

                
                  
                    
                    

                  

                  
                    
                    

                    
                      

                    

                  

                  
                    
                    

                  

                

                
5.    TERMINATION
                  AND RELATED MATTERS

                

                Within
                  thirty (30) days after an officer of Customer certifies in writing
                  to Fidelity
                  that Customer has complied with the requirements for return of
                  Fidelity data
                  following termination as set forth in the General Terms and payment
                  by Customer
                  of all amounts due under this Agreement, Fidelity will (i) assign
                  Customer's
                  domain name to another Internet service provider designated in
                  writing by
                  Customer; and (ii) provide a notice at Customer's former website
                  location for a
                  thirty (30) day period of the new location of Customer's home page
                  on the
                  Internet. 

                

                6.    DESCRIPTION
                  OF SERVICE PLAN OPTIONS

                

                
                  	 	
                          6.1

                        	
                          Standard
                            Website Services Plan.
                            -
                            (up to 25 pages)

                        

                

                6.1.1 Development.

                
                  	 	
                          (a)

                        	
                          Choice
                            of home page design and navigation bar from Fidelity’s standard
                            library

                        

                

                
                  	 	
                          (b)

                        	
                          Integration
                            of Customer logo and category/button
                            names

                        

                

                
                  	 	
                          (c)

                        	
                          25
                            static Web pages of Customer-defined text (Not to exceed
                            81⁄2" x 11" - 10
                            point type)

                        

                

                
                  	 	
                          (d)

                        	
                          Five
                            (5) financial calculators:

                        

                

                
                  	 	
                          ·

                        	
                          Loan
                            calculator

                        

                

                
                  	 	
                          ·

                        	
                          Cash
                            Flow calculator

                        

                

                
                  	 	
                          ·

                        	
                          Retirement
                            calculator

                        

                

                
                  	 	
                          ·

                        	
                          Mortgage
                            calculator

                        

                

                
                  	 	
                          ·

                        	
                          Savings
                            calculator

                        

                

                
                  	 	
                          (e)

                        	
                          Two
                            (2) standard applications to be chosen from the
                            following:

                        

                

                
                  	 	
                          ·

                        	
                          Loan
                            application

                        

                

                
                  	 	
                          ·

                        	
                          Deposit
                            Account application

                        

                

                
                  	 	
                          ·

                        	
                          Guest
                            Book application

                        

                

                
                  	 	
                          ·

                        	
                          Loan
                            Pre-qualification application

                        

                

                
                  	 	
                          ·

                        	
                          New
                            Account application

                        

                

                
                  	 	
                          ·

                        	
                          Residential
                            Loan application

                        

                

                
                  	 	
                          ·

                        	
                          Online
                            Banking Enrollment - Consumer app.

                        

                

                
                  	 	
                          ·

                        	
                          Online
                            Banking Enrollment - Business app.

                        

                

                
                  	 	
                          (f)

                        	
                          Domain
                            name registration

                        

                

                
                  	 	
                          (g)

                        	
                          SSL
                            Encryption Certification

                        

                

                

                6.1.2 Hosting.

                (a)    Fidelity
                  Website Management Console with self-editing capability

                (b)    40MB
                  disk
                  space

                (c)    25
                  static
                  Web pages

                (d)    3
                  GB
                  monthly data transfer (about 60,000 page views)

                
                  	 	
                          (e)

                        	
                          Basic
                            Website access statistics

                        

                

                
                  	 	
                          (f)

                        	
                          24x7
                            monitoring and daily backups

                        

                

                
                  	 	
                          (g)

                        	
                          Website
                            file size is limited to the amount specified in the applicable
                            plan with
                            an additional monthly fee for additional
                            space

                        

                

                

                
                  	 	
                          6.2

                        	
                          Premium
                            Website Services Plan.
                            -
                            (up to 50 pages)

                        

                

                6.2.1 Development.

                
                  	 	
                          (a)

                        	
                          Choice
                            of home page design and navigation bar from Fidelity’s standard
                            library

                        

                

                
                  	 	
                          (b)

                        	
                          Integration
                            of Customer logo and category/button
                            names

                        

                

                
                  	 	
                          (c)

                        	
                          50
                            static Web pages of Customer-defined text (No to Exceed
                            81⁄2" x 11" -
                            10 point type)

                        

                

                
                  	 	
                          (d)

                        	
                          Five
                            (5) financial calculators:

                        

                

                
                

                 

                 

                
                  
                    
                    

                  

                  
                    
                    

                    
                      

                    

                  

                  
                    
                    

                  

                

                 

                
                  	 	
                          ·

                        	
                          Loan
                            calculator

                        

                

                
                  	 	
                          ·

                        	
                          Cash
                            Flow calculator

                        

                

                
                  	 	
                          ·

                        	
                          Retirement
                            calculator

                        

                

                
                  	 	
                          ·

                        	
                          Mortgage
                            calculator

                        

                

                
                  	 	
                          ·

                        	
                          Savings
                            calculator

                        

                

                (e)    Five
                  (5)
                  standard applications to be chosen from the following:

                
                  	 	
                          ·

                        	
                          Loan
                            application

                        

                

                
                  	 	
                          ·

                        	
                          Deposit
                            Account application

                        

                

                
                  	 	
                          ·

                        	
                          Guest
                            Book application

                        

                

                
                  	 	
                          ·

                        	
                          Loan
                            Pre-qualification application

                        

                

                
                  	 	
                          ·

                        	
                          New
                            Account application

                        

                

                
                  	 	
                          ·

                        	
                          Residential
                            Loan application

                        

                

                
                  	 	
                          ·

                        	
                          Online
                            Banking Enrollment - Consumer app.

                        

                

                
                  	 	
                          ·

                        	
                          Online
                            Banking Enrollment - Business app.

                        

                

                (f)    Domain
                  name registration

                (g)    SSL
                  Encryption Certification

                

                6.2.2 Hosting.

                (a)    Fidelity
                  Website Management Console with self-editing capability

                (b)    60MB
                  disk
                  space

                (c)    50
                  static
                  Web pages 

                (d)    5
                  GB
                  monthly data transfer (about 100,000 page views)

                
                  	 	
                          (e)

                        	
                          Basic
                            Website access statistics

                        

                

                
                  	 	
                          (f)

                        	
                          24x7
                            monitoring and daily backups

                        

                

                (g)    Website
                  file size is limited to the amount specified in the applicable
                  plan with
                  an
                  additional monthly fee for additional space

                

                
                  	 	
                          6.3

                        	
                          Custom
                            Website Services Plan.
                            Custom website services will be provided pursuant to
                            mutual agreement of
                            the parties.

                        

                

                

                
                  	
                        	6.4	
                          Migrated
                            Website Services Plan.
                            (Must select Standard or Premium hosting
                            Plan)

                        

                

                6.4.1 Development.

                (a)    Copy
                  of
                  existing Website to Fidelity's server

                (b)    Hook-up
                  of existing applications to Fidelity's Form Submission CGI

                
                  	 	
                          (c)
                            

                        	
                          Configuration
                            of rates page to conform with Fidelity Website Management
                            Console

                        

                

                
                  	 	
                          (d)

                        	
                          Domain
                            name registration or modification (if
                            necessary)

                        

                

                
                  	 	
                          (e)

                        	
                          SSL
                            Encryption Certification

                        

                

                
                  	 	
                          (f)

                        	
                          Code
                            must be to Fidelity’s standards (Necessary modifications will be made at
                            Fidelity’s then current rate.)

                        

                

                
                  	 	
                          (g)

                        	
                          Does
                            not include re-design of Customer’s Website (for which prices are quoted
                            separately)

                        

                

                6.4.2 Hosting.

                (a)    Fidelity
                  Website Management Console with self-editing capability

                (b)    24x7
                  monitoring and daily backups

                
                  	 	
                          (c)

                        	
                          Website
                            file size is limited to the amount specified in the applicable
                            plan with
                            an additional monthly fee for additional
                            space

                        

                

                 

                
                  
                    
                    

                  

                  
                    
                    

                    
                      

                    

                  

                  
                    
                    

                  

                

                

                7.    FIDELITY’S
                  RESPONSIBILITIES

                

                
                  	 	
                          7.1

                        	
                          Fidelity
                            Internet Server.
                            Fidelity will provide its Internet hosting server to
                            display and provide
                            Internet access to Customer’s Website during the
                            Term.

                        

                

                

                
                  	 	
                          7.2

                        	
                          Website
                            Services.
                            Fidelity will provide the following services for Customer’s
                            Website:

                        

                

                

                
                  	
                        	7.2.1	
                          Registration
                            of Customer’s domain name and IP address, at Customer's
                            request;

                        

                

                

                
                  	 	
                          7.2.2

                        	
                          Submission
                            of Customer’s domain name for inclusion in related links and indexes,
                            at
                            Customer's request;

                        

                

                

                
                  	
                        	7.2.3	
                          Basic
                            Website statistical reporting;

                        

                

                

                
                  	
                        	7.2.4	
                          Network
                            and infrastructure maintenance; and

                        

                

                

                
                  	 	
                          7.2.5

                        	
                          Hosting
                            which includes redundancy, disaster recovery and server
                            space with daily
                            back up as specified in the applicable
                            plan.

                        

                

                

                
                  	
                        	7.3	
                          Support.
                            Fidelity
                            will provide telephone or e-mail support to Customer
                            in accordance with
                            the availability schedule and estimated response times
                            set forth in
                            Section 8 of this Schedule.

                        

                

                

                
                  	 	
                          7.4

                        	
                          Maintenance
                            of Network.
                            Fidelity will maintain a direct Internet connection using
                            a minimum of T1
                            access speeds or equivalent and Supported Secure Socket
                            Layer web server
                            software.

                        

                

                

                
                  	 	
                          7.5

                        	
                          Availability
                            of Website.
                            It is intended that the Website will be available twenty-four
                            (24) hours
                            per day, seven (7) days per week; provided, however,
                            that Fidelity
                            reserves the right to suspend availability of the Website
                            for brief
                            periods of time for purposes of maintenance and updating
                            and revision of
                            the Website. Notwithstanding the foregoing, Fidelity
                            is not responsible
                            for the inability of Customer or an End User Customer
                            to access the
                            Website due to difficulties arising from or caused by
                            problems or
                            complications beyond the reasonable control of Fidelity.
                            FIDELITY MAKES NO
                            WARRANTY OF ANY KIND AS TO THE AVAILABILITY OF THE
                            INTERNET.

                        

                

                

                8.    CUSTOMER
                  SUPPORT AND MAINTENANCE 

                

                8.1    Customer
                  Support.

                

                
                  	 	
                          8.1.1

                        	
                          Hours
                            of Operation.
                            Customer support calls can be logged to Fidelity’s appropriate call center
                            on business days during the call center's normal business
                            hours. Fidelity
                            will use commercially reasonable efforts to respond to
                            a service call
                            promptly after the call is logged by a Fidelity call
                            center
                            representative.

                        

                

                

                
                  	 	
                          8.1.2

                        	
                          Scheduled
                            Maintenance.
                            Fidelity will use commercially reasonable efforts to
                            notify Customer in
                            advance whenever Fidelity anticipates that scheduled
                            maintenance will have
                            a material impact on the Services provided. If possible,
                            Fidelity will
                            give Customer seventy-two (72) hours notice of Fidelity’s maintenance on
                            its Data Center and network, except where deemed by Fidelity
                            to be an
                            emergency. Fidelity will use commercially reasonable
                            efforts to (a) limit
                            the number of hours of scheduled maintenance each month
                            and (b) schedule
                            maintenance within a non-peak usage timeline. However,
                            Fidelity reserves
                            the right to schedule maintenance as
                            necessary.

                        

                

                 

                 

                
                  
                    
                    

                  

                  
                    
                    

                    
                      

                    

                  

                  
                    
                    

                  

                

                 

                
                  	 	
                          8.2

                        	
                          System
                            Upgrades/Modifications.
                            Fidelity will provide upgrades, if any, to the Services
                            in accordance with
                            schedules determined by Fidelity. Upgrades to Services
                            will be made
                            available to Customer when new versions are developed.
                            Additional
                            functionality may be made available by Fidelity from
                            time to time for an
                            additional fee, if any, and may be subject to additional
                            or different
                            terms and conditions.

                        

                

                

                9.    CUSTOMER’S
                  RESPONSIBILITIES

                

                
                  	 	
                          9.1

                        	
                          Collaboration.
                            Customer will collaborate with Fidelity in the development
                            of Customer’s
                            Website. Customer will respond promptly to requests by
                            Fidelity and will
                            furnish Fidelity with appropriate Website text and feedback
                            in a
                            responsive manner.

                        

                

                

                
                  	 	
                          9.2

                        	
                          Changes.
                            Customer may utilize the self-editing capabilities of
                            the Fidelity
                            Website Management
                            Console for Website content changes.

                        

                

                

                
                  	 	
                          9.3

                        	
                          Security.
                            Customer will select and implement a security system
                            for its web browser
                            and for safeguarding the security of the passwords necessary
                            to access the
                            Fidelity
                            Website Management
                            Console.

                        

                

                

                
                  	 	
                          9.4

                        	
                          Responsibility
                            for End User Customer Activity.
                            Customer is solely and exclusively responsible for any
                            and all financial
                            risks associated with End User Customers’ access to and use of the
                            Website, including validation of all
                            transactions.

                        

                

                

                
                  	 	
                          9.5

                        	
                          End
                            User Customer Assistance.
                            Customer is solely responsible for providing assistance
                            to its End User
                            Customers regarding access to and use of the
                            Website.

                        

                

                

                
                  	 	
                          9.6

                        	
                          Content.
                            Customer is solely responsible for the content of its
                            Website, including,
                            without limitation, (a) the accuracy and/or completeness
                            of any content
                            placed on the Website, and (b) Customer’s rights to use such
                            content.
                            Customer will not place and cause to be placed on the
                            Website any content
                            that contains any content or materials which are obscene,
                            threatening,
                            malicious, which infringe on or violate any applicable
                            law or regulation
                            or any proprietary, contract, moral, privacy or other
                            third party right,
                            or which otherwise exposes Fidelity to civil or criminal
                            liability.

                        

                

                

                
                  	 	
                          9.7

                        	
                          Customer
                            Warranties.
                            Customer represents and warrants that: (a) Customer's
                            Website content does
                            not and will not contain any content, materials, advertising
                            or services
                            that are inaccurate or that infringe on or violate any
                            applicable law,
                            regulation or right of a third party, including, without
                            limitation,
                            export laws, or any proprietary, contract, moral, or
                            privacy right or any
                            other third party right, and that Customer owns the content
                            or otherwise
                            has the right to place the content on the Website; and
                            (b) Customer has
                            obtained any authorization(s) necessary for hypertext
                            links from the
                            Website to other third party websites. Should Customer
                            receive notice of a
                            claim regarding the Website, Customer will promptly provide
                            Fidelity with
                            written notice of such claim.

                        

                

                

                10.    IMPLEMENTATION
                  OF WEBSITE

                

                
                  	 	
                          10.1

                        	
                          Kick-Off
                            Meeting.
                            At a mutually agreeable time following execution of Signature
                            Page for
                            Website Hosting, Fidelity will conduct a kick-off meeting
                            with Customer
                            personnel. The kick-off meeting will be in the form of
                            a conference call
                            and will last approximately one (1) hour. Customer must
                            have Internet
                            access at its location during the kick-off meeting. During
                            the kick-off
                            meeting the following topics will be
                            discussed:

                        

                

                

                
                  	
                        	10.1.1	
                          Description
                            of Website content needed to begin work

                        

                

                

                
                  	
                        	10.1.2	
                          Domain
                            name registration

                        

                

                

                
                  	 	
                          10.1.3

                        	
                          Proposed
                            timelines for project completion with agreed-upon due
                            dates ("Project
                            Timeline")

                        

                

                

                
                  	 	
                          10.2

                        	
                          Construction
                            of Website.
                            By the due dates in the Project Timeline, Customer will
                            provide Fidelity
                            with the Website content and set-up parameters. Upon
                            receipt of the
                            Website content and set-up parameters, Fidelity will
                            begin site
                            construction based on the Project Timeline. If the Customer
                            fails to
                            deliver the necessary Website content and set-up parameters
                            by the due
                            dates in the Project Timeline, Fidelity reserves the
                            right to adjust the
                            Project Timeline based on the then-current Fidelity implementation
                            schedule.

                        

                

                

                
                  	 	
                          10.3

                        	
                          Website
                            Training.
                            Customer will make available to Fidelity two (2) individuals
                            for training
                            purposes. These two (2) trainees will be responsible
                            for receiving and
                            processing product services, forms, e-mails, updating
                            product rates and
                            terms and general administrative functions. Fidelity
                            will conduct a
                            training session prior to Website completion. The training
                            session will be
                            in the form of a conference call and will last one (1)
                            hour. Customer must
                            have Internet access at its location during the training
                            session. The
                            training session will include instructions on Website
                            administrative
                            functions.

                        

                

                

                
                  	
                        	10.4	
                          Links
                            to Other Sites.
                            At the Customer's request and direction, the Customer's
                            Website may
                            contain hyperlinks to Internet or websites operated by
                            parties other than
                            Fidelity. Fidelity does not control such linked Internet
                            and websites, and
                            is not responsible for their content. Customer is solely
                            responsible for
                            any such hyperlinks to such Internet and websites. Fidelity's
                            inclusion of
                            hyperlinks to such Internet and websites does not imply
                            any endorsement of
                            the material on such sites or any association with their
                            operators.

                        

                

              

            

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

             

             

            
              FIDELITY
                INFORMATION SERVICES, INC.

              SOFTWARE
                LICENSE SCHEDULE

              

              COMMENCEMENT
                DATE

              The
                date
                the Software identified in this Schedule is delivered to Customer

              

              This
                Schedule together with any attachments and/or exhibits hereto, the
                General Terms
                and Conditions to be signed concurrently with this Schedule (“General Terms”),
                and any written modifications thereto signed and agreed to by Fidelity
                Information Services, Inc.
                of
                Maitland, Florida (“Fidelity”) and Solera
                Bank, N.A. (IO)
                of Wheat
                Ridge, Colorado (“Customer”) from time to time hereafter shall be referred to as
                the “License Agreement” or “Agreement”. 

              

              This
                Schedule supersedes and replaces any and all prior agreements between
                the
                parties and/or their affiliates, subsidiaries, predecessors, successors,
                or
                assigns for the same or similar services as those described in this
                Schedule.

              

              1.    GRANT
                OF LICENSE/RIGHT TO ACCESS AND LIMITATIONS.

              

              
                	 	
                        1.1

                      	
                        Grant
                          of License/Right to Access. The
                          license(s) granted to Customer under this Schedule is effective
                          on the
                          Commencement Date and shall not be delayed by or contingent
                          upon
                          installation, operation, or the delivery or completion
                          of any services.
                          For each item of Software listed on Attachment 3, Fidelity
                          grants to
                          Customer a perpetual, non-exclusive and non-transferable
                          license to the
                          Software in object code format only and solely for Customer’s own internal
                          use and benefit in accordance with the terms of this License
                          Agreement.
                          Notwithstanding the foregoing, the license granted to Customer
                          with
                          respect to any third party software shall be limited to
                          the license
                          granted to Fidelity by such third party. For each interface
                          listed on
                          Attachment 3, if applicable, Fidelity grants to Customer
                          a non-exclusive
                          and non-transferable right to access and use such interface(s)
                          in object
                          code format only and solely for Customer’s own internal use and benefit in
                          accordance with the terms of this License Agreement for
                          the term of the
                          applicable maintenance agreement.

                      

              

              

              
                	 	
                        1.2

                      	
                        Backup
                          and Test Copies. Notwithstanding
                          anything to the contrary in this Schedule, the Software
                          may be transferred
                          to a backup server or system when the primary server or
                          system on which
                          the Software is installed or licensed for use is temporarily
                          inoperable or
                          unusable, to another machine for disaster recovery testing
                          only (which may
                          occur concurrent with normal use of the Software), or for
                          disaster
                          testing, recovery, and processing. Customer may also make
                          no more than two
                          (2) copies of the Software for testing, backup, and archival
                          purposes.
                          

                      

              

              

              
                	 	
                        1.3

                      	
                        Limitations
                          on License.
                          Customer’s use of the Software is strictly governed by this Agreement.
                          Under no circumstances will any title or ownership in the
                          Software be
                          transferred to Customer, and Customer hereby assigns to
                          Fidelity all
                          right, title and interest it may acquire in and to such
                          Software.
                          Customer
                          may not provide or use the Software for the benefit of
                          its Affiliates
                          unless each such Affiliate has agreed in advance and in
                          writing to be
                          bound by the terms and conditions of this Agreement and
                          Customer has
                          obtained and paid the necessary licenses and paid the appropriate
                          license
                          fees for such Affiliate as determined by Fidelity. Under
                          no circumstances shall Customer:

                      

              

              

              
                	 	
                        (a)

                      	
                        Disclose
                          the Software to, permit access to the Software to, or use
                          the Software on
                          behalf of, a competitor of
                          Fidelity;

                      

              

              

              
                	
                      	(b)	
                        Translate,
                          reverse engineer, de-compile, interpret, or disassemble
                          the
                          Software;

                      

              

              

              
                	
                      	(c)	
                        Distribute,
                          sell, lease, or assign the
                          Software;

                      

              

               

               

              
                
                  
                  

                

                
                  
                  

                  
                    

                  

                

                
                  
                  

                

              

               

              
                	 	
                        (d)

                      	
                        Copy
                          or in any way duplicate the Software except as is expressly
                          permitted in
                          this Schedule;

                      

              

              

              
                	 	
                        (e)

                      	
                        Use
                          the Software to process accounts or records, or to generate
                          output data,
                          for the direct benefit of, or for purposes of rendering
                          services to, any
                          business entity or organization other than Customer; provided
                          Customer
                          shall not be prohibited from processing its customer’s accounts;
                          

                      

              

              

              
                	
                      	(f)	
                        Make
                          any changes or modifications to the Software;
                          or

                      

              

              

              
                	
                      	(g)	
                        Transfer
                          the Software outside of the United
                          States.

                      

              

              

              
                	 	
                        1.4

                      	
                        License/Access
                          Verification Rights.
                          Customer acknowledges and agrees that Fidelity may be obligated
                          under its
                          agreements with third party software licensors, for software
                          components
                          which are part of or associated with the use of the Software,
                          to allow
                          such licensors the right to audit Fidelity’s records for access and
                          distribution verification. Customer agrees to maintain
                          a record of the
                          number and location of all copies of the Software in its
                          possession.
                          Customer shall provide Fidelity with a copy of such record
                          upon Fidelity’s
                          written request. Such records may include, but are not
                          limited to, the
                          names, addresses, contact names and phone numbers of the
                          Fidelity
                          customers who use the Software pursuant to this Agreement.
                          Following prior
                          written notice, Fidelity or its designee shall have the
                          right to enter
                          Customer’s premises during regular business hours in a non-disruptive
                          manner for the purpose of: a) inspecting the location and
                          use of the
                          Software; b) evaluating Customer’s compliance with the terms of this
                          Agreement; and c) reviewing the standard procedures of
                          Customer regarding
                          retention, safekeeping, and disposal of all media and materials
                          pertaining
                          thereto. Customer consents to Fidelity’s compliance with its obligations
                          to its licensors and agrees to cooperate with Fidelity
                          or its licensors
                          regarding such audit efforts. 

                      

              

              

              
                	 	
                        1.5

                      	
                        Termination
                          of License.
                          Notwithstanding anything herein to the contrary, the License
                          is subject to
                          Customer’s (a) payment of the license fee for such Software and
                          (b)
                          compliance with the terms and conditions of this Agreement.
                          Fidelity may
                          terminate the License if Customer fails to pay the license
                          fee or to
                          comply with such terms and conditions. Upon termination
                          of the License for
                          any reason, Customer shall discontinue all use of the Software
                          and shall
                          either destroy and certify destruction by an authorized
                          officer of
                          Customer, or return to Fidelity, all copies of the Software
                          and related
                          documentation which are in Customer’s control or
                          possession.

                      

              

              

              
                	
                        2.

                      	
                        RISK
                          OF LOSS OR DAMAGE. Risk
                          of loss or damage for all Software and related documentation
                          shall pass to
                          Customer on the Commencement Date. 

                      

              

              

              
                	
                        3.

                      	
                        FEES
                          AND CHARGES. Customer
                          shall pay Fidelity such fees and charges as may be set
                          forth on Attachment
                          3.

                      

              

              

              4.    WARRANTY
                AND DISCLAIMER.

              

              
                	 	
                        4.1

                      	
                        Right
                          to License.
                          Fidelity hereby represents and warrants to Customer that
                          Fidelity is the
                          owner of the Software or otherwise has the right to grant
                          to Customer the
                          rights set forth in this Agreement. In the event of any
                          breach or
                          threatened breach of the foregoing representation and warranty,
                          Customer’s
                          sole remedy shall be as set forth in Section 8.1 of the
                          General
                          Terms.

                      

              

              

              
                	 	
                        4.2

                      	
                        Performance
                          Warranty. For
                          one-hundred and eighty (180) days following the date the
                          Software is first
                          used by Customer in a production environment, Fidelity
                          warrants that the
                          Software delivered hereunder will perform in all material
                          respects in
                          accordance with the then-current user manuals, guides and/or
                          documentation. Fidelity’s sole obligation to Customer under the foregoing
                          warranty is to remedy, at no cost to Customer, any material
                          defects
                          reported to it.

                      

              

               

               

              
                
                  
                  

                

                
                  
                  

                  
                    

                  

                

                
                  
                  

                

              

               

              
                	 	
                        4.3

                      	
                        Software
                          Warranty Exclusions.
                          The warranty set forth in Section 4.2 does not apply to
                          any of the
                          following:

                      

              

              

              
                	
                      	(a)	
                        Improper
                          operation of the Software; 

                      

              

              

              
                	
                      	(b)	
                        An
                          event of force majeure; 

                      

              

              

              
                	
                      	(c)	
                        Abuse
                          or misuse of the Software; 

                      

              

              

              
                	
                      	(d)	
                        Malfunctions
                          of the Software caused by alterations or
                          tampering;

                      

              

              

              
                	 	
                        (e)

                      	
                        Malfunction
                          of the Software due to attachment, or addition or use of
                          software and/or
                          equipment not approved by Fidelity;
                          or

                      

              

              

              
                	 	
                        (f)

                      	
                        Destruction
                          in whole or in part of the Software by any person other
                          than Fidelity, its
                          agents, representatives, or
                          employees.

                      

              

              

              
                	 	
                        4.4

                      	
                        Disclaimer.
                          EXCEPT FOR THE EXPRESS WARRANTIES STATED IN THIS SECTION
                          4, FIDELITY
                          DISCLAIMS ALL WARRANTIES ON THE SOFTWARE FURNISHED HEREUNDER,
                          INCLUDING
                          WITHOUT LIMITATION, ALL IMPLIED WARRANTIES OF MERCHANTABILITY
                          AND FITNESS
                          FOR A PARTICULAR PURPOSE. The stated express warranties
                          are in lieu of all
                          obligations or liabilities on the part of Fidelity arising
                          out of or in
                          connection with the performance of the
                          Software.

                      

              

              

              
                	
                        5.

                      	
                        SOFTWARE
                          SUBSTITUTION. In
                          the event Fidelity deems it reasonably appropriate to discontinue,
                          prior
                          to shipment, any specific item of Software listed on Attachment
                          3,
                          Fidelity shall not be in default provided Fidelity offers
                          Customer
                          substitute software that is substantially similar in all
                          material
                          respects. In the event that the price of such substitute
                          software exceeds
                          the price of such discontinued Software, Fidelity shall
                          notify Customer of
                          the substitute price at least thirty (30) days prior to
                          the date of
                          shipment of such substitute software, and Customer shall
                          have the option
                          to cancel the order for such discontinued Software with
                          no liability to
                          Fidelity with respect to such discontinued or substitute
                          software. In the
                          event that Fidelity does not receive notice of Customer’s election to
                          cancel the order prior to the date of shipment Customer
                          shall be deemed to
                          have agreed to license or purchase, as applicable, such
                          substitute
                          software at the substitute price pursuant to the other
                          terms and
                          conditions hereof. 

                      

              

              

              
                	
                        6.

                      	
                        IMPLEMENTATION/DATA
                          CONVERSION SERVICES. If
                          indicated on Attachment 3, Fidelity shall perform implementation
                          and/or
                          data conversion services in accordance with Fidelity’s standard
                          implementation and data conversion
                          procedures.

                      

              

            

            
              
                 

              

              
                
                  
                  

                

                
                  
                  

                  
                    

                  

                

                
                  
                  

                

              

            

            
               

              
                FIDELITY
                  INFORMATION SERVICES, INC.

                SOFTWARE
                  MAINTENANCE SCHEDULE

                

                INITIAL
                  TERM

                Five
                  (5) years

                 

                RENEWAL
                  TERM

                Five
                  (5) years

                 

                COMMENCEMENT
                  DATE 

                The
                  Commencement Date shall be the date of delivery of Software, or
                  in the event
                  that Fidelity provides implementation and/or data conversion services,
                  the date
                  that the Software is first installed and available for Customer’s use in a
                  production environment.

                

                This
                  Schedule together with any attachments and/or exhibits hereto,
                  the General Terms
                  and Conditions to
                  be signed concurrently
                  (“General Terms”), and any written modifications thereto signed and agreed to by
                  Fidelity
                  Information Services, Inc.
                  of
                  Maitland, Florida (“Fidelity”) and Solera
                  Bank, N.A. (IO) of Wheat
                  Ridge, Colorado
                  (“Customer”) from time to time hereafter shall be referred to as the “Software
                  Maintenance Agreement” or “Agreement”.

                

                This
                  Schedule supersedes and replaces any and all prior agreements between
                  the
                  parties and/or their affiliates, subsidiaries, predecessors, successors,
                  or
                  assigns for the same or similar services as those described in
                  this
                  Schedule.

                

                1.    TERM

                

                Unless
                  otherwise terminated as provided for in the General Terms or as
                  may be set forth
                  herein, the term of this Agreement shall commence on the Commencement
                  Date and
                  shall expire at the end of the Initial Term set forth above. Thereafter,
                  this
                  Agreement will automatically renew for successive periods of the
                  Renewal Term
                  set forth above unless either party gives the other party written
                  notice at
                  least one hundred eighty (180) days prior to the expiration date
                  of the Term
                  then in effect that the Agreement will not be renewed beyond such
                  Term. The
                  Initial Term and the Renewal Terms are herein collectively referred
                  to as
“Term”.

                

                2.    FEES
                  

                

                Customer
                  agrees to pay to Fidelity the fees for Services as set forth in
                  Attachment 3
                  (the “Pricing Attachment”) beginning on the Commencement Date in accordance with
                  the payment terms set forth in the General Terms.

                

                3.    COVERED
                  MAINTENANCE

                

                
                  	 	
                          3.1

                        	
                          General.
                            Fidelity will provide the maintenance required to cause
                            the Software
                            and/or interface(s), as identified on that certain Software
                            License
                            Schedule and its Attachment(s), which is hereby incorporated
                            by reference,
                            to operate substantially in accordance with the then-current
                            documentation. Such maintenance will be performed during
                            the Term and
                            includes all labor without additional fees to Customer,
                            except as
                            otherwise provided in this Agreement. Fidelity agrees,
                            as its exclusive
                            obligation hereunder, to use commercially reasonable
                            efforts to correct
                            reported defects in a timely manner based on the severity
                            of the error and
                            its effect on Customer’s business or operations. Minor errors which do not
                            either (i) materially affect Customer’s business or operations or (ii)
                            cause unreasonable disruption to Customer, may be addressed
                            in the next
                            release of the Software. For some errors, Fidelity may
                            provide Customer
                            with a reasonable procedure or “work around” to avoid the effects of the
                            error until it can be addressed in the next release of
                            the Software,
                            provided that such procedure is not unreasonably burdensome
                            to
                            Customer.

                        

                

                 

                 

                
                  
                    
                    

                  

                  
                    
                    

                    
                      

                    

                  

                  
                    
                    

                  

                

                 

                
                  	 	
                          3.2

                        	
                          Updates
                            to Software.
                            Fidelity shall provide Customer with all new releases,
                            versions, error
                            corrections, patches, and fixes for the Software and
                            interface(s) which it
                            provides to its customers who have contracted for maintenance
                            services for
                            the Software and/or interface(s). Through or under the
                            direction of
                            Fidelity and in the manner indicated, Customer shall
                            promptly add to
                            and/or install each release, version, error correction,
                            patch or fix and
                            any applicable documentation provided to Customer by
                            Fidelity. Customer’s
                            failure to install any release, version, error correction,
                            patch, or fix
                            and any applicable documentation provided by Fidelity,
                            shall release
                            Fidelity of any responsibility for the improper operation
                            or any
                            malfunction of the Software as modified by such release,
                            version, error
                            correction, patch or fix, but shall not relieve Customer
                            of any of its
                            obligations hereunder. Fidelity reserves the right to
                            charge additional
                            fees for any new or additional product or for new or
                            additional versions
                            of the Software which introduce significant new functionality
                            or changes
                            in the technology used, provided, or relied
                            upon.

                        

                

                

                
                  	 	
                          3.3

                        	
                          Telephone
                            Support.
                            Fidelity will provide telephone support for the Software
                            and/or
                            interface(s), as applicable, during regular business
                            hours excluding
                            banking holidays. Telephone support shall include (i)
                            diagnosing errors in
                            the Software and malfunctions caused by operator error,
                            (ii) advising
                            Customer of corrective measures, and (iii) clarifying
                            operating
                            instructions contained in the documentation, if
                            applicable.

                        

                

                

                4.    EXCLUSIONS
                  FROM COVERED MAINTENANCE

                

                Software
                  maintenance does not include the following:

                

                
                  	 	
                          4.1

                        	
                          Malfunctions
                            and errors caused by (i) unreported defects, (ii) misuse
                            or abuse of the
                            Software, (iii) Customer’s failure to backup its systems, (iv) use of the
                            Software with hardware or software other than that approved
                            by Fidelity
                            for use with such Software, (v) changes to the Software
                            made by or on
                            behalf of Customer which are not developed in consultation
                            with Fidelity,
                            (vi) maintenance or repair performed by other than authorized
                            Fidelity
                            personnel, (vii) damage to the Software by Customer,
                            or (vii) an event of
                            force majeure as set forth in Section 5 of the General
                            Terms;

                        

                

                

                
                  	 	
                          4.2

                        	
                          Repair
                            or replacement of expendable items;

                        

                

                

                
                  	 	
                          4.3

                        	
                          Standby
                            support for equipment changes, reconfiguration, upgrades
                            or
                            relocations;

                        

                

                

                
                  	 	
                          4.4

                        	
                          Fidelity-requested
                            involvement in determining or solving a problem on software
                            and/or
                            equipment not covered by this Agreement;

                        

                

                

                
                  	 	
                          4.5

                        	
                          Replacement
                            Software; or

                        

                

                

                
                  	 	
                          4.6

                        	
                          On-site
                            service or the installation of any Software or hardware.
                            If Customer
                            requests on-site assistance, Fidelity may provide such
                            support and bill
                            Customer at then-current rates for such
                            services.

                        

                

                

                5.    CUSTOMER’S
                  RESPONSIBILITIES

                

                Customer
                  shall: 

                

                
                  	 	
                          5.1

                        	
                          Timely
                            train its personnel in use and operation of the
                            Software;

                        

                

                

                
                  	 	
                          5.2

                        	
                          Participate
                            in testing when requested to do so by
                            Fidelity;

                        

                

                

                
                  	 	
                          5.3

                        	
                          Establish
                            and institute Fidelity’s reasonably required operating
                            procedures;

                        

                

                 

                 

                
                  
                    
                    

                  

                  
                    
                    

                    
                      

                    

                  

                  
                    
                    

                  

                

                 

                
                  	 	
                          5.4

                        	
                          Comply
                            with instructions received from Fidelity verbally or
                            in writing;
                            

                        

                

                

                
                  	 	
                          5.5

                        	
                          Promptly
                            notify Fidelity of all problems with the Software, and
                            shall, if
                            applicable, provide assistance in identifying and detecting
                            problems,
                            errors, and malfunctions. Upon request by Fidelity, Customer
                            shall provide
                            data and information regarding any errors with sufficient
                            detail and
                            supporting documentation to enable Fidelity to diagnose,
                            and if necessary,
                            recreate the problem, error, or malfunction; and
                            

                        

                

                

                
                  	 	
                          5.6

                        	
                          Maintain
                            access to the Software for remote access and diagnosis
                            purposes.
                            

                        

                

                

                
                  	
                          6.

                        	
                          BILLABLE
                            CALL MAINTENANCE

                        

                

                

                Any
                  maintenance other than covered maintenance described in this Schedule,
                  will be
                  charged at Fidelity’s then-current rates.

                 

                
                  
                    
                    

                  

                  
                    
                    

                    
                      

                    

                  

                  
                    
                    

                  

                

              

            

          

        

      

    

    
EXHIBIT
      A

    3-D
      SECURE SERVICES

    

    INITIAL
      TERM

    

    The
      Term
      of this Exhibit shall be coterminous with the Electronic Funds Transfer Services
      Schedule and shall automatically terminate if the Electronic Funds Transfer
      Services Schedule is terminated for any reason. 

    

    RENEWAL
      TERM

    

    The
      Renewal Term of this Exhibit shall be coterminous with any renewal of the
      Electronic Funds Transfer Services Schedule.

    

    Fidelity
      agrees to provide Customer with the 3-D Secure Services described below. The
      following terms and conditions are in addition to the terms and conditions
      of
      the Agreement. The parties agree that this Exhibit A is incorporated into and
      made part of the Electronic Funds Transfer Services Schedule.

    

    1.    DEFINITIONS

    

    In
      addition to any other defined terms contained in the Schedule, the following
      capitalized terms will have the following meanings with regard to this Exhibit.
      Capitalized terms used but not otherwise defined herein shall have the meanings
      given to them in the Agreement.

    

    
      	 	 	
              1.1

            	
              “3-D
                Secure”, “3-D Secure Services” or “3-D Secure Solutions” shall mean
                Fidelity’s program name for those systems, software, and services required
                for an institution to be compliant with the requirements of VISA
                and
                MasterCard electronic commerce security initiatives known as Verified
                by
                VISA and MasterCard SecureCode. 

            

    

    

    
      	 	 	
              1.2

            	
              “Cardholder”
                shall mean an authorized user of a Debit Card (as defined below)
                issued by
                Customer.

            

    

    

    
      	 	 	
              1.3

            	
              “Cardholder
                Authentication” shall mean the process of verifying account ownership
                during a purchase transaction in an online electronic commerce
                environment.

            

    

    

    
      	 	
              1.4

            	
              “Cardholder
                Enrollment” shall mean the process of authenticating a Cardholder for the
                purpose of allowing the Cardholder to assign a unique password, which
                would be subsequently used for
                authentication.

            

    

    

    
      	 	 	
              1.5

            	
              “Debit
                Card(s)” shall mean Debit MasterCard and/or VISA Check Card debit cards
                issued by Customer.

            

    

    

    2.    3-D
      SECURE SOLUTIONS 

    

    
      	 	
              2.1

            	
              Customer
                hereby engages Fidelity to provide 3-D Secure Solutions to Customer.
                This
                service provides secure internet servers and web pages that allow
                Cardholder Authentication and Cardholder Enrollment functions compatible
                with Verified by VISA and MasterCard Secure Code specifications.
                The
                purpose of these services is to reduce the incidence of fraudulent
                and
                disputed online payments, and their associated
                costs.

            

    

     

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    
      	 	
              2.2

            	
              Computer
                systems supporting 3-D Secure Solutions will be available twenty-four
                (24)
                hours per day, seven days per week (except for certain down times
                as
                described in Section 2.5). 

            

    

    

    
      	 	
              2.3

            	
              Only
                Debit Cards issued by Customer are eligible for 3-D Secure Services.
                Fidelity will not provide 3-D Secure Solutions for any other payment
                cards, including, but not limited to, financial institution branded
                automated teller machine (ATM)
                cards.

            

    

    

    
      	 	
              2.4

            	
              Customer
                will use Fidelity only for technical support in using the 3-D Secure
                Solutions system. All first tier support functions to the Cardholder
                shall
                be performed by Customer.

            

    

    

    
      	 	
              2.5

            	
              Customer
                understands that Fidelity’s 3-D Secure Solutions may occasionally be
                unavailable for short periods of time due to maintenance, enhancements,
                upgrades and similar activities. Although Fidelity will use commercially
                reasonable efforts to keep these periods of unavailability as short
                as
                reasonably possible, Customer acknowledges that 3-D Secure transactions
                may occur during these periods.

            

    

    

    
      	 	
              2.6

            	
              Customer
                understands and acknowledges that all Rules and Policies relating
                to the
                MasterCard Secure Code Program or the Verified by Visa Program and
                electronic commerce may be amended from time to time and are subject
                to
                change without notice by MasterCard or
                Visa.

            

    

    

    3.    RESPONSIBILITIES
      OF CUSTOMER 

     

    Fidelity’s
      obligation to provide 3-D Secure Solutions shall be contingent upon Customer’s
      compliance with the following:

     

    
      	 	
              3.1

            	
              Customer
                will use its best efforts to keep Cardholder address information
                current
                on Fidelity’s database. This information is used during the Cardholder
                Enrollment process. Incorrect or missing address data may cause the
                Cardholder to be unable to enroll.

            

    

    

    
      	 	
              3.2

            	
              Customer
                will assign the function of “Issuer Administrator” to a Customer employee.
                The “Issuer Administrator” employee would be responsible for granting,
                denying, or modifying other Customer employees (CSR Administrators)
                access
                and privileges to the 3-D Secure administrative
                website.

            

    

    

    
      	 	
              3.3

            	
              “CSR
                Administrators” shall be assigned to one or more Customer employees. The
                “CSR Administrator” shall have all system access to research problems,
                reset Cardholder passwords, pull reports, and other general first
                line
                customer service functions to a
                Cardholder.

            

    

    

    4.    EXCLUSIONS
      

     

    Customer
      shall indemnify and hold Fidelity harmless against all claims, losses, damages,
      or liabilities arising in connection with any of the following:

     

    
      	 	
              4.1

            	
              Any
                occurrence of fraud in connection with a Debit Card and a 3-D Secure
                password.

            

    

     

    
      	 	
              4.2

            	
              Any
                reimbursement through the Secure Debit Program (if Customer has contracted
                for the Secure Debit Program) for fraud in connection with a Debit
                Card
                and a 3-D Secure password;

            

    

     

    
      	 	
              4.3

            	
              Cardholder
                transaction(s) not being completed due to Cardholder choosing not
                to
                enroll in 3-D Secure at the time of the
                transaction(s);

            

    

     

    
      	 	
              4.4

            	
              Cardholder
                transaction(s) being denied due to Cardholder data being invalid
                on the
                Cardholder record in Fidelity’s database.

            

    

     

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    5.    3-D
      SECURE FEES 

     

    
      	 	
              Customer
                agrees to pay the monthly fees for 3-D Secure Services as outlined
                on the
                Pricing Attachment attached hereto beginning on the Commencement
                Date for
                Services in accordance with the payment terms set forth in the Agreement.
                One-time fees set forth in Attachment 1 shall be paid as follows:
                fifty
                percent (50%) of such fees upon execution of this Exhibit and the
                remaining fifty percent (50%) of such fees on the date that 3-D Secure
                Services are first available for Customer’s use in a production
                environment, as evidenced by Fidelity turning 3-D Secure Services
                over to
                Fidelity support (the “Commencement Date for Services”). Fidelity reserves
                the right to adjust at any time, pass-through costs, fees and charges,
                outside its control, including without limitation, telecommunications
                charges associated with providing the services described in this
                Schedule.

            

    

    

    6.    INSTALLATION 

    

    
      	 	
              6.1

            	
              Standard.
                Standard installation provides Customer with Fidelity standard template
                websites accessible by Cardholders for enrollment and authentication
                purposes. Customer’s name, logo, and contact information will appear on
                these web pages in a standard template format. Standard installation
                also
                provides Customer with standard, non-branded administrative website
                access
                for program management, reporting, research, and customer
                care.

            

    

    

    
      	 	
              6.2

            	
              Custom.
                Custom installation provides Customer with unique, custom websites
                accessible by Cardholders for enrollment and authentication purposes.
                Customer’s name, logo, and contact information will appear on these web
                pages in a format (e.g., specific text, graphics) specified by Customer
                and allowable by VISA or MasterCard specifications. Custom web pages
                might
                include specific terms and conditions, marketing initiatives, welcome
                screens, and other specific requests. Custom installation also provides
                Customer with standard, non-branded, administrative website access
                for
                program management, reporting, research, and customer
                care.

            

    

    

    7.    MISCELLANEOUS

    

    From
      time
      to time, Customer may require changes to 3-D Secure Services. The fees for
      such
      changes may be found on the EFT Schedule of Services which may be amended from
      time to time by Fidelity.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    EXHIBIT
      B

    SECURE
      DEBIT SERVICES

    

    INITIAL
      TERM

    One
      (1)
      year

    

    RENEWAL
      TERM

    One
      (1)
      year

    

    Fidelity
      agrees to provide Customer with the Fraud Detection Services and/or Fraud
      Indemnification Services described below. The following terms and conditions
      are
      in addition to the terms and conditions of the Agreement attached thereto.
      The
      parties agree that this Exhibit B is incorporated into and made part of the
      Electronic Funds Transfer Services Schedule.

    

    1.    DEFINITIONS

    In
      addition to any other defined terms contained in the Schedule, the following
      capitalized terms will have the following meanings with regard to this Exhibit.
      Capitalized terms used but not otherwise defined herein shall have the meanings
      given to them in the Agreement.

    

    
      	 	
              1.1

            	
              “Cardholder”
                shall mean an authorized user of a Debit Card issued by the
                Customer.

            

    

    

    
      	 	
              1.2

            	
              “Debit
                Card(s)” shall mean Debit MasterCard and/or VISA Check Card debit cards
                issued by Customer.

            

    

    

    
      	 	
              1.3

            	
              “Fraud
                Detection Services” shall mean the fraud detection and other services to
                be provided hereunder by Fidelity using its Neural
                Network.

            

    

    

    
      	 	
              1.4

            	
              “Fraud
                Indemnification” shall mean the indemnification of certain losses by
                Fidelity, as more fully described in Section 7 of this Exhibit.
                

            

    

    

    
      	 	
              1.5

            	
              “Neural
                Network” shall mean the computer software and systems maintained by
                Fidelity which use predictive software techniques to capture payment
                card
                usage patterns and detect fraudulent
                transactions.

            

    

    

    
      	 	
              1.6

            	
              “Secure
                Debit Program Services” shall mean the Fraud Detection Services and Fraud
                Indemnification provided hereunder by Fidelity using its Neural Network.
                Customer may or may not contract for Fidelity’s Fraud Indemnification
                Services.

            

    

    

    
      	
              2

            	
              TERM

            

    

    

    The
      Term
      of this Exhibit shall be for a period of one (1) year beginning upon the
      Commencement Date for Services and shall automatically renew for additional
      one
      (1) year periods at the end of each term unless either party provides no less
      than thirty (30) days written notice. 

    

    3.    FRAUD
      DETECTION SERVICES

    

    
      	 	
              3.1

            	
              Customer
                hereby engages Fidelity to provide Fraud Detection Services to Customer
                and its Cardholders. Using its Neural Network, Fidelity will use
                commercially reasonable efforts to identify potential fraudulent
                Debit
                Card transactions.

            

    

    

    
      	 	
              3.2

            	
              When
                the Neural Network detects a potentially fraudulent transaction,
                Fidelity
                may decline the transaction, place a “hold” on the Debit Card to prevent
                any further transactions, and/or promptly contact by telephone either
                the
                Cardholder or an individual designated by the Customer. Customer
                hereby
                authorizes Fidelity to decline Debit Card transactions that appear
                suspicious in Fidelity’s sole discretion and to contact the Cardholder to
                confirm transaction activity as deemed appropriate in Fidelity’s sole
                discretion. 

            

    

     

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    
      	 	
              3.3

            	
              Fidelity
                shall operate the Neural Network twenty-four (24) hours per day,
                seven (7)
                days per week (except for certain down times as described in Section
                3.6).
                Fidelity’s call center shall operate from 8:00 a.m. to 9:00 p.m., seven
                (7) days per week. Customer acknowledges that potential fraudulent
                transactions detected by the Neural Network during hours when the
                call
                center is closed will be addressed when the call center
                reopens.

            

    

    

    
      	 	
              3.4

            	
              Only
                Debit Cards issued by Customer are eligible for Fraud Detection Services.
                Fidelity will not provide Fraud Detection Services for any other
                payment
                cards, including, but not limited to, financial institution branded
                automated teller machine (ATM)
                cards.

            

    

    

    
      	 	
              3.5

            	
              Customer
                understands that the Fraud Detection Services are intended to detect
                and
                prevent potential fraudulent Debit Card activity. However, Customer
                acknowledges that (a) no fraud detection tool is one hundred percent
                accurate, and (b) it is likely that some fraudulent transactions
                will go
                undetected by the Neural Network and that some non-fraudulent transactions
                may be scored as potential fraud and declined.

            

    

    

    
      	 	
              3.6

            	
              Customer
                understands that the Neural Network occasionally may be unavailable
                for
                short periods of time due to maintenance, enhancements, upgrades
                and
                similar activities. Although Fidelity will use commercially reasonable
                efforts to keep these periods of unavailability as short as reasonably
                possible, Customer acknowledges that fraudulent transactions may
                occur
                during these periods.

            

    

    

    4.    RESPONSIBILITIES
      OF CUSTOMER 

    

    
      	 	
              Fidelity’s
                obligation to provide Fraud Detection Services shall be contingent
                upon
                Customer’s compliance with the
                following:

            

    

    

    
      	 	
              4.1

            	
              Customer
                will use its best efforts to keep current on Fidelity’s database all
                information regarding Cardholders issued by Customer, including,
                but not
                limited to, each Cardholder’s date of birth, day and evening telephone
                numbers, address and Social Security
                number.

            

    

    

    
      	 	
              4.2

            	
              Customer
                agrees to use reasonable efforts to contact its Cardholders regarding
                potentially fraudulent Debit Cards and shall provide Fidelity with
                any
                information obtained from a Cardholder regarding such Debit Cards.
                

            

    

    

    5.    EXCLUSIONS 

    

    
      	 	
              Fidelity
                disclaims all liability to Customer for, and Customer shall indemnify
                and
                hold Fidelity harmless from, any and all demands, claims, actions,
                losses,
                damages, liabilities, costs, and expenses, including reasonable fees
                and
                expenses of counsel, arising in connection with any of the
                following:

            

    

    

    
      	 	
              5.1

            	
              Any
                occurrence of fraud in connection with a Debit Card (unless Customer
                elects the Fraud Indemnification option described in Section 7 of
                this
                Exhibit);

            

    

    

    
      	 	
              5.2

            	
              Neural
                Network system downtime for maintenance, enhancements, upgrades,
                and
                similar activities;

            

    

     

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    
      	 	
              5.3

            	
              The
                application of a low risk score when a transaction was actually
                fraudulent;

            

    

    

    
      	 	
              5.4

            	
              The
                application of a high risk score which results in blocking use of
                a Debit
                Card which is not involved in fraudulent
                activity;

            

    

    

    
      	 	
              5.5

            	
              Any
                failure by Fidelity to decline a fraudulent transaction or to notify
                Customer or Cardholder of a fraudulent
                transaction;

            

    

    

    
      	 	
              5.6

            	
              Any
                decline of a non-fraudulent transaction;
                or

            

    

    

    
      	 	
              5.7

            	
              A
                Cardholder’s inability to use his or her Debit Card due to Fidelity
                placing a temporary restriction on a Debit Card which Fidelity determines
                to be potentially fraudulent.

            

    

    

    6.    FRAUD
      DETECTION SERVICE FEES

    

    
      	 	
              Fees
                for Fraud Detection Services will be waived for any month during
                the term
                of this Exhibit in which Customer maintains a Penetration Rate
                (“Penetration Rate”) of ninety percent (90%) or greater. Penetration Rate
                for each month hereunder is calculated on the last day of such month
                by
                dividing the number of Debit Card records (x) by the sum of (x) and
                the
                number of self-branded automated teller machine (ATM) card records
                (y)
                (e.g. Penetration Rate = ( x / (x+y) ). Customer has ninety (90)
                days from
                the Effective Date of this Exhibit to reach the Penetration Rate
                described
                above. Following that initial ninety (90) day period, during any
                month
                that the Penetration Rate is less than ninety percent (90%), Customer
                will
                pay monitoring fees to Fidelity in an amount set forth on Attachment
                4.

            

    

    

    7.    OPTIONAL
      FRAUD INDEMNIFICATION SERVICES

    

    
      	 	
              7.1

            	
              In
                addition to Fraud Detection Services, Customer may also contract
                with
                Fidelity for Fraud Indemnification. If Customer chooses this option,
                Fidelity will indemnify Customer against any fraud loss sustained
                by
                Customer (other than an Excluded Loss, as defined below) due to any
                Debit
                Card transaction by an unauthorized person who uses (a) any lost
                or stolen
                Debit Card or Debit Card number or (b) any counterfeit Debit Card
                or Debit
                Card number purportedly issued by Customer, provided, however, that
                Customer shall be responsible for the initial fifty dollars ($50.00)
                of
                any loss applicable to a Debit Card
                number.

            

    

    

    
      	 	
              7.2

            	
              Notwithstanding
                the foregoing, Fidelity will not indemnify Customer for any of the
                following losses (each of which shall be an Excluded
                Loss):

            

    

    

    
      	 	
              7.2.1

            	
              Losses
                due to the Cardholder’s attempt to commit fraud against
                Customer;

            

    

    

    
      	 	
              7.2.2

            	
              Losses
                for which the Cardholder has disclosed the Personal Identification
                Number
                or “PIN” to any other party, including, but not limited to, disclosure by
                writing the PIN on or near the
                card;

            

    

    

    
      	 	
              7.2.3

            	
              Losses
                for which the Cardholder has disclosed the 3-D Secure password to
                any
                other party, including but not limited to, disclosure by writing
                the 3-D
                Secure password on or near the
                card;

            

    

    

    
      	 	
              7.2.4

            	
              Losses
                due to any action or omission of any employee or agent of
                Customer;

            

    

    

    
      	 	
              7.2.5

            	
              Losses
                due to disputed transactions between Customer, Cardholder, and merchant,
                such as lack of service, non-receipt, duplicate postings, and differences
                in posting amount and receipt;

            

    

     

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    
      	 	
              7.2.6

            	
              Losses
                resulting from lost interest, bank fees, returned check fees, overdraft
                fees, or any other charge incurred by a Cardholder due to reductions
                in an
                account’s available balance as a result of a fraudulent
                transaction;

            

    

    

    
      	 	
              7.2.7

            	
              Losses
                above Fidelity’s then-current guidelines for daily point-of-sale maximum
                amount. As of the date of this Exhibit, such amount is one thousand
                two
                hundred dollars ($1,200.00). Fidelity reserves the right to increase
                or
                decrease this amount at any time and will provide Customer written
                notice
                thereof. In the event that Customer raises any Cardholder’s limit above
                that amount, Customer shall be responsible for any losses incurred
                over
                that daily limit; or

            

    

    

    
      	 	
              7.2.8

            	
              Losses
                that result from any cards which are not Debit Cards, including Customer’s
                original issue of automated teller machine (ATM)
                cards.

            

    

    

    8.    CUSTOMER
      RESPONSIBILITIES

    

    
      	 	
              8.1

            	
              The
                Fraud Indemnification provided by Fidelity is conditioned upon Customer
                providing Fidelity written notice of any occurrence upon which Customer
                intends to base a claim of indemnification hereunder within sixty
                (60)
                days of such occurrence. Fidelity shall have full authority to investigate
                and take legal action with regard to such occurrence, and Customer
                shall
                provide reasonable assistance and cooperation to enable Fidelity
                to
                investigate and take legal action with regard to such
                occurrence.

            

    

    

    
      	 	
              8.2

            	
              Customer
                agrees that Fidelity shall have the right to contact Cardholders
                during
                the investigation of any occurrence for which Customer is making
                a claim
                hereunder. Further, Customer agrees to use best efforts to obtain
                an
                affidavit from any such Cardholder, attesting to his or her lack
                of
                involvement in the occurrence and his or her willingness to assist
                in any
                investigation and legal action relating
                thereto.

            

    

    

    
      	 	
              8.3

            	
              Within
                twenty-four (24) hours of receiving notice from a Cardholder that
                a Debit
                Card has been lost, stolen or compromised, Customer shall report
                such
                notice to Fidelity so that the Debit Card may be included on the
                MasterCard Warning Bulletin or Visa Exception File (as applicable)
                for
                such period of time as is necessary (recommended minimum of 6 months)
                to
                protect against attempted fraudulent transactions. Customer shall
                pay all
                charges and costs incurred for inclusion of the Debit Card on the
                MasterCard Warning Bulletin or Visa Exception
                File.

            

    

    

    
      	
              9.

            	
              FRAUD
                INDEMNIFICATION FEES 

            

    

    

    
      	 	
              For
                each month during the term of this Exhibit, Customer will pay Fidelity
                the
                fee set forth in Attachment 4. The Fraud Indemnification Fee is in
                addition to any monitoring fees owed by Customer and is not eligible
                for a
                waiver as is the monitoring fee.

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