0001144204-07-034889 Sample Contracts

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Credit Agreement • July 2nd, 2007 • United Western Bancorp Inc • State commercial banks

This agreement dated as of June 29, 2007, is between JPMorgan Chase Bank, N.A. (together with its successors and assigns, the “Bank”), whose address is 120 South La Salle Street, 6th Floor, Chicago, IL 60603-3403, and United Western Bancorp, Inc., a Colorado corporation, whose address is 700 17d’ Street, Suite 2100, Denver, Colorado 80202 (whether one or more, and if more than one, individually and collectively, the “Borrower”).

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