UNITED WESTERN TRUST

Insurance and Financial

Owner

MATRIX BANCORP, INC.

WESTERN UNITED BANK

Insurance and Financial

Owner

MATRIX BANCORP, INC.

WESTERN UNITED TRUST

Insurance and Financial

Owner

MATRIX BANCORP, INC.

WESTERN UNITED BROKERAGE

Insurance and Financial

Owner

MATRIX BANCORP, INC.

WESTERN UNITED TITLE

Insurance and Financial

Owner

MATRIX BANCORP, INC.

WESTERN UNITED INSURANCE

Insurance and Financial

Owner

MATRIX BANCORP, INC.