0001144204-06-009902 Sample Contracts

SEVERANCE, SEPARATION AND RELEASE AGREEMENT
Severance Agreement • March 15th, 2006 • Matrix Bancorp Inc • Mortgage bankers & loan correspondents • Colorado

This Severance, Separation and Release Agreement (“Agreement”) is entered into as of this 4th day of November, 2005, between Matrix Bancorp, Inc. (the “Company”), Matrix Capital Bank, Matrix Bancorp Trading, Inc., First Matrix Investment Services Corp., ABS School Services, LLC, Matrix Financial Services Corporation, Matrix Insurance Services Corporation, MTXC Realty Corp., Matrix Tower Holdings, LLC, The Vintage Group, Inc., and EquiMor Holdings, Inc. (collectively, the “Employers”) and D. Mark Spencer (the “Employee”).

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RETENTION, SEPARATION AND RELEASE AGREEMENT
Retention, Separation and Release Agreement • March 15th, 2006 • Matrix Bancorp Inc • Mortgage bankers & loan correspondents • Colorado

This Retention, Separation and Release Agreement (“Agreement”) is entered into as of this 4th day of November, 2005, between Matrix Bancorp, Inc. (the ‘Company”), Matrix Capital Bank (the “Bank”), Matrix Bancorp Trading, Inc., First Matrix Investment Services Corp., First Matrix, LLC, ABS School Services, LLC, Matrix Financial Services Corporation, Matrix Funding Corp., MTXC Realty Corp., Sterling Trust Company (“Sterling”), The Vintage Group, Inc., Vintage Delaware Holdings, Inc., EquiMor Holdings, Inc., MSCS Ventures, Inc., Charter Facilities Funding, LLC, Charter Facilities Funding III LLC and Community Development Funding I, LLC (collectively, the “Employers”) and David W. Kloos (the “Employee”).

SEVERANCE, SEPARATION AND RELEASE AGREEMENT
Severance Agreement • March 15th, 2006 • Matrix Bancorp Inc • Mortgage bankers & loan correspondents • Colorado

This Severance, Separation and Release Agreement (“Agreement”) is entered into as of this 4th day of November, 2005, between Matrix Bancorp, Inc. (the ‘Company”), and David Frank (the “Director”).

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