1. Denver Advisory Board Tony Giarratano Vice President – Tech Center FirstBank

2. About Me 2

3. Professional Golf 3

4. 4

5. Free Time Anything outside 5

6. FirstBank HQ in Lakewood 1963 - Westland Shopping Center 120 locations in Colorado, Phoenix and Palm Desert 2,300 employees Total Assets over $14 Billion Privately held w/ long term goals 6

7. FirstBank 7

8. Why a Local Bank is Important 8

9. What’s the Difference? Everyone has bank accounts, debit cards, internet banking so why does it matter? Officers are Relationship Managers and Decision Makers 9

10. Real Estate Secured Lender We LOVE real estate Residential Mortgages Commercial RE Loans Construction 10

11. My Job Originate Loans Grow the Bank Manage the Branch Portfolio management Train Junior Officers Volunteer in the Community 11

12. Ideal Client Small Business Owner –Loan on commercial space –Business accounts –Line of Credit to fund operations –Mortgage on Primary Residence –Personal Accounts –Kids’ 529 Accounts One person to call for everything 12

13. Thank You Tony Giarratano Vice President – Tech Center 303-740-5374 tony.giarratano@efirstbank.com 13