AMENDMENT NUMBER FOUR TO THE
MATRIX CAPITAL CORPORATION 401(k) PROFIT SHARING PLAN
AMENDMENT made effective as of December 30, 2001 by Matrix Bancorp, Inc., (the "Employer"), a
corporation organized and existing under the laws of the State of Colorado.
WHEREAS, the Employer previously adopted and maintains Matrix Capital Corporation 401 (K) Profit Sharing
Plan (the "Plan"), effective January 1, 1994; and
WHEREAS, pursuant to Article VIII, Section 8.1 of the Plan, the Employer may amend the Plan at any time; and
WHEREAS, the Employer desires to amend the Plan to change the Plan Year and make certain other changes
associated with contributions for future plan years.
NOW, THEREFORE, BE IT RESOLVED, that effective December 30, 2001, the Plan is hereby amended as
1. Article I of the Plan is amended to change the following definition:
"1.46 "Plan Year" means the Plan's accounting year of twelve (12) months commencing on December 31st of
each year and ending the following December 30th. The Plan Year beginning January 1, 2001 and ending
December 30, 2001 shall be a short Plan Year."
2. Article I of the Plan is amended to add new definitions as follows:
"1.61 , "Applicable Tax Year" means the Tax Year in which the Plan Year begins."
"1.62 "First Day Participant" means any Employee who is an Employee and a Participant on the first day through
the last day of the Applicable Tax Year."
"1.64 "Specified Minimum Employer Contribution" means for each Plan Year, a Participating Employer may
make a discretionary Specified Minimum Employer Contribution on behalf of First Day Participants. The
Specified Minimum Employer Contribution for each Plan Year shall be in an amount determined by the Chief
Financial Officer by appropriate resolution on or before the last day of the Applicable Tax Year. Such Specified
Minimum Employer Contribution shall be allocated to First Day Participants in accordance with Section 4.12 of