First Western is the best private bank for the western wealth management client. We provide integrated wealth management solutions on a private banking platform. We listen to our clients to gain an understanding of their wealth management needs and create customized solutions in the areas of private banking, personal trust, investment management and wealth planning.

In this time of turmoil in the financial markets, many are unsure of where to turn. We want to provide our friends of the bank with comfort that First Western remains the best solution for all of their financial needs.

• Healthy, Strong, and “Well-Capitalized,” which is the top regulatory capital classification for banks and bank holding companies.



• A Conservative Credit Manager – Our asset quality is very high. The Colorado bank, as of the December 31, 2009 FDIC call report, had just 2.25% of our total loan portfolio classified as past due and non-accrual loans as compared to its FDIC peer group average of 4.72%. The Arizona bank, as of the December 31, 2009 FDIC call report had 0.00% of its total loan portfolio classified as past due or non-accrual loan as compared to its FDIC peer group average of 0.56%.



• Liquid - First Western manages liquidity by selling excess liquidity every night into the interbank federal funds market and by having plenty of available liquidity in various correspondent credit facilities and other institutional sources.



• Profitable – Last year the Bank’s earnings placed it in the top quartile of FDIC peer banks.



• A Real Trust Bank - Trust Banks like First Western adhere to the most stringent safety and soundness regulations - higher standards than other types of financial services providers.



• Highly Regulated – First Western Financial Inc. and/or its subsidiaries are regulated by the FDIC, Federal Reserve Bank, Colorado Bank Commissioner, Arizona Bank Commissioner, Colorado Insurance Commissioner, and the Securities and Exchange Commission. Our financial statements have been audited by Ernst & Young.



• Well Governed – First Western’s broad base of shareholders elect a highly professional Board of Directors, all large shareholders. Eight of its ten Directors are independent” as defined by the New York Stock Exchange.

We successfully operate in the conservative, safe and sound world of trust banking. We believe our superior results are not an accident – we have a culture that emphasizes putting the client first, and establishing long term relationships with our clients.

We have a culture built around risk management, and we focus on long term results both for our clients and for our own operations. When the markets are booming, we may seem a little boring and cautious, but in times like these, we stand out as a safe harbor.

This “flight to quality” at First Western led us to a spot on the 2008 Inc. 500 list, including us as the top Bank or Bank holding company. We have continued our record growth this year, with our steady, conservative risk-managed approach yielding great results for our clients and stakeholders alike.

- Scott C. Wylie, Chairman and CEO, First Western Financial

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