To remain profitable and competitive, we must assure our Institution's relevance
to the changing needs of society. This means maintaining our sensitivity to the
ever-changing environment In which we do business. II also means constantly
stressing the human aspect of business. The sfory Of Ibe United Bank of Denver's
efforts to adapt is not so much that of a bank, as it is the story of a group of
nearly one thousand individuals striving to adapt In ways thai are beneficial to
the many people with whom the bank interacts, as well as to the bank itself. Because
change is unceasing, there is no end to our continuing search for a
new equilibrium.