Capitol Bancorp Ltd.

Ms. Reid is the Corporate President of Capitol. She was previously Chief Operating Officer, Chief Administrative Officer, Executive Vice President, General Counsel and has served in other various executive capacities at Capitol since 1997. Ms. Reid was appointed to Capitol's Board of Directors in 2001. She formerly served on the Board of Capitol's affiliates Nevada Community Bancorp Limited, which was merged with and into Capitol, Camelback Community Bank, Portage Commerce Bank and Ann Arbor Commerce Bank. She is currently Chairman of Capitol's affiliate Capitol National Bank and the Chairman and Chief Executive Officer of Capitol Development Bancorp Limited III, IV, V, VI, VII and VIII. Ms. Reid is 40 years of age, is a daughter of Joseph D. Reid, wife of Brian K. English, Capitol's General Counsel and sister of Joseph D. Reid III, Capitol's Chief of Bank Development.

Mr. Reid is the Chairman of the Board and CEO and founder of Capitol. He served as Chairman and CEO of Sun Community Bancorp Limited, which was merged with and into Capitol. Mr. Reid also serves as the Chairman of several of Capitol's bank affiliates. He has served as a Director of Capitol and/or its first bank affiliate since inception in 1982. Mr. Reid is 66 years of age.

Mr. Nofziger is President of Hoogenboom Nofziger and previously served as a member of the Board of Directors of Capitol's affiliate, Indiana Community Bancorp Limited, which was merged with and into Capitol. Mr. Nofziger was elected to the Board of Capitol in 2003 and is 68 years of age.

Mr. Henderson is Capitol's "audit committee financial expert" for purposes of Item 407(d)(5) of Regulation S-K promulgated by the SEC. The identification of a person as an audit committee financial expert does not impose any duties, obligations or liabilities that are greater than those imposed on such person as a member of either the Audit Committee or the Board in the absence of such identification. Moreover, the identification of a person as an audit committee financial expert, for purposes of the regulations of the SEC, does not affect the duties, obligations or liability of any other member of the Audit Committee or the Board. Finally, a person who is determined to be an audit committee financial expert will not be deemed an "expert" for any purpose, including without limitation for purposes of Section 11 of the Securities Act of 1933.

Mr. Andrews currently serves as the President of the California Region of Capitol Bancorp Limited, and serves as a Director of Bank of Escondido, Sunrise Bank of San Diego, Point Loma Community Bank, Bank of San Francisco and Napa Community Bank. His previous experiences cover twenty-nine years in the banking industry. He held the position of Executive Vice President for First National Bank of San Diego from June 2000 to September 2002, where he was responsible for management of ten branch locations, marketing, consumer lending, corporate properties, and the data and item processing operations of this $700 million dollar community bank. Prior to joining First National Bank, Mr. Andrews worked for First Interstate Bank for twenty years in a variety of positions primarily related to retail and small business banking. He worked for Wells Fargo Bank following the acquisition of First Interstate Bank for a period of three and a half years. At Wells Fargo, he managed a retail banking division of up to 200 branch locations.Mr. Andrews holds a finance degree from San Diego State University and a graduate degree from the Stonier Graduate School of Banking at the University of Delaware.

Stan Ricketts, Chairman and Director - Mr. Ricketts earned a bachelor of business administration degree from Wichita State University and quickly began his career in banking. His experience in Kansas City and the surrounding areas has helped him develop great knowledge of the local banking markets. Mr. Ricketts currently serves as the President of the Midwest region for Capitol Bancorp Limited.

David D. Fortune – Mr. Fortune has served as Chief Credit Officer for Capitol since 2004. Prior to that time, he was a Senior Vice President/Credit Administration for Capitol.

Lee W. Hendrickson – Mr. Hendrickson has served as the Chief Financial Officer for Capitol since 1991.

Michael M. Moran – Mr. Moran joined Capitol in 2000 as the Executive Vice President of Corporate Development and currently serves as Chief of Capital Markets.

Mr. O’Leary is the Secretary of Capitol. He is Chairman of O'Leary Paint Company. Mr. O'Leary was a founding Director of Capitol and has served as a Director of Capitol and/or its first bank affiliate since 1982 and is 78 years of age. He formerly served on the Board of Directors of Capitol's affiliate, First California Northern Bancorp, which was merged with and into Capitol. Mr. O'Leary also serves as a Director of the Bank of San Francisco and Napa Community Bank, affiliates of Capitol.

Ms. Gaskin is an Associate Broker for Tomie Raines, Inc. Realtors. Ms. Gaskin has been a member of the Board of Directors of Capitol and/or its first bank affiliate since 1982 as a founding Director. Ms. Gaskin is 67 years of age.

Mr. Devine is an Attorney at Law and was previously a member of the Board of Directors of Sun Community Bancorp Limited, which was merged with and into Capitol. Mr. Devine is 67 years of age, has served as a Director of Capitol since 2002 and has regularly served as a Director and/or Chairman of several of Capitol's bank affiliates. He currently serves as Chief of the Special Assets Group of Capitol.

Dr. Falkenberg specializes in osteopathic medicine. Dr. Falkenberg was a founding Director of Capitol and has served as a Director of Capitol and/or its first bank affiliate since 1982. Dr. Falkenberg is 70 years of age.

Mr. Ferguson is Chairman of Ferguson Development, LLC and a Director of Maxco, Inc. Mr. Ferguson formerly served as a member of the Board of Directors of Capitol's affiliate, Nevada Community Bancorp Limited, which was merged with and into Capitol. Mr. Ferguson joined the Board of Capitol and/or its first bank affiliate in 1982 as a founding Director. Mr. Ferguson is 70 years of age.

Mr. Becker is the retired founder of Becker Insurance Agency, P.C. Mr. Becker was elected to the Board of Capitol in 1990, and serves as a charter member of the Board of Directors of Portage Commerce Bank, an affiliate of Capitol. Mr. Becker is 73 years of age.

Mr. Johns is the President of Mid-Michigan Investment Company. Mr. Johns formerly served as a member of the Board of Directors of Capitol's affiliate, Nevada Community Bancorp Limited, which was merged with and into Capitol. He has served on the Board of Capitol and/or Capitol's first bank affiliate since 1982 as a founding Director and is 65 years of age.

Mr. Miller is the Vice Chairman of the Board of Capitol. He is President of L.W. Miller Holding Company. Mr. Miller is 65 years of age and has served as a founding Director of Capitol and/or its first bank affiliate since 1982. Mr. Miller also serves as a member of the Board of Directors of Amera Mortgage Corporation, Capitol's mortgage affiliate.

Mr. Hannley is the President and Chief Executive Officer of Capitol's affiliate, Bank of Tucson. He formerly served on the Board of Directors of Capitol's affiliate, Nevada Community Bancorp Limited, which merged with and into Capitol. He currently serves on the Board of Directors of Bank of Santa Barbara, an affiliate of Capitol. Mr. Hannley is 60 years of age and has served on Capitol's Board since 2002. Mr. Hannley is the brother-in-law of Ronald K. Sable.

Mr. Kasten is the Vice Chairman of the Board of Capitol. He is Managing Partner of Kasten Investments, L.L.C. He formerly was Vice Chairman and Director of Sun Community Bancorp Limited, which was merged with and into Capitol, and currently serves as Director, Chairman and/or Vice Chairman of several of Capitol's affiliates. Mr. Kasten is 63 years of age and has served as a Director since 1990.

Mr. Ballard is a retired Executive Vice President of Capitol and retired President and Chief Executive Officer of Portage Commerce Bank, Capitol's second bank affiliate. Mr. Ballard has been a Director of Capitol since 1990. Mr. Ballard is 59 years of age.

Mr. Sable is President of Concord Solutions Ltd. Mr. Sable serves as a member of the board of directors of three of Capitol's affiliate banks. Mr. Sable was elected to the Board of Capitol in 2002 and is 67 years of age. Mr. Sable is the brother-in-law of Michael F. Hannley.

Mr. Maas is co-owner of River Valley Title, LLC and an attorney. He is also Vice President and Treasurer of Maas Asset Management, Inc. and a Member of T & S Maas Investment Group, LLC. He currently serves as a member of the Board of Directors of Portage Commerce Bank, an affiliate of Capitol. Mr. Maas was elected to the Board of Capitol in 2009 and is 50 years of age.