CAPITOL BANCORP LIMITED

aRROWHEAD COMMUNITY BANK

Arlene Kulzer, President & CEO

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Individual success stories have been among the highlights of 2007. Arrowhead Community Bank has continued its steady growth trend and our associated financial institutions, including Capitol Wealth Advisors and Equipment Leasing Services, have both spurred and shared in that forward movement. Like all accomplished entrepreneurs, we understand success does not just come to those who want it — success is reserved for those who focus and pursue it.

Success is reserved for those who focus and pursue it.

Over the past year, Linda Reynolds, owner of Care from the Heart, a non-medical in-home care provider, realized her dream of owning her own building in the Sun City market. Reynolds shared her dream with West USA Realty agent Audrey Hickman and through their combined efforts they found a perfectly located — albeit a larger building than Reynolds required. Focusing on the desired end result, Reynolds and Hickman soon secured letters of interest and signed contracts from prospective tenants. At this point they sought the assistance of Arrowhead’s Deb Charlesworth, who assembled an attractive financing package.

When Dr. Amol Rakkar and his wife, Dr. Navjot Rakkar, mentioned their desire to prepare for their children’s education, Charlesworth introduced the Rakkars to our Capitol Wealth Advisors investment executive, Richard Oliver. After several Saturday sessions with the Rakkars, Oliver was able to establish a tax exempt account for their children’s future education and assist the doctors in investing in other products designed to provide them with peace of mind and financial security. The Rakkars were so impressed with the service they received they referred Dr. Sra to the bank.

After interviewing Dr. Sra, Charlesworth introduced him to an account executive at Equipment Leasing Services. The account executive was able to rewrite Dr. Sra’s equipment leases, saving him more than $25,000 per month in lease payments.

At Arrowhead Community Bank, our team members are committed to working with our strategic partners for the benefit of our loyal clients. This cooperative approach to business has been the key to our success in the past and it will continue to be the key to our future.

— Arlene Kulzer, President & CEO

17235 North 75th Avenue, Suite B100 | Glendale, AZ 85308
623.776.0800 | www.arrowheadcommunitybank.com

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BOARD OF DIRECTORS

Shelley L. Bade
RPA, Principal
SL Bade & Associates LLC

Janet G. Betts
Attorney at Law
Jennings, Strouss & Salmon

W. Patrick Daggett, CPA
Daggett, McConachie & Moore, CPAs, LLP

Michael J. Devine
Attorney at Law

Hon. Thomas R. Eggleston Sr.
Retired
Vice Mayor of Glendale

George L. Evans, PE, RLS
President & Co-Founder
Evans, Kuhn & Associates, Inc.

Richard J. Hilde
Retired CEO
EPW Inc.

David R. Hunter, DDS
Orthodontist

David R. Hunter DDS, PC
Arlene Kulzer
President & CEO
Arrowhead Community Bank

James J. McCue
Aviation Consultant
Sherwin Industries
Terrance C. Mead
Attorney at Law
Mead & Associates, PC

John C. Ogden
Retired CEO
SunCor Development Company

Richard A. Shelton
Agent
RE/MAX Desert Showcase

OFFICERS

John C. Ogden
Chairman

Michael J. Devine
Vice Chairman

Arlene Kulzer
President & CEO

James J. McCue
Secretary


W. Patrick Daggett
Chair, Directors Loan
Committee

Amy Lou Blunt
Executive Vice President & CCO

Deborah M. Charlesworth
Senior Vice President

Mary Catherine Mireles
Senior Vice President

Richard L. Oliver
Senior Vice President

William H. Smith
Senior Vice President

Michael T. Ganahl
Vice President
Stacey J. Morrison
Vice President

Ann L. Nestler
Vice President

Nancy M. Seid
Vice President