CAPITOL BANCORP LIMITED

YUMA COMMUNITY BANK

Katherine M. Brandon, President & CEO

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Over the past seven years, the team at Yuma Community Bank has worked diligently to build our bank, yet each new challenging opportunity shows us that we are only getting started. There are more relationships to build, more contracts to be won and more deals to be done. At the same time, we are committed to supporting our community.

We are expanding again with a new office in the high-growth area of the Foothills section of Yuma.

The Yuma marketplace has changed profoundly in the past 10 years and continues to grow. The opening of our new bank building on South 4th Avenue in 2005 led to numerous new business opportunities. Just two years later, we are expanding again with a new office in the high-growth area of the Foothills section of Yuma, which is about 15 miles east of our main office. The new office opened its doors in January of 2008.

A new opportunity presented itself when General Motors (GM) recently announced a partnership between the U.S. Army and GM to build a $120 million joint-use hot weather test track for GM. We were proud to support the community in its economic growth as a host sponsor at a GM welcome dinner event. The economic impact on Yuma County as a result of the project promises to be considerable.

Yuma Community Bank presented a financial education program to a group of seventh and eighth grade students at Centennial School. We plan to offer presentations to the same students as they move up in grades through high school graduation. The program is funded by a government grant to reduce the drop-out rate among at-risk teenagers. Offering these students the opportunity to learn banking basics may be the best way to help them develop good financial habits. Over the long-term, it can improve the economic outlook for an entire community and can create new business development opportunities for our bank.

As can be seen, Yuma Community Bank continues to grow along with Yuma County. As we grow, we will maintain our commitment to supporting our community as well.

— Katherine M. Brandon, President & CEO

2285 South 4th Avenue | Yuma, AZ 85364
928.782.7000 | www.yumabank.com

11242 South Foothills Boulevard | Yuma, AZ 85367
928.945.3888

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BOARD OF DIRECTORS

Katherine M. Brandon President & CEO
Yuma Community Bank

Clarence B. Cheatham
Vice President
DPE Construction

Raymond R. Corona
Optometrist & President
Corona Optique

Lawrence L. Deason
Attorney at Law
Lawrence L. Deason, Ltd

Michael Didier
Treasurer
Select Seed of Arizona, Inc.

Ram R. Krishna, MD
President
Ram R. Krishna, MD, PC

John T. Osterman
President
Osterman Financial Group

Ronald K. Sable
President
Concord Solutions Ltd.

David S. Sellers
President
Sellers Petroleum

John R. Sternitzke
Owner
Sternco Engineers, Inc.

Pamela K. Walsma
Attorney at Law
Westover, Shadle &
Walsma, PLC

Ronald S. Watson
Real Estate Associate
ERA Matt Fischer Realtor

Robert R. Woodman
Owner
Woodman Realty

Leonard C. Zazula
Corporate Cashier
Capitol Bancorp Limited


OFFICERS

Ronald S. Watson
Chairman

Ram R. Krishna, MD
Vice Chairman

Katherine M. Brandon
President & CEO

Pamela K. Walsma
Secretary

Keith L. Simmonds
Executive Vice President & CCO

Michael G. Barker
Senior Vice President

Theresa N. Wine
Senior Vice President

Terry R. Gadberry
Vice President

Kari M. Reily
Vice President