CAPITOL BANCORP LIMITED

POINT LOMA COMMUNITY BANK

Anthony D. Calabrese Sr., President & CEO

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Point Loma Community Bank has been very well received by the local community since opening in August 2004. Since inception, we have grown our deposits significantly each year and look forward to further growth opportunities in 2008.

We are proud to sponsor the annual Point Loma Summer Concert Series…

We are proud to provide exceptional service to our nearly 2,000 customers, many of whom live in Point Loma. Our clientele receives a warm welcome every time they interact with our employees. We go above and beyond to ensure that our customers feel personally supported and we have often delivered meals during an illness when they are in need of a friend.

Community outreach efforts continue to be our primary focus. We are proud to sponsor the annual Point Loma Summer Concert Series and enjoy hosting these concerts where I act as their Master of Ceremonies. We also contribute significantly to local schools by providing volunteers and sponsorship funds to support educational development of the children in our community. In 2007, we launched a program to sponsor a Meals-on-Wheels route focused on bringing daily meals to the elderly in Point Loma. We also introduced a new college internship program at our office, providing our employees the opportunity to train and develop students from the University of California at San Diego. It should also be noted that our employees share the bank’s desire to give to others, shown by their 100 percent participation in the 2007–08 United Way Campaign.

With multiple years under our belt, we have implemented a strategic marketing plan developed to continue our growth momentum over the next several years. Our new plan focuses on print, radio and public television ads in local media reaching our specific target markets. We also coordinated a direct mail campaign resulting in healthy growth in our Home Equity Line commitments.

As a local business bank, we take pride in supporting our local economy by serving local businesses. We consider ourselves an extension of their staff and enjoy guiding them through their financial decisions.

Now that we are solidly positioned within our community, we are confident that 2008 will show continued market share and financial growth for Point Loma Community Bank!

— Anthony D. Calabrese Sr., President & CEO

1350 Rosecrans Street | San Diego, CA 92106
619.243.7900 | www.pointlomabank.com

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BOARD OF DIRECTORS

Scott R. Andrews
President, California Region
Capitol Bancorp Limited

Gregg W. Beaty, DMD
Center for Oral, Maxillofacial &
Implant Reconstructive Surgery

Anthony D. Calabrese Sr.
President & CEO
Point Loma Community Bank

Maurice P. Correia, CPA
Correia & Associates

Arthur DeFever
President
DeFever Marine Enterprises

William T. Fiedler
President
Fiedler Construction Company

Harold O. Grafton
President
Cement Cutting, Inc.

Theodore Griffith
President
Pacific Tugboat Service
& Pearson Marine Fuel

Marcia Haas
Owner/Managing Partner
Aristocrat Apartments

John S. Lewis
President of Bank Performance
Capitol Bancorp Limited

Julius S. Paeske Jr.
President
Commercial Facilities, Inc.

Richard D. Thorn
Attorney at Law & Owner
Ward & Thorn, A Professional
Law Corporation

Mark A. Winkler
Broker Associate
Prudential Realty


OFFICERS

John S. Lewis
Chairman

Anthony D. Calabrese Sr.
President & CEO

Donald H. Gruhl
Senior Vice President

Millicent M. McKibbin
Senior Vice President

Jill M. Faucher
Vice President

Leticia C. Trujillo
Vice President