CAPITOL BANCORP LIMITED

BANK OF SAN FRANCISCO

Edward C. Obuchowski, President & CEO

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Bank of San Francisco focuses on providing exceptional banking services to business, nonprofit and private banking clients throughout the Bay Area. Our experienced and talented staff is making heads turn our way.

Serving the banking needs of dental practices…has been a great way to combine our business and private banking capabilities.

During 2007, we were honored to have the civil and structural engineering firm, T.Y. Lin International, move its banking relationship to us. With more than 1,300 employees in offices throughout the U.S. and Asia, the firm serves clients around the world. In making the decision to change to Bank of San Francisco, T.Y. Lin International valued the experience and knowledge of our team as well as our local decision-making capability and our ability “to deliver” the credit, depository and cash management services needed to support its business.

Serving the banking needs of dental practices is a new market niche for us. This often entails financing the acquisition of practices, providing merchant account and depository services to practices and handling the personal banking needs of dentists. It has been a great way to combine our business and private banking capabilities. Our loan structures, quick credit decisions, team approach and relationship orientation are what our dental clients tell us differentiate us from the competition.

We are committed to serving the nonprofit sector. We were proud to have Lick-Wilmerding, a highly-regarded private high school, become a client. Our ability to design products that suited the school’s unique needs was a driving force in its decision to join Bank of San Francisco.

Our staff continues to be active in the community by serving on various boards and taking part in nonprofit events. For example, last year our employees taught a five-week Junior Achievement program at a local elementary school. We were able to assign an employee to each of the nine grades in the school, something Junior Achievement could not accomplish previously.

The bank’s clients, advisory board, board of directors, investors and referral network are key to helping us “spread the word” about Bank of San Francisco to the Bay Area’s business and nonprofit communities. It is through our “ambassadors” that we are building our bank.

— Edward C. Obuchowski, President & CEO

575 Market Street, Suite 2400 | San Francisco, CA 94105
415.744.6700 | www.bankofsf.com

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BOARD OF DIRECTORS

Roberta Achtenberg
Chair, Board of Trustees
The California State University

Scott R. Andrews
President, California Region
Capitol Bancorp Limited

Joseph P. Cristiano
Chairman, The MCM Group
Former President & CEO
Kelly-Moore Paint Company

James R. Dobberstein
Managing Director & Principal
Shea Labagh Dobberstein CPAs

Arthur F. Evans
Chairman
AF Evans Company, Inc.

Susan E. Lowenberg
Vice President
Lowenberg Corporation

Kelly McCown
Co-Founder/Partner
McCown & Evans LLP

Susan S. Morse, CFA, CFP
Senior Advisor &
Chief Compliance Officer
Mosaic Financial Partners, Inc.

Edward C. Obuchowski
President & CEO
Bank of San Francisco

David J. O’Leary
Chairman
O’Leary Paint Company

George J. Vukasin Jr.
Executive Vice President
Peerless Coffee & Tea


OFFICERS

Roberta Achtenberg
Chair, Board of Trustees
The California State University

Scott R. Andrews
President, California Region
Capitol Bancorp Limited

Joseph P. Cristiano
Chairman, The MCM Group
Former President & CEO
Kelly-Moore Paint Company

James R. Dobberstein
Managing Director & Principal
Shea Labagh Dobberstein CPAs

Arthur F. Evans
Chairman
AF Evans Company, Inc.

Susan E. Lowenberg
Vice President
Lowenberg Corporation

Kelly McCown
Co-Founder/Partner
McCown & Evans LLP

Susan S. Morse, CFA, CFP
Senior Advisor &
Chief Compliance Officer
Mosaic Financial Partners, Inc.

Edward C. Obuchowski
President & CEO
Bank of San Francisco

David J. O’Leary
Chairman
O’Leary Paint Company

George J. Vukasin Jr.
Executive Vice President
Peerless Coffee & Tea