CAPITOL BANCORP LIMITED

SUNRISE BANK OF SAN DIEGO

Randall S. Cundiff, President & CEO

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Our road to continued success is paved with a focus on the “blocking and tackling” of banking, sound fundamentals that have made us successful. Supporting our team with enhanced product knowledge and training are key components in this goal. Our solid foundation is inherent in the synergy of our team and is complimented by the enthusiasm we share for each other. The bank will continue to empower team members with tools to take ownership in developing and maintaining client relationships. Individual efforts that add value to our clients and contribute to the bottom line are the essence of our strategy.

Sunrise Bank reinstilled the relationship bank feel that we were looking for in a partner for the future.

This was present in two new relationships developed in 2007. We helped Bill Luther Property Management create efficiencies through the implementation and personal training for our cash management product. We saved the company time, money and energy by helping it convert to an energized, more efficient operation. In switching the company’s prior 25-year banking relationship to Sunrise Bank, owner Bill Luther said, “We have been absolutely amazed at the level and quality of service we have consistently received from the Sunrise team members. They have delivered everything promised and more. The service level has been excellent.”

Richard Simis, owner of Simac Construction was attracted to Sunrise Bank by his direct access to senior management. We earned his trust and confidence by developing a complete relationship to help him attain long-term growth for his company. “The knowledge, experience and attitude they brought forth just felt right,” he said. “Sunrise Bank reinstilled the relationship bank feel that we were looking for in a partner for the future.”

Product diversification was a reoccurring theme throughout the year. The success of our bank is reliant on strengthening our referral pipeline, utilizing all of the loan products available to us and boosting fee income from the use of our wide array of financial products and services. We continued to build on this plan in 2007 as it will be a key to our future success.

Implementing strategies for strengthening our client relationships was successful for us in 2007 and will continue to be the “blocking and tackling” for years to come.

— Randall S. Cundiff, President & CEO

4570 Executive Drive, Suite 110 | San Diego, CA 92121
858.625.9050 | www.sunrisebanksd.com

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BOARD OF DIRECTORS

Scott R. Andrews
President, California Region
Capitol Bancorp Limited

Craig V. Castanos
Owner
Craig V. Castanos, CPA

Randall S. Cundiff
President & CEO
Sunrise Bank of San Diego

Michael R. Labelle
Senior Director
Studley

Jack J. Landers
Commercial Broker
Westland Insurance Brokers

John S. Lewis
President of Bank Performance
Capitol Bancorp Limited

John F. McColl
President
Trinity Capital Group

John M. Rooney
President
Torrey Financial Group

Elizabeth K. Strom
Leasing Director
The Irvine Company Office Properties


OFFICERS

John S. Lewis
Chairman

Randall S. Cundiff
President & CEO

Suzanne K. Gregory
Executive Vice President,
CCO & Secretary

John L. Brackett
Senior Vice President

Gregory S. Fletcher
Vice President

Mary Jane Gertino
Vice President

Robin Hill
Vice President

Miranda E. Klassen
Vice President

Carla M. Kraft
Vice President

Michael H. Markie
Vice President

Bert T. Woods
Vice President