CAPITOL BANCORP LIMITED

LOVELAND BANK OF COMMERCE

John A. Busby, President & CEO

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Loveland Bank of Commerce opened in October 2007, becoming Capitol Bancorp’s third community bank based in northern Colorado. Located just 50 miles north of Denver, our community is strategically positioned at the intersection of Interstate 25 and US 34. Loveland is often called the “Gateway to the Rocky Mountains” with Rocky Mountain National Park located 35 miles west. Loveland is a thriving community with big-city amenities and a small-town atmosphere.

Loveland Bank of Commerce is poised to take advantage of our community’s favorable business climate and vibrant economy.

With more than 125 local shareholders, an active community-based board of directors and a seasoned team of professional bankers, Loveland Bank of Commerce is poised to take advantage of our community’s favorable business climate and vibrant economy. Capitol Bancorp’s community banking model is well suited for Loveland.

Our bank has experienced outstanding growth during the first months of operation and we believe 2008 will be a banner year as we continue to expand our customer base, growing both loans and deposits. Our focus is on relationship banking with products and services directed toward small to medium-sized business owners, real estate professionals, professional practices and local consumers. With attractive product and service offerings, we can address the needs of an individual as well as those of a business.

Loveland Bank of Commerce will remain true to a simple philosophy of “do the right thing” by our clients, employees, shareholders and community. We recognize our continued success is closely tied to relationships built upon this philosophy and Capitol Bancorp’s core values.

We believe it is our responsibility to volunteer and support organizations that improve the overall well-being of our community. For instance, our employees hold leadership roles at the United Way of Larimer County and other organizations that are committed to improving the quality of life for all people in our community.

Our competitive advantage, a dedicated team of bank professionals, an active board of directors and engaged shareholders make for a formidable community bank. We are ready to embrace the challenges, opportunities and excitement associated with operating our new bank in beautiful Loveland, Colorado!

— John A. Busby, President & CEO

102 East 29th Street | Loveland, CO 80538
970.679.7150 | www.lovelandbankofcommerce.com
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BOARD OF DIRECTORS

John A. Busby
President & CEO
Loveland Bank of Commerce

Ryan J. Ferrero
Owner & Manager
Ferrero Chrysler Jeep Dodge

Nanci J. Garnand
Real Estate Agent
RE/MAX Alliance

Eric L. Holsapple, PhD
Partner
Loveland Commercial LLC

Mark A. Kross
President & CEO
Larimer Bank of Commerce

Kenneth G. Larson
President & Treasurer
River Stone Management Co.

Charles L. Lasky
President
Lasky, Fifarek & Hogan, PC

Leon J. McCauley Jr.
President & Founder
McCauley Constructors, Inc.

C. Gerard Nalezny
President & CEO
Fort Collins Commerce Bank

Jon C. Patterson
Partner
Patterson -Talbert Law Offices

Joseph D. Reid
Chairman & CEO
Capitol Bancorp Limited


OFFICERS

Joseph D. Reid
Chairman

Charles L. Lasky
Vice Chairman

John A. Busby
President, CEO & Secretary
Troy A. Meissner
Senior Vice President & CCO

Stephanie L. Rankin
Vice President & Operations Manager