CAPITOL BANCORP LIMITED

ANN ARBOR COMMERCE BANK

Richard G. Dorner, President & CEO

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Ann Arbor Commerce Bank was established 17 years ago as the third bank in the Capitol Bancorp network of community banks. From the outset, we knew the bank would need to be as diverse as the college community we serve, to stand the test of time. As a strong community bank, we reflect the people and businesses we serve, continuing to meet their ever-changing financial needs. As many of our customers have holdings throughout the United States, we have developed community banking on a national landscape.

We knew the bank would need to be as diverse as the college community we serve.

We embrace the ability to talk with and know our customers. Typically, we serve thousands of walk-in or drive-through transactions during any week. However, many times our customers are in another geographic area. We are able to serve their financial needs through our distinctive international ATM and wire transfer services and through Internet banking and telephone banking. Additionally, upon many occasions, our affiliate banks across the country have been able to help us serve our customers’ unique transcontinental needs.

We have grown during our 17 years and so have our customers. For example, one of our property management clients merged with another local management group. We now work with this new company, which manages about 50 percent of the student properties in our area. Another customer took his start-up business to become one of the leading title companies in the area. Many of our original customers are now multi-generational companies serving a broad customer base. A very successful local real estate investor became our customer in 1990. Ann Arbor Commerce Bank continues to serve his personal and business financial needs and we also work with many of his investors and partners. As we travel our “road to the future,” our affiliation with Capitol Bancorp will continue to help us serve our customers’ increasing financial needs.

Community, customers, staff, board of directors, affiliate banks and shareholders — we strive to create a symbiotic relationship that benefits all.

— Richard G. Dorner, President & CEO

2950 State Street South | Ann Arbor, MI 48104
734.887.3100 | www.annarborcommerce.com

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BOARD OF DIRECTORS

Henry E. Alvarez, CPA
President & Managing Principal
Curtis, Bailey, Exelby &
Sposito, PC

Richard G. Dorner
President & CEO
Ann Arbor Commerce Bank

Brian K. English
General Counsel
Capitol Bancorp Limited

James A. Fajen
Attorney at Law
Fajen & Miller, PLLC

James W. Finn
Chairman & CEO
Finn’s – JM&J Insurance
Agency, Inc.

H. Nicholas Genova
Chairman & CEO
Washtenaw News Co., Inc

Richard M. Greene
Consultant
Richard Greene Point Training

Marilyn D. Katz-Pek
Partner Emerita
Biotechnology Business
Consultants LLC

James C. Keen Sr.
CEO
Cliff Keen Athletic

David W. Lutton
President
Charles Reinhart Company Realtors

David M. O’Leary
Co-President
O’Leary Paint Company

Fritz Seyferth
Principal
Fritz Seyferth & Associates

Carl Van Appledorn, MD
President & COO
Urological Surgery
Associates, PC

Warren E. Wright
Chairman & Partner
Renosol Corporation


OFFICERS

James A. Fajen
Chairman

Richard G. Dorner
President & CEO

Henry E. Alvarez
Secretary

Clifford G. Sheldon
Executive Vice President & Cashier

John J. Wilkins
Executive Vice President & CCO

Mary Hays
Senior Vice President

James L. Jeszke
Senior Vice President

Mary D. Gyorke
First Vice President

John Nixon II
I First Vice President

Mark S. Aben
Vice President

Noelle C. Grigg
Vice President

Patrick J. McKeon
Vice President

Bryan T. Singer
Vice President

Kathleen Slocum
Vice President