CAPITOL BANCORP LIMITED

MUSKEGON COMMERCE BANK

Robert J. McCarthy, President & CEO

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Muskegon Commerce Bank’s founding principles are to be competitive, flexible and creative. We have a track record of producing customized banking solutions for consumers, businesses, municipalities and high net-worth individuals. Our founding principles have led to our success.

We celebrated the bank’s 10th anniversary in 2007. The bank’s growth has been rapid yet controlled which, considering the tumultuous economy, is a monumental accomplishment.

Change has been an ingredient for our success.

Amid challenges during 2007 we established a significant relationship with the Muskegon County Treasurers’ Association. After the City of Norton Shores became a customer in 2006, the Muskegon County government and other municipalities have either opened significant accounts with our bank or given us the opportunity to make a proposal for their business. Last June, we made a presentation to 29 local treasurers that led to the opening of several new accounts. We have since followed-up with additional presentations and plan to open several new accounts with the local governments in the coming years.

In addition to meeting the financial needs of the Muskegon community, we take pride in our pledge of service to the special needs of this community. We are proud supporters of the Chamber of Commerce, United Way, American Red Cross and Animal Control. Our employees are active with the Rotary Club and various civic, religious and service-based groups. We’ve been a major sponsor of the Parade of Homes, Michigan Irish Music Festival, Muskegon Summer Celebration, Muskegon Air Fair and the Miss Michigan Scholarship Pageant.

As we reflect on our bank’s first 10 years in business, we recall our humble beginnings. We began operations in a 1,500-square-foot office, moved to a 5,500-square-foot former restaurant, and built our new 12,000-square-foot building last year. Meanwhile, we grew our staff from six to 25 employees.

Muskegon Commerce Bank has always adapted well to change because we know that with change come new opportunities. Change has been an ingredient for our success. It will be a part of our destiny as well.

— Robert J. McCarthy, President & CEO

281 Seminole Road | Muskegon, MI 49444
231.737.4431 | www.muskegoncommerce.com

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BOARD OF DIRECTORS

Philip J. Andrie
President
Andrie, Inc.

William C. Cooper
President & Owner
AMG Business Center

Mark Hoofman
President
ProFab – Production Fabricators

Edgar W. Hunt
Retired Bank President
First of America Bank

Christopher L. Kelly
Attorney at Law
Parmenter O’Toole

Donald Martines
President
Ace Acquisition Company

Robert J. McCarthy
President & CEO
Muskegon Commerce Bank

Kelly D. Miller
Director of Specialty Finance
Capitol Bancorp Limited

James Stanford Tyler
President
Tyler Sales Company, Inc.

William Vanderweele Jr.
President
Weber Lumber


OFFICERS

Christopher L. Kelly
Chairman

Robert J. McCarthy
President, CEO & Secretary

Jerry L. Bayak
Chief Credit Officer

Terri K. Swarts
Chief Operating Officer

David C. Christopher
Vice President

James A. Mikesell
Vice President